By using PayoffDebt (this website), you agree to these terms. If you don't agree with them, please don't use the site. We may update these terms from time to time; the version published on this page is the one that applies.
An educational tool, not financial advice
This site provides calculators and explanatory articles about debt repayment for general educational and informational purposes only. It is not financial, legal, tax, or investment advice, and using it does not create any advisor–client relationship. It can't see your full financial picture — your income, expenses, emergency fund, credit history, or goals — so its results are illustrations of arithmetic, not recommendations for your situation. Before making a financial decision, speak with a qualified, ideally fee-only, professional.
No warranty — provided "as is"
We work hard to keep the calculations correct and the articles accurate, and the exact math is documented in the methodology. Even so, the site is provided "as is" and "as available," without warranties of any kind, express or implied. We don't guarantee that results are error-free, that the site is always available, or that its estimates will match your lender's statements — real issuers compound interest differently. Always verify important numbers against your actual account terms.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site or its results — including financial decisions you make based on them. You use the tool at your own discretion and risk.
Advertising and third-party links
This site is supported by ads served through Google AdSense, and some articles link to third-party websites. We don't control, endorse, or take responsibility for the content, products, or privacy practices of advertisers or linked sites. How those ads use cookies, and how to opt out, is covered on the Privacy page.
Your data
The figures you enter into the calculator stay in your browser and are never sent to us. The Privacy page is the full account of what is and isn't collected.
Contact
Questions about these terms? Email contact@payoffdebt.app, or use the contact page.