Terms of Service

1. Acceptance of Terms

By accessing or using Debt Payoff Calculator ("the Service", "our website", "the calculator"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our Service.

We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the modified terms.

2. Description of Service

Debt Payoff Calculator is a free, web-based financial tool that helps users compare debt repayment strategies (Debt Avalanche vs. Debt Snowball). The Service provides:

• Interactive debt payoff calculator
• Visual timeline charts of projected debt repayment
• Educational blog content about debt management strategies
• Comparison of different debt repayment methods

The Service is provided free of charge with no signup or account creation required.

⚠️ 3. NOT FINANCIAL ADVICE DISCLAIMER

4. Accuracy Disclaimer

While we strive for accuracy in our calculations and content, we make no warranties or guarantees regarding:

• The accuracy, completeness, or reliability of calculator results
• The suitability of any debt repayment strategy for your situation
• The current accuracy of blog content or third-party information
• The availability or uninterrupted operation of the Service

Calculator results are estimates only and may not match your actual debt payoff timeline. Always verify calculations with your creditors and review your credit card or loan agreements for exact terms.

5. User Responsibilities

By using this Service, you agree to:

• Provide accurate information when using the calculator
• Use the Service only for lawful purposes
• Not attempt to reverse-engineer, hack, or compromise the website
• Not scrape, copy, or redistribute our content without permission
• Not submit false, misleading, or malicious information through contact forms
• Understand that calculator data is stored locally in your browser only

You are responsible for maintaining the security of your device and browser where calculator data is stored locally.

6. Intellectual Property

All content on this website, including text, graphics, logos, code, and calculator logic, is the property of Debt Payoff Calculator and is protected by copyright laws.

You may:

• Use the calculator for personal, non-commercial purposes
• Share links to our website and blog posts
• Quote brief excerpts from our blog with proper attribution

You may NOT:

• Copy, reproduce, or redistribute substantial portions of our content
• Embed our calculator on other websites without permission
• Create derivative works based on our calculator or content
• Remove copyright notices or attribution

7. Affiliate Links Disclosure

This website contains affiliate links to third-party products and services. When you click these links and make a purchase, we may earn a commission at no additional cost to you.

Affiliate links are clearly labeled as "Partner Link" or "Sponsored." Our affiliate relationships do not influence our editorial content or calculator functionality. We only recommend products and services we believe may be helpful, but you should conduct your own research before making any financial decisions.

This disclosure complies with the FTC's guidelines on affiliate marketing.

8. Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of these external sites. Use third-party websites at your own risk.

9. Limitation of Liability

10. Indemnification

You agree to indemnify and hold harmless Debt Payoff Calculator, its operators, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, violation of these Terms, or violation of any rights of a third party.

11. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice. We are not liable for any modification, suspension, or discontinuation of the Service.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or use of the Service shall be resolved in the appropriate courts.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact Information

If you have questions about these Terms of Service, please contact us: