Terms of Service

Welcome to Debt Calculator Suite. These Terms of Service ("Terms") govern your access to and use of our website located at https://debtcalculatorsuite.com (the "Site") and our debt calculation tools and services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS.

1. Acceptance of Terms

By accessing or using the Services, you affirm that you are at least 18 years of age (or the age of majority in your jurisdiction) and are fully able and competent to enter into these Terms.

If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Services

Debt Calculator Suite provides free online debt calculators and educational content related to debt management, including but not limited to:

• Debt Payoff Calculator
• Debt Snowball Calculator
• Debt Avalanche Calculator
• Interest Calculator
• Minimum Payment Trap Calculator
• Refinance Savings Calculator
• Debt vs. Investing Calculator
• Educational articles and guides

Our calculators process your financial data entirely in your browser. We do not store, transmit, or have access to the financial information you enter into our calculators.

3. Not Financial Advice

We are not financial advisors, certified financial planners, accountants, or attorneys. The calculations and results provided by our tools are estimates based on the information you provide and general assumptions. They do not constitute:

• Professional financial advice
• Recommendations to pursue any particular financial strategy
• Guarantees of future financial results
• Legal or tax advice

You should always consult with a qualified financial advisor, accountant, or attorney before making any financial decisions. Your individual financial situation is unique, and professional advice tailored to your circumstances is essential.

By using our Services, you acknowledge that any financial decisions you make are your sole responsibility and that we are not liable for any outcomes resulting from your use of our calculators or information.

4. Accuracy of Calculations

While we strive to ensure the accuracy of our calculators and information, we make no guarantees, representations, or warranties regarding:

• The accuracy, completeness, or reliability of calculations
• The suitability of results for your specific situation
• The timeliness or currency of information provided

Calculation results depend on the accuracy of the information you input. Garbage in, garbage out. We are not responsible for errors in calculations resulting from incorrect, incomplete, or outdated input data.

You should independently verify all calculation results and consult with appropriate professionals before relying on them for financial decisions.

5. User Responsibilities

When using our Services, you agree to:

• Provide accurate and complete information
• Use the Services only for lawful purposes
• Not attempt to interfere with or disrupt the Services
• Not attempt to gain unauthorized access to any part of the Site
• Not use automated systems (bots, scrapers) without permission
• Not misrepresent your identity or affiliation
• Not violate any applicable laws or regulations
• Not upload viruses, malware, or other harmful code

6. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, icons, images, calculator tools, software code, and documentation, is the property of Debt Calculator Suite or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may use our calculators and view content for personal, non-commercial purposes only. You may not:

• Copy, modify, or distribute our content without permission
• Use our calculators or content for commercial purposes
• Remove any copyright or proprietary notices
• Reverse engineer, decompile, or disassemble any software
• Create derivative works based on our Services

If you wish to use our content or calculators for purposes beyond personal use, please contact us at support@debtcalculatorsuite.com.

7. Third-Party Links and Content

Our Site may contain links to third-party websites, services, or content that are not owned or controlled by Debt Calculator Suite. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we are not responsible or liable for any damage or loss caused by your use of any third-party websites, services, or content.

8. Limitation of Liability

• Your use or inability to use the Services
• Any errors, mistakes, or inaccuracies in calculations or content
• Financial losses resulting from reliance on our calculators or content
• Any unauthorized access to or use of our servers
• Any interruption or cessation of the Services
• Any bugs, viruses, or other harmful code transmitted through the Services
• Any third-party conduct or content on the Services

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID TO US IN THE LAST SIX MONTHS (IF ANY), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Services will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that defects will be corrected

We do not warrant that the Services will meet your requirements or that the results obtained from using the Services will be accurate or reliable.

10. Indemnification

You agree to defend, indemnify, and hold harmless Debt Calculator Suite, its affiliates, and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions or actions you take based on our Services

11. Modifications to Services and Terms

We reserve the right to modify, suspend, or discontinue the Services (or any part thereof) at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.

We may revise these Terms at any time by updating this page. Your continued use of the Services after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Termination

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in court.

You and Debt Calculator Suite agree to waive any right to a jury trial for any disputes arising under these Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Debt Calculator Suite regarding the Services and supersede all prior agreements and understandings.

16. Contact Information

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