Terms of Service

Acceptance of Terms

By accessing or using PayoffCalcs ("the site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

Informational Purpose Only

All calculators, tools, and content on PayoffCalcs are provided for educational and informational purposes only. They are not intended to be, nor should they be construed as, financial advice, investment advice, tax advice, or legal advice.

You should consult a qualified professional (financial advisor, accountant, or attorney) before making any financial decisions based on information obtained from this site.

No Guarantee of Accuracy

While we strive to ensure the calculators produce accurate results, we make no guarantees — express or implied — regarding the accuracy, completeness, or reliability of the calculations, data, or content on this site.

Results are estimates and may differ from actual outcomes due to rounding, timing differences, or factors not accounted for by the calculators.

Use of Calculators

Our calculators run entirely in your browser. No financial data is transmitted to our servers. You are responsible for ensuring the accuracy of the inputs you provide.

Intellectual Property

All content, code, design, and tools on PayoffCalcs are the property of PayoffCalcs unless otherwise noted. You may not reproduce, distribute, or create derivative works without prior written permission.

Third-Party Links & Ads

The site may contain links to third-party websites or display advertisements from third-party networks (such as Google AdSense). We are not responsible for the content, privacy practices, or accuracy of any third-party sites.

Limitation of Liability

PayoffCalcs, its owners, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the site or its tools.

Changes to Terms

We reserve the right to update these terms at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the site after changes constitutes acceptance of the new terms.

Contact

If you have questions about these terms, please contact us at payoffcalcs@gmail.com.