Terms of Use
Last updated: August 17, 2026
Please read these Terms of Use ("Terms") carefully before using debtpayoff.io (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Educational purpose only
DebtPayoff.io provides free calculators and articles for general educational and informational purposes only. Nothing on this Site constitutes financial, legal, tax, or investment advice, and no content should be relied upon as a substitute for advice from a qualified professional such as a licensed financial advisor, accredited credit counselor, or attorney.
2. No lending or financial services
We are not a lender, broker, bank, credit union, or credit counseling agency. We do not originate loans, extend credit, or provide financial products of any kind. Any results produced by our calculators are estimates for planning purposes and are not an offer of credit or a guarantee of any lender's actual terms.
3. Accuracy of calculations
Our calculators use standard financial formulas (such as monthly-compounding amortization) to estimate outcomes based on the figures you enter. While we strive for accuracy, results may differ from your actual lender's figures due to factors such as daily interest accrual, fees, rounding, payment timing, promotional terms, or changes in your rate. You are solely responsible for verifying any figures with your lender or financial institution before making financial decisions.
4. No warranty
The Site and all calculators, content, and tools are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
5. Limitation of liability
To the fullest extent permitted by law, DebtPayoff.io and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or reliance on any information or calculation results provided.
6. Third-party links and advertising
The Site may display third-party advertisements (including through Google AdSense) and links to third-party websites. We do not endorse and are not responsible for the content, products, services, or privacy practices of any third party. Interactions with advertisers or linked sites are solely between you and that third party.
7. Intellectual property
All content on this Site, including text, calculators, graphics, logos, and code, is the property of DebtPayoff.io or its licensors and is protected by copyright and other intellectual property laws. You may use the calculators for personal, non-commercial purposes. You may not reproduce, redistribute, or republish substantial portions of the Site's content without prior written permission.
8. Acceptable use
You agree not to misuse the Site, including by attempting to disrupt its operation, scraping content at scale without permission, or using it for any unlawful purpose.
9. Changes to the Site and these Terms
We may modify, suspend, or discontinue any part of the Site at any time. We may also update these Terms periodically; continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
10. Governing law
These Terms are governed by applicable laws without regard to conflict-of-law principles, and any disputes shall be resolved in a manner consistent with those laws.
11. Contact us
Questions about these Terms? Email contact@debtpayoff.io or visit our Contact page.