Terms of Use

Last updated: April 24, 2025

1. Acceptance of Terms

By accessing and using the Debt Free Calculators website and any of its tools (the "Service"), you accept and agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Service Disclaimer

The calculators and information provided by the Service are for informational and educational purposes only. The results generated are estimates based on the information you provide and publicly available data models (like standard amortization formulas or example tariff rates). We make no guarantees regarding the accuracy, completeness, or applicability of the results to your specific financial situation.

3. No Financial Advice

The Service is not intended to provide financial, investment, legal, or tax advice. The information provided should not be considered a substitute for consultation with qualified professionals. You should seek advice from a licensed financial advisor or other qualified professional regarding your specific financial situation.

4. User Responsibilities

You are solely responsible for the accuracy and completeness of the information you enter into the calculators. You agree to use the Service responsibly and for its intended informational purposes. We are not liable for any actions taken or decisions made based on the information or results provided by the Service.

5. Advertising

This website displays advertisements, primarily through Google AdSense. These advertisements are provided and controlled by third parties. We are not responsible for the content, accuracy, or legality of these advertisements, nor for any interactions or transactions you may have with advertisers.

6. Intellectual Property

All content, design, functionality, and code related to the Service are the property of Debt Free Calculators or its licensors and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Service without our express written permission.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Debt Free Calculators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the Service; (b) any conduct or content of any third party on the Service, including without limitation, any defamatory, offensive, or illegal conduct of other users or third parties; (c) any content obtained from the Service; or (d) unauthorized access, use, or alteration of your transmissions or content.

8. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last updated" date at the top of these Terms. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.