Terms and Conditions

1) Acceptance of Terms

These Terms govern your access to and use of Debts Calculator (the “Service”). By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2) Eligibility

You must be at least 13 years old to use the Service. If you are under the age of majority in your jurisdiction, you may use the Service only with the consent of a parent or legal guardian.

3) Educational Use Only; No Financial, Legal, or Tax Advice

The calculators and content on this site are provided for general informational and educational purposes only. We are not a financial institution, credit counseling agency, law firm, or tax advisor. The outputs from our tools are estimates based on information you provide and may not reflect your actual results. You are solely responsible for your financial decisions. Before making decisions, consult a qualified professional (e.g., certified financial advisor, CPA, or attorney) for advice tailored to your situation.

4) No Warranties

The Service is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of accuracy, reliability, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components.

5) Limitation of Liability

To the fullest extent permitted by law, Debts Calculator and its owners, affiliates, and contributors shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or relating to your use of or inability to use the Service even if we have been advised of the possibility of such damages. Our total aggregate liability for any claim arising out of or relating to the Service shall not exceed one hundred U.S. dollars (US $100).

6) User Responsibilities

• You agree that any data you enter is accurate and complete to the best of your knowledge.
• You understand that calculator outputs are estimates and not guarantees.
• You are responsible for complying with applicable laws and regulations.

7) Acceptable Use

You agree not to misuse the Service. Prohibited conduct includes (without limitation):

• Reverse engineering, scraping, or attempting to access the Service by automated means not explicitly permitted.
• Uploading or transmitting malware or other harmful code.
• Using the Service to violate third-party rights or any applicable law.
• Interfering with or disrupting the integrity or performance of the Service.

8) Intellectual Property

The Service, including text, graphics, logos, icons, and software, is owned by or licensed to Debts Calculator and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes. You may not reproduce, modify, distribute, or create derivative works without our prior written consent.

9) Third Party Links & Advertising (including Google AdSense)

The Service may display third-party content, links, and advertisements (including Google AdSense). We do not control or endorse third-party sites, products, or services and are not responsible for their content, privacy practices, or terms. Your interactions with third parties are solely between you and those parties.

Advertising partners may use cookies or similar technologies to deliver and measure ads. See our Privacy Policy for details and your choices. By using the Service, you consent to such practices in accordance with applicable laws.

10) Privacy

Your use of the Service is subject to our Privacy Policy, which explains what information we collect and how we use it. We do not request sensitive personal financial information to use our calculators, and we do not store calculator inputs beyond what is necessary to provide the Service (if at all). Review the Privacy Policy for full details.

11) Changes to the Service and to These Terms

We may modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms from time to time. The “Last updated” date will reflect the latest changes. Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

12) Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, if we believe you have violated these Terms or for any other reason, to the extent permitted by law.

13) Governing Law

These Terms shall be governed by and construed in accordance with the laws of United States, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14) Dispute Resolution

Before filing a claim, you agree to first contact us to attempt to resolve the dispute informally. If we cannot resolve a dispute informally, you agree that disputes will be resolved exclusively in the state or federal courts located in your area, and you consent to the personal jurisdiction of such courts. You waive any right to a trial by jury to the extent permitted by law.

15) Contact Us

If you have questions about these Terms, please contact us.