Terms of Service

Terms and conditions for using SmartDebtPayoffCalculator.com and our debt payoff tools

Last updated: October 26, 2025

Acceptance of Terms

By accessing and using SmartDebtPayoffCalculator.com ("the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

SmartDebtPayoffCalculator.com provides educational content and tools related to debt management and financial planning. Our services include:

  • Debt payoff calculator tools
  • Educational articles and blog posts
  • Financial planning resources
  • Affiliate product recommendations

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on SmartDebtPayoffCalculator.com for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to reverse engineer any software contained on the Website
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or "mirror" the materials on any other server

Financial Disclaimer

IMPORTANT: The information provided on this website is for educational and informational purposes only. It is not intended to be financial advice, and should not be relied upon as such.

No Financial Advice

  • We are not financial advisors, accountants, or legal professionals
  • Our calculators and tools provide estimates based on the information you provide
  • Results may vary and are not guaranteed
  • Always consult with qualified professionals before making financial decisions

Accuracy of Information

  • While we strive to provide accurate information, we make no warranties about the completeness, reliability, or accuracy of any information
  • Financial situations are complex and individual circumstances vary
  • Market conditions and interest rates change frequently
  • Our tools are educational tools, not financial planning software

Affiliate Disclosure

This website may contain affiliate links. We may earn a commission when you click on or make purchases through these links. This comes at no additional cost to you and helps support the maintenance of this website.

  • We only recommend products and services we believe provide value
  • Affiliate relationships do not influence our content or recommendations
  • We disclose affiliate relationships when applicable
  • You are under no obligation to use our affiliate links

By using our services, you agree to:

  • Provide accurate and truthful information when using our calculators
  • Use our services for lawful purposes only
  • Not attempt to gain unauthorized access to our systems
  • Not interfere with the proper functioning of our website
  • Respect the intellectual property rights of others

Limitation of Liability

In no event shall SmartDebtPayoffCalculator.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website, even if SmartDebtPayoffCalculator.com or a SmartDebtPayoffCalculator.com authorized representative has been notified orally or in writing of the possibility of such damage.

Disclaimer

The materials on SmartDebtPayoffCalculator.com are provided on an 'as is' basis. SmartDebtPayoffCalculator.com makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Website, to understand our practices.

Modifications

SmartDebtPayoffCalculator.com may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

Contact Information

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

Email: hello@smartdebtpayoffcalculator.com