Terms of Service

Last updated: January 2025

Agreement to Terms

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

Description of Service

DebtMath provides free online financial calculators and educational content related to debt management. Our tools are designed to help users understand their financial situations and explore different scenarios.

Not Financial Advice

The information and calculators on this site are for educational and informational purposes only. They do not constitute financial, legal, or tax advice. Always consult with qualified professionals before making important financial decisions.

We are not financial advisors, accountants, or attorneys. The results provided by our calculators are estimates based on the information you provide and standard financial formulas. Actual results may vary based on factors not accounted for in our calculations.

Accuracy of Information

While we strive to provide accurate and up-to-date calculators, we make no warranties or guarantees about:

  • The accuracy, completeness, or reliability of any calculations
  • The suitability of our tools for your specific financial situation
  • The availability or uninterrupted operation of our site

You are responsible for verifying any calculations and should not rely solely on our tools when making financial decisions.

Use of the Site

You agree to use the site only for lawful purposes and in accordance with these terms. You agree not to:

  • Use the site in any way that violates applicable laws or regulations
  • Attempt to interfere with or disrupt the site or servers
  • Use automated systems to access the site without permission
  • Impersonate any person or entity
  • Collect user information without consent

Intellectual Property

All content on this site, including text, graphics, logos, and calculator designs, is the property of DebtMath or its content creators. You may not reproduce, distribute, or create derivative works without our express permission.

You may share links to our calculators and reference our content with proper attribution.

Third-Party Links

Our site may contain links to third-party websites. These links are provided for convenience only. We do not control, endorse, or assume responsibility for any third-party sites or their content.

Limitation of Liability

To the fullest extent permitted by law, DebtMath shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from:

  • Your use or inability to use the site
  • Any errors or omissions in our calculations or content
  • Any unauthorized access to your data
  • Any financial decisions made based on our tools

Indemnification

You agree to indemnify and hold harmless DebtMath and its affiliates from any claims, damages, or expenses arising from your use of the site or violation of these terms.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes by updating the "Last updated" date. Your continued use of the site after changes constitutes acceptance of the new terms.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact

If you have questions about these terms, please contact us at reach@debtmath.fyi.