Terms of Service

Welcome to CalculateCredit.com (the "Site"). By accessing or using the Site and its calculators, you agree to these Terms of Service (the "Terms"). If you do not agree, please do not use the Site.

1. What the Site provides

The Site offers free, interactive financial calculators - including credit card payoff, debt strategy comparison, credit utilization, and loan comparison tools - together with related educational content. All calculations run locally in your browser using the numbers you enter.

2. Educational use only - not financial advice

Nothing on the Site is financial, legal, tax, or investment advice, and the Site is not a substitute for a qualified professional. The calculators produce mathematical estimates based on standard monthly compounding and the inputs you provide. Real-world lender terms differ: daily interest accrual, fees, penalty rates, promotional rates, rounding, and payment timing can all change actual outcomes. Results are illustrations, not quotes, offers, or guarantees. Always verify numbers with your lender and consult a licensed advisor before making financial decisions.

3. No lender relationship

We are not a bank, lender, broker, credit repair organization, or financial institution. We do not offer credit products, take applications, check credit, or receive compensation from lenders for directing you to any product.

4. Acceptable use

You agree not to:

• use the Site in any way that violates applicable law or regulation;
• attempt to interfere with the Site's operation, including by probing, scraping at abusive volume, injecting code, or attempting to gain unauthorized access to any systems;
• reproduce, sell, or commercially exploit the Site's content or design without written permission;
• misrepresent calculator outputs as advice, quotes, or offers from us or any financial institution.

5. Intellectual property

The Site's design, text, graphics, calculators, and underlying code are the property of CalculateCredit.com and are protected by copyright and other intellectual property laws. You may use the Site for personal, non-commercial purposes and may download the plans the tools generate for your own use.

6. Advertising

The Site is supported by third-party advertising, including Google AdSense. Advertisements are the responsibility of the advertiser; their appearance on the Site is not an endorsement by us. Your interactions with any advertiser are solely between you and that advertiser.

7. Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or that calculations will match any lender's actual figures.

8. Limitation of liability

To the maximum extent permitted by law, CalculateCredit.com and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages - including financial loss, lost savings, or decisions made in reliance on calculator results - arising out of or in connection with your use of the Site. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using it.

9. Indemnification

You agree to indemnify and hold harmless CalculateCredit.com and its operators from any claims, damages, or expenses (including reasonable legal fees) arising from your violation of these Terms or misuse of the Site.

10. Changes to the Site and these Terms

We may modify, suspend, or discontinue any part of the Site at any time without notice. We may also revise these Terms; the current version will always be posted on this page with its "Last updated" date. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

11. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

12. Contact

Questions about these Terms can be sent to hello@calculatecredit.com.