Important Financial Disclaimer

Past performance, calculator projections, or any examples shown do not guarantee future results. Debt payoff timelines, interest savings amounts, and financial outcomes are estimates based solely on the information you provide and mathematical assumptions built into our calculators. Actual results may vary significantly based on changes in interest rates, payment consistency, additional fees, and life circumstances. We make no representations or warranties about achieving specific financial goals through use of our tools.

While we strive to keep our information current and accurate, financial markets, interest rates, regulations, and industry practices change frequently. The information on our website may not reflect the most recent developments in financial services, debt management strategies, or regulatory changes. Always verify current interest rates, terms, and conditions directly with your lenders, and consult current financial regulations that may affect your situation. We are not responsible for any outdated information that may impact your financial decisions.

QuickDebtPayoff, its creators, affiliates, and any associated parties are not liable for any financial decisions, losses, damages, or consequences arising from use of our website, calculators, or information. This includes but is not limited to: direct or indirect financial losses, missed payment opportunities, incorrect financial strategies, reliance on outdated information, or any other damages. Use our tools as part of your research process, not as your sole decision-making resource. By using our service, you acknowledge that all financial decisions remain entirely your responsibility.

Our website may contain links to third-party financial institutions, services, calculators, or educational resources. These links are provided for convenience and informational purposes only and do not constitute an endorsement, recommendation, or approval of any third-party service, product, or company. We are not responsible for the content, accuracy, privacy policies, terms of service, or practices of external websites. Before engaging with any third-party service, carefully review their terms, conditions, and credentials. Any interactions with third parties are entirely at your own risk.

Some links on our site may be affiliate links, meaning we may earn a commission if you click through and make a purchase or sign up for a service. Additionally, we may display advertisements or sponsored content. These financial relationships do not influence our educational content or calculator functionality, but they do help us maintain our free services. All affiliate relationships and sponsored content are clearly disclosed. We recommend evaluating all financial products and services based on your own research and professional consultation, regardless of any affiliate relationships or advertising.

We make no representations or warranties about the accuracy, completeness, or reliability of our calculators, information, or website functionality. Our tools are provided 'as is' and 'as available' without any express or implied warranties of any kind. While we strive for accuracy, our calculators may contain errors, and our website may experience downtime or technical issues. We do not warrant that our service will be uninterrupted, secure, or error-free. Technical limitations, user input errors, or system malfunctions may affect calculator results.

You are solely responsible for all financial decisions made regarding your debt, investments, and financial planning. Before implementing any debt payoff strategy or making financial decisions based on our tools, you should: verify all information with your lenders, consider your complete financial picture including emergency funds and retirement savings, understand the terms and conditions of all your debts, consider tax implications of your strategies, and consult qualified professionals when appropriate. Our tools should supplement, not replace, careful personal financial analysis and professional guidance.

While our debt calculators process your financial information locally in your browser for privacy, we may collect anonymous usage statistics to improve our tools. We do not store your personal financial information, but standard web analytics may track general usage patterns. For complete information about data collection and privacy practices, please review our Privacy Policy. Your use of our calculators and tools constitutes acceptance of both this disclaimer and our privacy practices. We recommend reviewing your browser's privacy settings and clearing sensitive data after using financial calculators on any website.