Terms of Service - Simple, Fair Rules

The Service and its original content, features, and functionality are owned by QuickDebtPayoff and protected by applicable intellectual property laws. You're welcome to use our debt calculator tools for personal planning, but you may not copy, distribute, or use our trademarks, branding, or proprietary content without written permission (except as allowed by fair use laws).

Our Service may contain links to third-party websites or financial services that we think might be helpful. However, we're not responsible for their content, policies, or practices. These external sites have their own terms and privacy policies, so please review them before using those services. We include links for your convenience, not as an endorsement.

We provide our Service "as is" and "as available," without warranties of any kind, whether express or implied. This includes (but isn't limited to) warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We work hard to ensure our debt calculators are accurate, but we can't guarantee specific financial outcomes or results from using our tools. Your actual debt payoff timeline may vary based on your unique circumstances.

To the maximum extent permitted by law, QuickDebtPayoff and its affiliates won't be liable for any indirect, incidental, special, consequential, or punitive damages—including lost profits, lost data, or business interruption—arising from your use of our Service. Our total liability for any claim related to the Service won't exceed the amount you paid us (which is currently $0, since our tools are free!) in the 12 months before the claim arose.

We're constantly working to improve our debt payoff calculators and add new features. We may modify, update, suspend, or discontinue any part of the Service at any time. While we'll try to give notice when possible and minimize disruption, we can't guarantee uninterrupted availability. Your financial planning shouldn't depend solely on our tools being available 24/7.

We may update these Terms periodically to reflect new features, legal requirements, or improvements to our service. When we make changes, we'll update the "Last updated" date at the top of this page. For material changes, we'll highlight them prominently when reasonable. Your continued use of our debt calculator tools after changes are posted means you accept the updated Terms.

These Terms are governed by the laws of the United States and, where applicable, the laws of the state where you reside, without regard to conflict-of-law principles. If any legal disputes arise, they'll be handled in the appropriate courts, unless otherwise required by law. We hope it never comes to that—we'd much rather help you achieve your debt-free goals!

If you believe we've made an error or if you're unhappy with our service, please contact us first. We're committed to resolving issues fairly and quickly. Most problems can be solved through friendly communication rather than formal legal processes. We genuinely want every user to have a positive experience with our debt elimination tools.