Last updated: July 2026
1. Acceptance of Terms
By accessing or using Calculate My Debt (the “Site”), you agree to these Terms and Conditions. If you don’t agree, please don’t use the Site.
2. Description of Service
Calculate My Debt provides free, general educational content and calculator tools related to debt payoff strategies. The Site is informational in nature and does not provide individualized financial, legal, or credit counseling advice.
3. Not Financial or Legal Advice
Nothing on this Site constitutes financial, legal, tax, or credit counseling advice. We are not a law firm, licensed financial advisory practice, or credit counseling agency. Content and calculator results are general in nature and don’t account for your individual circumstances. Before making financial decisions, consider speaking with a qualified professional, such as a certified credit counselor through the National Foundation for Credit Counseling. See our Disclaimer page for more detail.
4. Accuracy of Information
We make a genuine effort to verify statistics and keep content accurate and current, but we don’t guarantee that all information on the Site is complete, accurate, or up to date at all times. Financial regulations, interest rates, and program details referenced in our content can change after publication.
5. Calculator Results Disclaimer
Our calculators perform standard amortization calculations based entirely on the numbers you enter. Results are estimates for planning purposes only, not a guarantee of any particular outcome. Actual results can differ due to changes in interest rates, fees, missed or late payments, or changes in your own financial situation.
6. Intellectual Property
All content on this Site, including text, calculator design, graphics, and logos, is owned by [business name placeholder] or its licensors, unless otherwise noted. You may not reproduce, distribute, or create derivative works from this content without our prior written permission, except for normal personal use such as printing your own calculator results.
7. Third-Party Links and Affiliate Disclosure
This Site may contain links to third-party websites or services, including, in some cases, financial products for which we may earn a commission if you use them. We disclose affiliate relationships on the specific pages where they appear. We don’t control third-party websites and aren’t responsible for their content, accuracy, or practices.
8. Prohibited Uses
You agree not to use the Site to:
- Violate any applicable law or regulation
- Attempt to gain unauthorized access to the Site’s systems or data
- Interfere with the Site’s normal operation, including through automated scraping that degrades performance
- Misrepresent calculator results as official advice from a licensed professional
9. Limitation of Liability
To the fullest extent permitted by law, [business name placeholder] is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content, including financial decisions made based on calculator results or published content.
10. Indemnification
You agree to indemnify and hold [business name placeholder] harmless from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
11. Governing Law
These Terms are governed by the laws of India, and the courts of Chennai, Tamil Nadu shall have exclusive jurisdiction over any disputes arising from these Terms.
12. Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Site after changes means you accept the updated Terms.
13. Contact Us
Questions about these Terms can be sent here.