Disclaimer

Educational Purpose Only

The calculators, tools, information, and content provided on MyCreditCalculator.com (the "Site") are for educational and informational purposes only.

The Site is intended to help users understand concepts such as credit card interest, debt payoff strategies, and loan calculations.

Nothing on this Site constitutes or should be interpreted as:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Credit counseling
• Professional financial planning
• Personalized recommendations

The Site does not take into account your individual financial circumstances.

Estimates and Accuracy

All calculator results are estimates only and are based solely on the information provided by the user.

Actual results may differ due to many factors, including but not limited to:

• Calculation methods used by financial institutions
• Rounding conventions
• Changes in interest rates
• Fees or charges not included in the calculations
• Payment timing and posting differences
• Statement cycle variations
• Differences in compounding methods
• Errors or omissions in user input

While we strive to provide accurate calculations, MyCreditCalculator makes no guarantees regarding the accuracy, completeness, or reliability of any results or information provided on the Site.

Not a Financial Institution

MyCreditCalculator is not a bank, lender, broker, financial advisor, or credit counseling service.

The Site does not:

• Provide credit counseling services
• Offer debt consolidation programs
• Negotiate with creditors on your behalf
• Provide individualized financial advice
• Act as a fiduciary or financial professional

Consult Qualified Professionals

Before making any financial or credit-related decisions, you should consider consulting qualified professionals such as:

• A licensed financial advisor
• A certified credit counselor
• A tax professional
• A legal professional

You should also review your actual loan or credit card agreements and verify calculations directly with your financial institution.

No Liability

To the fullest extent permitted by law, MyCreditCalculator and its operators shall not be liable for any losses or damages arising from the use of this Site, including but not limited to:

• Financial losses
• Errors or inaccuracies in calculations
• Decisions made based on calculator results
• Website interruptions or technical errors
• Indirect, incidental, or consequential damages

Your use of this Site is entirely at your own risk.

Third-Party Links

The Site may contain links to third-party websites for informational purposes.

MyCreditCalculator does not control and is not responsible for:

• The content of external websites
• The accuracy of third-party information
• The privacy practices or policies of external services

Accessing third-party websites is done at your own discretion.

Calculation Methodology

Our calculators use widely accepted financial formulas and conventions, including:

• Daily interest accrual (APR ÷ 365)
• Actual days per month (28-31 days)
• Standard amortization formulas

However, individual lenders may use different calculation methods, compounding schedules, rounding conventions, or posting rules.

For detailed explanations of how calculations are performed on this Site, please refer to the Calculation Methodology page.

User Responsibility

You are solely responsible for:

• Verifying the accuracy of the data you enter
• Understanding the limitations of financial estimates
• Reviewing your actual financial agreements
• Making informed financial decisions
• Consulting appropriate professionals when needed

Governing Law Clause

This Disclaimer and your use of the Site shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction in which the Site operator resides, without regard to conflict-of-law principles.

No Guarantee of Financial Outcomes

The Site does not guarantee financial outcomes or debt repayment results.

Changes to This Disclaimer

We may update this Disclaimer at any time. Any changes become effective immediately upon posting on this page.

Your continued use of the Site after updates constitutes acceptance of the revised Disclaimer.

Contact

If you have questions regarding this Disclaimer, please contact us through the contact information provided on the Site.