Terms of Use

Last Updated: March 15, 2026

Agreement to Terms

By accessing and using MyCreditCalculator.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

Use of Calculators

Permitted Use

You may use our calculators for:

  • Personal financial planning
  • Educational purposes
  • Understanding debt and credit concepts
  • Comparing debt payoff strategies

Prohibited Use

You may NOT:

  • Use the Site for illegal purposes
  • Provide false or misleading information
  • Attempt to hack, disrupt, or damage the Site
  • Use automated tools to scrape or copy content
  • Resell or redistribute our calculators
  • Remove copyright notices or attributions
  • Frame or embed our calculators without permission

Intellectual Property

All content on this Site, including but not limited to:

  • Calculator code and functionality
  • Text, graphics, logos
  • Design and layout
  • Calculation methodologies

is owned by or licensed to MyCreditCalculator and is protected by copyright, trademark, and other intellectual property laws.

You may NOT: Copy, modify, distribute, sell, or create derivative works without written permission.

Disclaimer of Warranties

THE SITE AND CALCULATORS ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or reliability
  • Uninterrupted or error-free operation

WE DO NOT WARRANT THAT:

  • The Site will be available at all times
  • Calculators will produce accurate results
  • Errors will be corrected
  • The Site is free from viruses or harmful components

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MYCREDITCALCULATOR SHALL NOT BE LIABLE FOR ANY:

  • Direct, indirect, incidental, special, or consequential damages
  • Loss of profits, revenue, or data
  • Financial losses resulting from calculator use
  • Decisions made based on calculator results
  • Errors or inaccuracies in calculations
  • Interruption of service
  • Unauthorized access to your device

YOU USE THIS SITE AT YOUR OWN RISK.

Indemnification

You agree to indemnify, defend, and hold harmless MyCreditCalculator and its operators from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any rights of others
  • Your provision of false information

Accuracy and Reliability

While we strive for accuracy:

  • Calculator results are estimates only
  • We make no guarantees about accuracy
  • Actual results may differ significantly
  • You should verify all calculations independently

See our Disclaimer and Calculation Methodology for more details.

Links to Third-Party Sites

The Site may contain links to third-party websites. We are not responsible for:

  • The content of external sites
  • The privacy practices of other sites
  • Damages resulting from third-party sites

Links do not imply endorsement.

User Content and Feedback

If you provide feedback, suggestions, or other communications to us:

  • We may use it without compensation
  • You grant us a perpetual, royalty-free license to use it
  • We are not obligated to keep it confidential

Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand our data practices.

Termination

We reserve the right to:

  • Terminate or suspend your access at any time
  • Modify or discontinue the Site without notice
  • Remove content at our discretion

Without liability to you or any third party.

Changes to Terms

We may modify these Terms at any time. Changes become effective immediately upon posting. Your continued use constitutes acceptance of the modified terms.

Please review these Terms periodically.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the Site shall be resolved through:

  1. Informal Negotiation: Contact us to resolve the issue
  2. Arbitration: If negotiation fails, disputes shall be settled by binding arbitration

You waive your right to participate in class actions.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and MyCreditCalculator regarding use of the Site.

Contact Information

Questions about these Terms? Please contact us.