Terms of Use

Acceptance of terms

By using MyCreditCardPayoffCalculator you agree to these Terms of Use. If you do not agree, please do not use the site.

Educational purpose only

All calculators, articles and guides are provided for general educational purposes. We are not a lender, broker, debt settlement company, credit counselling agency, tax preparer or registered investment adviser, and nothing on this site constitutes personalised financial, tax, legal or credit advice.

Consult a qualified professional and confirm figures directly with your card issuer or lender before making decisions about your debt.

Accuracy of calculations

Our calculators use standard amortisation and interest formulas with monthly compounding, and assume that rates, minimum payment structures and your payment amounts remain constant with no new charges. Real statements may differ due to daily compounding, variable rates, fees, penalty APRs, promotional terms and your own spending. Results are estimates, not guarantees or offers of credit.

No warranty and limitation of liability

The site is provided "as is" without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose or uninterrupted availability. To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental or consequential loss arising from your use of, or reliance on, this site.

Affiliate relationships and advertising

Some outbound links are affiliate links that may earn us a commission at no cost to you, and the site displays third-party advertising. These relationships do not influence calculator output or editorial recommendations.

Intellectual property

The site name, content, calculator logic and design are owned by MyCreditCardPayoffCalculator. You may share links and quote brief passages with attribution; wholesale reproduction or republication is not permitted without written permission.

Third-party links and changes

We are not responsible for the content, terms or privacy practices of third-party sites we link to. We may modify the site or these terms at any time; continued use after changes constitutes acceptance.

Contact

Questions about these terms: Support@MyCreditCardPayoffCalculator.com.