Terms of Service
Last updated:
By using Payoff My Cards (this site), you agree to the following terms. If you do not agree, please do not use the site.
1. Educational tool only
Every calculator on this site is provided for general educational and informational purposes only. Nothing on this site is financial, legal, tax, credit, or investment advice, and no output should be treated as a personalized recommendation. Results are estimates based on the numbers you enter and standard payoff-schedule mathematics. Actual outcomes depend on your specific card issuer's terms, rate changes, fees, promotional offer conditions, and your own payment behavior over time. We encourage you to consult a licensed financial advisor, credit counselor, or attorney for guidance specific to your situation.
2. No guarantee of accuracy
While we aim for the calculations to be mathematically sound, this site and its calculators are provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that results will be error-free, complete, or applicable to your specific card agreement. We are not responsible for financial decisions made based on the output of any calculator on this site.
3. Limitation of liability
To the fullest extent permitted by law, Payoff My Cards and its operator shall not be liable for any indirect, incidental, special, or consequential damages, or any loss of profits or data, arising from your use of, or inability to use, this site or its calculators.
4. No account, no data retention
The site does not require an account and does not store the financial figures you enter into any calculator. See our Privacy Policy for full details on what information is and isn't collected.
5. Advertising
This site may be supported by advertising, including through Google AdSense. Ads are served by third parties, and their content, products, and services are not endorsed by Payoff My Cards.
6. Acceptable use
You agree not to misuse this site, attempt to disrupt or reverse-engineer it, scrape it at scale, or use it in any way that violates applicable law.
7. Intellectual property
The design, calculators, and written content on this site are the property of Payoff My Cards unless otherwise noted, and may not be reproduced or redistributed without permission.
8. Governing law
These terms are governed by the laws of the jurisdiction in which the site operator resides, without regard to conflict-of-law principles.
9. Changes to these terms
We may update these terms from time to time. Continued use of the site after changes are posted means you accept the updated terms.
10. Contact
Questions about these terms can be sent via the contact page.