Terms of Service

By accessing or using CardDebtCalc, you agree to the following terms. Please read them carefully. Last updated: 2026.

Informational Tool, Not Financial Advice

CardDebtCalc is an informational and educational tool. Nothing on this site constitutes financial, investment, tax, or legal advice, and it does not create a professional-client relationship. Always consult a qualified professional before making decisions that affect your finances.

Results Are Estimates

Calculator outputs are estimates based on the figures you provide and simplifying assumptions. Actual outcomes, interest, and payoff timelines may differ due to changes in your interest rate, fees, payment timing, and issuer policies. Use the results as a guide, not a guarantee.

Acceptable Use

You agree to use this site lawfully and to not attempt to disrupt, misuse, or gain unauthorized access to its features, to submit malicious code, or to use the site to mislead or harm others.

Intellectual Property

The content, layout, design, and branding of CardDebtCalc are protected by applicable copyright and trademark laws and may not be reproduced commercially without permission.

Third-Party Links

This site may contain links to external websites. We are not responsible for the content, policies, or practices of those sites, and linking does not imply endorsement.

Limitation of Liability

To the fullest extent permitted by law, CardDebtCalc and its operators are not liable for any direct, indirect, incidental, or consequential damages arising from your use of — or inability to use — this site or reliance on its content or calculations.

Changes to These Terms

We may revise these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

Contact Us

Questions about these terms can be sent through our contact page.