Terms of Service
Last Updated:
1. Acceptance of Terms
By accessing or using DebtMeltPro ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Service immediately.
2. Description of Service
DebtMeltPro provides free, web-based financial calculators for educational and informational purposes. The Service includes debt payoff calculators, mortgage analysis tools, investment projection calculators, credit card optimization tools, and student loan comparison tools.
3. Financial Disclaimer — IMPORTANT
NOT FINANCIAL, TAX, OR LEGAL ADVICE
The tools, calculators, and content provided by DebtMeltPro are for educational and informational purposes only and do not constitute financial, investment, tax, accounting, or legal advice. Results are mathematical estimates based solely on the inputs you provide.
DebtMeltPro is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or legal professional. You should consult with a licensed financial advisor, accountant, or attorney before making any financial decision.
Actual results will vary based on interest rate changes, fees, lender terms, tax laws, market conditions, and individual circumstances not captured by these calculators.
4. Accuracy of Calculations
We strive to ensure our calculations are mathematically accurate using standard financial formulas. However, we make no warranty, express or implied, regarding the accuracy, completeness, or reliability of any calculation result. Calculator outputs are estimates only and should not be relied upon as the sole basis for any financial decision.
5. Limitation of Liability
To the maximum extent permitted by applicable law, DebtMeltPro and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, including but not limited to: financial losses resulting from decisions made based on calculator results, errors or inaccuracies in calculations, or inability to access the Service.
Our total liability to you for all claims shall not exceed the amount you paid to use the Service (which is $0, as the Service is free).
6. Permitted Use
You may use the Service for lawful, personal, non-commercial purposes. You may not: reverse engineer or attempt to extract source code, scrape or bulk-download content using automated tools, use the Service to provide commercial financial advisory services without our written consent, or attempt to circumvent any security measures.
7. Third-Party Advertising
The Service displays advertisements served by Google AdSense. We do not control the content of these advertisements and they do not constitute endorsements of any product or service. We receive compensation when you click on ads, which helps us maintain the free Service.
8. Intellectual Property
All content, tools, and design elements of DebtMeltPro are owned by or licensed to us and protected by applicable intellectual property laws. You may share links to our tools but may not reproduce, copy, or redistribute our content without written permission.
9. Governing Law
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with JAMS arbitration rules.
10. Changes to Terms
We reserve the right to modify these Terms at any time. Material changes will be indicated by updating the "Last Updated" date. Continued use of the Service after changes constitutes acceptance.
11. Contact
For questions about these Terms: [email protected]