Terms of Service

Effective: May 26, 2026. By using GetDebtFree.tools, you agree to these terms. Plain English: our content is educational, not personalized financial advice. We do our best to be accurate. You're responsible for your own financial decisions.

Educational content disclaimer

All content on this site — including calculators, articles, pillar guides, and FAQs — is provided for general educational purposes only. It is not personalized financial advice, legal advice, tax advice, or investment advice.

We are not a Certified Financial Planner (CFP) firm, CPA, attorney's office, registered investment advisor, or licensed debt management company. We are an editorial site that provides free tools and educational content.

For decisions about your specific financial situation, consult a licensed professional. Our methodology page details exactly what we do and don't claim.

Accuracy of calculations

Our calculators use standard amortization formulas. We have tested them against authoritative sources and believe they are accurate. However, calculator outputs depend entirely on the inputs you provide. We cannot guarantee that real-world results will match calculator projections because real debts involve variable APRs, fees, late charges, promotional rates expiring, and other factors not modeled.

Use calculator results as a planning estimate, not a guaranteed prediction.

No professional relationship

Using this site does not create a financial advisory, fiduciary, attorney-client, or other professional relationship between you and GetDebtFree.tools or its authors. We are publishing general information for the public.

Affiliate links and recommendations

This site contains affiliate links. When you click certain links to partner companies and complete an action, we may receive a commission at no extra cost to you. We disclose this transparently — see our affiliate disclosure.

Affiliate relationships do not influence our editorial content. We recommend strategies and products based on their utility to readers, not on commission rates. Read our editorial guidelines.

Limitation of liability

To the maximum extent permitted by law, GetDebtFree.tools and its authors are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site, including but not limited to: financial losses, missed payments, credit score changes, or decisions made based on calculator outputs or article content.

You use this site at your own risk and are solely responsible for your financial decisions.

External links

We link to external sites (such as CFPB, IRS, Federal Reserve, FTC, and partner companies) for reference and convenience. We do not control external content and are not responsible for the privacy practices, accuracy, or terms of those sites.

Intellectual property

Original content on this site (articles, calculator code, methodology documentation) is copyright of GetDebtFree.tools and its authors. You may quote brief portions with attribution and a link back. Wholesale reproduction without permission is not authorized.

Changes to these terms

We may update these terms periodically. The "Effective" date will reflect the latest version. Continued use of the site after changes constitutes acceptance.

Governing law

These terms are governed by applicable consumer protection laws of the United States and the jurisdiction in which the site operator resides. Disputes will be resolved in good faith first; if unresolved, through binding arbitration where permitted by law.

Last reviewed: May 26, 2026 · Contact: xaviercahe@gmail.com