Terms of Service

Last updated: November 2026

Estimates, not advice

All calculators on CardPayoffTools produce estimates only. They are educational tools, not financial, tax, or legal advice. Card terms, interest rates, minimum-payment formulas, and fees change over time and vary by issuer and borrower. Always verify important figures with a qualified financial professional before making decisions.

No warranties

The site and its calculators are provided "as is" without warranties of any kind. We make reasonable efforts to keep formulas and figures accurate, but we do not guarantee that results are correct, complete, or current.

Limitation of liability

To the maximum extent permitted by law, CardPayoffTools is not liable for any decisions you make based on this site's content or for any losses arising from use of the calculators.

Acceptable use

You agree not to misuse the site, attempt to disrupt it, or scrape it aggressively. You may link to our pages and share results freely.

Intellectual property

Site content and design are owned by CardPayoffTools. Calculator outputs based on your inputs are yours to use freely.

Changes

We may update these terms; the date above will reflect the latest version. Continued use after changes means you accept them.

Contact

Questions? Email [email protected].