Terms of Service

Effective Date: January 25, 2025

Welcome to DebtFree Calculator. These Terms of Service ("Terms") govern your use of our debt calculation service. By accessing or using DebtFree Calculator, you agree to be bound by these Terms.

1. Acceptance of Terms

By using DebtFree Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our service.

2. Description of Service

DebtFree Calculator is a free, web-based financial calculation tool that helps users:

• Calculate debt payoff timelines
• Compare debt repayment strategies (Snowball vs. Avalanche)
• Estimate interest savings
• Generate payment schedules

All calculations are performed locally in your web browser. We do not store, transmit, or have access to your financial data.

3. No Financial Advice

You should not rely on this calculator as the sole basis for making financial decisions. Always consult with qualified financial professionals before making important financial decisions.

4. Disclaimer of Warranties

DebtFree Calculator is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy of calculations
• Completeness of information
• Reliability of results
• Fitness for a particular purpose

While we strive to provide accurate calculations, we cannot guarantee that the results will be error-free or applicable to your specific situation.

5. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

DebtFree Calculator, its operators, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial losses
• Lost profits or savings
• Loss of data
• Business interruption
• Personal injury

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

6. Indemnification

You agree to indemnify, defend, and hold harmless DebtFree Calculator and its operators from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any rights of another party
• Any financial decisions you make based on the calculator's results

7. Accuracy of Information

You are responsible for ensuring the accuracy of all information you input into the calculator. The accuracy of results depends entirely on the accuracy of your inputs. Factors that may affect actual results include:

• Variable interest rates
• Additional fees or charges
• Changes in payment amounts
• Payment timing
• Compounding frequency

8. Intellectual Property

All content, features, and functionality of DebtFree Calculator, including but not limited to text, graphics, logos, and software, are the property of DebtFree Calculator and are protected by Brazilian and international copyright, trademark, and other intellectual property laws.

9. User Conduct

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorized access to the service
• Interfere with or disrupt the service
• Transmit viruses or malicious code
• Scrape or copy content without permission

10. Modifications to Service

We reserve the right to modify, suspend, or discontinue the service at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to its conflict of law provisions. Any legal action or proceeding relating to your use of the service shall be instituted in a court of competent jurisdiction in São Paulo, Brazil.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

13. Entire Agreement

These Terms constitute the entire agreement between you and DebtFree Calculator regarding the use of the service and supersede all prior agreements and understandings.

14. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of the service after any changes indicates your acceptance of the new Terms.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: contact@debtfreecalculator.net

Location: São Paulo, Brazil