Terms of Use

Effective Date: May 21, 2026

Welcome to Debt Free Solutions. By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. Please review these terms carefully.

1. Educational and Informational Nature

All content, tools, calculators, resources, guides, and text provided on this website are for general educational and informational purposes only. The information provided does not constitute financial, legal, credit, investment, or tax advice. Debt Free Solutions is being developed as an independent, mission-driven volunteer financial education resource. We do not act as credit counselors, lawyers, CPAs, or financial advisors.

Before making any major financial decisions, including entering into debt repayment programs, negotiating tax debts, or changing your credit profiles, you should consult with a licensed professional in the respective field.

2. No Professional-Client Relationship

Your use of this website, including interactive calculators or submitting a query through our contact form, does not create an advisory, fiduciary, or professional-client relationship between you and Debt Free Solutions or any of its contributors. Our response to contact submissions is purely informational and aims to direct users toward relevant educational resources.

3. Local Use of Calculators

Our Debt Payoff Calculator is built using client-side mathematical calculations. These calculations are estimates based on standard amortization structures and the numbers you input. They should not be relied upon to represent exact, final amortization schedules provided by credit bureaus, credit issuers, or financial institutions.

4. Intellectual Property

The code, layouts, styling, graphics, and written content on this website are the intellectual property of Debt Free Solutions, unless otherwise noted. Because we believe in mission-driven transparency, you are welcome to copy and redistribute our educational articles and materials for personal, non-commercial use, provided that appropriate credit and link attribution are given.

5. Disclaimer of Warranties and Limitation of Liability

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Debt Free Solutions does not guarantee that the guides, tools, or tables are free from minor errors or omissions. In no event shall Debt Free Solutions or its volunteers be held liable for any direct or indirect damages arising out of the use or inability to use this website.

6. Governing Law

These terms shall be governed and interpreted in accordance with the laws of the jurisdiction of the website's administrators, without giving effect to any principles of conflicts of law.

7. Contact

If you have any questions or require clarification regarding these terms, please reach out via our Contact Us page.