Terms of Service

Last Updated: January 2025

These Terms of Service ("Terms") govern your use of DebtCalculatorLab ("we," "our," or "us"). By using our website and calculators, you agree to these Terms.

Acceptance of Terms

By accessing or using DebtCalculatorLab, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our services.

Educational Purpose Only

No Guarantees

We make no guarantees, warranties, or promises about:

• Accuracy or completeness of calculator results
• Debt relief, settlement, or reduction outcomes
• Creditor participation or acceptance of settlements
• Eligibility for any debt relief program
• Savings, cost reductions, or financial benefits
• Credit score protection or improvement

Calculator results are estimates based on industry averages and assumptions. Actual results will vary significantly based on individual circumstances.

User Responsibilities

You agree to:

• Provide accurate information to the calculator
• Use the calculator for personal, non-commercial purposes
• Not attempt to reverse-engineer or copy our calculators
• Not use the calculator for fraudulent or illegal purposes
• Not violate any applicable laws or regulations
• Seek professional advice before making financial decisions

Third-Party Relationships

If you opt in to be contacted, we may share your information with a verified debt relief partner. Important points:

• Partner companies are independent businesses we do not control
• We make no representations about their services or practices
• Any agreement you enter with a partner is between you and them
• We are not responsible for partner actions, services, or outcomes
• You should evaluate any offers independently

Intellectual Property

All content on DebtCalculatorLab, including calculators, text, graphics, logos, and code, is owned by LENURA VENTURES INC. and protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without written permission.

Disclaimer of Warranties

DebtCalculatorLab is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or harmful components.

Limitation of Liability

To the maximum extent permitted by law, LENURA VENTURES INC. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising from or related to your use of DebtCalculatorLab, even if we've been advised of the possibility of such damages.

In jurisdictions that do not allow limitation of liability, our liability is limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless LENURA VENTURES INC., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of DebtCalculatorLab or violation of these Terms.

Modifications

We reserve the right to modify these Terms, our calculators, or our services at any time without notice. Continued use after changes constitutes acceptance of modified Terms. We may also discontinue or restrict access to DebtCalculatorLab at any time.

Governing Law

These Terms are governed by the laws of the jurisdiction where LENURA VENTURES INC. is incorporated, without regard to conflict of law provisions. Any disputes shall be resolved in the courts of that jurisdiction.

Severability

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

Contact

Questions about these Terms? Contact: