Terms of Service

Acceptance of Terms

By using DebtCalculatorLab, you agree to these terms. All tools are provided "as is" for educational purposes only. If you do not agree with these terms, please do not use our calculators.

Educational Purpose

DebtCalculatorLab provides free debt calculators for educational and informational purposes. Our tools are designed to help you understand debt payoff strategies, compare options, and estimate potential outcomes.

These calculators do not constitute financial, legal, or tax advice. Results are estimates based on the information you provide and industry-standard assumptions. Actual results may vary significantly based on your specific circumstances.

No Guarantees

We make no guarantees about the accuracy, completeness, or suitability of calculator results for your situation. All calculations are estimates and should not be relied upon as the sole basis for financial decisions. Consult qualified professionals before making significant financial decisions.

Not Financial Services

DebtCalculatorLab is not a financial institution, debt settlement company, credit repair organization, credit counseling agency, or law firm. We provide educational tools only.

The debt relief calculator may connect users with third-party debt relief providers if users explicitly consent. We are not responsible for the services, advice, or actions of these third parties.

CPA Review

Our calculation methodologies have been reviewed by a Certified Public Accountant for mathematical accuracy. However, this review does not constitute an endorsement of the tools for any specific use case or guarantee specific outcomes.

Limitation of Liability

DebtCalculatorLab and LENURA VENTURES INC shall not be liable for any damages arising from the use or inability to use our calculators, including but not limited to financial losses, missed opportunities, or decisions based on calculator outputs.

User Responsibilities

You are responsible for: (1) providing accurate information to calculators, (2) verifying results with qualified professionals, (3) understanding that estimates are not guarantees, and (4) making informed financial decisions based on professional advice.

Changes to Terms

We may update these terms at any time. Continued use of DebtCalculatorLab after changes constitutes acceptance of updated terms. Material changes will be reflected in the "Last updated" date below.

Governing Law

These terms are governed by the laws of the jurisdiction in which LENURA VENTURES INC operates. Disputes shall be resolved through binding arbitration.