Terms of Service

1. Agreement to Terms

By accessing and using DebtMasher.com ("the Site"), you accept and agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional terms that may apply. If you do not agree to these Terms, please do not use the Site.

2. Description of Service

DebtMasher provides debt management calculators and educational resources to help users understand and plan their debt repayment. Our calculator tools allow users to analyze debt payoff strategies including the debt snowball and debt avalanche methods.

3. Not Financial Advice

The information and tools provided on this Site are for educational and informational purposes only. They are not intended to be and should not be construed as financial, investment, or tax advice. DebtMasher is not a financial advisor, financial planner, broker, or tax advisor.

We recommend consulting with qualified financial, tax, or legal professionals regarding your specific circumstances before making financial decisions. The results provided by our calculators are estimations based on the information you provide and general mathematical principles.

4. User Accounts

Some portions of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account information, including your password, and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

When you create an account, you agree to provide accurate, current, and complete information. You also agree not to impersonate anyone else or misrepresent your identity or affiliation with any person or organization.

5. Acceptable Use

When using our Site, you agree not to:

• Violate any applicable laws or regulations
• Infringe on the rights of others, including intellectual property rights
• Use the Site in any manner that could disrupt, damage, or impair the Site or interfere with any other party's use
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
• Transmit any viruses, malware, or other harmful code
• Collect or harvest any personally identifiable information from the Site
• Use the Site for any commercial purpose without our express written consent

6. Intellectual Property

The Site and its original content, features, and functionality are owned by DebtMasher and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not modify, reproduce, distribute, create derivative works from, publicly display, or exploit in any way any content on the Site without our prior written consent.

7. Third-Party Links and Content

Our Site may contain links to third-party websites or services that are not owned or controlled by DebtMasher. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

The Site may include affiliate links. This means we may earn a commission if you click on or make purchases via these links, at no additional cost to you. This helps support the Site and allows us to continue offering our calculator tools for free.

8. Limitation of Liability

To the fullest extent permitted by applicable law, DebtMasher and its officers, directors, employees, partners, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, or goodwill, resulting from:

• Your access to or use of, or inability to access or use, the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

9. Disclaimer of Warranties

The Site is provided on an "AS IS" and "AS AVAILABLE" basis. DebtMasher expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

DebtMasher makes no warranty that the Site will meet your requirements, be available uninterrupted, timely, secure, or error-free, or that results obtained from using the Site will be accurate or reliable.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles.

12. Contact Information

If you have any questions about these Terms, please contact us at terms@debtmasher.com or visit our Contact Us page.