Terms of Use

By accessing or using Payoff Logic (the "Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.

1. Educational purpose — not financial advice

All calculators, articles, and other content on the Site are provided for general educational and informational purposes only. Nothing on the Site constitutes financial, investment, legal, tax, or accounting advice, and nothing on the Site should be relied upon as a substitute for advice from a qualified professional who knows your individual circumstances. We are not a lender, broker, or registered financial advisor.

2. Accuracy of results

Calculator results are estimates based solely on the values you enter and the stated assumptions of each tool. Actual loan terms, rates, taxes, insurance premiums, and fees vary by lender, location, credit profile, and market conditions, and may differ materially from any estimate shown here. While we test our calculators against verified reference examples, we do not guarantee that any result is error-free, complete, or suitable for your purpose.

3. No warranty

The Site and all content are 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, and non-infringement.

4. Limitation of liability

To the maximum extent permitted by law, Payoff Logic and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Site or reliance on any content or calculator result, even if advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using it.

5. Acceptable use

You agree not to:

• Scrape, harvest, or republish Site content at scale without permission;
• Interfere with the Site's operation or attempt to gain unauthorized access;
• Use the Site in any way that violates applicable law.

6. Intellectual property

The Site's design, text, and code are owned by Payoff Logic or its licensors and are protected by copyright. You may link to any page and print results for personal use. Any other reproduction requires prior written permission.

7. Third-party links and advertising

The Site may contain links to third-party websites and may display third-party advertising. We do not control and are not responsible for the content, policies, or practices of third-party sites. A link or ad is not an endorsement.

8. Changes

We may update these Terms at any time by posting a revised version on this page with an updated "last updated" date. Continued use of the Site after changes constitutes acceptance.

9. Contact

Questions about these Terms? Reach us via the contact page.