Terms of Service

Last updated: February 8, 2026

Welcome to Debt Payoff Spreadsheet ("we," "us," "our," or the "Site"). By accessing or using our website, tools, and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

1. Acceptance of Terms

By accessing or using Debt Payoff Spreadsheet, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Debt Payoff Spreadsheet.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

2. Use of the Site

You agree to use the Site and its tools for lawful purposes only and in accordance with these Terms. You agree not to:

3. Financial Information Disclaimer

IMPORTANT: The information, tools, calculators, and content provided on this Site are for informational and educational purposes only and do not constitute professional financial, legal, tax, investment, or accounting advice.

The debt payoff calculator and any results it generates are based on the information you provide and general mathematical calculations. These results are estimates and may not accurately reflect your specific financial situation, obligations, or outcomes.

You should not rely solely on the information or tools provided on this Site when making financial decisions. Always consult with qualified financial advisors, accountants, tax professionals, or legal counsel before making any financial, investment, or legal decisions.

We make no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any information or tools provided on this Site. Your use of any information or tools is entirely at your own risk.

4. Disclaimer of Warranties

This Site and its tools, content, and services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to:

While we strive for accuracy and reliability, we cannot guarantee that the results generated by our calculator will be error-free, complete, or perfectly reflect your specific financial situation. We do not warrant that the Site or its content will meet your requirements or expectations.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by law.

5. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Debt Payoff Spreadsheet, its owners, operators, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

6. Indemnification

You agree to defend, indemnify, and hold harmless Debt Payoff Spreadsheet, its owners, operators, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

7. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, arrangement, and the debt payoff calculator) are owned by Debt Payoff Spreadsheet, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its tools for personal, non-commercial purposes only. You may not:

8. Third-Party Services and Links

Our Site uses various third-party services to provide functionality, analytics, and advertising, including but not limited to:

Each of these third-party services has its own terms of service and privacy policies, which govern your use of those services. We are not responsible for the content, privacy practices, or terms of service of any third-party services.

The Site may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

9. Advertising and Google AdSense

We participate in the Google AdSense program to display advertisements on our Site. These advertisements help us keep our tools and content free for all users.

Third-party vendors, including Google, may use cookies and similar technologies to serve ads based on your prior visits to our Site and/or other websites. If third-party ad serving is enabled, other ad networks may also use cookies on this Site. You can opt out of personalized advertising by visiting Google Ads Settings or by visiting www.aboutads.info.

We do not control the content of advertisements displayed on our Site. The appearance of advertisements does not constitute an endorsement or recommendation by us. We are not responsible for the content, accuracy, or opinions expressed in any advertisements, and we shall not be liable for any claims or losses arising from your interaction with advertisements.

10. Affiliate Disclosure

In compliance with FTC guidelines and applicable consumer protection laws, we disclose that this website may contain affiliate links to third-party products, services, and websites.

If you click on an affiliate link and make a purchase or sign up for a service, we may receive a commission or referral fee at no additional cost to you. These affiliate relationships help us maintain and improve our free tools and content.

We strive to recommend only products and services that we believe may be helpful to our users. However, our affiliate relationships do not influence our editorial content, and we maintain editorial independence. We are not responsible for the quality, accuracy, or performance of any third-party products or services, and your use of such products or services is at your own risk.

Specific Disclosure: We may participate in various affiliate programs, which may include but are not limited to financial services, software tools, educational resources, and other products or services relevant to debt management and personal finance. The specific affiliate programs we participate in may change over time.

11. User-Generated Content and Communications

If you submit content to us through our contact form, newsletter subscription, or similar communications, you grant us a limited, non-exclusive, royalty-free license to process and use that content only as needed to operate the Site, respond to your request, provide support, maintain records, and comply with legal obligations.

You represent and warrant that you own or control all rights to any content you submit and that such content does not violate these Terms or any applicable laws.

12. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Your non-essential cookie and advertising preferences are managed through Google Privacy & Messaging/CMP where required by law.

Important Note: Your financial data entered into our debt payoff calculator is stored only in your browser's local storage on your device. We do not collect, store, or transmit your financial information to our servers or any third parties.

13. Geographic Restrictions

We make no representations that the Site or its content is appropriate or available for use in all locations. If you access the Site from outside your jurisdiction, you do so at your own initiative and are responsible for compliance with local laws.

14. Termination

We reserve the right to terminate or suspend your access to the Site, without prior notice or liability, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the Site will immediately cease.

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and interpreted in accordance with the laws of Turkey, without regard to its conflict of law provisions.

We acknowledge that our Site is accessible globally and intended primarily for users in the United States and the European Union. Nothing in these Terms is intended to limit any mandatory consumer or privacy rights that apply to you under the laws of your place of residence.

Any disputes arising out of or relating to these Terms or your use of the Site should first be addressed through good-faith negotiations. If negotiations fail, disputes will be handled by the competent courts and authorities as determined by applicable law.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions herein.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Debt Payoff Spreadsheet regarding your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

18. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Debt Payoff Spreadsheet.

19. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be indicated by updating the "Last updated" date at the top of this page. For significant changes, we may provide additional notice (such as a prominent notice on our homepage).

Your continued use of the Site following any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Site.

20. Contact

Questions, comments, or concerns about these Terms of Service should be sent to us via our contact page.

We will make reasonable efforts to respond to your inquiries in a timely manner.