Terms of Service

Acceptance of Terms

By using DebtMage, you agree to these terms. DebtMage is a free, open-source tool provided as-is for personal financial planning purposes.

Not Financial Advice

DebtMage is an educational tool, not a financial advisor. The calculations, strategies, and projections provided are for informational purposes only. We recommend consulting with a qualified financial professional before making financial decisions.

Accuracy of Calculations

While we strive for accuracy, DebtMage provides estimates based on the information you enter. Actual results may vary due to:

• Changes in interest rates
• Fees not accounted for in calculations
• Rounding differences
• Changes in your financial situation

Your Responsibility

You are responsible for:

• The accuracy of data you enter
• Backing up your data using the export feature
• Making your own financial decisions
• Verifying calculations with your actual account statements

No Warranty

DebtMage is provided "as is" without warranty of any kind. We do not guarantee that the service will be uninterrupted, error-free, or meet your specific requirements.

Limitation of Liability

To the maximum extent permitted by law, DebtMage and its creators shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.

Changes to Terms

We may update these terms from time to time. Continued use of DebtMage after changes constitutes acceptance of the new terms.