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Terms of Service

Last Updated: October 5, 2026

1. Agreement to Terms

By entering and interacting with FastDebtPayoff (https://fastdebtpayoff.netlify.app), you acknowledge that you have read, understood, and consented to these Terms of Service. If you disagree with any portion of these provisions, you must discontinue use immediately.

2. Financial Disclaimer (Not CPA or Fiduciary Advice)

FastDebtPayoff provides mathematical projections for illustrative and educational planning only. It does not constitute professional investment, credit counseling, tax, or legal advice. Variable interest compounding schedules, lender balance fees, late penalties, and promotional APR expirations can alter actual repayment outcomes. Users should consult a certified financial planner (CFP) or their lending institutions to verify formal payoff schedules.

3. Disclaimer of Warranties

The calculations and resources on FastDebtPayoff are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including merchantability or fitness for specific financial restructuring purposes.

4. Limitation of Liability

Under no legal theory will FastDebtPayoff, its creators, or administrators be liable for any indirect, consequential, or financial damages resulting from reliance on the debt schedules, dates, or interest amounts simulated on the platform.

5. Third-Party Links & Network Endorsements

Our site displays third-party ad banners via Google AdSense and connects to affiliate financial services or external network tools. We assume no legal responsibility or operational control over the services, terms, or underwriting guidelines of external providers.

6. Governing Jurisdiction

These terms and any actions relating to the use of this website shall be governed by and interpreted under the commercial statutes of the United States.