Terms of use

Last updated May 2026. By using this website you agree to the following terms.

Educational purpose only

Debt Optimization provides general educational information and self-service calculators. We are not a lender, broker, credit-repair organization, debt-settlement company, or a financial, legal, accounting, or tax advisor. Nothing on this site is individualized financial advice or a recommendation to enter into any specific financial product or transaction. For advice about your particular situation, consult a qualified professional.

Calculator results are estimates

Our calculators produce estimates based solely on the figures you enter and on standard amortization assumptions (for example, fixed interest rates and fixed payments). They simplify real-world details — such as variable rates, changing minimum payments, fees, due-date timing, and compounding conventions — and your actual results and the terms you are offered will differ. Do not rely on these estimates as the sole basis for a financial decision; verify all figures with the relevant provider.

No guarantee of accuracy

We work to keep the information and tools accurate and current, but we make no warranties, express or implied, about their completeness, accuracy, reliability, or suitability for any purpose. The site is provided "as is" and "as available."

Third-party links and affiliates

This site contains links to third-party websites, some of which are affiliate links (see our Affiliate Disclosure). We do not control and are not responsible for the content, products, or practices of any third-party site. Inclusion of a link is not an endorsement.

Limitation of liability

To the fullest extent permitted by law, Debt Optimization and its operators will not be liable for any direct, indirect, incidental, consequential, or other damages arising out of or related to your use of — or inability to use — this site, its calculators, or any information or links it contains.

Intellectual property

The content, design, and code of this site are owned by Debt Optimization or its licensors and are protected by applicable law. You may use the site for your personal, non-commercial use. You may not copy, republish, or redistribute substantial portions without permission.

Changes

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

Contact

Questions about these terms? Reach us through the form on our homepage.