Terms of Use
Last updated: May 2026
By using DebtFreePathways ("the website"), you agree to the following terms. If you do not agree, please do not use the website.
1. Informational purposes only
All calculators and content on this website are provided for educational and informational purposes only. Results are estimates and do not constitute financial, legal, tax, or investment advice. Always consult a qualified financial advisor before making financial decisions.
2. No warranties
This website is provided "as is" without any warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or suitability of any information or calculator results for your specific situation.
3. Limitation of liability
DebtFreePathways shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on its content.
4. Acceptable use
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the website.
5. Changes to these terms
We reserve the right to update these Terms of Use at any time. Continued use of the website after changes constitutes acceptance of the new terms.
4. Advertising
DebtFreePathways displays third-party advertisements through Google AdSense. These ads are served by Google and may use cookies to show you relevant advertisements based on your browsing activity. We do not control the content of these advertisements and are not responsible for any products or services advertised.
By using this website, you acknowledge that third-party advertising may be displayed. You may opt out of personalised advertising through Google Ads Settings.
5. Intellectual property
All content on this website — including text, calculator code, and design — is the property of DebtFreePathways. You may not reproduce, distribute, or create derivative works from any content on this site without written permission, except for personal, non-commercial use.
You may share links to pages on this website freely. You may not scrape, reproduce, or republish substantial portions of our guides or calculator content.
6. Third-party links
Our guides and tools may contain links to external websites for reference purposes. These links are provided for convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party websites. Visiting external links is at your own risk.
7. Calculator accuracy and limitations
Our calculators use standard financial formulas to produce estimates. However, results are not guarantees. Actual loan payments, interest charges, and financial outcomes depend on factors that may not be captured by our tools — including lender-specific fees, variable interest rate changes, prepayment penalties, tax implications, and changes to your financial circumstances.
You should always verify calculator outputs with your lender, financial advisor, or other qualified professional before making financial commitments. DebtFreePathways does not guarantee that any specific outcome will result from following information on this site.
8. Governing law
These Terms of Use are governed by applicable law. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
9. Changes to these terms
We may update these Terms of Use at any time. Changes take effect immediately upon posting. Your continued use of the website after any changes constitutes acceptance of the updated terms. The "Last updated" date at the top of this page reflects the most recent revision.
10. Contact
Questions about these terms? Contact us at hello@debtfreepathways.com.