Terms of Use

1. Nature of the Service (Not Financial Advice)

PlanMyDebt.com provides free, educational calculators and informational content designed to help users understand the mathematical impact of different debt repayment strategies, specifically the Avalanche and Snowball methods.

We do not provide regulated financial advice, debt counselling, or formal debt solutions.

The information and calculations provided by our tools are based purely on the numbers you input and standard mathematical formulas (such as compound interest and amortisation). They do not take into account your personal circumstances, living costs, or overall financial health. You should always verify your balances, interest rates, and minimum payment requirements directly with your creditors before making financial decisions.

2. Accuracy of Calculations

While we strive to ensure our calculators are as accurate as possible, the results generated by PlanMyDebt.com are estimates for illustrative purposes only. Your actual payoff dates and interest charges may vary depending on:

• How your specific lenders calculate and apply interest (e.g., daily vs. monthly compounding).
• When in the month your payments are processed.
• Any late fees, annual fees, or changes to variable interest rates.

We make no warranties or representations regarding the absolute accuracy, completeness, or reliability of the calculations or content provided.

3. User Responsibilities

By using the Service, you agree that:

• You are solely responsible for any financial decisions or actions you take based on the information or calculations provided by PlanMyDebt.com.
• You will not use the Service for any unlawful purpose or in any way that could damage, disable, or impair the website.
• You understand that the Service is intended for personal, non-commercial use.

4. Privacy and Data Storage

PlanMyDebt.com is designed with your privacy in mind. Our calculators operate entirely within your web browser. We do not require you to create an account, and we do not transmit, store, or process your specific debt data (balances, interest rates, minimum payments) on our servers.

Any data you enter into the calculator is stored locally on your device using browser storage (localStorage) so that your plan remains available when you return. You can clear this data at any time by clearing your browser's cache and site data. For more information on how we handle general website analytics and cookies, please review our Privacy Policy.

5. Intellectual Property

All content, design, graphics, text, and underlying code on PlanMyDebt.com are the intellectual property of PlanMyDebt.com and its founder, Simon Bondham, unless otherwise stated. You may download or print the PDF reports generated by the calculator for your personal use. You may not reproduce, distribute, or create derivative works from our content or tools for commercial purposes without explicit written permission.

6. Third-Party Links and Advertising

PlanMyDebt.com is a free tool. To keep the site running, we may display advertisements or include links to third-party websites, products, or services (including affiliate links).

• We do not endorse, guarantee, or assume responsibility for the accuracy, content, or practices of any third-party websites.
• If you click on an affiliate link and make a purchase or sign up for a service, we may earn a commission at no additional cost to you. This does not influence the mathematical outputs of our calculators or our editorial integrity.
• Your interactions with third-party advertisers or service providers found on or through our Service are solely between you and the third party.

7. Limitation of Liability

To the maximum extent permitted by law, PlanMyDebt.com, its founder, authors, and operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your use of, or inability to use, the Service. This includes, but is not limited to, any financial losses, missed payments, or credit score impacts resulting from reliance on our calculators or content.

8. Changes to These Terms

We reserve the right to modify or replace these Terms of Use at any time. Any changes will be effective immediately upon posting to this page, with the “Last updated” date revised accordingly. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

9. Contact Us

If you have any questions about these Terms of Use, please contact us at [email protected].