Terms of Service
Last updated: July 2, 2026
Not financial advice
CardsPayoff is a free educational tool. The results it produces are estimates based on the numbers you enter and standard payoff math — they are not financial, legal, or tax advice. Your actual card terms, fees, promotional rates, and payment processing may cause real-world results to differ. Consult a qualified financial advisor before making major financial decisions.
No warranty
This tool is provided "as is" without any warranty of accuracy, reliability, or fitness for a particular purpose. We do our best to keep the math correct, but you use the results at your own discretion and risk.
Acceptable use
You may use CardsPayoff for personal, non-commercial financial planning. Please don't attempt to scrape, disrupt, or abuse the site.
Changes
We may update these terms as the site evolves. Continued use of the site after changes means you accept the updated terms.
Contact
Questions? Reach out via the contact page.