1. Acceptance
By accessing PayoffDesk you agree to these terms. If you do not agree, please do not use the site.
2. Permitted use
You may use the calculators and content for personal, non-commercial purposes. You may not scrape, republish, mirror or redistribute substantial portions of the site, nor use automated systems to access it in a way that imposes an unreasonable load on our infrastructure.
3. No professional advice
All content is general information. It is not financial, investment, tax, accounting or legal advice, and no fiduciary or advisory relationship is created by your use of the site.
4. Accuracy
We take reasonable care with our formulas and content but make no warranty that results are accurate, complete or current. Interest rates, tax rules and lender practices change frequently.
5. Intellectual property
All text, design and code on this site are owned by us or our licensors and are protected by copyright. Trade marks referenced remain the property of their owners.
6. Third-party links and advertising
The site contains links and advertisements served by third parties. We do not control and are not responsible for the content, products or practices of those third parties.
7. Limitation of liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential or punitive damages, or for any loss arising from decisions made in reliance on this site. Nothing in these terms excludes liability that cannot lawfully be excluded.
8. Indemnity
You agree to indemnify us against claims arising from your misuse of the site or breach of these terms.
9. Changes and termination
We may modify the site or these terms at any time, and may suspend access for any user who breaches them.
10. Governing law
These terms are governed by the laws of [your jurisdiction], and the courts of that jurisdiction have exclusive jurisdiction over any dispute.
11. Contact
Questions about these terms: hello@payoffdesk.com