Terms of Service

Last updated: November 2026

1. Agreement to Terms

By accessing or using PayoffCraft (https://payoffcraft.com), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the service.

2. Financial Disclaimer - Not Professional Financial or Tax Advice

The information and calculators provided by PayoffCraft are for educational, illustrative, and informational purposes only. They are not intended as, and should not be construed as, certified financial planning, tax accounting (CPA), legal, or investment advice.

Tax laws, deductions, and bracket thresholds vary substantially by jurisdiction and individual circumstances. You should consult a qualified Certified Public Accountant (CPA) or financial advisor before making tax filings or financial commitments.

3. Accuracy of Calculations

While we strive to maintain accurate, up-to-date mathematical schedules based on published IRS and banking formulas, PayoffCraft makes no representations, warranties, or guarantees regarding the completeness, accuracy, or reliability of any calculation or output.

4. Limitation of Liability

Under no circumstances shall PayoffCraft or its operators be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the site or reliance upon any calculator output.