Terms of Service
Last updated: April 2026
1. Service description
Debt Freedom Date ("we", "us") provides an online debt payoff calculator and personalised PDF report service at debtfreedomdate.net. The calculator is free to use. A one-time payment of $4.99 unlocks a downloadable PDF payoff plan.
2. Not financial advice
All content provided by Debt Freedom Date is for informational purposes only and does not constitute financial, legal, or professional advice. Always consult a qualified financial adviser before making financial decisions.
3. Payment
Payments are processed securely by Paddle.com, our authorised reseller. By purchasing, you agree to Paddle's Terms of Service. Your PDF is available for immediate download after payment.
4. Refunds
We offer a 7-day money-back guarantee. If you are not satisfied with your PDF report, contact us within 7 days of purchase for a full refund. See our Refund Policy.
5. Intellectual property
All content, design, and software on this site is owned by Debt Freedom Date. You may not reproduce or redistribute any part of the service without written permission.
6. Limitation of liability
Debt Freedom Date is not liable for any financial outcomes resulting from use of this service. Our total liability shall not exceed the amount you paid for the service.
7. Changes to terms
We may update these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.
8. Contact
Questions? Email us at support@debtfreedomdate.net