Legal

Terms of Service

Last updated: March 10, 2026

1. Acceptance of Terms

By accessing and using endlifedebt.online (the "Site"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.

2. Not Financial Advice

The content, calculators, and tools provided on EndLifeDebt are for informational and educational purposes only. We are not financial advisors, planners, or brokers. The results provided by our calculators are estimates based on the information you input and do not constitute professional financial, legal, or tax advice. You should consult with a certified financial professional before making any financial decisions.

The calculations provided by our tools are approximations and may not reflect exact figures due to rounding, variations in lender terms, additional fees, or changes in interest rates. We make no representations or warranties regarding the accuracy, completeness, or applicability of any calculation results to your specific financial situation.

EndLifeDebt does not endorse, recommend, or promote any specific financial product, lender, or institution. Any mention of third-party financial products is for informational purposes only.

3. "As-Is" Warranty Disclaimer

The Site and its tools are provided on an "AS-IS" and "AS-AVAILABLE" basis. We disclaim all warranties, express or implied, including but not limited to accuracy, fitness for a particular purpose, and non-infringement. We do not guarantee that the calculators are entirely free from errors or bugs.

We do not warrant that:

—The Site will be available at all times or without interruption
—The results of our calculators will be 100% accurate or error-free
—Any defects or errors on the Site will be corrected
—The Site is free of viruses or other harmful components

4. Limitation of Liability

To the maximum extent permitted by law, EndLifeDebt and its operators shall not be liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses, arising out of your use or inability to use the Site. In no event shall our total liability to you exceed zero dollars ($0.00).

This limitation applies whether the damages arise from use of the Site, reliance on calculator results, inability to use the Site, or any other interaction with the Site, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

5. Affiliate Disclosure

Some pages on our Site may contain affiliate links to third-party financial products and services. This means that if you click on a link and complete an action (such as applying for a loan or signing up for a service), we may earn a commission at no additional cost to you.

Affiliate relationships do not influence our calculator results or the information presented on our Site. Our calculators provide the same results regardless of whether affiliate links are present. We are committed to providing honest, unbiased financial tools.

In compliance with FTC Guidelines, affiliate links are disclosed on the pages where they appear. We encourage you to review the terms and privacy policies of any third-party site before providing personal information.

6. Links to Third-Party Sites

Our Site may contain links to third-party websites or services (including affiliate links and advertisements) that are not owned or controlled by EndLifeDebt. We assume no responsibility for the content, privacy policies, or practices of any third-party sites. Clicking on a third-party link will direct you away from our Site. We strongly advise you to read the terms and privacy policies of any third-party websites you visit.

7. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, calculators, code, and design, is the property of EndLifeDebt and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

You are permitted to use our calculators and view our content for personal, non-commercial purposes. Any commercial use, scraping, or automated access to the Site is prohibited without express written permission.

8. User Conduct

When using our Site, you agree not to:

—Use the Site for any unlawful purpose
—Attempt to gain unauthorized access to any part of the Site
—Interfere with or disrupt the Site or its servers
—Use automated tools to scrape, crawl, or access the Site without permission
—Misrepresent your identity or affiliation with any person or entity

9. Indemnification

You agree to indemnify, defend, and hold harmless EndLifeDebt, its operators, affiliates, and partners from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Site operator resides, without regard to its conflict of law provisions. Any legal action or proceeding arising out of your use of the Site shall be brought exclusively in the courts located in the jurisdiction of the Site operator. You consent to the personal jurisdiction of such courts.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and EndLifeDebt regarding your use of the Site and supersede any prior agreements or understandings. Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this page with an updated revision date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

14. Contact Us

If you have any questions about these Terms of Service, you can reach us through our website: