Last Updated: 5/30/2025
1. Acceptance of Terms
By accessing and using Should I Pay Off Loan? (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this Service.
2. Service Description
The Service provides educational financial analysis and insights based on user-provided data. All calculations and analysis are performed within your browser. No personal data is stored or transmitted to our servers for storage.
3. Educational Purposes Only
The information provided by the Service is for educational and informational purposes only. It is not intended as, and should not be understood or construed as, financial advice. We are not financial advisors, and the Service does not provide financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.
4. No Data Collection or Storage
The Service is designed to respect your privacy. We do not collect, store, or track any personal information or financial data you input into the tool. All data processing occurs locally in your web browser. Once you close your browser session or navigate away from the results page, the information you entered is gone unless you have explicitly downloaded it.
5. No Warranties
The Service is provided "as is" and "as available" without any warranties of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be error-free or that defects will be corrected. You acknowledge that your use of the Service is at your sole risk.
6. Limitation of Liability
In no event shall Should I Pay Off Loan? or its creators be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Service. This includes, but is not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the Service.
7. Intellectual Property
The Service and its original content (excluding data provided by users), features, and functionality are and will remain the exclusive property of Should I Pay Off Loan? and its licensors.
8. Changes to Terms
We reserve the right to modify or replace these Terms at any time. We will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
9. Contact Us
If you have any questions about these Terms, please contact us via the information available on shivamber.com.