Terms of Service

1. Acceptance of Terms

By accessing and using PayOffPlan, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our service.

2. Description of Service

PayOffPlan provides a loan calculator tool that helps users:

• Calculate loan payments and interest
• Generate payment schedules
• Compare different loan scenarios
• Export calculations to PDF format

The service is provided "as is" and we make no warranties about the accuracy of calculations.

3. User Responsibilities

Users of PayOffPlan agree to:

• Provide accurate information for calculations
• Use the service for personal financial planning only
• Not attempt to manipulate or abuse the system
• Not use the service for any illegal purposes

4. Intellectual Property

All content, features, and functionality of PayOffPlan, including but not limited to:

• Design, text, graphics, and logos
• Calculator algorithms and formulas
• User interface and experience
• Software code and architecture

are owned by PayOffPlan and are protected by international copyright, trademark, and other intellectual property laws.

5. Limitation of Liability

PayOffPlan and its operators shall not be liable for:

• Any errors in calculations or financial decisions made based on our tools
• Any direct, indirect, or consequential damages
• Loss of data or profits
• Service interruptions or technical issues

6. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by:

• Posting updates on our website
• Sending email notifications to registered users
• Displaying notices in the application

7. Contact Information

For any questions regarding these terms, please contact us at:

Email: legal@payoffplan.finance