Terms of Service

Last Updated: May 30, 2026

Please read these Terms of Service ("Terms") carefully before using GotDebt.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About GotDebt.com

GotDebt.com is an educational resource that provides free debt relief information, calculators, and tools. We do not provide financial, legal, or credit counseling services. We are not a licensed financial advisor, attorney, or credit counseling agency. Content on this Site is for informational and educational purposes only.

2. No Financial or Legal Advice

Nothing on this Site constitutes financial, legal, tax, or credit advice. Calculator results and educational content are estimates and general information only. Your actual results will vary based on your specific financial situation. Always consult a licensed financial advisor, credit counselor, or attorney before making decisions about your debt.

3. Affiliate Relationships

GotDebt.com participates in affiliate marketing programs. We may receive compensation when you click on links to or connect with third-party debt relief service providers through our Site. This compensation does not influence our editorial content. See our Affiliate Disclosure for full details.

4. Third-Party Services

When you connect with a debt relief company through GotDebt.com, you are entering into a relationship with that third party — not with GotDebt.com. We do not control, endorse, or guarantee the services, products, or outcomes provided by any third-party company. We encourage you to research any company thoroughly before enrolling in their program.

5. Accuracy of Information

We make reasonable efforts to keep information on this Site accurate and up to date, but we make no warranties or representations regarding the completeness, accuracy, or timeliness of any content. Debt laws, interest rates, and program availability change frequently. Always verify information directly with a qualified professional or official government source.

6. Use of Calculators and Tools

All calculators and tools on GotDebt.com are provided free of charge for educational purposes. Results are estimates based on the inputs you provide and standard mathematical models. They do not account for all variables that may affect your actual debt payoff timeline or costs. GotDebt.com is not responsible for decisions made based on calculator outputs.

7. Intellectual Property

All content on this Site — including text, graphics, logos, and code — is the property of GotDebt.com or its content providers and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works from any content on this Site without express written permission.

8. Limitation of Liability

To the fullest extent permitted by law, GotDebt.com, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information or tools provided herein. Your use of the Site is at your sole risk.

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our data practices.

10. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of the Site after any changes constitutes your acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from your use of this Site shall be subject to the jurisdiction of the applicable courts.

12. Contact Us

If you have questions about these Terms, please contact us.