Terms of Service
Effective Date: February 28, 2026
Business Name: CreditImpactCalculators.com (“Company,” “we,” “our,” or “us”)
Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree with any part of these Terms, you should discontinue use of the website immediately.
Educational Purpose Only
All content, calculators, articles, guides, and resources on this website are provided strictly for educational and informational purposes. CreditImpactCalculators.com does not provide credit repair services, financial planning services, legal advice, or credit report modification services.
No Professional Relationship
Your use of this website does not create any professional relationship, including but not limited to an attorney-client, financial advisor, financial planner, or credit repair organization relationship under federal or state law.
Calculator Accuracy
The calculators and tools provided on this website generate estimated projections based on general credit scoring principles. Credit scoring systems such as FICO® and VantageScore® use proprietary models that are not publicly disclosed.
We make no representation or guarantee that calculator outputs reflect actual credit scoring outcomes used by lenders or credit bureaus.
Affiliate Compensation
This website may contain affiliate links to third-party services. If you choose to sign up for or purchase a product or service through one of these links, we may receive compensation at no additional cost to you.
Affiliate relationships do not influence the educational content, calculators, or explanations presented on this website.
Third-Party Links
This website may include links to third-party websites or services for informational purposes. We are not responsible for the content, privacy policies, or practices of any third-party websites.
User Conduct
By using this website, you agree not to misuse the website or its services. This includes, but is not limited to:
- Attempting to gain unauthorized access to the website
- Interfering with security features
- Scraping or copying website content without permission
- Attempting to disrupt website functionality
Intellectual Property
All content on this website, including calculators, text, graphics, design elements, and educational materials, is the intellectual property of CreditImpactCalculators.com unless otherwise stated.
Unauthorized reproduction, distribution, or modification of website content is prohibited.
Limitation of Liability
To the fullest extent permitted by law, CreditImpactCalculators.com shall not be liable for lending decisions, credit denials, financial losses, or any indirect or consequential damages arising from the use of this website or reliance on its content.
Indemnification
You agree to indemnify and hold harmless CreditImpactCalculators.com from any claims, damages, liabilities, or expenses arising from misuse of this website or violation of these Terms.
Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the United States and the State of Michigan.
Modifications
We reserve the right to update or modify these Terms at any time. Continued use of the website following any updates constitutes acceptance of those changes.