Terms of Use | Debt to Income
Debt to Income

Terms of Use

Last Updated: June 6, 2026

1. Acceptance of Terms

By accessing and using this website and web application (the "Service"), you agree to be bound by and comply with these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Educational & Informational Purpose Only

The Debt to Income Ratio Calculator is provided solely for educational and general informational purposes.

Important Disclaimers:

  • Not Financial Advice: The content, calculations, and estimates provided through this Service do not constitute financial, investment, legal, tax, or mortgage advice.
  • No Lender Relationship: We are not a lender, mortgage broker, or financial institution. Using this calculator does not constitute an application for credit, and the results do not guarantee loan approval or denial by any bank or lender.
  • Accuracy Estimates: While we aim to make our calculators as accurate as possible, actual DTI metrics used by lenders depend on verified data, differing internal formulas, and credit report pulls. Always verify critical details with a licensed professional.

3. Permitted & Prohibited Use

You are granted a non-exclusive, non-transferable, revocable license to access and use the Service strictly in accordance with these Terms. As a condition of your use, you warrant that you will not use the Service for any purpose that is unlawful or prohibited by these Terms, including:

  • Attempting to bypass or disable any security features of the site.
  • Using automated systems, scrapers, or bots to harvest data or generate mock traffic.
  • Submitting fraudulent, offensive, or malicious content through the review and contact form.

4. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

5. Limitation of Liability

IN NO EVENT SHALL WE, OUR ASSOCIATES, OR OUR CONTENT PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR USE OF THIS SERVICE AND ANY DECISIONS MADE THEREOF ARE ENTIRELY AT YOUR OWN RISK.

6. Intellectual Property

All code, graphics, logos, layouts, and materials displayed on this site are the intellectual property of the Service owners and are protected by applicable copyright and trademark laws. You may not reproduce, redistribute, or create derivative works of any part of this Service without explicit written consent.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the site operators reside, without regard to conflict of law principles.

8. Contact Details

If you have any questions or feedback regarding these Terms of Use, please reach out to us at:

PLACEHOLDER_EMAIL