Terms of Use
Effective date: 3 August 2026
Educational Use Only
DebtFlowLab provides calculators and written material for general education. Nothing on this site is financial, tax, legal or investment advice, and no advisor–client relationship is created by using it. We are not a lender, broker, credit repair organisation or licensed financial advisor. Consult a qualified professional before acting on anything you read here.
Calculator Results Are Illustrative Models
All results are projections generated from the figures you enter, using simplifying assumptions. Actual outcomes will differ. In particular, our models assume a fixed HELOC rate, while real HELOCs carry variable rates tied to an index and can reset monthly. Our models also exclude closing costs, annual fees, draw-period expiry and repayment-period amortisation. Treat every result as a comparison between scenarios, not a forecast.
No Guarantee of Accuracy
We work hard to get the arithmetic right and welcome corrections, but we make no warranty that the calculators are free of error. You are responsible for verifying any figure before relying on it. If you believe a calculation is wrong, please contact us with the inputs you used.
Acceptable Use
You may use this site for personal, non-commercial purposes. You may not scrape, resell or redistribute the calculators or their output, attempt to disrupt the service, or use automated systems to submit requests at volume. We apply rate limits and may block access that degrades the service for others.
Accounts and Saved Scenarios
If you create an account, you are responsible for keeping your credentials secure. Saved scenarios are stored on our servers and are associated with your account. You may delete them at any time. We may impose limits on the number of scenarios stored under a free account.
Third-Party Links and Advertising
This site may display advertising and may link to third-party sites. We do not control and are not responsible for third-party content, products or practices. The presence of an advertisement or link is not an endorsement.
Limitation of Liability
To the fullest extent permitted by law, DebtFlowLab is not liable for any loss or damage arising from your use of this site or reliance on its output, including financial loss. Some jurisdictions do not allow certain limitations, so parts of this clause may not apply to you.
Changes to These Terms
We may update these terms from time to time. Continued use of the site after changes take effect constitutes acceptance. The effective date above indicates when this version was published.
Contact
Questions about these terms can be sent to info@debtflowlab.com.