Please read these Terms of Use ("Terms") carefully before using the Shareabread.com website and debt payoff calculator (the "Service") operated by Shareabread.com ("we," "us," or "our").
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.
1. Use of the Service
Shareabread.com provides a free online calculator to help users estimate debt payoff timelines and interest costs based on user-provided data and selected strategies (e.g., Snowball, Avalanche).
The Service allows users to input financial information, simulate various payment scenarios (including extra payments, lump sums, snowflakes, pauses, rate changes), compare against potential consolidation, view schedules, save/load plans locally, and export data.
2. No Financial Advice
The information and calculations provided by the Service are for informational and educational purposes only.
Shareabread.com is not a financial advisor, and the Service does not constitute financial, investment, legal, or tax advice.
The accuracy and applicability of the calculations depend entirely on the accuracy and completeness of the data you provide. You are solely responsible for the data you enter.
You should consult with a qualified financial professional before making any financial decisions based on the information provided by the Service.
3. Accuracy and Disclaimer of Warranties
While we strive to provide accurate calculations based on standard financial formulas and the data you input, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Service or the information, products, services, or related graphics contained on the Service for any purpose.
Any reliance you place on such information is therefore strictly at your own risk. We are not responsible for errors resulting from incorrect data entry or misinterpretation of the results.
4. Limitation of Liability
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this Service.
This includes, but is not limited to, liability for errors or omissions in the calculations, or for decisions made based on the information provided.
5. User Responsibilities
You are responsible for entering accurate and up-to-date financial information into the calculator to obtain meaningful results.
If you use the "Save Plan" feature, you understand that data is stored locally in your browser's storage, and we do not have access to it. You are responsible for the security of your own device and browser storage.
6. Intellectual Property
The Service and its original content (excluding data entered by users), features, and functionality are and will remain the exclusive property of Shareabread.com and its licensors. The Service is protected by copyright, trademark, and other laws. Our name and logo may not be used in connection with any product or service without our prior written consent.
7. Links to Other Websites
Our Service may contain links to third-party websites or services (e.g., educational resources) that are not owned or controlled by us.
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
8. Termination
We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to a breach of the Terms.
9. Governing Law
These Terms shall be governed and construed in accordance with the laws of [Your Jurisdiction - e.g., State, Country], without regard to its conflict of law provisions.
10. Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms.
11. Contact Us
If you have any questions about these Terms, please contact us at: eric@shareabread.com