Terms of Service

Effective Date: October 21, 2025
Last Updated: October 21, 2025

Agreement to Terms

Welcome to The Payoff Climb. By accessing or using our website at thepayoffclimb.com (the "Site"), our student loan calculator, educational content, premium digital products, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service (the "Terms").

If you do not agree to these Terms, you may not access or use our Services.

These Terms constitute a legally binding contract between you and The Payoff Climb ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Your continued use of the Services following any changes constitutes acceptance of those changes.

Ownership and Intellectual Property Rights

Our Content is Protected

All content made available through our Services—including but not limited to articles, blog posts, guides, toolkits, calculators, images, graphics, software code, design elements, text, videos, and compilations (the "Content")—is proprietary to The Payoff Climb.

This Content was created, developed, compiled, prepared, revised, selected, and arranged by us through the expenditure of substantial time, effort, expertise, and judgment. It is protected by United States and international copyright laws, trademark laws, and other intellectual property laws and treaties.

Our Services and Content are also protected as collective works and compilations under applicable law.

What You May Do

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services and Content solely for your personal, non-commercial purposes in accordance with these Terms.

You may:

• Use our free student loan calculator for personal financial planning
• Read our blog posts and educational articles
• Purchase and download our premium digital products for your personal use
• Share links to our publicly available content on social media

What You May Not Do

You may not use, and you may not authorize or permit any third party to use, our Services or Content in any manner that:

• Competes with or substitutes for our Services or Content
• Affects our ability to generate revenue from our Services or Content
• Involves commercial exploitation without our express written permission
• Copies, reproduces, distributes, republishes, displays, or creates derivative works from our Content
• Involves automated access through robots, spiders, scrapers, web crawlers, or similar automated tools
• Circumvents or violates any robot exclusion headers or technological measures we employ to control access
• Removes, alters, or obscures any copyright notices, trademarks, or other proprietary rights notices
• Frames or mirrors any portion of our Services without authorization
• Reverse engineers, decompiles, or disassembles any software or code underlying our Services

Violation of these restrictions may result in immediate termination of your access and potential legal action.

Premium Digital Products

Purchase and Delivery

When you purchase our premium guides, toolkits, or other digital products, you receive:

• A limited, non-exclusive, non-transferable license to access and use the purchased product for personal use only
• Delivery via email containing a secure, time-limited download link

No Refunds

All sales of digital products are final. Due to the nature of digital goods, we do not offer refunds once you have received access to download the product.

If you experience technical difficulties accessing your purchase, contact us at hello@thepayoffclimb.com and we will work to resolve the issue.

Restrictions on Use

You may not:

• Share, distribute, resell, or transfer your purchased digital products to others
• Post purchased products on file-sharing sites, forums, or public repositories
• Use purchased products for commercial purposes or as part of any service you provide to others

Educational Purpose and Disclaimer

Not Financial or Legal Advice

The information provided through our Services is for educational and informational purposes only. It does not constitute financial advice, legal advice, tax advice, or professional consulting services.

We are not financial advisors, attorneys, accountants, or loan servicers. The Content we provide should not be relied upon as a substitute for consultation with qualified professionals who can assess your specific circumstances.

No Guarantee of Results

Student loan repayment is governed by complex federal regulations, servicer practices, and individual circumstances. We provide tools and information to help you understand your options, but we cannot and do not guarantee:

• That any particular repayment strategy will be optimal for your situation
• That loan servicers will process your applications correctly or timely
• That government programs or policies will remain unchanged
• Any specific financial outcome or amount of loan forgiveness

Your Responsibility

You are solely responsible for:

• Verifying the accuracy of information with official sources
• Making your own financial decisions
• Consulting with qualified professionals before taking action
• Complying with all applicable laws and loan obligations
• Monitoring your loan accounts and communicating with your servicers

User Conduct

You agree to use our Services in compliance with all applicable laws and regulations and in a manner that does not:

• Violate any third party's rights, including intellectual property, privacy, or publicity rights
• Transmit any unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable material
• Interfere with or disrupt the integrity or performance of our Services
• Attempt to gain unauthorized access to our Services, systems, or networks
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Collect or harvest personal information about other users

Third-Party Services and Links

Our Services may contain links to third-party websites, services, or resources, including payment processors (Stripe), email service providers (ConvertKit), and government agencies.

We do not control, endorse, or assume responsibility for any third-party sites or services. Your use of third-party services is governed by their respective terms and policies. We encourage you to review those terms before providing any personal information or engaging in transactions.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PAYOFF CLIMB AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Disclaimer of Warranties

OUR SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

• OUR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
• THE CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE
• ANY DEFECTS OR ERRORS WILL BE CORRECTED
• OUR SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

Indemnification

You agree to indemnify, defend, and hold harmless The Payoff Climb and its affiliates, officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of our Services
• Your violation of these Terms
• Your violation of any third party's rights
• Your violation of any applicable laws or regulations

Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, with or without notice, and without liability.

Upon termination, your license to use our Services immediately ceases. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Missouri, United States, without regard to its conflict of law principles.

Any dispute arising out of or related to these Terms or our Services shall be resolved exclusively in the state or federal courts located in St. Louis County, Missouri. You consent to the personal jurisdiction of such courts.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Payoff Climb regarding your use of our Services and supersede all prior agreements, understandings, and communications, whether written or oral.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Us

If you have questions about these Terms of Service, please contact us:

Email: hello@thepayoffclimb.com
Website: thepayoffclimb.com