Terms of Service

Welcome to DebitEarn (“we,” “our,” or “us”). By accessing or using debitearn.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Site. If you do not agree to these Terms, you must discontinue use of the Site immediately.

2. Not Professional Advice

Nothing on this Site constitutes professional financial advice, investment advice, tax advice, legal advice, medical advice, or any other form of professional advice. The calculators, trackers, and other tools are provided as-is and may not be accurate or suitable for your specific circumstances.

You should always consult with a qualified professional before making any financial, investment, tax, legal, or medical decisions. You should not rely solely on the information provided on this Site. Your use of any information or tools on this Site is solely at your own risk.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
• Attempt to interfere with, compromise, or disrupt the Site’s functionality, security, or servers
• Use any automated means (such as bots, scrapers, or scripts) to access, collect data from, or interact with the Site in a way that could disrupt the Site’s normal operation or place an unreasonable burden on its infrastructure
• Use the Site to transmit, distribute, or store any material that is unlawful, defamatory, harassing, threatening, harmful, invasive of privacy, or otherwise objectionable
• Impersonate or attempt to impersonate DebitEarn, a DebitEarn representative, or any other person or entity
• Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site

4. Intellectual Property

All content, features, and functionality on the Site — including but not limited to text, graphics, logos, icons, images, software, code, tools, games, calculators, and the design and arrangement thereof — are owned by DebitEarn or its respective licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. All rights not expressly granted herein are reserved.

Third-party assets used on the Site — such as Font Awesome icons (used under the SIL Open Font License and MIT License) and any other open-source or licensed components — remain the property of their respective owners and are used in accordance with their applicable licenses.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site for commercial purposes without our prior written consent. You may, however, use the Site’s tools and features for your personal use, as intended.

5. DMCA Copyright Infringement Notice

We respect the intellectual property rights of others. If you believe that any material on the Site infringes your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by contacting us through our Contact page at debitearn.com/contact. Your notice must include the following:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing, and information reasonably sufficient to permit us to locate the material on the Site
• Your contact information, including your name, address, telephone number, and email address
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner

DMCA notices may be sent through our Contact page at debitearn.com/contact. Upon receipt of a valid DMCA notice, we will promptly remove or disable access to the allegedly infringing material and notify the alleged infringer.

6. Third-Party Links and Services

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by DebitEarn. These links are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Some links on the Site may be affiliate or referral links. When clearly disclosed as such, we may receive a commission or other compensation if you make a purchase or complete an action through these links, at no additional cost to you. This does not affect our editorial content or recommendations. We encourage you to review the terms and privacy policies of any third-party sites you visit.

7. Website Content

All content, calculators, trackers, tools, and games on the Site are provided for informational purposes. Games are provided solely for entertainment purposes. DebitEarn makes no guarantees regarding the accuracy, completeness, availability, performance, or continued availability of any content or feature. We reserve the right to add, modify, or remove content at any time without notice. They are browser-based experiences that do not involve real-money gambling, wagering, or prizes of monetary value. No downloads, accounts, or purchases are required to use any Site content at this time. We reserve the right to add, modify, or remove content from the Site at any time without notice.

You must be at least thirteen (13) years of age, or the minimum age required to use online services in your jurisdiction, to use the Site. If you are under the age of eighteen (18), you represent that you are using the Site with the permission and supervision of a parent or legal guardian. By using the Site, you represent and warrant that you meet these eligibility requirements. We reserve the right to suspend, restrict, or terminate your access to all or any part of the Site, with or without notice, if we reasonably believe that you have violated these Terms, engaged in unlawful or abusive conduct, attempted to interfere with the operation or security of the Site, or if such action is necessary to protect the Site, its users, or our legal rights. We may also discontinue or modify any part of the Site, including any content, tools, calculators, trackers, or games, at any time and without liability. Upon termination of your right to use the Site, any provisions of these Terms that by their nature should survive termination shall remain in effect, including, without limitation, the Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Governing Law, and Severability sections.

8. Disclaimer of Warranties

The Site and all content, tools, calculators, games, and services provided through it are provided on an “AS IS” and “AS AVAILABLE” basis without any representations or warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, DebitEarn disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and title.

Without limiting the foregoing, DebitEarn does not warrant that:

• The Site will function uninterrupted, secure, error-free, or be available at all times
• Any errors, bugs, or defects in the Site will be corrected
• The Site or its servers are free of viruses or other harmful components
• The results obtained from using any calculators, tools, or trackers on the Site will be accurate, complete, or reliable
• Any content, tools, or features will be permanently available or maintained

Your use of the Site is at your sole risk. You are solely responsible for any decisions or actions you take based on the information or results provided by the Site, and you agree that DebitEarn is not liable for any such decisions or their consequences.

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall DebitEarn, its owner(s), operator(s), affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages — including but not limited to damages for loss of profits, revenue, goodwill, use, data, or other intangible losses — arising out of or in connection with your use of the Site or any content, tools, games, calculators, or services provided, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, even if DebitEarn has been advised of the possibility of such damages.

In no event shall DebitEarn’s total aggregate liability to you for all claims arising out of or relating to these Terms or your use of the Site exceed the greater of one hundred U.S. dollars ($100.00) or the amount you have paid to DebitEarn in the twelve (12) months preceding the claim, if any.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above limitations may not apply, and you may have additional rights.

10. Indemnification

You agree to defend, indemnify, and hold harmless DebitEarn, its owners, operators, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site, including but not limited to any use of the Site’s content, tools, services, or products other than as expressly authorized in these Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Maryland. You consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

12. Changes to These Terms

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 on the Site before the new terms take effect. What constitutes a material change will be determined at our sole discretion. The “Last updated” date at the top of this page will reflect the most recent changes.

By continuing to access or use the Site after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Site.

13. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to reflect the parties’ original intention as closely as possible, and the remaining provisions of these Terms shall remain in full force and effect. The failure of DebitEarn to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and DebitEarn regarding your use of the Site and supersede all prior and contemporaneous agreements, proposals, or representations, whether written or oral, concerning the Site.

15. Contact Information

If you have any questions about these Terms, please contact us through our Contact page at: debitearn.com/contact