Terms of Service
1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of principalsafe.com (the "Site"), owned and operated by Puneet K. ("PrincipalSafe", "we", "us", or "our"). By accessing or using the Site and its calculation tools, you agree to be bound by these Terms. If you do not agree, do not use the Site.
2. Description of Service
PrincipalSafe provides free, browser-based financial calculators designed to model debt amortization schedules, repayment timelines, and interest estimates under strategies such as the Debt Snowball and Debt Avalanche. All calculations execute locally within your client browser. We do not require user accounts, do not store or transmit your debt figures to any server, and do not charge fees for tool usage.
3. Informational Nature & No Financial Advice
The calculations, projections, and estimates provided by PrincipalSafe are for informational and educational purposes only and do not constitute financial, investment, accounting, tax, or legal advice. PrincipalSafe is not an investment advisor, credit repair organization, lender, broker, or financial institution. Actual repayment schedules, interest charges, and loan terms depend on your specific agreements with lenders, card issuers, fluctuating interest rates, and applicable fees. You should consult a licensed financial advisor or certified credit counselor before making significant financial commitments.
4. Mathematical Estimates & Assumptions
While we strive for mathematical precision in our calculation algorithms, PrincipalSafe does not warrant that calculations will be error-free or reflect exact lender accounting. Creditors may employ varying calendar day-count conventions, daily compounding methods, introductory APR terms, or administrative fees that differ from standard amortization formulas.
5. User Responsibility
You are solely responsible for the accuracy of all values you enter into our tools and for any financial decisions or actions you take based on calculation outputs. PrincipalSafe assumes no responsibility or liability for any financial losses, penalties, interest charges, or adverse credit outcomes resulting from your use of the Site.
6. Intellectual Property & Acceptable Use
The design, layout, visual styling, code, and calculation implementations of PrincipalSafe are the intellectual property of Puneet K. and are protected by applicable copyright and intellectual property laws. You are granted a non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You agree not to scrape, reverse engineer, frame, mirror, or systematically harvest data from the Site without prior written authorization.
7. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall PrincipalSafe or Puneet K. be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your access to, use of, or inability to use the Site or any calculation tools.
8. Modifications to Terms
We reserve the right to modify or update these Terms at any time. Any revisions will be published on this page with an updated "Last updated" date. Your continued use of the Site following any posted modifications indicates your acceptance of the revised Terms.
9. Contact Information
If you have questions regarding these Terms of Service, please contact us at:
contact@principalsafe.com
143 Gurjit Nagar, Garha Road, Jalandhar, India