Effective Date: January 1, 2026. Last Revised: March 2026.
By accessing or utilizing the websites, tools, calculation engines, and content provided by CRDPay (“the Platform”), you agree to be legally bound by these Terms and Conditions. If you do not agree to these terms, you must refrain from using the Platform.
1. Permitted Use & Intellectual Property
CRDPay grants you a limited, non-exclusive, revocable license to access and use our calculators, converters, and articles for personal, educational, and internal analytical purposes. You may not scrape, systematically copy, reverse-engineer, mirror, or repackage platform code, tools, or styling for commercial distribution without prior written consent from CRDPay administration.
2. Informational and Educational Nature
All calculators, estimators, converters, and articles available on CRDPay are provided strictly for general educational and preliminary informational purposes. CRDPay is not a licensed financial advisory firm, certified public accounting (CPA) practice, mortgage brokerage, or legal counsel. For specific decisions, always consult certified professionals. Review our full Calculator Disclaimer.
3. Limitation of Liability
To the maximum extent permitted by applicable law, CRDPay and its engineers, authors, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages—including but not limited to financial losses, borrowing decisions, tax penalties, business interruptions, or calculation discrepancies—arising from the use or inability to use the Platform.
4. Modifications to Services & Terms
We reserve the right to modify, enhance, suspend, or discontinue any feature, calculation model, or page on CRDPay at any time without prior notice. Continued use of the platform following updates constitutes acceptance of the revised Terms and Conditions.