Terms of Use and Privacy Policy
Last updated: 11/26/25
Welcome to learnnpt.com (the “Site”). By using this Site, you agree to the following Terms of Use and Privacy Policy. If you do not agree, please discontinue use immediately.
1. General Information
This website provides debt‑related calculators, financial estimation tools, and may include affiliate links to third‑party products or services such as credit cards.
This Site is intended for informational and educational purposes only. Your use of any information on this Site is at your own risk.
2. Not Financial Advice
- We are not financial advisors.
- We are not professionals, and no one associated with this domain is licensed to provide financial, legal, tax, or investment advice.
- Information and tools available on this Site should not be relied on as professional guidance.
- Before making any financial decisions, you should consult a licensed professional who can review your individual situation.
3. Accuracy and No Guarantees
While we aim to provide accurate tools and information:
- We do not guarantee the accuracy, completeness, or usefulness of any content on this Site.
- Debt calculators and other tools are estimates only.
- We are not responsible for actions taken based on the results of tools or information provided.
4. Affiliate Disclosure
Some links on this Site may be affiliate links, meaning:
- We may earn a commission if you click or purchase through those links.
- This comes at no additional cost to you.
- We only promote products or services we believe may be useful, but we make no guarantees regarding third‑party offerings.
You acknowledge and agree that:
- We do not control third‑party websites or services.
- We are not responsible for content, practices, or policies of any external sites.
5. Privacy Policy
5.1 Data We Collect
We may collect minimal data necessary to operate the Site, such as:
- Basic analytics (e.g., browser type, pages visited)
- Cookies for functionality or affiliate tracking
- Information voluntarily provided via forms (if applicable)
We do not knowingly store sensitive personal information such as credit card numbers, Social Security numbers, or financial account details.
5.2 How We Use Your Data
Data may be used to:
- Improve site performance and functionality
- Monitor traffic and usage trends
- Track affiliate referrals
We do not sell or rent your data.
5.3 Third‑Party Services
We may use third‑party services such as:
- Analytics providers
- Affiliate networks
These third parties may collect data according to their own policies. We have no control over how they use such data.
5.4 Cookies
Cookies may be used for:
- Basic site functionality
- Saving user preferences
- Affiliate tracking
You can disable cookies in your browser, but some features may not work properly.
6. Limitation of Liability
To the fullest extent permitted by law:
- We are not liable for any damages, losses, or consequences arising from the use of this Site.
- Your use of tools, calculators, or affiliate links is entirely at your own risk.
7. Changes to These Terms
We may update these Terms and the Privacy Policy at any time. Continued use of the Site means you accept the updated terms.
8. Contact Information
If you have questions about these Terms or the Privacy Policy, please contact: [email protected]
Thank you for using learnnpt.com!