Terms and Disclaimer
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Welcome to RateReaper™
By using this website, you agree to the terms and disclaimer below. If you do not agree, please do not use the website.
Educational Use Only
RateReaper™ provides free educational calculators and general informational content. The calculators are designed to estimate possible payoff timelines, interest costs, and savings scenarios based on user-entered information.
The information on this website is not financial, legal, tax, credit, lending, debt settlement, investment, or professional advice.
No Professional Relationship
Use of RateReaper™ does not create a financial advisor-client, attorney-client, tax advisor-client, lender-borrower, credit counselor-client, or any other professional relationship.
You should consult a qualified professional before making major financial, legal, tax, credit, or debt-related decisions.
Calculator Estimates
Calculator results are estimates only. Actual results may vary based on factors including, but not limited to:
Fees
Changing interest rates
Daily interest calculations
Promotional rates
Late payments
Missed payments
New purchases
Lender rules
Minimum payment changes
Balance transfer fees
Account-specific terms
RateReaper™ does not guarantee that any calculator result will match your lender statement, credit card statement, loan documents, or actual payoff date.
No Guarantee of Results
RateReaper™ does not guarantee debt reduction, credit improvement, loan approval, interest savings, financial success, or any specific result.
Any action you take based on information from RateReaper™ is your responsibility.
Third-Party Links and Offers
RateReaper™ may link to third-party websites, services, tools, advertisers, affiliate partners, or sponsored offers.
Third-party websites are not controlled by BurnBills. We are not responsible for third-party content, terms, privacy policies, products, services, claims, or actions.
Before using any third-party product or service, review its terms, fees, privacy policy, and disclosures.
Advertising and Affiliate Revenue
RateReaper™ may earn revenue from display ads, affiliate links, partner links, sponsored content, or referral relationships.
This revenue helps keep the calculators free to use. Compensation may influence where links or offers appear, but it does not change the site’s educational purpose.
No Sensitive Information
Do not enter private account numbers, Social Security numbers, bank login details, credit card numbers, or other sensitive personal information into BurnBills calculators or contact forms.
User Responsibility
You are responsible for verifying information before making decisions. Always review your lender statements, account terms, cardholder agreements, loan documents, and official communications.
Website Availability
RateReaper™ may update, change, remove, or discontinue any content, calculator, feature, or page at any time without notice.
Limitation of Liability
To the fullest extent permitted by law, RateReaper™ and its owners, operators, contributors, and affiliates are not liable for losses, damages, claims, or expenses arising from use of the website, calculator results, third-party links, advertising, or user decisions.
Contact
For questions about these terms, contact RateReaper™ through the Contact page.
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