Terms of Service & Legal Disclaimer

Last Updated: October 31, 2026

IMPORTANT NOTICE: PromptPayCalc provides automated mathematical calculations and educational information regarding commercial debt recovery and prompt payment statutes. PromptPayCalc is not a law firm, does not provide legal advice, and using this website does not create an attorney-client relationship.

1. Informational & Educational Use Only

The calculations, interest rates, statutory references, and sample Letter Before Action (LBA) templates provided on PromptPayCalc are for informational and educational purposes. While rates and statutes (such as California Civil Code § 3289, New York CPLR § 5004, UK Late Payment of Commercial Debts Act 1998, and EU Directive 2011/7/EU) are regularly maintained against published official guidelines, laws vary significantly by jurisdiction, contract terms, and case law.

2. No Attorney-Client Relationship

Use of this website, including generating PDF demand letters or auditing contract clauses, does not constitute legal counsel or representation. For formal legal disputes, collections litigation, or contract negotiations, you should seek guidance from qualified legal counsel licensed in your jurisdiction.

3. Limitation of Liability

PromptPayCalc and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of the use of or inability to use this website, including but not limited to reliance on statutory interest calculations, debt collection outcomes, or contract interpretations.

4. Permitted Use

You are granted a revocable, non-exclusive license to use PromptPayCalc for personal and internal commercial business purposes. You agree not to disrupt, scrape via automated bots, reverse engineer, or misrepresent the source of this software.

5. Modifications & Governing Law

We reserve the right to modify these terms at any time. Continued use of the website following changes constitutes acceptance of the revised terms.