Last updated: October 10, 2026
Welcome to PayOffWay (payoffway.com, the “Site”). Please read this page carefully. By using the Site, you agree to the terms below. If you don’t agree, please don’t use the Site.
Who we are
PayOffWay is an independent publisher of educational content about credit card debt in the United States. The Site is operated by Alejandro Jimenez (Spanish tax ID: NIF 20227988V), Calle Almería, 8, 14546 Santaella (Córdoba), Spain. You can reach us at payoffway@gmail.com.
The content on the Site is written for readers in the United States. Laws, programs and products in other countries differ.
For information only: not financial, legal or tax advice
Everything on the Site is for general information and education. It is not financial, legal, tax, accounting, investment or credit counseling advice, and it is not a recommendation to apply for, buy or use any product or service.
We are not financial advisors, attorneys, tax professionals or credit counselors. Debt, credit and collection rules change, differ by state and depend on your situation. Before you make a decision about your debt, talk to a qualified professional, such as a licensed attorney, a tax professional or a nonprofit credit counselor.
No professional relationship
Reading the Site, using a tool on it or contacting us does not create an attorney-client, advisor-client, counselor-client or any other professional relationship between you and PayOffWay or its owner.
What we are not
PayOffWay is not a lender, credit card issuer, bank, broker, credit repair organization, debt relief or debt settlement company, or credit counseling agency. We don’t make loans, offer credit, negotiate with your creditors on your behalf or provide debt services.
Accuracy and timeliness
We try to use reliable sources, such as federal agencies, and we say when our figures were checked. But rates, fees, offers, laws and program rules change often. Some information may be out of date, incomplete or not apply to your state or situation.
Always check the details with the source, such as the card issuer, the lender, the government agency or an attorney, before you act.
Examples, calculators and estimates
The numerical examples in our articles are hypothetical. They use the assumptions stated in each article, and they show how the math works. They are not predictions, quotes or offers.
Any calculator or tool on the Site provides estimates only. Your actual results may differ, for example because card issuers calculate interest differently. A result from a tool isn’t an offer of credit or a guarantee of any outcome.
No guarantees
We don’t guarantee any result, including approval for a product, savings, a payoff date or a change in your credit score. Your results depend on your own circumstances.
Third-party information, links and trademarks
The Site includes links to third-party websites and information about products and companies, such as card issuers. We include them for convenience and information. We don’t control those sites, and we aren’t responsible for their content, products or policies. When we describe a company’s product, we rely on information it makes public as of the date we state.
Names, logos and trademarks of other companies belong to their owners. Unless we say otherwise, we aren’t affiliated with, sponsored by or endorsed by any company we mention.
Advertising
The Site displays advertising served by Google AdSense and may display ads from other advertising partners. These ads come from third parties, and their appearance isn’t an endorsement by us. We don’t use affiliate links, and we don’t accept payment from companies to be featured in our articles.
Limitation of liability
The Site is provided “as is” and “as available,” without warranties of any kind, to the fullest extent permitted by law. To the fullest extent permitted by law, PayOffWay and its owner, contributors and partners aren’t liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, the Site or its content.
You use the Site and its information at your own risk. Nothing on this page excludes any liability that can’t be excluded by law.
Intellectual property
The text, tables, images, calculator code and design of the Site are owned by Alejandro Jimenez or its licensors and are protected by copyright.
You may read the Site, print pages for your own non-commercial use and quote short excerpts with credit and a link back to the original page. You may not copy, republish, scrape, sell or distribute the content, or build a competing product from it, without our written permission.
Acceptable use
Please use the Site lawfully. Don’t try to disrupt it, gain unauthorized access, overload it with automated requests or use it in a way that harms other users.
Links to our site
You’re welcome to link to the Site. Please don’t suggest that we sponsor or endorse you or your products.
Privacy and cookies
Our Privacy Policy explains what information we collect, how we use it, and how cookies and advertising partners may be used on the Site. Please read it together with this page.
Children
The Site isn’t directed to children under 13, and we don’t knowingly collect personal information from them.
Changes to this page
We may update this page from time to time. The date at the top shows when it was last changed. If you keep using the Site after a change, you accept the updated version.
Governing law
These terms are governed by the laws of Spain, without regard to its conflict-of-law rules. Any dispute will be handled in the competent courts of Spain, unless mandatory law gives you the right to bring a claim elsewhere.
Contact
If you have questions about this page, write to us at payoffway@gmail.com.