Terms of Service

Last updated: August 18, 2026

By accessing or using sagesaving.com (the "Site"), you agree to these Terms of Service. If you don't agree, please don't use the Site.

Use of the Site

SageSaving grants you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You agree not to misuse the Site, including attempting to gain unauthorized access to any part of it, scraping content at scale, or using it in a way that could disable, overburden, or impair it.

No professional advice

Content on SageSaving — including articles, guides, and tools like the Debt Payoff Calculator — is provided for general informational and educational purposes only. It does not constitute financial, legal, tax, or credit repair advice, and should not be relied upon as a substitute for advice from a qualified professional familiar with your specific circumstances. Your use of any information or tool on this Site is at your own risk.

No guaranteed results

References to credit score improvements, debt payoff timelines, or income potential from side hustles are illustrative and based on general information, not guarantees. Individual results depend on many factors outside our control, including your specific financial situation, lender policies, and market conditions.

Free tools

Our calculators and templates (including the Debt Payoff Calculator and Budget Spreadsheet) are provided "as is" for estimation purposes. While we aim for accuracy, we don't guarantee that calculations will be error-free or suitable for every situation, and you should verify important figures independently before making financial decisions.

Third-party links and affiliate relationships

The Site contains links to third-party websites and services, including affiliate partners in categories like credit repair, loans, and insurance. We are not responsible for the content, accuracy, products, or practices of any third-party site. Any transaction you enter into with a third party is solely between you and that party. See our Advertising Disclosure for more detail on these relationships.

Intellectual property

Unless otherwise noted, the content, design, and branding of the Site are owned by SageSaving and may not be reproduced, distributed, or used commercially without prior written permission.

Disclaimer of warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose.

Limitation of liability

To the fullest extent permitted by law, SageSaving and its operators will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or any content, tool, or third-party link on it.

Changes to these terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact us

Questions about these Terms can be sent through our contact page.