These Terms of Use apply to access to and use of DebtData. By using the site, visitors agree to use the material lawfully and to understand the limits of a public data and statistics publication.
Informational Purpose
DebtData provides general research, statistics, tables, charts, definitions, and analysis. The content is not individualized financial, legal, tax, investment, credit, or student loan servicing advice.
No Professional Relationship
Using DebtData does not create an adviser-client, attorney-client, lender-borrower, servicer-borrower, or other professional relationship. Decisions involving a specific loan, repayment plan, tax position, investment, or legal right should be evaluated using information appropriate to the individual situation.
Accuracy and Availability
DebtData aims to use reliable sources and correct material errors, but public datasets can be revised, delayed, replaced, or published with limitations. The site does not guarantee that every value will remain current after a new source release or that access to every page will be uninterrupted.
Third-Party Sources
Reports may rely on data published by government agencies, research organizations, and other third parties. DebtData does not control those organizations, their websites, their update schedules, or changes they make to source files.
Permitted Use
Visitors may read, quote, and reference DebtData for lawful personal, educational, journalistic, and research purposes. When a DebtData page is cited, the page title, site name, date shown on the page, and URL should be retained where practical.
Automated Access
Automated access must not interfere with normal site operation, bypass technical restrictions, overload infrastructure, attempt unauthorized access, or collect information in violation of applicable law. DebtData may limit abusive or disruptive traffic.
Intellectual Property
Original DebtData writing, page design, custom graphics, analysis, and site software may be protected by applicable intellectual property laws. Public-domain government data remain subject to the rights and terms of the original source. Third-party material retains the rights of its respective owner.
Prohibited Conduct
- Attempting unauthorized access to the site or its systems.
- Introducing malicious code or interfering with site security.
- Using the site to misrepresent DebtData as a government agency, lender, servicer, or financial adviser.
- Removing source context in a way that materially misrepresents a statistic.
- Using site services for unlawful activity.
No Warranties
The site is provided on an informational basis without a guarantee that every page, dataset, calculation, or external source will be error-free, uninterrupted, or suitable for a particular personal decision.
Limitation of Liability
To the extent permitted by applicable law, DebtData is not responsible for losses arising from reliance on general statistical information as a substitute for individualized professional advice or from the unavailability or revision of third-party source data.
Changes to These Terms
These terms may be updated as the site, its services, or applicable requirements change. Continued use of the site after a revised version is posted is subject to the version then displayed.