Terms of use

Effective November 12, 2026. OpVitals for Manufacturers and Job Shops is owned and operated by Lake Hart Associates Inc., Okeechobee, Florida ("we").

1. What this is

The Debt Payoff Planner and the free Debt Payoff Calculator are educational tools. They turn the figures you enter into estimates of payoff dates and interest.

2. Not advice

We are not your lawyer, accountant or financial adviser, and nothing here is financial, tax or legal advice. Lenders may compute interest and fees differently from the tools, and rates and balances change. Check your plan with your lender and your own advisers before acting on it.

3. Your figures

You are responsible for the accuracy of what you enter. Results are only as good as those figures.

4. Use of the site

Do not misuse the site: no automated scraping, attempts to break or overload it, or use of the forms to send spam.

5. No warranty, limited liability

The tools are provided "as is". To the extent the law allows, we are not liable for decisions you make using them or for any loss arising from their use.

6. Changes

We may change the tools or these terms. The effective date above shows the latest version. Questions: hello@opvitals.solutions.

7. Trademarks

Intuit and QuickBooks are registered trademarks of Intuit Inc. Used with permission.