Financial Disclaimer
Last reviewed August 8, 2026
PDC publishes general financial education. It does not know your full situation and cannot tell you what to do.
Educational content only
Nothing on PDC is financial, investment, legal or tax advice. Content is general in nature and does not account for your income, obligations, credit profile, household or jurisdiction.
Estimates depend on your inputs
The Financial Checkup performs arithmetic on the figures you type in. If those figures are estimates, the results are estimates. A "possible monthly cash-flow increase" describes a change in what leaves your account each month; it is not interest savings and it is not a statement about total cost.
No guarantees
- No lender approval is guaranteed.
- No interest rate, fee or term is guaranteed.
- No amount of savings is guaranteed.
- Results shown in illustrations are labelled example data and are not customer results.
- The founder case study is one individual's experience, not a typical result.
Verify before you decide
Confirm balances, APRs, fees and terms with your statements and directly with any lender before making a decision. Consider speaking with a qualified professional or a reputable nonprofit credit counsellor about your specific situation.
This policy is written in plain language to describe how PDC actually operates today. It has not been reviewed by an attorney. PDC intends to obtain professional legal and privacy review before significant traffic or any collection of personal stories.