Last updated: July 14, 2026
The Comfort Slider is a novelty calculator. It estimates what a purchase would cost you monthly and what salary that implies, and then it makes a joke about it. It is not financial advice, it is not an offer of credit, and its numbers are estimates — check anything that matters with your lender.
These Terms of Use (the “Terms”) are an agreement between you and EclipseCard, Inc. (“we,” “us,” “our”) governing your use of The Comfort Slider mobile application (the “App”) and this website (the “Site”). By downloading or using the App, you agree to these Terms. If you do not agree, please do not use the App.
The App is free. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App on Apple-branded devices you own or control, as permitted by the App Store Terms of Service. You may not sell, rent, sublicense, or redistribute the App, and you may not reverse engineer, decompile, or disassemble it except to the extent that applicable law expressly permits despite this limitation.
You enter a price and financing terms. The App applies a standard amortized payment formula to produce an estimated monthly payment and total interest, and it applies a debt-to-income ratio — the share of your income that payment would consume, which you choose with the comfort slider — to produce the annual salary that purchase would imply. It then displays a randomly selected humorous remark about your choice.
This is the most important section of these Terms, and we would rather you read it than skip it.
The App is provided for informational and entertainment purposes only. It is not financial, investment, lending, tax, accounting, or legal advice, and no fiduciary or advisory relationship is created by your use of it. We are not a bank, lender, credit broker, financial adviser, or financial institution, and we are not affiliated with any. The App does not offer, arrange, or advertise credit, and nothing it displays is an offer, a pre-approval, a quote, or a credit decision.
The App’s outputs are estimates. They are produced from the figures you type, using simplified and rounded models. Real financing involves things the App does not know and does not model — including your actual credit terms, lender fees, insurance, registration and closing costs, taxes beyond the sales tax you enter, variable rates, prepayment terms, and the rest of your financial life. Real numbers from a real lender will differ, sometimes substantially.
The “comfort” framing — Comfortable, Stretching, Unhinged — is a rough rule of thumb about debt-to-income ratios, not a personalized assessment of what you can afford. Whether a purchase is wise for you depends on facts the App has never seen.
Do not make a purchase, borrowing, or financial decision on the basis of this App. Talk to a qualified professional, and confirm any figure that matters with the lender who would actually be lending you the money. You are solely responsible for your financial decisions.
The App responds to your inputs with pre-written comic remarks, selected at random. They are jokes. They are not directed at you personally, they are not a judgment of your character or your finances, and they are not a recommendation to do or not do anything. If a joke lands badly, we would genuinely like to hear about it: info@eclipsecard.net.
The App collects no data. Everything you type stays on your device. Our Privacy Policy explains this in full, and it is part of these Terms.
The App, the Site, and their content — including the name, design, code, and the roasts — are owned by us and protected by intellectual property laws. These Terms grant you a licence to use the App, not any ownership of it.
To the fullest extent permitted by law, the App and the Site are provided “as is” and “as available,”without warranties of any kind, whether express, implied, or statutory — including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the App’s calculations are accurate, complete, or suitable for your circumstances, or that the App will be uninterrupted or error-free.
Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you. Nothing in these Terms limits any consumer rights you have that cannot be waived under the law of your country of residence.
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, data, or goodwill, arising out of or relating to your use of — or inability to use — the App or the Site, even if we have been advised of the possibility of such damages.
In particular, and without limiting the foregoing, we are not liable for any financial decision you make, or decline to make, in reliance on the App or anything it displays.
The App is provided free of charge. To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the App or these Terms will not exceed the greater of (a) the amount you paid us for the App, which is zero, and (b) CAD $50.
You acknowledge that these Terms are between you and us only, and not with Apple Inc. (“Apple”), and that Apple is not responsible for the App or its content. Apple has no obligation to furnish any maintenance or support for the App, and no warranty obligation whatsoever with respect to it; any claim that the App fails to conform to an applicable warranty may be directed to Apple, which will refund the purchase price (if any) — and, to the maximum extent permitted by law, Apple has no other warranty obligation regarding the App. Apple is not responsible for addressing any claim by you or a third party relating to the App, including product liability claims, claims that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or similar legislation. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
We may update the App or these Terms. If we make a material change to these Terms, we will revise the “Last updated” date and post the new version here. Continuing to use the App after a change means you accept the revised Terms; if you do not accept them, delete the App.
This licence lasts until terminated. It ends automatically if you breach these Terms, and you may end it at any time by deleting the App. Sections 4, 8, 9, 10, 11, and 14 survive termination.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it, without regard to conflict-of-laws rules, and the courts of Ontario will have exclusive jurisdiction — except that if you are a consumer, you keep the benefit of any mandatory protections and any right to bring proceedings in the courts of the country where you live.
If any provision of these Terms is held unenforceable, the rest remains in force and the unenforceable provision is limited to the minimum extent necessary. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the App.
Questions about these Terms: info@eclipsecard.net.