Terms of Service
Last updated: April 14, 2026
1. Acceptance of Terms
By accessing or using the MK US Debt Clock platform ("Service"), operated by Marlowe Keynes ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not access or use the Service. We reserve the right to modify these terms at any time, and your continued use of the Service constitutes acceptance of any modifications.
2. Description of Service
The MK US Debt Clock provides real-time estimates of the United States national debt, fiscal metrics, economic indicators, and related analytical tools. The data displayed is derived from publicly available government sources including the U.S. Treasury, Federal Reserve Economic Data (FRED), Bureau of Economic Analysis, and other federal agencies. Estimates between official data releases are generated using mathematical interpolation and projection models.
3. No Financial Advice
The content provided on this platform is for informational and educational purposes only. Nothing on this Service constitutes financial advice, investment recommendations, tax guidance, or an offer to buy or sell any securities. All analyses, scores, ratings, projections, and commentary — including those generated by artificial intelligence systems — are provided "as is" without warranty of accuracy, completeness, or timeliness. You should not rely on this information as the sole basis for any financial decision. Always consult a qualified financial advisor, tax professional, or legal counsel before making investment or financial decisions.
4. Data Accuracy and Limitations
While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, reliability, or completeness of any data displayed on the Service. Real-time debt figures are estimates based on interpolation between official Treasury releases and may differ from actual values. Historical data is sourced from government databases and may be subject to revision. AI-generated analyses may contain errors, hallucinations, or outdated information. We are not responsible for any errors or omissions in the data presented.
5. Intellectual Property
All content, design, code, graphics, logos, and visual elements of the Service are the property of Marlowe Keynes and are protected by applicable intellectual property laws. The underlying fiscal data is sourced from public government databases and remains in the public domain. You may not reproduce, distribute, modify, or create derivative works from our proprietary content without prior written consent. The Marlowe Keynes name, logo, and associated branding are trademarks of Marlowe Keynes.
6. Embed and Sharing Features
The Service provides embed widgets and sharing tools for non-commercial use. By using these features, you agree to display the Marlowe Keynes attribution as provided and not to modify the embedded content in any way that misrepresents the data or removes attribution. We reserve the right to revoke embed access at any time and for any reason. Commercial use of embed features requires a separate written agreement.
7. User Accounts and Authentication
Certain features of the Service may require authentication. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that violate these terms or are used for unauthorized purposes.
8. Prohibited Uses
You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to any portion of the Service; (c) interfere with or disrupt the Service or its infrastructure; (d) scrape, crawl, or harvest data from the Service through automated means without written permission; (e) use the Service to distribute malware or conduct phishing attacks; (f) impersonate any person or entity; or (g) use the Service in any manner that could damage, disable, or impair the Service.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Marlowe Keynes and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of or inability to use the Service. Our total liability for any claim arising from these terms shall not exceed the amount you paid us, if any, during the twelve months preceding the claim.
10. Indemnification
You agree to indemnify, defend, and hold harmless Marlowe Keynes and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these terms, or your violation of any rights of a third party.
11. Third-Party Services and Links
The Service may contain links to third-party websites, APIs, or services that are not owned or controlled by Marlowe Keynes. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party services. Your use of third-party services is at your own risk and subject to the terms and conditions of those services.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved exclusively in the state or federal courts located in New York County, New York.
13. Contact
If you have any questions about these Terms of Service, please contact us through the Marlowe Keynes platform at mkinvestai.com.
