Questions about the calculators, the mini-guides, embedding a tool on your site, or a refund? Email us and we’ll get back to you, usually within 1–2 business days.
Email goes directly to Dr. James Frederick Smiling, Ph.D. — the PhD Mathematician who built the site. Not a chatbot, not a ticket queue.
The fastest way to reach us is by email. We don’t use a contact form — the inbox is monitored Monday through Friday, US Eastern Time.
Use these subject-line shortcuts to help us prioritize. Tapping any link below opens your email app with the subject pre-filled.
Got an unexpected result? Found a number that looks off? Tell us which calculator, the inputs you used, and what you expected.
Email about a calculator →Trouble downloading? Question about content? We’ll get you sorted same day in most cases.
Email about a guide →Refund requests within 30 days of purchase are honored without questions. Include the email used at checkout and the order date.
Request a refund →We have free embed codes for all five calculators. Embedding instructions are at /for-webmasters — email us if you have a special use case.
Email about embeds →Writing a debt-related article and want a quote, data, or a calculator screenshot? Happy to help — tell us your outlet and deadline.
Press & partnerships →To unsubscribe, use the link at the bottom of any email we’ve sent. To update your email address or report a delivery issue, email us directly.
Email about subscriptions →Most replies go out within 1–2 business days, Monday through Friday, US Eastern Time. Urgent purchase or refund issues are usually handled the same business day. If a week passes without a reply, please email again — occasionally Gmail or Outlook will route a message to spam on either end.
Email hello@debtclaritytools.com with the email address used at checkout and the order date. Refund requests received within 30 days of purchase are honored without questions. The refund is processed by SamCart and typically appears on your statement within 3–7 business days.
No. Debt Clarity Tools is an educational publisher, not a licensed financial advisor. The calculators and guides are designed to give you accurate math and clear information so you can either make a confident decision yourself or take that math to a qualified professional. See our Terms of Use for details.
Yes — free embed codes for all five calculators are available at debtclaritytools.com/for-webmasters. The only requirement is a visible attribution link near the calculator. No signup, no fees, no API keys.
Email hello@debtclaritytools.com with: the page URL, the device and browser you were using, and a short description of what you expected versus what you saw. A screenshot is a huge help when possible. Reports are reviewed within 1 business day and bug fixes typically ship within a week.
No. The site is editorially independent and we do not publish guest articles, sponsored posts, or paid placements. Every article is written or reviewed by Dr. James Smiling.
The About page has a full bio for Dr. James Frederick Smiling, including his PhD credential, current academic position, and the values behind Debt Clarity Tools. You can also connect on LinkedIn.