Terms of Use
Effective date: 2026-01-24
Educational Purpose
Debt Clarity Tools provides calculators for educational and planning purposes. Results are estimates based on the information you enter.
No Financial Advice
We do not provide financial, legal, or tax advice. If you need advice for your situation, consider speaking with a qualified professional.
Estimates and Assumptions
Actual outcomes may differ because of fees, compounding method, rate changes, payment timing, lender rules, and account terms. Always confirm details with your lender.
Limitation of Liability
To the fullest extent permitted by law, Debt Clarity Tools is not responsible for any losses or damages resulting from use of this website or reliance on estimates.
Changes
We may update these terms. Continued use means you accept the current version.
Contact
Questions? Email: hello@debtclaritytools.com
Use of Digital Products and Third-Party Platforms
Debt Clarity Tools provides educational tools, calculators, worksheets, and digital downloads designed to help users understand personal finance concepts and debt repayment scenarios. These tools are offered for informational and educational purposes only.
Some content, downloads, and transactions may be delivered through third-party platforms, including but not limited to SamCart and email service providers. By accessing or purchasing any product through these platforms, you agree that these Terms of Use apply equally to all content provided by Debt Clarity Tools, regardless of where it is hosted or delivered.
Debt Clarity Tools does not provide financial, legal, or investment advice. Any calculations, projections, timelines, or examples shown are estimates only and should not be relied upon as guarantees of outcomes. You are solely responsible for your financial decisions and actions.
Results will vary based on individual circumstances, including balances, interest rates, payment behavior, and external financial factors. No guarantees or warranties are made regarding results, savings, or debt payoff timelines.
All digital products, tools, and content are provided “as is” and may be updated, modified, or discontinued at any time without notice.
User Responsibility
By using any tool, calculator, worksheet, or digital product provided by Debt Clarity Tools, you acknowledge that you are responsible for verifying information, applying judgment, and seeking professional advice when appropriate.