Terms & Conditions

1. Acceptance of These Terms

These Terms and Conditions (these "Terms") constitute a legally binding agreement between you and DebtFix, LLC ("DebtFix", the "Company", "we", "us", or "our") governing your access to and use of the website located at debtfix.com, together with its subdomains, pages, forms, tools, and content (collectively, the "Site"). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and the program disclosure appearing in the footer of the Site, each of which is incorporated into these Terms by this reference. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SITE.

These Terms govern the Site only. If you enroll in a DebtFix debt settlement program, the written enrollment agreement you sign (the "Program Agreement") governs the program, and in the event of any conflict between these Terms and a Program Agreement, the Program Agreement controls with respect to the program.

2. Changes to the Site and to These Terms

We may revise these Terms from time to time by posting the revised version on this page with a new "last updated" date. Changes apply prospectively from posting, and your continued use of the Site after a revision becomes effective constitutes your acceptance of the revised Terms. We may also modify, suspend, or discontinue any portion of the Site at any time, with or without notice, and we will not be liable to you or to any third party for doing so. It is your responsibility to review these Terms periodically.

3. Eligibility; Your Representations

The Site is intended for natural persons who are at least eighteen (18) years of age and legal residents of the United States. By using the Site, you represent and warrant that: (a) you meet those requirements; (b) all information you submit through the Site is true, accurate, current, and complete, and concerns you or a person who has authorized you to act on their behalf; (c) you will maintain the accuracy of that information; and (d) your use of the Site does not violate any applicable law, regulation, or order.

4. Nature of the Services; No Advice; No Guarantee

DebtFix provides debt settlement services. The Site provides general information about those services, tools for estimating potential savings, and means of contacting us. NOTHING ON THE SITE CONSTITUTES LEGAL, TAX, ACCOUNTING, BANKRUPTCY, FINANCIAL PLANNING, OR CREDIT-REPAIR ADVICE, AND NOTHING ON THE SITE IS A COMMITMENT TO PROVIDE SERVICES OR A GUARANTEE OF ANY OUTCOME. Estimates, examples, calculators, testimonials, and savings figures describe results the program has produced for other consumers under their circumstances; they are estimates and illustrations, not promises, and your results will vary. We do not guarantee that any debt will be reduced by any specific amount or percentage, or that any debt will be resolved within any specific period of time. The program disclosure in the footer of the Site is incorporated into and forms part of these Terms.

5. Availability; No Enrollment Through the Site

Debt settlement programs are not available in all states, and eligibility depends on your circumstances, including the nature and amount of your debts and your state of residence. Nothing you do on the Site enrolls you in a program, creates a client relationship, or obligates either party. Enrollment occurs only upon execution of a Program Agreement after a review of your situation.

6. Communications; Consent to Electronic Records

When you submit your contact information through the Site, you agree that we may contact you about your inquiry using the information you provided. You will receive autodialed or prerecorded marketing calls or marketing text messages from us only if you separately and expressly consent to them on the form where you provide your telephone number, and any such consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply to text messages. You may revoke any communications consent at any time by following the opt-out instructions in a message, by replying STOP to a text message, or by calling 888-970-9590.

By using the Site and providing an email address, you consent to receive communications from us electronically in connection with your inquiry, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. You may request paper copies of program materials, at no charge, by calling the number above.

7. License Grant; Restrictions

Subject to your compliance with these Terms, DebtFix grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Site, and to view and print pages from the Site, solely for your personal, noncommercial use. All rights not expressly granted in these Terms are reserved by DebtFix and its licensors. Except as expressly permitted, you may not reproduce, distribute, publicly display, publicly perform, modify, create derivative works from, sell, resell, frame, mirror, or otherwise commercially exploit any portion of the Site or its content without our prior written consent.

8. Intellectual Property Rights

The Site and all of its content, including text, graphics, logos, icons, images, photographs, audio, video, software, page layout, and the selection and arrangement thereof (collectively, "Content"), are the property of DebtFix, LLC or its licensors and are protected by United States and international copyright, trademark, trade dress, and other intellectual property laws. "DebtFix" and the DebtFix shield logo are marks of DebtFix, LLC. Nothing in these Terms transfers any ownership interest in the Site or the Content to you, and no use of any mark may be made without our prior written consent.

9. Submissions and Feedback

If you submit reviews, survey responses, testimonials, suggestions, or other feedback to us (collectively, "Submissions"), you retain ownership of your Submissions. By providing a Submission, you grant DebtFix a non-exclusive, royalty-free, worldwide license to use, reproduce, and display the Submission for the purposes of operating and improving our services and, in the case of review content, displaying it publicly attributed by first name only. You may withdraw permission to display a review at any time by contacting us, and we will remove it within a commercially reasonable period. You represent and warrant that your Submissions are your own, are truthful, and do not violate the rights of any third party. Do not include Social Security numbers, account numbers, or other sensitive information in any Submission.

10. Prohibited Conduct

In connection with the Site, you agree that you will not:

(a) access or use the Site for any unlawful purpose or in violation of any applicable law or regulation; (b) submit information that is false, misleading, or concerns a person who has not authorized you to act for them; (c) impersonate any person or entity or misrepresent your affiliation with any person or entity; (d) use any robot, spider, scraper, crawler, or other automated means to access, harvest, or index the Site or any content or information on it; (e) probe, scan, or test the vulnerability of the Site or any network connected to it, or breach or circumvent any security or authentication measure; (f) interfere with or disrupt the operation of the Site, or impose an unreasonable load on our infrastructure; (g) introduce any virus, worm, malware, or other harmful code; (h) frame or mirror any portion of the Site, or deep-link to any portion of the Site other than its public pages; (i) harvest or collect contact information of others from the Site; (j) use the Site to monitor its availability, performance, or functionality for competitive purposes; or (k) assist or permit any third party to do any of the foregoing. We may investigate violations and may involve and cooperate with law enforcement in prosecuting users who violate these Terms.

11. Third-Party Websites and Services

The Site may contain links to websites, content, or services owned or operated by third parties. Those links are provided for your convenience only. DebtFix does not control, endorse, or assume any responsibility for any third-party website, content, product, or service, including its accuracy or its privacy and security practices. Your dealings with any third party, including payment for and delivery of goods or services and any terms, warranties, or representations associated with such dealings, are solely between you and the third party. You agree that DebtFix shall not be responsible or liable for any loss or damage of any kind incurred as the result of any such dealings.

12. Copyright Complaints

We respect the intellectual property rights of others. If you believe in good faith that material on the Site infringes a copyright you own or control, send a notice to us using the contact information in Section 20 that includes: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the material claimed to be infringing and its location on the Site; (c) your name, address, telephone number, and email address; (d) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; (e) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and (f) your physical or electronic signature. We will review and address compliant notices promptly.

13. Disclaimer of Warranties

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, DEBTFIX DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT ANY CONTENT, ESTIMATE, OR CALCULATION IS ACCURATE, COMPLETE, OR CURRENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM DEBTFIX OR THROUGH THE SITE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME STATES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DEBTFIX, LLC OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT DEBTFIX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF DEBTFIX ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100). THE FOREGOING LIMITATIONS DO NOT LIMIT ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, AND NOTHING IN THESE TERMS LIMITS YOUR RIGHTS UNDER A SIGNED PROGRAM AGREEMENT. SOME STATES DO NOT ALLOW THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

15. Indemnification

You agree to defend, indemnify, and hold harmless DebtFix, LLC and its members, managers, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or relating to: (a) your violation of these Terms; (b) your misuse of the Site; (c) your violation of any law or of any rights of a third party in connection with your use of the Site; or (d) any Submission you provide. We reserve the right, at your expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with that defense.

16. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal resolution first. If a dispute, claim, or controversy arises out of or relates to the Site or these Terms (a "Dispute"), you and DebtFix agree to first attempt to resolve it informally: the party raising the Dispute will send the other a written notice describing it, and both parties will attempt in good faith to resolve it directly within ten (10) days of the notice, and thereafter through mediation if either party requests it.

Binding individual arbitration. Any Dispute not resolved informally shall be resolved by final and binding arbitration on an individual basis, administered by a nationally recognized arbitration organization under its consumer arbitration rules, under the Federal Arbitration Act. The arbitrator has exclusive authority to resolve any Dispute, including the scope and enforceability of this arbitration provision. Judgment on the award may be entered in any court of competent jurisdiction. Either party may, as an alternative, bring an individual claim in small claims court in your county of residence for Disputes within that court's jurisdiction.

Class action and jury waiver. YOU AND DEBTFIX EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING. EACH DISPUTE SHALL PROCEED ON AN INDIVIDUAL BASIS ONLY. If the class action waiver in this Section is found unenforceable as to a particular Dispute, then this arbitration provision shall not apply to that Dispute and it shall proceed in a court of competent jurisdiction; the waiver remains effective for all other Disputes.

Your right to opt out. You may opt out of this arbitration provision entirely by notifying us in writing within thirty (30) days of the date you first accept these Terms, using the contact information in Section 20 and stating your name, contact information, and intent to opt out of arbitration. Opting out of arbitration under these Terms does not affect any separate arbitration agreement in a Program Agreement.

Program disputes. Disputes arising out of or relating to a debt settlement program are governed by the dispute resolution terms of your signed Program Agreement, not this Section.

17. Term; Termination

These Terms are effective while you use the Site. We may suspend or terminate your access to the Site at any time, with or without cause or notice, including for any violation of these Terms. Sections that by their nature should survive termination survive, including Sections 8, 9, and 12 through 19.

18. Governing Law

These Terms and any Dispute are governed by the laws of the state in which you reside, without regard to its conflict-of-law principles, except that the Federal Arbitration Act governs Section 16. Where a Dispute proceeds in court consistent with Section 16, it shall be brought in a court of competent jurisdiction in your county of residence or as otherwise required by law.

19. Miscellaneous

These Terms, together with the Privacy Policy and the program disclosure incorporated by reference, constitute the entire agreement between you and DebtFix regarding the Site and supersede all prior or contemporaneous understandings regarding the Site. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets; you may not assign these Terms or any rights under them. No agency, partnership, joint venture, or employment relationship is created by these Terms or your use of the Site. Headings are for convenience only. You agree that any agreement formed under these Terms may be evidenced electronically.

20. Contact; Notices

Questions about these Terms, arbitration opt-out notices, copyright notices, and other legal notices may be directed to DebtFix, LLC by telephone at 888-970-9590 or through the contact page, through which we will provide a mailing address for formal written notice. We may provide notices to you by posting on the Site or by using the contact information you provided, and such notices are effective when posted or sent.