Terms and Conditions
Effective date: October 10, 2024
Welcome to Consumer Debt Agency. These Terms and Conditions (“Terms”) govern your use of consumerdebtagency.com (the “Website”). The Website is operated by [legal business name] (“Consumer Debt Agency,” “we,” “us,” or “our”).
By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Information on the Website
The Website provides general information about debt relief and an opportunity to request information about available options. Its content is for informational purposes and is not legal, tax, or financial advice. Your circumstances may differ from the examples or general information shown on the Website.
Submitting a form or speaking with us does not enroll you in a debt relief program or obligate you to purchase a service. Any services offered to you will be explained in separate documents before you decide whether to enroll.
2. Debt relief results and risks
Debt relief may not be suitable for everyone. We do not guarantee that you will qualify for a program, that a creditor will agree to a settlement, or that you will save a particular amount or resolve your debts within a particular time.
Depending on the option you choose and your circumstances, missed payments may damage your credit, lead to collection activity or lawsuits, and result in additional interest or fees. Forgiven debt may have tax consequences. Review the terms and potential effects of any proposed program before enrolling, and consult an independent professional if you need advice about your situation.
3. Information you provide
When you submit information through the Website, you agree to provide information that is accurate to the best of your knowledge. You also represent that you are at least 18 years old and are authorized to provide the contact information you submit.
We may use the information you provide to respond to your inquiry, evaluate available options, and communicate with you as described in our Privacy Policy. If we share your information with a separate service provider, that sharing will be described in our Privacy Policy and any applicable form disclosure.
4. Calls and text messages
You may choose whether to provide the separate consent requested by a call or text message checkbox on the Website. Checking that box is not required to purchase a service. The wording displayed with the checkbox describes the communications you agree to receive.
You can ask us to stop calling you by contacting us at [contact email or phone number]. You can opt out of text messages by replying STOP to a message. Reply HELP for text message assistance. Message and data rates may apply.
5. Privacy
Our collection, use, and sharing of personal information are described in our Privacy Policy. Please review it before submitting personal information.
6. Acceptable use
You agree not to interfere with the Website, attempt to gain unauthorized access to it, submit false or misleading information, use it for unlawful purposes, or copy or use its content for commercial purposes without our written permission.
7. Website content and third-party links
The text, design, graphics, and other content on the Website belong to Consumer Debt Agency or their respective owners and are protected by applicable intellectual property laws.
The Website may link to third-party websites. We do not control those websites and are not responsible for their content, availability, or privacy practices. Review their terms and policies before using them.
8. Website availability
We may update, suspend, or discontinue any part of the Website at any time. We work to keep the information accurate and the Website available, but cannot promise that it will always be complete, current, uninterrupted, or error-free.
9. Limits on liability
To the extent permitted by applicable law, Consumer Debt Agency is not responsible for losses caused by interruptions, errors, or unauthorized access affecting the Website, or by your reliance on general Website content without considering your individual circumstances. Nothing in these Terms limits rights or remedies that cannot legally be limited.
10. Changes to these Terms
We may update these Terms by posting a revised version on the Website with a new effective date. Your continued use of the Website after the revised Terms take effect means you accept them.