Important Disclosures

Last Updated: [INSERT DATE]

Who We Are

Debt Digital LLC is a Delaware limited liability company [CONFIRM STATE OF FORMATION] operating the website debtdigital.ai. We provide a free qualification and matching service that helps consumers identify financial solutions that may fit their situation and, when requested, connects them with independent third-party providers.

What We Are Not

Debt Digital is not:

• A lender or loan originator
• A debt settlement or debt relief company
• A credit counseling agency
• A credit repair organization
• A debt collector
• A law firm or attorney referral service [CONFIRM WITH COUNSEL — RULES VARY BY STATE]
• A tax, accounting, or financial planning firm

We do not provide any of the underlying financial solutions we match users with. All such services are provided by independent third parties subject to their own terms, fees, qualifications, and regulatory disclosures.

How We Get Paid

Debt Digital's Services are free to you, the consumer. We receive compensation from third-party providers when a user we have connected them with chooses to engage their services. This compensation may take the form of a referral fee, lead fee, or performance-based fee. [CUSTOMIZE WITH SPECIFIC DISCLOSURE LANGUAGE AS REVIEWED BY COUNSEL.]

We do not charge you any fee, and no fee you pay to any third-party provider is increased because of our involvement. [CONFIRM ACCURACY OF THIS STATEMENT AGAINST ACTUAL PARTNER AGREEMENTS.]

Our Matching Methodology

Our qualification quiz routes users toward solutions based on quiz responses, general suitability criteria, and the availability of partner providers serving the user's state of residence. We do not guarantee that any matched solution is the optimal solution for a given user, nor do we guarantee that a user will qualify for, or benefit from, any recommended solution.

Users are encouraged to independently research all solutions and consult with licensed professionals (attorneys, CPAs, certified financial planners) before enrolling in any program or taking out any loan.

General Disclosures About Financial Solutions

Debt Relief / Debt Settlement

Debt settlement programs typically negotiate with creditors to settle unsecured debts for less than the full balance owed. Important facts consumers should understand:

• Programs generally require you to stop paying your creditors and instead deposit funds into a dedicated settlement account. This approach may negatively affect your credit score and may result in creditor collection activity, including potential lawsuits.
• Fees for debt settlement services typically range from 15% to 25% of enrolled debt and are generally performance-based under the FTC Telemarketing Sales Rule.
• Debt forgiveness exceeding $600 is generally reported to the IRS as taxable income on Form 1099-C and may create a tax liability.
• Not all debts can be settled. Creditors are not required to negotiate.
• Results vary. The total cost of the program (including fees and potential tax consequences) may exceed the cost of paying the debt in full under certain circumstances.

Credit Repair

Credit repair services dispute items on credit reports under the Fair Credit Reporting Act. Important facts:

• Consumers have the legal right to dispute inaccurate credit report items for free on their own by contacting the credit bureaus directly. Credit repair organizations cannot perform any service you cannot perform yourself.
• Credit repair organizations cannot legally guarantee removal of accurate, verifiable information from your credit report.
• Under the Credit Repair Organizations Act (CROA), you have the right to sue a credit repair organization that violates the CROA, the right to cancel your contract without penalty within three business days, and the right to a written contract detailing all services and fees.

Debt Consolidation Loans

• Loans are offered by independent lenders subject to credit approval. Not all applicants will qualify, and approval and pricing depend on creditworthiness and other factors.
• Consolidation loans do not reduce the total principal debt owed. They may reduce the interest rate, monthly payment amount, or both, depending on loan terms.
• Extending the loan term may reduce monthly payments but increase total interest paid over the life of the loan.

Credit Counseling / Debt Management Plans

• Debt Management Plans typically run three to five years and generally require closing enrolled credit accounts.
• Enrolled accounts are paid in full over the course of the plan. DMPs do not reduce principal debt, only interest rates and fees (where creditors agree).
• Fees vary by agency and may be reduced or waived based on income. Look for nonprofit agencies accredited by the NFCC or FCAA.

Debt Validation

• Under the Fair Debt Collection Practices Act, you have the right to request validation of a debt from a collector within 30 days of initial contact, regardless of whether you use any paid service to do so.
• Debt validation does not eliminate legitimate, verifiable debts. It requires collectors to document the debt's validity.

Bankruptcy

• Bankruptcy is a federal legal process governed by the U.S. Bankruptcy Code and requires representation or guidance from a licensed bankruptcy attorney in most circumstances.
• Chapter 7 bankruptcy remains on a consumer's credit report for up to 10 years; Chapter 13 remains for up to 7 years. Bankruptcy has significant long-term credit, tax, employment, and property implications.
• Not all debts are dischargeable. Federal student loans, recent tax obligations, child support, and alimony are generally not eliminated in bankruptcy.
• Federal law requires credit counseling from an approved agency before filing for bankruptcy.

Results and Outcomes

Individual results vary and are never guaranteed. Testimonials or examples presented on this Site reflect individual experiences and should not be considered typical or predictive of the results any particular consumer may achieve. Past performance of any third-party provider is not indicative of future outcomes. No statement on this Site should be construed as a promise or guarantee of debt reduction, debt elimination, credit score improvement, or any other specific result.

No Legal, Tax, or Financial Advice

Information on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes legal, tax, credit, investment, or financial advice. Always consult with a licensed attorney, CPA, or certified financial professional before making significant financial decisions, particularly regarding bankruptcy, tax consequences of debt forgiveness, or large loan obligations.

Communications Consent

[INSERT TCPA / CAN-SPAM / STATE-LAW-COMPLIANT CONSENT DISCLOSURES FOR EMAIL, SMS, AND PHONE COMMUNICATIONS. This section requires careful drafting to comply with FCC TCPA rules and applicable state laws including but not limited to Florida, Oklahoma, and Washington mini-TCPA statutes.]

State-Specific Disclosures

[INSERT STATE-SPECIFIC DISCLOSURES AS REQUIRED BY LAW. Some states (including California, Colorado, Connecticut, Virginia, and Utah) have additional consumer notice requirements. Debt adjuster and loan broker laws vary significantly by state and may affect what can be advertised or offered to residents of a given state.]

Contact

Questions about these disclosures or our Services?

Debt Digital LLC
Email: legal@debtdigital.ai
[INSERT MAILING ADDRESS]