The agreement between you and Debt Digital LLC governing use of our Site and Services.
Last Updated: [INSERT DATE] · Effective Date: [INSERT DATE]
Welcome to Debt Digital. These Terms of Service ("Terms") govern your access to and use of the website debtdigital.ai (the "Site") and all related services, content, and features provided by Debt Digital LLC ("Debt Digital," "we," "us," or "our"). By accessing or using our Site or Services, you agree to be bound by these Terms. If you do not agree, do not use our Site or Services.
Debt Digital operates a qualification and matching service that helps consumers identify potentially suitable financial solutions — including, among others, credit repair, debt relief, debt consolidation loans, credit counseling, debt validation, and bankruptcy — and may connect consumers with vetted third-party providers specializing in those solutions.
Debt Digital is not a lender, debt settlement company, credit counseling agency, credit repair organization, debt collector, or law firm. We do not provide legal, tax, credit, investment, or financial advice. We do not originate loans, negotiate with creditors on your behalf, or provide any of the underlying financial solutions we match users with. All such services are provided by independent third-party providers, subject to their own terms, fees, and disclosures.
You must be at least 18 years of age and a legal resident of the United States to use our Services. By using the Services, you represent and warrant that you meet these requirements.
Information provided on the Site, including quiz results and solution recommendations, is for informational and educational purposes only. It does not constitute legal, financial, tax, credit, investment, or accounting advice, and should not be relied upon as such. You should consult with a licensed attorney, certified financial planner, CPA, or other qualified professional before making significant financial decisions.
Quiz matches reflect general suitability based on the limited information you provide and do not guarantee that a particular solution will be appropriate, available, or successful for your specific situation.
We may connect you with independent third-party providers who offer financial solutions. Debt Digital does not endorse, control, or assume responsibility for any third-party provider's services, representations, pricing, performance, or outcomes. Your relationship with any third-party provider is solely between you and them, and is governed by their own terms, disclosures, and agreements.
Debt Digital may receive compensation from third-party providers when a user chooses to engage with them. This compensation does not influence our matching methodology. [CONFIRM WITH LEGAL COUNSEL AND ADD ANY REQUIRED DISCLOSURE LANGUAGE UNDER THE FTC ACT, CROA, TSR, OR OTHER APPLICABLE LAW.]
Individual results vary and are never guaranteed. Debt Digital makes no representations or warranties regarding:
You agree to:
All content on the Site — including text, graphics, logos, images, and software — is owned by Debt Digital or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written permission.
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. DEBT DIGITAL DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEBT DIGITAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
[INSERT JURISDICTION-SPECIFIC LIABILITY CAP LANGUAGE AS REVIEWED BY COUNSEL.]
You agree to indemnify, defend, and hold harmless Debt Digital and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorney fees) arising out of or relating to: (a) your use of the Site or Services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your engagement with any third-party provider.
[INSERT ARBITRATION CLAUSE AS DRAFTED BY COUNSEL. Arbitration provisions, class action waivers, and jury trial waivers have extensive legal requirements including specific FAA language, opt-out mechanisms in some jurisdictions, and express conspicuous disclosure. Do not publish without attorney review.]
These Terms are governed by the laws of the State of [INSERT STATE], without regard to conflict-of-laws principles. Any disputes arising from these Terms or the Services shall be resolved exclusively in the state or federal courts located in [INSERT VENUE], except where overridden by a binding arbitration agreement.
We may suspend or terminate your access to the Site or Services at any time, with or without cause, and with or without notice. Sections of these Terms that by their nature should survive termination shall survive, including Sections 4, 6, 8, 9, 10, 11, 12, 13, and this Section 14.
We may update these Terms from time to time. Material changes will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.
For questions about these Terms, contact us at:
Debt Digital LLC
Email: legal@debtdigital.ai
[INSERT MAILING ADDRESS]