Terms of Use

Last updated: February 6th, 2025

These Website Terms of Use (including any document incorporated by reference herein) for Everyday Debt and any of its subsidiaries and affiliates (“Everyday Debt”) govern all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide to you.

PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.

Eligibility; Privacy
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITES, YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.

Some of the products and services offered through the websites may be subject to additional terms and conditions, including those provided by third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference. However, in the case of any inconsistency between these Terms of Use and any other document incorporated by reference herein, these Terms of Use shall control.

Everyday Debt is committed to protecting the privacy of those who visit our websites and access the products and services available therein. Everyday Debt’s Privacy Policy is hereby incorporated herein by reference.

Products and Services
Certain websites function as an online marketplace where visitors can research and submit requests for debt resolution services, as well as explore other financial products and services. You understand and agree that if you submit a request for a product, service, or further information through any of the websites, Everyday Debt may share your information as necessary to match you with selected providers of the products or services you request.

By submitting your contact information to us, you expressly consent to be contacted by Everyday Debt or one or more providers of products and services via telephone, email, or postal mail, even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of any specific institution.

Modification of These Terms of Use
Everyday Debt reserves the right to change, modify, add, or remove portions of these Terms of Use at any time by posting amended Terms of Use. Please check these Terms of Use periodically for changes. Your continued use of any of the websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Use will be effective immediately and without further notice.

License Grants
Subject to your compliance with these Terms of Use, Everyday Debt hereby grants you a personal, limited, non-exclusive, non-transferable, revocable license to use the websites for purposes of accessing information and contacting providers of the products and services contained therein.

Everyday Debt expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.

By using the websites, you grant Everyday Debt a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify, and otherwise use your personal and other information, subject to the restrictions set forth herein (including Everyday Debt’s Privacy Policy).

Prohibited Conduct
By using the websites, you agree not to:

• Use the websites for any purpose other than to access information and contact providers of the products and services advertised therein;
• Submit, transmit, or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or otherwise objectionable;
• Attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the websites;
• Take any action that imposes, in our sole discretion, an unreasonable or disproportionately large load on our infrastructure;
• Use any robot, spider, scraper, or other automated system to access the websites;
• Impersonate another person or misrepresent your affiliation with a person or entity, conduct fraud, or hide or attempt to hide your identity; or
• Submit, upload, post, email, transmit, or otherwise make available any information or content that you do not have the right to make available under any law or under contractual or fiduciary relationships.

Ownership & Proprietary Rights
The websites are owned and operated by Everyday Debt. All content displayed on the websites, including visual interfaces, graphics, designs, information, computer code (source or object code), software, and other elements, is protected by United States copyright, trade dress, patent, and trade/service mark laws, international conventions, and other relevant intellectual property and proprietary rights laws. Except as otherwise specified, all content on the websites is the property of Everyday Debt and/or its third-party licensors…. Except as expressly authorized by Everyday Debt, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of such content.

Links to Third-Party Sites; Dealings with Third Parties
The websites may include links or references to other websites owned or operated by third parties with which Everyday Debt may have a relationship. Everyday Debt has no control over such third-party websites and is not responsible for their availability, content, advertising, or any products or services available from such third parties. Your correspondence or business dealings with third parties are solely between you and the third party.

Everyday Debt does not make credit decisions, recommend, endorse, warrant, or guarantee the products or services of any third party, and is not a party to any discussions or agreements you may have with third parties. Everyday Debt does not charge any fee to use the websites.

Termination; Exclusive Remedy
Everyday Debt may, at any time and in its sole discretion, terminate your use of the websites or discontinue providing access to one or more websites, with or without prior notice. Everyday Debt will not be liable to you or any third party for any such termination. Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities.

Your sole and exclusive remedy for dissatisfaction with (i) the websites, (ii) any term or condition of these Terms of Use, or (iii) any policy or practice of Everyday Debt is to terminate your access to and discontinue use of the websites.

Indemnification
You agree to indemnify, defend, and hold Everyday Debt and its contractors, employees, agents, and third-party suppliers and business partners harmless from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use or misuse of the websites, any violation of these Terms of Use, or any breach of your representations, warranties, or covenants herein. Everyday Debt reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with Everyday Debt’s defense of such claims.

No Warranty; Disclaimers
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, EVERYDAY DEBT AND ITS THIRD-PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS, OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM EVERYDAY DEBT OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS.

By subscribing to Everyday Debt’s SMS program, you agree to receive recurring automated marketing messages at the phone number provided. Consent is not a condition of purchase. Message frequency may vary. Message and data rates may apply. Reply HELP for help or STOP to unsubscribe. Supported carriers include AT&T, T-Mobile, Verizon, and others. Carriers are not liable for delayed or undelivered messages. View our Privacy Policy for more information.

By using Everyday Debt’s websites, you acknowledge and agree to these Terms of Use. If you have any questions, please contact us.