Terms of Website Use

TERMS OF USE AGREEMENT

You are visiting a website owned by PrivateDebtRelief.com. By using this website, you are entering into a legal agreement to abide by the terms of use you see here, and you are agreeing that you have read and fully understand these terms of website use.

THESE TERMS OF WEBSITE USE CONTAIN A MANDATORY ARBITRATION PROVISION THAT REQUIRES YOU TO ARBITRATE INDIVIDUALLY ANY DISPUTES OR CLAIMS YOU MAY HAVE WITH US AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR MULTI-PARTY ARBITRATION.

This Terms of Use Agreement (“Agreement”) applies to the websites operated by PrivateDebtRelief.com and any of its affiliates and subsidiaries (“Websites” or each individually “Website”) on which this Agreement is displayed. This Agreement also applies to your use of any services offered through the Websites (“Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.

  • “PrivateDebtRelief.com”, “us” or “we” includes PrivateDebtRelief.com and any of its affiliates or subsidiaries.
  • For purposes of this Agreement, “you” or “your” means the person(s) using the Websites and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or the Services
  • “Third-Party Service Third-Party Service Provider(s)” includes, but may not be limited to, the banks, lenders, financial institutions, insurers, service Third-Party Service Providers, dealers, agents, brokers and other entities offering products and services through PrivateDebtRelief.com’s Websites.
  • “Loan” includes, but may not be limited to, any of the debt consolidation, credit counseling, and other credit and related financial products and services which you inquire about by using the PrivateDebtRelief.com websites.
  • “Form” refers to your request to obtain products or services from any of the Third-Party Service Providers with which you may be connected to through PrivateDebtRelief.com’s Websites.

We reserve the right, at our sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such changes upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites are intended for individuals who are at least 18 years of age and are accessing the internet from a physical location within the United States of America.

All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces and computer code, including but not limited to the design, coordination, “look and feel” and arrangement of elements contained on the Websites (collectively “Content”) is owned or licensed by or to PrivateDebtRelief.com. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without PrivateDebtRelief.com’s prior written permission. Nothing on the Websites should be construed as granting any license or right to use any Content.

Disclaimers and Liability

THE WEBSITES, CONTENT AND SERVICES ARE PROVIDED FOR USE “AS IS” WITHOUT WARRANTY OF ANY KIND. PRIVATEDEBTRELIEF.COM DOES NOT WARRANT THAT THE WEBSITES, CONTENT OR SERVICES WILL BE ACCURATE, ERROR-FREE OR UNINTERRUPTED. PRIVATEDEBTRELIEF.COM DOES NOT WARRANT THAT THE WEBSITES, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, PRIVATEDEBTRELIEF.COM DISCLAIMS ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY EXPRESS OR IMPLIED WARRANTY, (A) THAT ANY CODE, FORMS, SERVICES OR INFORMATION AVAILABLE FROM OR THROUGH THE WEBSITE, OR THE WEBSITE ITSELF WILL BE MERCHANTABLE OR FIT FOR A PARTICULAR PURPOSE, (B) THAT ANY CODE, FORMS, SERVICES OR INFORMATION AVAILABLE FROM OR THROUGH THE WEBSITE, OR THE WEBSITE ITSELF WILL BE UNINTERRUPTED OR ERROR-FREE, (C) THAT DEFECTS WILL BE CORRECTED, (D) THAT THERE ARE NO VIRUSES OR OTHER HARMFUL COMPONENTS, (E) THAT THE SECURITY METHODS EMPLOYED WILL BE SUFFICIENT, (F) REGARDING CORRECTNESS, ACCURACY, OR RELIABILITY, OR (G) AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE CODE, FORMS OR INFORMATION, OR AGAINST INFRINGEMENT. ALL ‘INFORMATION’ AND ‘CODE’ AND ‘FORMS’ AND ‘SERVICES’ PROVIDED IN THE COURSE OF THIS AGREEMENT ARE PROVIDED WITH ALL FAULTS, AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT IS WITH YOU AS THE USER.

WE AND OUR AFFILIATED PARTIES DISCLAIM ANY AND ALL LIABILITY WHATSOEVER ARISING OUT OF YOUR USE OF ANY INFORMATION OR OTHER CONTENT AVAILABLE FROM OR THROUGH THE WEBSITE, OR THE WEBSITE ITSELF. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR AFFILIATED PARTIES SHALL NOT BE LIABLE FOR ANY COMPENSATORY, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, PRODUCT LIABILITY OR OTHERWISE; NOR FOR ANY THIRD-PARTY CLAIMS OF ANY NATURE, EVEN IF PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THE INFORMATION AND OTHER CONTENT AVAILABLE FROM OR THROUGH THE WEBSITE, AND THE WEBSITE ITSELF, WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, WHICH YOU MAY OBTAIN FROM US OR FROM OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPLICITLY STATED IN THIS AGREEMENT.

UNDER NO CIRCUMSTANCES WILL PRIVATEDEBTRELIEF.COM BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR OTHER ITEMS LOCATED ON THE WEBSITES. PRIVATEDEBTRELIEF.COM DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.

Errors and Delays

You agree that PrivateDebtRelief.com is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.

Indemnity

You agree to indemnify, defend and hold harmless PrivateDebtRelief.com and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, subsidiaries and affiliates (“PrivateDebtRelief.com Parties”), from and against any and all claims, losses, liabilities, expenses (including attorneys’ fees and costs) and damages arising out of or relating to your use of the Websites or Services, your violation of any third-party right or law, or your violation or alleged violation of this Agreement. You must not settle any such claim or matter without the prior written consent of PrivateDebtRelief.com. The PrivateDebtRelief.com Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

Limitation on Damages

PRIVATEDEBTRELIEF.COM’S LIABILITY, IF ANY, SHALL BE LIMITED TO DIRECT AND FORESEEABLE DAMAGES, WHICH SHALL NOT EXCEED THE AMOUNT PROVIDED BELOW. UNDER NO CIRCUMSTANCES SHALL PRIVATEDEBTRELIEF.COM BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE OR EXEMPLARY DAMAGES SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS, LOSS OF OR DAMAGE TO DATA, OR EMOTIONAL DISTRESS NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL PRIVATEDEBTRELIEF.COM’S TOTAL LIABILITY EXCEED U.S. $100.00. THESE LIMITATIONS AND EXCLUSIONS APPLY EVEN IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS RELATED TO THIS AGREEMENT OR TO THE SERVICES.

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Websites, you agree that We are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

Mandatory Arbitration and Dispute Resolution, Governing Law, Waivers and Limitations

YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THE WEBSITES, CONTENT OR SERVICES (“DISPUTE”), SHALL BE FINALLY AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL MANDATORY ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN LAS VEGAS, NEVADA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY DISPUTE WILL BE GOVERNED BY THE LAWS OF THE STATE OF NEVADA WITHOUT REGARD TO ANY CONFLICTS OF LAWS PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN CLARK COUNTY, NEVADA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.

You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.

You agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

You also agree that any dispute or cause of action arising out of or related to the Websites, Services or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or, (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.

This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and PrivateDebtRelief.com and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.

Financial Education Content

We may provide content and tools on our Websites that allow you to enhance your financial education and learn how certain financial decisions could impact your financial well-being. We provide these materials for informational, educational, and entertainment purposes only, and at no time are we providing legal, financial, investment, tax planning, or medical advice. You may see offers on these Websites from companies that compensate us. This compensation may impact the location and order in which these offers appear. Our Websites do not include the entire universe of available debt consolidation, credit or financial offers.

Ratings & Reviews / User-Generated Content

On certain PrivateDebtRelief.com Websites, you may be able to submit user generated content. By submitting any content on these Websites or through any social media channel associated with PrivateDebtRelief.com, you represent and warrant that:

  • you are the sole author and owner of the intellectual property rights thereto;
  • all “moral rights” that you may have in such content have been voluntarily waived by you;
  • all content that you post is accurate;
  • you are at least 18 years old; and
  • use of the content you supply does not violate this Agreement and will not cause injury to any person or entity.

You further agree and warrant that you shall not submit any content:

  • that is known by you to be false, inaccurate or misleading;
  • that infringes any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
  • that violates any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);
  • that is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;
  • for which you were compensated or granted any consideration by any third party;
  • that includes any information that references other websites, addresses, email addresses, contact information or phone numbers; or
  • that contains any computer viruses, worms or other potentially damaging computer programs or files.

You agree to indemnify and hold PrivateDebtRelief.com (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service Third-Party Service Providers), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown including reasonable attorneys’ fees, arising out of a breach of your representations and warranties set forth above, this Agreement, or your violation of any law or the rights of a third party.

For any content that you submit on the Websites, Facebook, Twitter or any similar PrivateDebtRelief.com-affiliated social media property, you grant PrivateDebtRelief.com a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.

All content that you submit may be used at our sole discretion. We reserve the right to change, condense or delete any content on any website or social media property that we deem, in our sole discretion, to violate the content guidelines or any other provision of these Terms of Use. We do not guarantee that you will have any recourse to edit or delete any content you have submitted. For the ratings and reviews service, ratings and written comments are generally posted within two to four business days. We reserve the right to remove or to refuse to post any submission for any reason. You acknowledge that you, not PrivateDebtRelief.com, are responsible for the contents of your submission. None of the content that you submit shall be subject to any obligation of confidence on the part of us, our agents, subsidiaries, affiliates, partners or third-party service Third-Party Service Providers and their respective directors, officers and employees.

By submitting content or submitting your email address in connection with your rating and review, you agree that PrivateDebtRelief.com and its third-party service Third-Party Service Providers or the entity being reviewed may use your email address to contact you about the status of your review and other administrative purposes.

How We Are Compensated

PrivateDebtRelief.com is paid a marketing lead generation fee by Third-Party Service Providers for the services provided. Your use of the Websites and/or PrivateDebtRelief.com’s services constitutes your agreement with this compensation arrangement.

By submitting any Form containing your electronic signature through a PrivateDebtRelief.com Website, and separately for each such request you submit, you are indicating that you desire to be contacted by Third-Party Service Providers, and you are providing prior express written consent that PrivateDebtRelief.com, a third party on PrivateDebtRelief.com’s behalf, and Third-Party Service Providers to whom your information is submitted, may deliver calls or text messages to you, including for marketing purposes, using an automatic telephone dialing system or an artificial or prerecorded voice to the phone number you have provided. You understand that you are providing this consent to receive such telephone calls even if your telephone number is currently listed on any federal, state, local, internal, or corporate Do-Not-Call (“DNC”) Lists. You understand that you are not required to consent to receive these communications as a condition of using PrivateDebtRelief.com’s services.

You consent to receive email from PrivateDebtRelief.com, its affiliates, and its Third-Party Service Providers at the email address you provided or at other addresses that may be associated with you that we receive from Third-Party Service Providers or other parties. You hereby consent to any such email, so it will not be considered spam or unauthorized by any local, state or federal law or regulation. You agree that the consents described herein shall remain valid and in effect until you revoke them by opting out as described below.

You may opt out of receiving calls from PrivateDebtRelief.com at any time by engaging in any of the following reasonable means: (1) emailing customerservice@privatedebtrelief.com to expressly state in writing that you no longer wish to be contacted by PrivateDebtRelief.com and are revoking your consent to be contacted; or (2) Responding to any SMS, mobile, or text message you receive from PrivateDebtRelief.com in accordance with the express written instructions of that particular messaging program. At any time, you may update your preferred method of contact by emailing customerservice@privatedebtrelief.com. You agree to notify any particular Third-Party Service Provider directly if you no longer want to receive communications from them. You further agree that PrivateDebtRelief.com is not responsible for a Third-Party Service Provider’s failure to follow your or our instructions to stop contacting you.

PrivateDebtRelief.com is not a lender, creditor credit counselor or debt consolidation company. PrivateDebtRelief.com is not an agent of either you or any Third-Party Service Provider. PrivateDebtRelief.com is not acting as your agent or as the agent of any Third-Party Service Provider. PrivateDebtRelief.com’s services are only administrative. You agree you will rely on your own judgment and research independent of any communications or information you receive from PrivateDebtRelief.com in deciding which available product, terms and Third-Party Service Provider best suits your needs and financial situation. Each individual Third-Party Service Provider is solely responsible for its services to you, and you agree that PrivateDebtRelief.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services or your interactions with any Third-Party Service Provider. You understand that Third-Party Service Providers may keep your Form information and any other information provided by PrivateDebtRelief.com or received by them in the processing of your Form, whether you are qualified for a product with them or complete a formal application for services with them.

By submitting a Form, you represent that all the information you have provided is true, accurate, current and complete. When you “submit” information through our Websites, you understand and agree that you have established a business relationship between you and PrivateDebtRelief.com. Accordingly, PrivateDebtRelief.com may send your information to Third-Party Service providers and certain affiliates and third parties as provided in the Privacy Policy and you agree that PrivateDebtRelief.com, its affiliates, and persons calling on PrivateDebtRelief.com’s behalf may contact you using information you provided with information and offers of services available through PrivateDebtRelief.com and the Websites. You also give PrivateDebtRelief.com permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information regarding your submission, including incomplete Forms, the identification of Third-Party Service Providers, deadlines, quality of services or other matters in connection with your Form.

Waiver and Severability of Terms

The failure of PrivateDebtRelief.com to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by PrivateDebtRelief.com. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the other provisions of this Agreement shall remain in full force and effect and the parties agree that such a court should endeavor to give effect to the parties’ intentions.

Assignment

You may not transfer or assign any of your rights and obligations under this Agreement without the express prior written consent of PrivateDebtRelief.com, give in its sole discretion. However, you acknowledge and agree that PrivateDebtRelief.com may freely and without restriction or limitation assign or transfer any of its rights and obligations under this Agreement.

Entire Agreement

This Agreement and any document incorporated by reference herein constitute the entire agreement between you and PrivateDebtRelief.com and govern your use of the websites, superseding any prior agreements between you and PrivateDebtRelief.com. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by PrivateDebtRelief.com or one of PrivateDebtRelief.com’s third party business partners.

We may find it necessary or be legally obligated to update this Agreement from time to time. When we do, we will post those changes on this page. Any changes will become effective immediately following its posting, unless otherwise stated. Except as otherwise required by law, modifications to this Agreement will not affect you prior to the effective date of the policy change.