Last updated: July 26, 2023
These Website Terms of Use (including any document incorporated reference herein) for the INSERT
LEGAL COMPANY NAME d/b/a/ RelievingDebtUSA any and all of its subsidiaries and affiliates
(“RelievingDebtUSA”) websites and covers 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not superseded by the terms and conditions of any contract we may sign with you, of any product or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 that we may supply 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.
1. 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 products and services offered by or through 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 that is incorporated by reference herein, these Terms of Use
shall control.
RelievingDebtUSA has made a commitment to protecting the privacy of those who visit our websites and
access the products and services available therein. RelievingDebtUSA’s Privacy Policy is hereby
incorporated herein by reference.
2. Products and Services
Certain of the websites function as an online marketplace where visitors can research and submit
requests for debt resolution services. You understand and agree that if you submit a request for a
product or service or for further information relating to a product or service offered through any
of the websites, RelievingDebtUSA will share such of your information as may be required in order to
match you with selected providers of the products and/or services that you request.
By submitting your contact information to us, you are expressly consenting to be contacted by us or
by one or more providers of products and services by 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.
3. Modification of These Terms of Use
RelievingDebtUSA 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.
4. License Grants
Subject to your compliance with these Terms of Use, RelievingDebtUSA hereby grants you a personal,
limited, non-exclusive, non-transferable revocable license to use the websites for purposes of
accessing the information and contacting the providers of the products and services contained
therein.
RelievingDebtUSA 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 hereby grant to RelievingDebtUSA 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 RelievingDebtUSA’s Privacy
Policy).
Prohibited Conduct
By using the websites, you agree not to:
- Use the websites for any purpose other than to access the information and contact the 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 in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;
- use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, 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 a right to make available under any law or under contractual or fiduciary relationships.
6. Ownership & Proprietary Rights
The websites are owned and operated by RelievingDebtUSA. All content displayed on the websites, as
well as all visual interfaces, graphics, designs, information, computer code (including source code
or object code), software and all other elements of the websites are protected by United States
copyright, trade dress, patent and trade/service mark laws, international conventions, where
applicable, and all other relevant intellectual property and proprietary rights and laws. Except as
otherwise specified on the websites, all content contained on the websites is the property of
RelievingDebtUSA and/or its third-party licensors. Except as expressly authorized by
RelievingDebtUSA, you may not sell, license, distribute, copy, modify, publicly perform or display,
transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use
of such content.
7. Links to Third-Party Sites; Dealings with Third Parties
The websites may include links or references to other web sites owned or operated by third parties
with which RelievingDebtUSA may have a relationship. RelievingDebtUSA has no control over such third
party web sites and, thus, is not responsible for their availability, content or advertising, or any
products or services available from such third parties. Your correspondence or business dealings
with such third parties are solely between you and such third party. Access and use of such web
sites is solely at your own risk.
Your correspondence or business dealings with any third parties, including, but not limited to,
business dealings with credit counseling services, debt settlement services, mortgage brokers or
lenders, insurance agents or carriers or any other product or service provider are solely between
you and such third party. RelievingDebtUSA is not responsible for any terms, conditions, warranties
or representations associated with such dealings or liable for any loss or damage of any sort
incurred as the result of such dealings.
By using the websites as directed, you are acknowledging that RelievingDebtUSA does not make credit
decisions in connection with any product or service offered to you, does not recommend, endorse,
warrant or guarantee the products or services of any third party and is not party to any discussions
that you may have or agreement that you may make with any third party. RelievingDebtUSA does not
charge anyone a fee to use the websites.
8. Termination; Exclusive Remedy
RelievingDebtUSA at any time, in its sole discretion, for any or no reason, and without penalty or
liability, may terminate your use of the websites and terminate any session. RelievingDebtUSA may
also in its sole discretion and at any time discontinue providing access to one or more websites.
Any termination of access to the websites may be effected with or without prior notice, and
RelievingDebtUSA will not be liable to you or to 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 with respect to any dissatisfaction with (i) the
websites, (ii) any term or condition of these Terms of Use or (iii) any policy or practice of
RelievingDebtUSA in operating any website is to terminate your access to and discontinuing use of
the websites.
9. Indemnification
You agree to indemnify, save and hold RelievingDebtUSA and its contractors, employees, agents and
its third party suppliers and business partners harmless from any claims, losses, damages and
liabilities, including legal fees and expenses, arising out of your use or misuse of the websites,
any violation by you of these Terms of Use or any breach of the representations, warranties and
covenants made by you herein. RelievingDebtUSA 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 RelievingDebtUSA’s defense of any such claims. RelievingDebtUSA will use
reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
10. No Warranty; Disclaimers
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, RelievingDebtUSA 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 RELIEVINGDEBTUSA OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY
NOT EXPRESSLY PROVIDED IN THESE TERMS OF USE.
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL
CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE
PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR
REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF RELIEVINGDEBTUSA OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY
DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR
THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS,
VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR
STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL
BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS
OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
11. Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL RELIEVINGDEBTUSA OR ITS
THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL,
CONSEQUENTIAL, PUNITIVE, RELIANCE OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES
ARISING FROM ANY UNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUES OR
LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE
WHATSOEVER) ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THAT RESULT FROM YOUR USE OR
YOUR INABILITY TO USE THE WEBSITES OR ANY THIRD-PARTY WEB SITE OR ANY OTHER INTERACTIONS WITH
RELIEVINGDEBTUSA, EVEN IF RELIEVINGDEBTUSA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR
CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES,
RELIEVINGDEBTUSA’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
12. Release
BY YOUR USE OF ANY RELIEVINGDEBTUSA WEBSITE, YOU ARE AGREEING TO RELEASE AND DISCHARGE
RELIEVINGDEBTUSA AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS AND EACH OF THEIR
RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED PERSONS OR ENTITIES FROM
ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL
FEES, COSTS AND EXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OF OR IN
ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE
CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS, "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS
WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE
RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."
13. Dispute Resolution
In the event of a dispute between you and RelievingDebtUSA that arises out of these Terms of Use or
any product or service you obtain through the websites (“Claim”), you and RelievingDebtUSA agree to
resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree in
writing. Before resorting to these dispute resolution mechanisms, you must first contact us directly
to seek a resolution. If, however, we are unable to resolve our differences informally,
RelievingDebtUSA will consider reasonable requests to resolve the dispute through alternative
dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of
the award sought is less than $1,000, either party may elect to resolve the dispute in a cost
effective manner through binding non-appearance-based arbitration. In the event a party elects
arbitration, they shall initiate such arbitration through an established alternative dispute
resolution ("ADR") provider chosen by the party seeking arbitration. The ADR provider and the
parties must comply with the following rules:
- the arbitration shall be conducted by telephone or online and be solely based on written submissions, the specific manner to be chosen by the party initiating the arbitration;
- the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties;
- and any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
14. Miscellaneous
14.1 Notice
RelievingDebtUSA may provide you with notices by e-mail, regular mail or postings on any website.
Notice will be deemed given twenty-four hours after e-mail is sent, unless RelievingDebtUSA is
notified that the e-mail address used is invalid. Alternatively, RelievingDebtUSA may give you legal
notice by mail to a postal address, if provided by you through any website. In such case, notice
will be deemed given three (3) calendar days after the date of email.
All notices to RelievingDebtUSA must be made in writing and emailed to:
[email protected].
14.2 Waiver and Severability of Terms
The failure of RelievingDebtUSA to exercise or enforce any right or provision of these Terms of Use
shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms
of Use will be effective only if in writing and signed by RelievingDebtUSA. If any provision of
these Terms of Use is found by a court of competent jurisdiction to be invalid, the other provisions
of these Terms of Use shall remain in full force and effect and the parties agree that such court
should endeavor to give effect to the parties’ intentions.
14.3 Choice of Law; Forum
These Terms of Use shall be governed in all respects by the laws of the State of New York as they
apply to agreements entered into and to be performed entirely within New York between New York
residents, without regard to conflict of law provisions.
Any claim or dispute you may have against RelievingDebtUSA must be resolved by a court located in
New York County, New York, except as otherwise agreed by the parties or as described in Paragraph
13. You agree to submit to the personal jurisdiction of the courts located within New York County,
New York for the purpose of litigating all such claims or disputes.
All claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered
improperly filed. Should you file a claim improperly, RelievingDebtUSA may recover reasonable
attorneys’ fees and costs, provided that RelievingDebtUSA has notified you in writing of the
improperly filed claim and you have failed to withdraw the claim promptly.
14.4 Assignment
You may not transfer or assign any of your rights and obligations under these Terms of Use without
the express prior written consent of RelievingDebtUSA, give in its sole discretion. However, you
acknowledge and agree that RelievingDebtUSA may freely and without restriction or limitation assign
or transfer any of its rights and obligations under these Terms of Use.
14.5 Entire Agreement
These Terms of Use and any document incorporated by reference herein constitute the entire agreement
between you and RelievingDebtUSA and govern your use of the websites, superseding any prior
agreements between you and RelievingDebtUSA. 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 RelievingDebtUSA or one of RelievingDebtUSA’s third party business partners.
14.6 Survival
The following paragraphs shall survive termination or your refusal to continue to use the Service:
4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.
