Terms of Service

1. Acceptance of Terms

By accessing or using DebtReliefExpert ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Services

DebtReliefExpert provides:

• AI-powered debt assessment tools
• Educational content about debt relief strategies
• Financial calculators and planning tools
• Personalized debt relief recommendations
• Resources and guides for financial literacy

Our Service is for informational and educational purposes only. We do not provide debt settlement, negotiation, consolidation, or legal services directly.

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Use the Service only for lawful purposes
• Not attempt to harm, disrupt, or gain unauthorized access to the Service
• Not use the Service for commercial purposes without permission
• Be at least 18 years old to use the Service

4. AI Assessment Disclaimer

5. Intellectual Property

All content on DebtReliefExpert, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of DebtReliefExpert or its content suppliers and is protected by U.S. and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any material from our Service without prior written permission.

6. Privacy and Data Use

Your use of our Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of personal information as described in the Privacy Policy.

7. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by DebtReliefExpert. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

8. Disclaimers and Limitations of Liability

9. Indemnification

You agree to defend, indemnify, and hold harmless DebtReliefExpert and its officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of and access to the Service
• Your violation of these Terms
• Your violation of any third-party right
• Any content you submit to the Service

10. Account Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately.

11. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

The arbitration shall be conducted in San Francisco, California, and judgment on the award may be entered in any court having jurisdiction.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and DebtReliefExpert regarding the use of the Service, superseding any prior agreements.

16. Contact Information

For questions about these Terms, please contact us at: