Terms of Service

Last Updated: February 2025

1. Agreement to Terms

By accessing or using the YourDebtResource website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. We reserve the right to modify these terms at any time. Your continued use of our services constitutes acceptance of any changes.

2. Description of Services

YourDebtResource operates as a consumer matching service. We connect consumers who are seeking debt relief assistance with third-party debt relief professionals and service providers. We are not a debt relief company, debt consolidation company, credit counseling agency, or lender.

Our role is limited to:

  • Collecting information from consumers through our quiz and forms.

  • Matching consumers with appropriate third-party service providers based on the information provided.

  • Facilitating initial contact between consumers and matched providers.

We do not provide debt relief services, financial advice, legal advice, or credit counseling. Any services you receive will be provided directly by third-party professionals and not by YourDebtResource.

3. No Guarantee of Results

We do not guarantee that you will be matched with a service provider, that any matched provider will be able to assist you, or that you will achieve any particular outcome regarding your debt situation. Results vary based on individual circumstances. Any statistics or testimonials on our website represent individual experiences and are not guarantees of future results.

The decision to work with any matched provider is solely your own. You should carefully evaluate any provider before engaging their services and understand any fees, terms, and conditions they may require.

4. User Responsibilities

By using our services, you agree to:

  • Provide accurate, complete, and current information.

  • Be at least 18 years of age.

  • Use our services only for lawful purposes.

  • Not attempt to interfere with or disrupt our services.

  • Not use automated systems to access our website without permission.

  • Not impersonate any person or entity.

5. Third-Party Services

The debt relief professionals and service providers to whom we may refer you are independent third parties. We do not control, endorse, or assume responsibility for their services, advice, products, or practices. Any agreement you enter into with a third-party provider is between you and that provider.

We encourage you to review any provider's credentials, licensing, and reputation before engaging their services. You should also carefully read and understand any contracts or agreements before signing.

6. Communications Consent

By submitting your information through our website, you expressly consent to receive communications from us and from matched service providers. This may include:

  • Phone calls, including calls using automated dialing systems or prerecorded messages.

  • Text messages (SMS).

  • Emails.

You may opt out of communications at any time by following the unsubscribe instructions provided or by contacting us directly. Standard message and data rates may apply to text messages.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of YourDebtResource or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOURDEBTRESOURCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES OR ANY SERVICES PROVIDED BY THIRD-PARTY PROVIDERS TO WHOM YOU ARE REFERRED.

Our total liability for any claim arising from or related to these terms or our services shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless YourDebtResource and its affiliates from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of our services, your violation of these terms, or your violation of any rights of another party.

11. Governing Law and Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Severability

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

13. Contact Information

If you have any questions about these Terms of Service, please contact us through our website.

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