USA DEBT TERMS OF SERVICE

UPDATED: AUGUST 2024

AGREEMENT BETWEEN THE USER AND US DEBT MANAGEMENT ISSUERS LLC

PLEASE CAREFULLY REVIEW THE FOLLOWING TERMS OF SERVICE (THE "TERMS"), WHICH GOVERN YOUR ACCESS TO AND USE OF THIS WEBSITE (THE "SITE") ON THE WORLD WIDE WEB. BY USING THIS SITE, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS. IF YOU DISAGREE WITH ANY PART OF THESE TERMS, PLEASE REFRAIN FROM ACCESSING OR USING THIS SITE OR ANY INFORMATION PROVIDED ON IT. YOUR CONTINUED USE OF THE SITE WILL BE CONSIDERED YOUR ACCEPTANCE OF THESE TERMS.

THIS AGREEMENT INCLUDES A BINDING ARBITRATION CLAUSE. THESE TERMS IMPACT YOUR LEGAL RIGHTS, INCLUDING REQUIRING THAT ANY DISPUTES BETWEEN US BE RESOLVED THROUGH INDIVIDUAL ARBITRATION RATHER THAN CLASS ACTIONS OR JURY TRIALS. BY USING THIS SITE, YOU AGREE THAT ANY DISPUTES RELATED TO THE INFORMATION PROVIDED OR YOUR USE OF THE SITE WILL BE SETTLED THROUGH BINDING ARBITRATION INSTEAD OF IN COURT. YOU ALSO RETAIN THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT.

USA Debt offers "The User" access to its content, resources, educational materials, communication tools, public forums, commerce platforms, and various other services through its network of websites, collectively referred to as "The Service." The provision of this service is subject to the following Terms of Service.

USA Debt is not obligated to supply you with the necessary access facilities or equipment (in any form) to utilize its service. You, as "The User," acknowledge and agree that "The Service" may include advertisements and sponsorships, which are essential for USA Debt to deliver "The Service." You acknowledge and agree that USA Debt makes no representations regarding the suitability, reliability, availability, timeliness, or accuracy of the information, products, services, and related graphics provided through "The Service" for any purpose. "The Service" is offered on an "as is" basis without any warranties of any kind. USA Debt expressly disclaims all warranties and conditions related to "The Service." UNDER NO CIRCUMSTANCES DOES USA DEBT ADVERTISE, OFFER, OR SELL CREDIT REPAIR SERVICES THROUGH THIS WEBSITE OR ANY OTHER PLATFORM.

USA Debt is dedicated to providing its programs and services to all eligible individuals and strictly opposes any form of discrimination. It is USA Debt's policy to ensure equal access and opportunity to its offerings, free from bias based on race, color, religion, gender, marital status, citizenship, national origin, or ancestry. Discriminatory practices of any kind are strictly prohibited by USA Debt.

CHANGES TO THESE TERMS

USA Debt retains the right to modify any terms, conditions, and notices governing the offering of “The Services.” It is your responsibility to review these Terms of Service regularly, including any updates or changes we may make over time. By continuing to use “The Service,” you acknowledge and agree to all such terms, conditions, and notices.

CHANGES TO "THE SERVICE"

USA Debt holds the right to alter or suspend "The Service" (or any part of it), either temporarily or permanently, with or without prior notice to "The User" at any given time. "The User" acknowledges that USA Debt will not be held accountable to "The User" or any third party for any changes or discontinuation of the Service.

USER BEHAVIOR

"The Service" may include features such as email services, message boards, chat areas, newsgroups, forums, communities, and other communication tools designed to facilitate interaction with others (collectively referred to as "Communication Tools"). By using these Communication Tools, you agree to post, send, and receive only appropriate messages and materials, which are, where applicable, related to the specific tool in use. Additionally, you agree not to use "The Service" for any commercial purpose, including reselling, co-branding, or private labeling.

As a condition of using "The Service," you, "The User," agree to: (a) provide true, accurate, up-to-date, and complete information about yourself as requested by the registration form on "The Service" (referred to as "Registration Information" and Retainer Agreement); and (b) promptly update the Registration Information to ensure it remains accurate, current, and complete. If you provide information that is false, inaccurate, outdated, or incomplete, USA Debt reserves the right to terminate your user account and deny any current or future access to "The Service." Additionally, USA Debt has the right to use and disclose aggregate registration information to third parties for marketing purposes, in accordance with the privacy policy. You also consent to USA Debt using your registration information to target advertising and service offers to you. This may include personalizing the content you see, fulfilling your requests for specific products and services, and contacting you via email or other means to inform you about special offers or new products.

USER RESPONSIBILITIES

As a user of USA Debt's services, you agree to fulfill the following responsibilities to ensure a positive and effective experience: (a) You are required to provide accurate, complete, and up-to-date information when using our services. This includes all personal, financial, and contact details requested. Failure to do so may result in the suspension or termination of your account. (b) You agree to use the services in accordance with all applicable laws and regulations, including but not limited to those governing debt relief, consumer protection, and privacy. Misuse of the platform for fraudulent or illegal activities is strictly prohibited. (c) You must use the USA Debt services solely for their intended purpose. This includes using our tools, resources, and communications channels (such as message boards, forums, and email) in a respectful and lawful manner. Commercial use, including reselling, co-branding, or private labeling of our services, is prohibited. (d) You agree to engage with others on USA Debt's platforms (email, forums, chat, etc.) in a responsible, respectful, and non-disruptive manner. Any inappropriate, harmful, or unlawful content will not be tolerated and may lead to your account being suspended or terminated. (e) If you opt to participate in any offers, products, or services provided by USA debt, you are responsible for managing your subscription and any associated payments. You should promptly update your account information to ensure continuous access to services and notifications regarding your account. (f) You agree to comply with all terms and conditions outlined in this Agreement, including those concerning privacy and data handling practices. By using USA Debt's platform, you consent to the collection, storage, and sharing of your personal information as detailed in our privacy policy. (g) You are responsible for maintaining the confidentiality of your login credentials and ensuring the security of your account. Notify USA Debt immediately if you suspect any unauthorized use of your account. (h) USA Debt does not engage in direct debt collection.

Our services focus on offering debt relief options such as settlement and consolidation, and we will never ask you for upfront payments.

Be cautious of any third parties claiming to be USA Debt for collection purposes. By fulfilling these responsibilities, you ensure that you benefit fully from USA Debt’s offerings, including access to expert advice, financial tools, and debt relief programs tailored to your unique needs.

We value your trust and are committed to providing services that promote financial recovery and well-being.

LIABILITY RESTRICTIONS

You explicitly agree and acknowledge that, to the extent permitted by law, USA debt will not be held liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses (even if USA Debt has been informed of the potential for such damages), arising from: (i) your ability or inability to use the Service; (ii) the costs of obtaining substitute services due to data, information, or services purchased, messages received, or transactions made through the Service; (iii) unauthorized access or modification of your transmissions or data; (iv) the actions or behavior of third parties on the Service; or (v) any other issue related to the Service.

CONTENT REWRITING AND AUTOMATIC CONTENT REPOSTING

USA Debt prohibits third parties from repurposing (either automatically or manually) any content, including articles, posts, publications, blogs, and other materials found on its website, without prior written consent from senior management. USA debt will enforce its copyright and intellectual property rights to the fullest extent of the law, taking action against infringers. However, it is allowed to quote up to 45 words from a single article for discussion purposes, provided the quoted text links back to the full article on www.usadebt.online.

CONTENT SUBMITTED TO THE SERVICE

USA Debt does not claim ownership of the content you provide, including data, text, software, music, sound, photographs, graphics, video, messages, or other materials, whether through feedback, suggestions, or by posting, uploading, or submitting content to any USA Debt site or service for public viewing. However, by submitting or making content available, you grant USA Debt and its affiliated sites the right to use your submission in the operation of their online services. This includes the rights to copy, distribute, transmit, publicly display, perform, reproduce, edit, translate, reformat, and publish your name in connection with your submission.

AUTOMATED DIALING CALLS

By providing your contact details on usadebt.online, you explicitly consent to receiving communications via phone and email, including through automated dialing systems or prerecorded/artificial voices, even if your number is on any state, federal, or corporate Do Not Call list. Please note that consent is not a condition for purchasing any goods or services offered by USA Debt. Standard cellular data rates may apply.

SMS TERMS AND CONDITIONS

By providing your contact information and consenting to receive SMS messages, you agree to receive text messages from USA Debt or its partners regarding your account, services, and offers. Standard message and data rates may apply. You can opt out of receiving SMS messages at any time by replying with "STOP" or contacting customer service. USA Debt reserves the right to modify or discontinue SMS messaging services at any time without notice. SMS communications are provided as a convenience, and you agree to receive messages regardless of whether you are on a Do Not Disturb list.

DISPUTES AND ARBITRATION/WAIVER OF CLASS ACTION

Any dispute related in any way to your visit to this website or your use of any of the Services shall be submitted to confidential, binding arbitration. In the event that you have violated or threatened to violate USA Debt's intellectual property rights, US Debt Management Issuers LLC may seek injunctive or other appropriate relief in any court with proper jurisdiction. Arbitration shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award will be binding, subject to review in accordance with applicable statutes, rules, and regulations governing arbitration awards, and may be entered as a judgment in any court with competent jurisdiction. To the fullest extent permitted by law, no arbitration shall be joined to any arbitration involving another party subject to these terms and conditions, whether through class arbitration proceedings or otherwise.

You have the right to opt out of this Agreement to Arbitrate. If you choose to do so, neither you nor we will be required to engage in arbitration. To opt out, you must send a written notification within 30 days of your first use of this Site under these arbitration terms or any modifications to them. You may send the notice by U.S. mail to: US Debt Management Issuers LLC, 201 Chestnut Blvd, Philadelphia, PA 19101, or by email to [email protected]. Your notice should include: (1) your full name and residential address, (2) the email address and/or mobile phone number linked to your account, and (3) a clear statement indicating your desire to opt out of this arbitration agreement.