• Age Requirement: The Site and our services are intended for use by individuals 18 years of age or older. By using the Site, you represent and warrant that you are at least 18 and legally capable of entering into binding contracts.
• U.S. Residents Only: Our services are currently available only to residents of the United States. By using the Site, you affirm that you are a legal U.S. resident. We do not offer our services to users in other jurisdictions, and nothing on the Site shall be interpreted as an offer to provide services outside the U.S.
• No Use by Minors: We do not knowingly solicit or collect information from anyone under 18. If you are under 18, do not use this Site.

Makedebtgone.com provides an online platform to connect users with debt relief solutions and related financial services. Our Site allows you to input information about your debt situation and get matched with or learn about debt relief programs (the “Service”). The key aspects of our Service include:

• Free Consultation: We offer to connect you with free debt relief consultations from industry professionals. The Service is provided to you free of charge; we do not charge you any fees to use the Site or to be matched with third-party debt relief providers. Any fees for actual debt relief programs will be discussed and agreed between you and the third-party provider; we are not involved in those fee arrangements.
• No Financial Advice: The content and tools on our Site are for informational purposes. We are not a financial advisor, law firm, or tax advisor, and no content on the Site constitutes professional legal, tax, or financial advice. Always consult a qualified professional for advice tailored to your situation.
• No Guarantee of Results: While we aim to match you with reputable debt relief options, we do not guarantee any specific outcomes. Debt relief results vary depending on your creditors and individual program terms. For example, not all users will achieve a particular percentage of debt reduction or become debt-free within a certain time frame. Any estimates provided on the Site are based on prior results and are not guarantees of similar outcomes in your case.

By using our Site and submitting your contact information (such as by clicking “Get Relief” or similar buttons, or by filling out forms requesting a debt relief evaluation), you expressly consent to being contacted by us and by our partner debt relief service providers with information about debt relief options or related services. This contact may occur through:

• Telephone Calls or Text Messages: You agree that we and our partners may contact you by phone or SMS text at the number you provide, including using automated dialers or pre-recorded/artificial voice messages for informational and marketing purposes. Your consent overrides any registration on a federal or state Do-Not-Call list, since it is an express invitation to be contacted about debt relief. Message and data rates may apply for any SMS messages.
• Email: You consent to receive emails from us or our partners at the email address you provide, with information about debt relief programs, consultations, and related offers.
• Postal Mail: Where appropriate, we or our partners may send you information via physical mail based on the address you provide.

Opt-Out: You can opt out of receiving communications at any time. To revoke your consent, notify us as described in our Privacy Policy (for example, by using provided unsubscribe links in emails or informing the caller that you do not wish to be contacted further). Please note that opting out of marketing communications will not prevent us from contacting you for non-marketing or transactional reasons (such as to provide service you requested or for account-related issues, if applicable).

Your use of the Site is also governed by our Privacy Policy (available via the link on our Site), which is incorporated into these Terms by reference. Please review the Privacy Policy to understand how we collect, use, and protect your personal information. By using the Site, you acknowledge that you have read and agree to the Privacy Policy. In the event of a conflict between these Terms and the Privacy Policy regarding privacy matters, the Privacy Policy will take precedence.

Our Site may refer you to or provide links for third-party debt relief companies, financial service providers, or other third-party websites (“Third-Party Services”). These are provided for your convenience, but we do not own or control these third parties.

• No Endorsement: The inclusion of any Third-Party Service or link does not imply endorsement or recommendation by us. We do not guarantee, warrant, or assume responsibility for any product, service, or advice offered by third-party companies, even if you learned of them through our Site.
• Independent Relationships: Any dealings between you and a third-party service provider are solely between you and that third party. We are not a party to any contracts or agreements you enter with outside providers, and their terms and conditions will apply to any services they provide to you.
• No Credit Decisions: Makedebtgone.com is not a lender or a creditor, and we do not make credit decisions regarding any debt relief or loan product. We simply connect you with providers who may offer such products. We do not guarantee that you will be offered any particular terms by the third parties.
• Third-Party Websites: If our Site contains links to external websites, these links are provided for informational purposes. Accessing third-party websites is at your own risk, and we are not liable for their content or practices. Be sure to review the terms and policies of any site you visit through a link on our Site.

We grant you a limited, revocable license to use the Site for its intended purpose of researching debt relief options and contacting service providers. You agree to use the Site only for lawful, personal, and non-commercial purposes. In using our Site, you agree NOT to:

• Provide false information: Do not enter any information that is untrue, inaccurate, or not your own. You agree to provide only current and correct information about yourself and your financial situation when using our forms.
• Violate the law or rights of others: Do not use the Site to violate any applicable laws or regulations. Do not infringe upon the rights of any person or entity (including intellectual property, privacy, or contractual rights).
• Interfere with the Site’s operation: Do not attempt to interfere with the proper functioning of the Site. This includes prohibitions on introducing viruses, worms, or any malicious code; attempting to hack or gain unauthorized access to our systems or data; or engaging in any activity that disrupts the performance or integrity of the Site.
• Use for unsolicited marketing or spam: You may not use the Site to transmit unsolicited or unauthorized advertising, junk mail, spam, chain letters, or any form of solicitation to other users or to us.
• Scrape or copy content: You may not use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission. Also, do not frame, mirror, or otherwise reproduce or exploit any part of the Site without authorization.
• Misuse the Service: Do not attempt to bypass any measures we use to secure the Site or use the Service in a manner that overloads our infrastructure. You agree not to resell or deep-link to any part of the Service for commercial purposes without our consent.

Violation of any of the above may result in immediate termination of your right to use the Site, and we reserve the right to take appropriate legal action in the event of such violations.

All content and materials on the Site – including text, graphics, logos, button icons, images, audio clips, software, and design – are the property of Makedebtgone.com or our licensors and are protected by copyright, trademark, and other intellectual property laws.

• Site Content: We or our content suppliers own the compilation of content on this Site, as well as the underlying software and technology. Makedebtgone, and associated logos or slogans are our trademarks or service marks. You are not granted any right or license to use any of our trademarks without our prior written consent.
• Personal Use License: We grant you a personal, non-exclusive, non-transferable, limited license to access and use the Site and its content for your own personal, non-commercial use. You may download or print a reasonable amount of content from the Site for your personal use and information, but you must retain all proprietary notices (e.g., copyright and trademark notices) in the content.
• Restrictions: Except as expressly permitted by these Terms, you may not copy, reproduce, modify, distribute, transmit, display, perform, license, create derivative works from, or otherwise exploit any part of the Site content. Using the Site’s content for any purpose not expressly allowed by these Terms is prohibited.
• Feedback: If you choose to provide feedback, suggestions, or ideas to us (collectively, “Feedback”), you agree that we are free to use and implement such Feedback without any restriction or compensation to you. You hereby grant us a perpetual, irrevocable, sublicensable license to use the Feedback in any manner and for any purpose.

We reserve the right to change or update these Terms of Service at any time. If we make material changes, we may post a notice on our Site or notify users by email, but it is your responsibility to review these Terms periodically for updates. Changes to the Terms are effective immediately upon posting to this page, unless otherwise stated. By continuing to use the Site after any changes are posted, you accept and agree to the updated Terms.

We may, at our sole discretion, terminate or suspend your access to the Site or our Service at any time and for any reason, without prior notice. For example, we might terminate or suspend use if we believe you are violating these Terms, engaging in fraud or misuse of the Service, or for technical and security reasons.

If your use of the Site is terminated, the provisions of these Terms that by their nature should survive termination will remain in effect (such as Disclaimers, Limitation of Liability, Indemnification, and Dispute Resolution). Termination of your access or account (if any) shall not waive or affect any other right or relief to which we may be entitled at law or in equity.

Your Right to Terminate: You are free to stop using the Site at any time. If you wish to delete any information you have submitted to us, please contact us as described in the Privacy Policy. However, note that we may retain certain information as required by law or for legitimate business purposes.

USE OF SERVICE AT OWN RISK: Your use of the Site and Service is at your own risk. We provide the Site and all services and information “AS IS” and “AS AVAILABLE,” without any warranty of any kind. To the fullest extent permitted under applicable law, we expressly disclaim all warranties and representations (express, implied, and statutory) with respect to the Site and Service, including, but not limited to:

• Implied Warranties: We disclaim any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Site or Service will meet your requirements or achieve any particular results.
• Accuracy of Information: While we strive for accuracy, we make no guarantee that any content or information on the Site is 100% complete, accurate, or up-to-date. Financial information, interest rates, or program details are subject to change and may not always be verified. Use your own judgment or seek professional advice before relying on any information obtained from the Site.
• Availability and Quality: We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any defects will be corrected. We cannot guarantee that the Site and its servers are free of viruses or other harmful components. You are responsible for implementing precautions (like antivirus software) to protect your devices and data.
• Third-Party Offers: Any services or offers from third-party providers that you access through our Site are entirely the responsibility of those third parties. We make no warranty regarding any goods or services obtained from third parties through our Site.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, any implied warranties will be limited to the minimum scope and duration permitted by law.

To the maximum extent permitted by law, in no event shall Makedebtgone.com, its owners, affiliates, partners, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of (or inability to use) the Site or the Service. This includes, without limitation, any damages for lost profits, lost savings or revenues, loss of data, or business interruption, even if we or our representatives have been advised of the possibility of such damages.

In particular, and without limiting the generality of the foregoing, we shall not be liable for:

• Any failure of performance of the Site (e.g., errors, delays, or downtime of our website).
• Any errors or omissions in content on the Site.
• Any loss or damage arising from dealings or agreements between you and any third-party service provider obtained via our Site.
• Unauthorized access to or alteration of your transmissions or data.

Cap on Liability: In no event shall our total cumulative liability to you for any claims arising out of or relating to these Terms or your use of the Site exceed one hundred U.S. dollars (US $100). This limitation applies to all causes of action in the aggregate, including, without limitation, breach of contract, breach of warranty, negligence, strict liability, misrepresentations, or any other torts.

Exceptions: Some states or jurisdictions do not allow the exclusion or limitation of certain damages. If any exclusion of liability is held to be invalid or unenforceable, our liability shall be limited to the fullest extent permitted by law.

Most user concerns can be resolved quickly and informally by contacting us. In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site or Services (each a “Dispute”), you and we agree to try in good faith to settle the Dispute informally for at least 30 days before initiating any formal proceeding. If we cannot resolve the Dispute informally, the following terms apply:

• Binding Arbitration: Any Dispute (except those exempted below) shall be resolved by final and binding arbitration administered by a neutral arbitrator. You and Makedebtgone.com agree to give up the right to go to court to assert or defend our rights (except for matters that may be taken to small claims court).
• Arbitration Procedure: The arbitration will be conducted by the American Arbitration Association (AAA) or a similar reputable arbitration organization, under the applicable rules (such as the AAA Consumer Arbitration Rules). The arbitration may be conducted via telephone, written submissions, or in person in the county where you live or another mutually agreed location. Arbitration is less formal than a lawsuit in court and uses a neutral arbitrator instead of a judge or jury. The arbitrator’s decision will be confidential and binding, and judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
• Individual Capacity Only: All Disputes shall be arbitrated on an individual basis. You waive any right to participate in a class-action lawsuit or class-wide arbitration either as a party or class member. The arbitrator shall not have authority to combine or aggregate similar claims or conduct any class proceeding.
• Exceptions: Notwithstanding the above, either party may bring an individual action in small claims court for disputes or claims within the scope of that court’s jurisdiction. In addition, both you and we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, or other intellectual property rights.
• Opt-Out Right: You have the right to opt out of this arbitration agreement by sending us written notice of your decision within 30 days of first accepting these Terms. The notice must clearly state your name and intent to opt out of the arbitration provision, and be sent to our contact address provided in these Terms. If you opt out, or for any claim where this arbitration agreement is found unenforceable or not to apply, you and we agree to submit to the exclusive jurisdiction of the state or federal courts located in California to resolve any such dispute, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
• Costs: Each party will be responsible for paying its own arbitration filing fees, administration and arbitrator fees, and other costs, consistent with the arbitration provider’s rules. However, the arbitrator may award you reimbursement of your reasonable attorneys’ fees and costs if you prevail in arbitration, to the extent allowed by law.
• Survival: This arbitration agreement shall survive the termination of your use of our Service.

• No Waiver & Severability: No waiver by the Company of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or any other term. Similarly, if any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
• Assignment: You may not assign or transfer your rights or obligations under these Terms to anyone without our prior written consent. We may assign our rights and obligations to an affiliate or in connection with a merger, acquisition, sale of assets, or by operation of law, or otherwise at any time. These Terms will insure to the benefit of and be binding upon each party’s successors and permitted assigns.
• Entire Agreement: These Terms (along with the incorporated Privacy Policy and any other legal notices on the Site) constitute the entire agreement between you and Makedebtgone.com regarding your use of the Site and Services. They supersede any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us relating to your use of the Service.
• Governing Law: Except to the extent preempted by federal law, these Terms and any disputes arising under them are governed by the laws of the State of California, without regard to its conflict of law principles. Subject to the Arbitration clause above, you agree that any legal action or proceeding relating to these Terms (that is not arbitrated) shall be brought in the state or federal courts located in California, and you consent to the jurisdiction of such courts.
• Survival: Any provisions of these Terms which by their nature should survive termination (including Consent to Contact, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Release, Dispute Resolution, and Miscellaneous terms) shall survive the termination of your access to the Site or Service, whether we terminate your access or you voluntarily discontinue use.
• No Agency: No joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms or your use of the Site or Service. You do not have any authority to bind the Company in any respect.
• Headings & Interpretation: The section headings in these Terms are for convenience only and have no legal or contractual effect. Words like “including” shall be interpreted to mean “including without limitation.”
• Contact Information: If you have any questions, concerns, or notices regarding these Terms or the Service, you may contact us at privacy@makedebtgone.com. (Please refer to our Site’s Contact section or Privacy Policy for the most up-to-date contact information.)