Terms Of Service

Through its website, “Debt Advice” provides “The users” access to its content, resources, communication tools, public forums, and other services.  Advertisements and sponsorships that are essential for “Debt Advice” to provide “The Services” may also be included in the site. “Debt advice” does not provide any guarantee or representation about the suitability, reliability, availability, timeliness, and accuracy of the information, products, graphics used in the site for any purpose.  We disclaim the warranties and conditions regarding the use of the site.

Acknowledgment and acceptance of the terms of services

The website terms of services is a legal agreement between “The Users” and “Debt Advice” and cover all the aspects related to the use of the website. You are advised to read the terms of services carefully. By using our website you acknowledge to have read,understood and agree to be bound by these terms of service. If you do not agree to the terms of service, you may immediately leave our site.

Modification to the terms of use

“Debt advice” reserves the right to make amendments to the terms, conditions and notices from time to time. You are encouraged to regularly review the terms and conditions to remain up to date about all such changes that we incorporate.

Modification to the website

“Debt advice” reserves the right to modify, edit or discontinue the site temporarily or permanently with or without any prior notice to the users.  In any case, Debt Advice shall not be liable to the users or any third party for modifications that may take place.

User conduct

The site may contain email services, message boards, chat areas, newsgroups, and public forums to facilitate communication with others. You agree to use the communication tools only for the purpose of posting, sending and receiving messages and material that are related to a particular communication tool.

To use our site, “The User”  must fulfill certain conditions (a)  while registering, the user must provide true, accurate and complete information about himself (b) maintain the accuracy, and completeness of the information by updating it.  If any information is found to be untrue or inaccurate, we reserve the right to terminate your user account (c) we reserve the right to disclose your information to third parties for the marketing of services.  You also agree to give Debt Advice the right to use your registration information for providing the service offers.

Usage Obligations

You agree that you shall not use our site for any illegal purpose. You will be solely responsible for any such transmission taking place through our site. You agree to not use our site for the following purposes:

• Indulge in any activity that would hinder or obstruct the other users from using and enjoying the use of the website.
• Breach any applicable local, state, national, and international laws.
• Make a misrepresentation of your affiliation with a person or entity.
• Perform any activity that would disrupt the site or the network or the servers associated with the site.
• Upload, post, email or make available any unlawful, offensive or hostile content.
• Upload post or make available any content that is protected by patent, trademark, copyrights or any other intellectual property laws.
• Upload files that contain viruses or any malicious program that may disrupt the operations of the computer system.
• Collect or store personal information related to other users of our site.
• Advertise, promote or sell any goods or services or commercial purposes.
• Reproduce or duplicate or use any portion of the site for business purposes.
• Breach the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law.
• Perform any activity that would endanger the US military personnel.

“Debt advice” reserves the right to edit, modify or remove any material or information available on the website.  “Debt advice”, in its sole discretion also reserves the right to terminate your website access anytime with or without any prior notice, if you fail to comply with the terms of use. Subject to the attorney client privilege, we have the right to disclose any information that is mandatory for satisfying any applicable law, regulation or governmental request.

User account, Password and Security

The users have to provide us complete, accurate and reliable information for the registration purposes. The users will be provided a username and password after registration. You take full responsibility to ensure the confidentiality, of your account and password.  You will be responsible for all the activities that take place within your account.  In case of any violation or unauthorized use of your account, you should immediately notify “Debt Advice” without any delay.  You consent to exit your account after each session. “Debt advice” shall not be liable for any loss or damage that arises due to inappropriate or unauthorized use of your account, may it be with or without your knowledge.  You may be held responsible for the loss or damage incurred by “Debt Advice” due to the failure to comply with this clause. You also agree to not use the account of any other user without their approval.

Limitation of liability

“Debt advice” shall not be responsible for any direct, indirect, incidental, special or consequential loss or damage including but not limited to damages for loss of profits or goodwill or intangible loss arising due to: (a) use of the site (b) the cost of procuring substitute goods or services from any goods, data or information or transaction entered via our website (c) unauthorized access to or any sort of alteration of your transmission or data (d) any other matter concerning the services.

Content Provided To the Site

“Debt Advice” does not claim ownership of the content, or post or upload or privately transmit to our site for public review.  You grant “Debt Advice” the permission to use your submission by posting or making available the content or any other information in relation to their internet businesses including without any sort of limitation the right to copy, distribute, transmit, reproduce or edit your submission and to publish your name in relation to your submission.

Disclosures and Warnings

Debt settlement solutions are not suitable for every individual. If you fail to pay your monthly payments on time, you may have to deal with increased balances and also your credit rating may get adversely affected.  Also, it is not compulsory that all the creditors may agree to reduce your debts. Some may want to pursue collection and they may even file a lawsuit.