These Terms & Conditions (“Terms”) govern your use of taxdebtreliefs.com and your interactions with Debt Reliefs (“we,” “us,” or “our”). By using the website, you agree to these Terms. If you do not agree, do not use the website.
1. Eligibility
You must be at least 18 years old and legally able to enter into an agreement to use this website. The website is intended for users located in the United States. Our focus is credit card debt and unsecured personal loans. Consultations are intended for consumers with at least $8,000 in eligible unsecured debt. Services and eligibility may vary by state and individual circumstances.
2. Informational Purpose
Website content is provided for general informational and marketing purposes. It is not legal, accounting, credit-repair, bankruptcy, or other individualized professional advice. Information on the website is not a substitute for advice from an independent qualified professional.
3. No Government Affiliation
Debt Reliefs is not a government agency and is not affiliated with, endorsed by, or acting on behalf of any federal, state, or local government agency.
4. No Guarantee of Eligibility or Results
Calling or using the website does not guarantee eligibility, enrollment, creditor participation, debt reduction, savings, approval, settlement, or completion within any particular time. Outcomes vary based on creditors, debt type, balances, income, ability to make required deposits or payments, applicable law, and program terms.
5. Risks and Alternatives
Debt-relief approaches may involve fees and may negatively affect credit, increase collection calls or activity, lead to lawsuits, increase balances through interest or fees, or cause forgiven debt to be treated as income, potentially creating reporting and payment obligations to revenue authorities. Not all debts qualify. Before enrolling in any service, review the agreement, fees, risks, alternatives, cancellation rights, and potential income-reporting, payment, or legal consequences.
6. Telephone Communications
When you place a call to the telephone number displayed on the website, standard carrier charges may apply. Calls may be monitored or recorded for quality assurance, training, security, and compliance where permitted by law. Calling us does not by itself create a client, attorney-client, fiduciary, or advisory relationship.
7. Independent Service Providers
We may provide information about or, at your request, connect you with independent debt-relief or professional-services providers. Independent providers control their own services, eligibility decisions, agreements, fees, representations, and information practices. We are not responsible for their acts or omissions unless applicable law expressly provides otherwise.
8. Acceptable Use
You agree not to misuse the website; interfere with its security or operation; attempt unauthorized access; introduce malicious code; scrape or copy content through automated means; impersonate another person; submit false or unlawful information; or use the website in violation of applicable law.
9. Intellectual Property
The website’s design, text, graphics, logos, and other original content are owned by or licensed to Debt Reliefs and are protected by applicable intellectual-property laws. You may use the website only for personal, noncommercial purposes unless we provide written permission.
10. Third-Party Links
Links to third-party websites are provided for convenience. We do not control or endorse third-party content, security, availability, terms, or privacy practices. You access third-party services at your own risk.
11. Disclaimer of Warranties
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, secure, or suitable for every purpose.
12. Limitation of Liability
To the fullest extent permitted by law, Debt Reliefs and its owners, personnel, vendors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of or inability to use the website. Nothing in these Terms excludes liability that cannot legally be limited or excluded.
13. Changes to the Website or Terms
We may modify or discontinue website features and may update these Terms periodically. Updated Terms will be posted with a revised effective date. Your continued use of the website after an update constitutes acceptance of the revised Terms.
14. Severability and Entire Agreement
If a provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms and the Privacy Policy constitute the entire agreement regarding use of the website, except for any separate written agreement governing a particular service.
15. Contact
For questions about these Terms, call (773) 389-7770.