Last Updated: January 5, 2025

This website is operated and owned by Debt Free Day LLC. Through its network of websites, Debt Free Day LLC provides users (referred to as "you" or "the User") with access to a variety of content, resources, communication tools, public forums, e-commerce platforms, and other services (collectively referred to as "The Service"). By accessing or using this website, you agree to comply with these Terms of Service.

This Agreement includes a mandatory arbitration provision that affects your legal rights. By using this Site, you agree that any disputes related to the Site's content or its use will be settled through binding arbitration, rather than through class action lawsuits or jury trials. Please refer to the Arbitration section below for more information about your option to opt-out from this arbitration agreement.

Debt Free Day LLC is not responsible for providing the necessary equipment or access facilities for using its services. You also acknowledge that the Service may include advertisements or sponsorships, which are essential for supporting the operations of the site.

Moreover, Debt Free Day LLC does not make any guarantees or representations regarding the accuracy, reliability, availability, or suitability of the information, products, services, or related content provided through the Service. The Service is offered “as is,” with no warranties of any kind, and Debt Free Day LLC disclaims all warranties and conditions associated with the Service.

UNDER NO CIRCUMSTANCES DOES DEBT FREE DAY LLC ADVERTISE, OFFER, OR SELL CREDIT REPAIR SERVICES THROUGH THIS WEBSITE OR ANY OTHER CHANNEL.

Further Description of the Service

Debt Free Day LLC's website offers information on debt resolution services, including debt negotiation and settlement services, as well as other related services provided by Debt Free Day LLC or its affiliates. To access the website, you must have access to the world wide web, either directly or through devices that allow you to access web-based content, and cover any associated service fees. Additionally, you are responsible for providing the necessary equipment, such as a computer and modem or other access devices, to connect to the internet.

Eligibility

The Service is available to individuals who are legally capable of entering into and forming contracts under applicable laws. If you meet these eligibility requirements, you are welcome to use the Service. If you have any questions regarding your eligibility, please feel free to reach out for clarification.

Acknowledgment and Acceptance of Terms of Service

By using the Services or accessing Debt Free Day LLC websites, you agree to comply with all terms, conditions, policies, and guidelines set forth in this document, as well as any updates or modifications made. The Service is provided to you, the User, based on these terms and any future amendments, including any operational rules or policies that Debt Free Day LLC may publish periodically as part of the Terms of Service, Legal Disclaimer, and related disclosures, which are incorporated by reference. These Terms of Service represent the entire agreement between you and Debt Free Day LLC regarding the Services and replace any previous agreements related to this subject matter.

Modification of These Terms of Use

Debt Free Day LLC reserves the right to modify any of the terms, conditions, and notices under which the Services are provided. You are responsible for reviewing these terms and conditions regularly, including any changes or modifications that may be incorporated from time to time. Your continued use of the Service signifies your acceptance of all such terms, conditions, and notices.

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Modification of the Service

Debt Free Day LLC reserves the right, at its sole discretion, to modify, suspend, or discontinue the Service (or any part of it), either temporarily or permanently, with or without prior notice to the User. By using the Service, the User agrees that Debt Free Day LLC shall not be held liable to the User or any third party for any modifications, suspensions, or discontinuations of the Service, in whole or in part.

User Conduct

By using the Service, you, the User, agree to:

1. Provide true, accurate, current, and complete information about yourself as required;
2. Maintain and promptly update your Registration Information to ensure it remains accurate, current, and complete.

If any information provided is untrue, inaccurate, outdated, or incomplete, Debt Free Day LLC reserves the right to terminate your account and deny current or future access to the Service. Additionally, Debt Free Day LLC may use and disclose aggregate registration information to third parties for marketing purposes, in accordance with its privacy policy. By using the Service, you also consent to Debt Free Day LLC using your registration information for targeted advertising and promotional offers, which may include customized content, fulfilling product requests, and notifying you about special offers or new products through email or other channels.

Usage Obligations

As a condition of using the Service, you agree not to use the Service for any illegal purposes. You will be solely responsible for the content of any transmissions made through the Service.

You agree not to use the Service to:

• Interfere with the enjoyment of the Service by other Users or disrupt the Service in any way.
• Break any local, state, national, or international laws or regulations.
• Impersonate any person or entity, or falsely claim affiliation with any person or organization.
• Disrupt or interfere with the Service, servers, or networks connected to the Service, or violate the rules, regulations, or guidelines of connected networks.
• Send unsolicited messages such as surveys, chain letters, spam, or any unwanted communications (commercial or otherwise).
• Upload, post, email, or transmit any material that is unlawful, harmful, offensive, or invasive of privacy, including content that is harassing, defamatory, obscene, or otherwise objectionable.
• Upload or post content that is protected by intellectual property rights (such as patents, trademarks, or copyrights), unless you own the rights or have obtained the necessary consents.
• Upload files containing viruses or malicious software designed to disrupt or damage computers, telecommunications equipment, or other property.
• Advertise, promote, or sell goods or services for business purposes, unless explicitly permitted by the Service.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service for commercial purposes, unless the Service specifically allows such actions.

These guidelines ensure the safe and fair use of the Service for all Users.

External Links in the Services

The Service may contain links to external websites or resources, including, but not limited to, sites that provide information about the credentials and disciplinary history of professionals. Since Debt Free Day LLC does not control these external sites or resources, you acknowledge and agree that Debt Free Day LLC is not responsible for the availability or accuracy of these external websites. Furthermore, Debt Free Day LLC does not endorse, and will not be held liable for, any content, information, advertising, products, or other materials found on or accessible through these third-party sites. You further agree that Debt Free Day LLC will not be liable for any loss or damage, direct or indirect, caused by the use of or reliance on content, goods, or services available through these external resources.

Debt Free Day LLC's Proprietary Rights

You acknowledge and agree that the Service, along with any associated software (“Software”), contains proprietary and confidential information that is protected under applicable intellectual property laws. You also acknowledge that the content provided through the Service is safeguarded by copyrights, trademarks, patents, and other relevant legal protections. Unless explicitly authorized by Debt Free Day LLC, you agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Service or Software, in whole or in part.

Limitation of Liability

You expressly acknowledge and agree that, to the extent permitted by law, Debt Free Day LLC 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, use, data, or other intangible losses (even if Debt Free Day LLC has been advised of the possibility of such damages), arising from:

1. The use or inability to use the Service;
2. The cost of obtaining substitute goods and services due to the purchase of goods, data, information, or services, or the receipt of messages, or entering into transactions through or from the Service;
3. Unauthorized access to or alteration of your transmissions or data;
4. The actions or conduct of any third party using the Service;
5. Any other issue related to the Service.

Indemnity

You agree to indemnify and hold Debt Free Day LLC, along with its subsidiaries, affiliates, officers, agents, co-branders, partners, and employees, harmless from any claims or demands, including reasonable attorney's fees, made by any third party arising from:

1. The content you submit, post, or transmit through the Service;
2. Your use of the Service, or your connection to the Service;
3. Any violations of these Terms of Use (whether alleged or otherwise);
4. Your violation of any rights of another party, whether direct or indirect (including, but not limited to, claims of misrepresentation or malpractice).

Disputes and Arbitration / Waiver of Class Action

Any dispute arising from your use of this website or any of the Services will be submitted to confidential, binding arbitration in Boise, ID. However, if you have infringed or threatened to infringe upon Debt Free Day LLC's intellectual property rights, Debt Free Day LLC may seek injunctive relief or other appropriate remedies in any state or federal court located in Boise, ID, and you agree to the exclusive jurisdiction and venue of those courts. Arbitration under this agreement will be conducted in accordance with the rules then in effect of the American Arbitration Association. The arbitrator’s decision will be final and binding, subject to review in accordance with applicable laws and regulations governing arbitration awards. The arbitrator’s award may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by law, no arbitration proceeding under this agreement shall be consolidated with any other arbitration involving a separate party, whether through class arbitration or otherwise.

You have the option to opt out of this Agreement to Arbitrate. If you choose to do so, neither you nor Debt Free Day LLC can compel the other to participate in an arbitration process. To opt out, you must notify us in writing within 30 days of the date you first began using this Site under the arbitration terms (or any amendments to them). You may notify us by U.S. mail to:

Attn: Legal Department, Debt Free Day LLC, 1199 W Shoreline Ln, Boise, ID 83702, USA, Or by email to: [email protected].

Your opt-out notice must include:

1. Your full name and residential address
2. The email address and/or mobile phone number associated with your account
3. A clear statement expressing your desire to opt out of this Agreement to Arbitrate.

Special Considerations for International Use

Given the global reach of the internet, you agree to comply with all local laws and regulations regarding online conduct and the sharing of acceptable content. Specifically, you agree to adhere to any laws governing the transmission of technical data from the United States or from the country in which you reside.

Content Provided to the Service

Debt Free Day LLC does not claim ownership of the content you provide to the Service, including but not limited to data, text, software, music, sound, photographs, graphics, video, messages, or any other materials (such as feedback and suggestions) that you post, upload, transmit, input, or submit for public review. However, by submitting such content or materials, you grant Debt Free Day LLC and its affiliated sites an unrestricted, irrevocable license to use your submission in the operation of their business. This includes, but is not limited to, the rights to:

• Copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your submission
• Publish your name in connection with your submission

Copyright Infringement Policy

In compliance with the Digital Millennium Copyright Act (DMCA), Title 17 United States Code Section 512(c)(2), we will investigate all notices of copyright infringement and take appropriate corrective actions. If you believe that any content on this website has been used or copied in a way that infringes upon your copyrighted work, please submit a written notice of copyright infringement to the designated agent for this website. The notice should include the following information, as required by the DMCA:

1. A physical or electronic signature of the copyright owner or the person authorized to act on behalf of the copyright owner;
2. A description of the copyrighted work(s) that you claim have been infringed, including the copyright date;
3. Identification of the specific content you believe to be infringing and a request for its removal or to disable access to it, along with a description of its location on the website;
4. Contact information that allows us to reach you, such as a physical address, telephone number, and email address;
5. A statement that you have a good faith belief that the use of the content is not authorized by you or the copyright owner, its agent, or the law;
6. A statement that the information provided in your notification is accurate, and that under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

Debt Free Day LLC’s designated agent for receiving written notices of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims

Debt Free Day LLC

1199 W Shoreline Ln, Boise, ID 83702, USA

Email: [email protected]

Applicable Law

By accessing Debt Free Day LLC's websites, you agree that this Agreement and any disputes that may arise between you and Debt Free Day LLC will be governed by the applicable laws, without regard to conflict of laws principles, and in accordance with the laws of the relevant jurisdiction.

Disputes

Any dispute related to your visit to this website or your use of any of the Services will be submitted to confidential, binding arbitration. If you have violated or threatened to violate Debt Free Day LLC's intellectual property rights, Debt Free Day LLC may seek injunctive relief or other appropriate remedies in any court of competent jurisdiction, and you consent to exclusive jurisdiction and venue in those courts. Arbitration will be conducted according to the rules of the American Arbitration Association, and the arbitrator's award will be binding, enforceable as a judgment in any court with proper jurisdiction. To the fullest extent allowed by law, no arbitration under these terms will be consolidated with any arbitration involving other parties, whether through class arbitration or otherwise.