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Last Updated: December 23rd, 2019

Privacy Policy

At Debt Advisor, user privacy is an important concern. We are committed to privacy and security, and to providing the best possible user experience for our users and online customers. We also strive to protect the personal and confidential information of those who use our on-line services and website. Click here for our entire Privacy Policy. This policy may be updated by us from time to time, so please check here frequently.

Terms of Use

THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES AND A WAIVER OF YOUR CLASS ACTION RIGHTS.

Please read this agreement ("Agreement") carefully before using our website at https://www.debtadvisor.com. By accessing or using our website, you agree to be bound by this Agreement and all of its terms without change as well as the Privacy Policy posted to this website, which is incorporated into this Agreement by reference. This Agreement is between Debt Advisor, LLC d/b/a Debt Advisor ("Debt Advisor") and you the user. As such, you must read this Agreement and the Privacy Policy before requesting services and/or products from our marketplace of third-party debt relief providers, financial service providers, aggregators, direct mail marketers, and email marketers (“Service Providers”, or “Service Provider”). This Agreement will take effect at the moment you submit your request form ("Request", "Request Form" or "Form") to be connected with one or more Service Providers participating in our marketplace, and/or begin downloading, accessing, or using our service, whichever is earliest. If you do not agree with this Agreement and the Privacy Policy, you are not granted permission to access or otherwise use our service.

All references herein to "we" mean Debt Advisor including its successors and assigns, which operates the website and the service. All references herein to "individual" or "you" refer to any user of this website and the service.

Debt Advisor and its representatives assume no responsibility for any consequence relating directly or indirectly to any action or inaction based on the information, services, or other material on our website or any other website or Service Provider you use based on our referrals. While we strive to keep the information on this website accurate, complete and up-to-date, Debt Advisor and its representatives cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information or services on the website.

WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A DEBT RELIEF PROVIDER, FINANCIAL SERVICE PROVIDER OR ANY PARTICULAR DEBT RELIEF OR LOAN PROGRAM OR THAT YOU WILL RECEIVE DEBT RELIEF ASSISTANCE OR A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER SERVICE OR LOAN TERMS OFFERED AND MADE AVAILABLE BY SERVICE PROVIDERS THROUGH THIS SERVICE ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL SERVICE PROVIDERS PARTICIPATING IN THIS SERVICE CAN PROVIDE YOUR REQUESTED SERVICE, PRODUCT, OR LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU ARE PROVIDING EXPRESS WRITTEN CONSENT UNDER THE FAIR CREDIT REPORTING ACT FOR OUR SERVICE PROVIDERS WITH WHOM YOU ARE CONNECTED TO OBTAIN YOUR CONSUMER CREDIT REPORT FROM YOUR CREDIT PROFILE OR OTHER INFORMATION FROM CONTRACTED CREDIT BUREAU(S) ASSOCIATED WITH YOUR PRE-QUALIFICATION FOR CREDIT INQUIRY.

Personal and Noncommercial Use Limitation: Prohibited Uses

We connect you with our marketplace of third party Service Providers. The service ("Service") consists of these connections or referrals and any related information we provide. We grant you access to this website during the term of this agreement solely to receive the Service. You may access, download, and print materials as necessary to receive the Service. You may not license, copy, distribute, create derivative works from, frame in another Web page, use on any other website, or sell any information, databases, or lists obtained from this website. When we request, you agree to provide true, accurate, and complete user information. You will comply with all privacy laws.

Eligibility Requirements

You must be at least 18 years of age (or the age of majority in your state of residence) to use our Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Request Form. THE DEBT RELIEF SERVICE IS NOT AVAILABLE TO RESIDENTS OF PENNSYLVANIA.

Service Request Process

The Service attempts to connect Individuals who complete and submit a Request with one or more Service Providers. To use the Service, you must complete and submit the information requested in the Request Form, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Request Form is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.

By submitting your loan request you are providing written consent under the Fair Credit Reporting Act to Debt Advisor and its Service Providers and agree that (a) you are submitting an inquiry to us about services, products and/or loans offered by Service Providers, (b) we will share some or all of your information provided on your Request Form with Service Providers, consistent with the terms of our Privacy Policy, and (c) your consent allows Service Providers to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a service, product and/or loan from them, including by verifying your social security number, reviewing your information against national databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash.

Consent for Electronic Signatures, Records, and Dislcosures ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be connected with one of our Service Providers. In order to offer you a service, product and/or loan, the Service Providers need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records.. You may request any Disclosures in paper copy by contacting the Service Provider directly. The Service Provider will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the Service Provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the Service Provider may process your information and interact during all online interactions with you electronically. The Service Provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or our Service Providers' websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the Service Providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the Service Providers.

Withdrawing Consent. Your E-Consent for our connecting service and for our Service Providers' consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more Service Providers, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining the service, product and/or credit from the Service Provider. Contact the Service Provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep Service Providers informed of any change in your electronic address or mailing address. You may update such information by logging into the Service Provider's website or by sending the Service Provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO THIS AGREEMENT. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THIS AGREEMENT. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES AND/OR PRODUCTS FROM SERVICE PROVIDERS OVER THE INTERNET.

Under the federal E-SIGN Act and related state laws, with your consent, we can deliver such required information to you electronically and can use electronic records and electronic signatures in connection with your transactions with Service Providers in our marketplace. If you do not want to receive the required information electronically, or do not want to use electronic signatures in connection with your transactions with the Service Providers, you should not agree to the terms of this agreement. If you do not consent to receiving the required information electronically, or do not consent to the use of electronic signatures in connection with your transactions with Service Providers in our marketplace, we will not be able to proceed with you.

Information Review Process.

If one or more Service Providers review the information provided on your Request Form and determine that you meet its qualification criteria, we will provide you the name(s) and contact information of the Service Provider(s) or redirect your browser to their website. Once we connect you with a Service Provider in either manner, we have no further involvement in the Request or approval process. Your subsequent interactions with the Service Provider are subject to their privacy policies, terms of use, and other policies or terms enforced by that Service Provider. In addition, Service Providers who review your information may contact you at a later time to offer their products and services to you.

I expressly authorize the Service Provider I am connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the Service Provider for the purpose of evaluating me for credit.

We are not responsible for any failure or delay in providing the Service caused by errors, inaccuracies, or falsity in any of the Request information provided by you or by any technical problems beyond our reasonable control.

We are not an agent of you or any Service Provider. We are not involved with the Service Provider's review and/or use of your Request information or in making a determination about whether you meet a particular Service Provider’s qualification criterion. We do not recommend or endorse the service, product or loan of any particular Service Provider. The Service Provider is solely responsible for its services to you, and you agree that we shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the Service. You understand that Service Providers may keep your Request information for their own business and marketing purposes, whether or not you qualify for a service, product and/or loan with them.

License

This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Site conditioned on your continued compliance with the terms and conditions of this Agreement. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use in any manner not expressly permitted herein the website. Moreover, you may not (i) use any "deep link," "page scrape," "robot," "spider," or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of this website or in any way reproduce or circumvent the navigational structure or presentation of this website to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the website, (ii) attempt to gain unauthorized access to any portion or feature of this website, including, without limitation, the account of another individual or any other systems or networks connected to this website or to any of our servers or to any of the services offered on or through the website, by hacking, password "mining," or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of this website or any network connected to the website, nor breach the security or authentication measures on this website or any network connected to the website, (iv) reverse look-up, trace, or seek to trace any information on any other User of or visitor to the website, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this website or our systems or networks or any systems or networks connected to the website, (vi) use any device, software, or routine to interfere with the proper working of this website or any transaction conducted on the website, or with any other person's use of the website, (vii) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to us on or through the website, (viii) use the website to harvest or collect e-mail addresses or other contact information; or (ix) use this website in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact us. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, INFORMATION, OR MATERIALS PROVIDED BY US TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.

Proprietary Rights

All materials on this website (as well as the organization and layout of the website) are owned and copyrighted, licensed by, or used with permission that is granted to Debt Advisor. No reproduction, distribution, or transmission of the copyrighted materials on this website is permitted without the prior written permission of Debt Advisor. Debt Advisor and other logos, product and service names are trademarks and service marks owned by or licensed to Debt Advisor or its affiliates (the "Marks"). Without the prior written permission of Debt Advisor, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners. No Unlawful or Prohibited Use. .

As a condition of your use of this website, you warrant to Debt Advisor that you will not use this website for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use this website automatically ends.

As a condition of your use of this website, you warrant to Debt Advisor that you will not use this website for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use this website automatically ends.

You may not without our prior written permission use any computer code, data mining software, "robot," "bot," "spider," "scraper" or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on this website or accessed through this website. You may not republish Debt Advisor content or other content from this website on another website or use in-line or other linking to display such content without our permission. You may not introduce viruses, spyware, or other malicious code to this website. You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access our website is virus free.

If you are under the age of 18, you may not use this website.

Disclaimer of Warranties

THE SERVICE AND WEBSITE AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS PROVIDED THEREIN (COLLECTIVELY, "SERVICE INFORMATION") ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, WE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE SERVICE INFORMATION AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE SERVICE INFORMATION. WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, SERVICE PROVIDERS AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE SERVICE INFORMATION FOR ANY PURPOSE, AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY. WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION OR THAT ANY FILES OR INFORMATION THAT YOU ACCESS FROM THE SERVICE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

Debt Advisor does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreements that you may make with any third party. Your business dealings with any third parties, including any Service Providers are solely between you and such third party. We are not responsible to you for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as a result of such dealings.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT DEBT ADVISOR AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, SERVICE PROVIDERS AND AFFILIATES OR ANY OF OUR OR THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS, ASSIGNS, OR SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU 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 ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE WEBSITE OR SERVICES; (ii) THE COST OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO ON THE WEBSITE OR THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE; OR (v) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICES WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT WILL OUR MAXIMUM LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US FOR THE SUBJECT SERVICES OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations above which are lawful in your jurisdiction will apply to you and our liability will be limited to the maximum extent permitted by law. You expressly absolve and release us and our Service Providers from any claim of harm resulting from a cause beyond our or our Service Providers' control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions.

You hereby agree to indemnify and hold us harmless against any claims made by you or your successors arising out of or related to any violation of federal, state or local laws relating to any service, product or loan that you receive through the Service or your interactions with any Service Providers with whom you were connected through the Service.

Links to Third Party Sites

This website may contain hyperlinks to websites operated by parties other than Debt Advisor or its affiliates. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their content. If we post hyperlinks to other websites, this does not mean that we endorse the material on such websites or associate ourselves with their operators. Your access to and use of such websites, including information, material, products and services on such website, is solely at your own risk. Furthermore, because the Debt Advisor Privacy Policy is applicable only when you are on our website, once linked to another website, you should read that site's privacy policy before disclosing any personal information.

Use of Submissions

Should you respond with information including feedback or data such as questions, comments, suggestions, or the like regarding the content of this website, such information will be deemed to be non-confidential. We will have no obligation of any kind with respect to such information and will be free to reproduce, use, disclose, and distribute the information to others without limitation. We will be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including but not limited to developing and marketing products and services incorporating such information.

Changes to Website

We may make improvements or changes in the information, services, products, and other materials on this website, or terminate this website at any time. We may modify this Agreement at any time, and such modifications will be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this website will be deemed your acceptance of the modified Agreement.

Termination

We may temporarily or permanently stop providing the Service (or any features within the Service) to you, or terminate this Agreement, at any time if (a) you have breached any provision of this Agreement, (b) we are required to do so by law, (c) we believe, in our sole discretion, that you have committed fraud with respect to your access to and use of the Service, (d) the Service Provider or other business partner with whom we offer the Service to you has terminated its relationship with us, (e) the provision of the Service to you by us is, in our sole opinion, no longer commercially viable, or (f) we are no longer providing the Service to individuals in the jurisdiction in which you reside or from which you use the Service. Termination is effective without notice.

Dispute Resolution

You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the website or the services provided on the website will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association ("AAA") Consumer Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. §§ 1-16; (3) The arbitration will be held in your county of residence; (4) The arbitrator's decision will be controlled by the terms and conditions of this Agreement; (5) The arbitrator will apply Kansas law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive, consequential or exemplary damages against any party; (8) In the event that the administrative fees and deposits you are required to pay under the AAA rules exceed $125, and you are unable to pay the additional fees and deposits, Debt Advisor retains the right to forward them to the AAA on the your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Debt Advisor retains the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this Arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. The FAA applies to any disputes over arbitrability or the enforcement of this clause. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR AND NOT A JUDGE OR JURY. THE INFORMATION PROVIDED IN THIS AGREEMENT IS NOT INTENDED TO CONTAIN A COMPLETE EXPLANATION OF THE CONSEQUENCES OF ARBITRATION. You may opt out of this arbitration agreement by providing notice to us by US Mail sent to: 124 Broadkill Road #468, Milton, DE 19968 no later than thirty (30) calendar days from the date you accept this Agreement. To opt out, you must send notice in a letter that includes the subject line: "Arbitration Opt Out" along with your full name and the email address you used when consenting to this Agreement.

Miscellaneous

This website is intended to and directed to residents of the United States and all advertising claims contained in this website are valid only in the United States. This Agreement and the resolution of any dispute related to this Agreement or this website will be governed by and construed in accordance with the laws of Kansas, without giving effect to any principles of conflicts of law. Failure by Debt Advisor to insist upon strict enforcement of any provision of this Agreement will not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this website or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. If any of these terms will be deemed invalid, void, or for any reason unenforceable, that term will be deemed severable and will not affect the validity and enforceability of any remaining term.

You may have greater rights, or some of the provisions may be prohibited, by virtue of state or federal consumer protection laws. In such a case, to such extent, the subject provisions shall not apply to you.

This Agreement, including the Privacy Policy, which is incorporated herein, constitutes the entire agreement between you and us with respect to your use of the Service. No waiver by either party of any breach or default hereunder is a waiver of any preceding or subsequent breach or default. Section headlines are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. If any provision of this Agreement is held invalid by a court of competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions contained in this Agreement and the remaining portions of this Agreement shall continue in full force and effect. You agree that this Agreement and all agreements and notices incorporated herein may be automatically assigned by us, in our sole discretion, to a third party. You may not assign your obligations to any other person or entity.

 

Debt Advisor
124 Broadkill Road #468, Milton, DE 19968
(855) 364-DEBT

Debt Settlement is performed by ClearOne Advantage, LLC a member of and abides by the best practices of the American Fair Credit Council. C.P.D. Reg. No. T.S. 12-03822. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Residents of Pennsylvania are not eligible to submit a request for debt relief on this Website.

Please note that all calls with ClearOne Advantage may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the ClearOne Advantage program and get all their debt settled realize approximate savings of 50% before fees, or 30% including our fees, over 24 to 60 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Read and understand all ClearOne Advantage program materials prior to enrollment, including potential adverse impact on credit rating. C.P.D. Reg. No. T.S. 12-03822

**Disclaimer ClearOne Advantage does not charge upfront fees and you do NOT pay our fee until a settlement has been arranged, you approve the settlement, and at least one payment is made towards the settlement. As each situation is unique, fees and costs vary. Please contact us at 888-340-4697 for a free debt analysis and for complete program details.

Debt Advisor may connect you to other trusted debt relief partners if ClearOne Advantage cannot directly help you with your debt relief needs.

© 2020 Debt Advisor, LLC. All Rights Reserved. All trademarks, service marks, trade names, product names and logos appearing on the site are the property of their respective owners. Any rights not expressly granted herein are reserved.