Terms of Use
The rules and limitations that govern your use of this site.
Last updated: April 2025 · Effective date: April 2025
By accessing or using DebtReliefSimple.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.
Nature of this site — educational only
This site is for educational and informational purposes only. Nothing on DebtReliefSimple.com constitutes financial, legal, investment, tax, or credit counseling advice. The content describes how various debt relief options generally work — it does not account for your specific financial situation, goals, or applicable law.
Debt relief decisions are significant and the right choice depends on many factors specific to your circumstances — including your income, assets, the types of debts you carry, your state of residence, and your credit profile. We strongly encourage you to consult qualified professionals — including a nonprofit credit counselor, a licensed financial advisor, or an attorney — before making any significant debt-related financial decision.
No professional-client relationship
Your use of this Site does not create any professional-client relationship between you and DebtReliefSimple.com. Specifically:
- No attorney-client relationship is created by use of this Site
- No financial advisory relationship is created by use of this Site
- No credit counseling relationship is created by use of this Site
- No accountant-client relationship is created by use of this Site
The quiz on this Site is a screening tool only. Its output is based on a simplified five-question framework and does not constitute a professional assessment of your financial situation.
Affiliate relationships
This Site does not currently participate in any affiliate marketing programs and does not earn commissions from third parties. If that changes in the future, all material affiliate relationships will be disclosed prominently on the relevant pages and in our Affiliate Disclosure before any sponsored content is published.
You should independently evaluate any company or product before enrolling or purchasing, regardless of how you found them.
Accuracy and currency of information
We make reasonable efforts to ensure the information on this Site is accurate and current. However:
- Debt relief laws, regulations, and industry practices change frequently
- Interest rates, fee structures, and program terms vary by company and change over time
- Tax laws — including rules around cancellation of debt income — may change
- State-specific laws governing debt relief vary and are not fully addressed on this Site
We do not warrant that any information on this Site is complete, accurate, or current at the time you read it. Information on this Site should be verified with primary sources and qualified professionals before you rely on it.
Third-party websites and services
This Site contains links to third-party websites and resources. These links are provided for your convenience. We have no control over the content, privacy practices, or accuracy of third-party sites, and we are not responsible for any loss or damage that may arise from your use of them.
Clicking a link to a third-party site means you are leaving DebtReliefSimple.com and are subject to the terms and privacy policy of the destination site.
Limitation of liability
To the maximum extent permitted by applicable law, DebtReliefSimple.com, its owner, and any contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of or inability to use this Site or its content — including but not limited to financial losses, credit damage, or decisions made in reliance on information found here.
Your use of this Site and reliance on any information it contains is entirely at your own risk.
Some jurisdictions do not allow the exclusion or limitation of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
Intellectual property
All content on this Site — including text, design, graphics, and code — is the property of DebtReliefSimple.com unless otherwise noted. You may not reproduce, distribute, or create derivative works from Site content without express written permission, except for personal, non-commercial use with proper attribution.
Quoting brief passages for commentary, criticism, or educational purposes is permitted under fair use principles.
Prohibited uses
You may not use this Site to:
- Scrape, harvest, or collect data for commercial purposes
- Attempt to gain unauthorized access to any portion of the Site
- Transmit spam, malware, or any harmful code
- Misrepresent your identity or affiliation
- Use the Site in any way that violates applicable federal, state, or local law
Governing law and jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in California.
Changes to these terms
We reserve the right to modify these Terms of Use at any time. Changes take effect when posted to this page. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the Site after any changes constitutes acceptance of the updated terms.
Contact
Questions about these Terms of Use may be directed to:
info@debtreliefsimple.com
DebtReliefSimple.com