Last Updated: January 2025
Debt Relief Scores (“we,” “us,” or “our”) provides website content, resources, communication tools, forums, and related services through our website at www.DebtReliefScores.com. By accessing or using our services, you agree to these Terms of Use.
1. Service Overview
We provide our services subject to these Terms of Use. You understand and acknowledge that:
- We do not provide access facilities or equipment for using our service
- Our website may include advertisements and sponsorships necessary for operation
- All services are provided “as is” without warranties of any kind
- We make no representations about the suitability, reliability, availability, timeliness, or accuracy of our content, products, services, or related graphics
2. Agreement to Terms
By using our website and services, you accept these Terms of Use and any amendments we may make. This agreement, including our Privacy Policy and related disclosures, constitutes the entire agreement between you and Debt Relief Scores. When you submit information through our website, you indicate your acceptance of these terms.
3. Modifications
We reserve the right to:
- Modify these Terms of Use at any time
- Change or discontinue any aspect of our services, temporarily or permanently
- Make these changes with or without notice
- You agree to review these terms regularly, as your continued use constitutes acceptance of any changes
4. User Responsibilities
You agree to:
- Provide accurate, current, and complete information when registering or submitting information
- Maintain and update your information to keep it accurate
- Use our communication tools appropriately and legally
- Not use our services for unauthorized commercial purposes
- Allow us to use aggregate registration information as described in our Privacy Policy
5. Prohibited Activities
You may not use our services to:
- Interfere with other users’ access or use
- Violate any applicable laws or regulations
- Impersonate others or misrepresent your affiliations
- Disrupt our services or networks
- Send unsolicited messages or spam
- Post harmful, offensive, or illegal content
- Violate intellectual property rights
- Distribute malicious software
- Harass other users or collect their data
- Conduct unauthorized commercial activities
- Violate financial regulations including the Fair Credit Reporting Act and Fair Debt Collection Practices Act
- Support terrorist activities or endanger military personnel
6. Our Rights
We reserve the right to:
- Monitor and remove any content
- Terminate access to our services at any time
- Disclose information when required by law or to protect our rights
- Edit or refuse to post any information or materials
- Process and store communications data as needed for technical operations
7. Limitation of Liability
Our services are provided “as is.” We disclaim all warranties and conditions regarding our website and services to the fullest extent permitted by law.
8. Dispute Resolution
8.1 Binding Arbitration
Any dispute arising from these Terms or our services shall be resolved through binding arbitration, conducted by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall:
- Be conducted in English
- Take place in Denver, Colorado (either in person or virtually)
- Be decided by one arbitrator
- Remain confidential
8.2 Class Action Waiver
You agree to resolve disputes individually and waive any right to participate in a class action lawsuit or class-wide arbitration.
8.3 Governing Law
These Terms are governed by Colorado law, without regard to conflict of law principles.
8.4 Time Limitation
Any claim arising from these Terms must be brought within one (1) year of the event giving rise to the claim.
9. Intellectual Property Rights
9.1 Ownership
All content, features, and functionality on our website, including text, graphics, logos, designs, and software, are owned by Debt Relief Scores and protected by U.S. and international copyright, trademark, and other laws.
9.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access our content for personal, non-commercial use.
9.3 DMCA Compliance
We respond to copyright infringement notices. Send DMCA notices to: legal@debtreliefscores.com [Physical Address]
10. Data Privacy and Security
10.1 Privacy Policy
Our Privacy Policy, incorporated by reference, explains how we collect, use, and protect your data.
10.2 Third-Party Services
Links to third-party websites are provided for convenience only. We are not responsible for third-party content or privacy practices.
10.3 California Privacy Rights
California residents have specific privacy rights under the CCPA. See our Privacy Policy for details.
11. Account Security
11.1 User Responsibilities
You must:
- Maintain account security
- Use strong passwords
- Keep login credentials confidential
- Report unauthorized access immediately
- Not share or transfer your account
11.2 Account Termination
We may suspend or terminate accounts for:
- Terms violations
- Extended inactivity
- Security concerns
- Legal requirements
- Business necessity
12. Financial Services Disclaimers
12.1 Not Financial Advice
Our content is for informational purposes only and does not constitute financial, legal, or tax advice.
12.2 No Guarantees
We do not guarantee:
- Debt relief results
- Credit improvement
- Acceptance by creditors
- Specific savings amounts
- Program completion timeframes
12.3 Third-Party Services
We are not responsible for services provided by third-party debt relief companies, even those ranked or reviewed on our platform.
13. Indemnification
You agree to indemnify and hold harmless Debt Relief Scores, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your Terms violations
- Your content submissions
- Your illegal activities
- Your misuse of services
- Your violations of others’ rights
14. Force Majeure
We are not liable for service failures due to circumstances beyond our reasonable control, including:
- Natural disasters
- Pandemics
- Cyber attacks
- Government actions
- Network failures
- Power outages
15. Severability & Survival
15.1 Severability
If any provision of these Terms is found invalid, the remaining provisions remain in effect.
15.2 Survival
Sections regarding intellectual property, dispute resolution, indemnification, and disclaimers survive termination.
15.3 Assignment
We may assign our rights and obligations under these Terms. You may not assign your rights without our written consent.
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