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Terms of Service

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Please read these Terms of Service ("Terms") carefully before using DebtFreeStart.com (the "Site"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By visiting, browsing, or using any part of DebtFreeStart.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, subscribers, and others who access or use the Site.

We reserve the right to update or change these Terms at any time. We will indicate the date of the most recent revision at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

2. Not Legal Advice

The content on DebtFreeStart.com is provided for general informational and educational purposes only. Nothing on this Site constitutes legal advice, and nothing here creates an attorney-client relationship between you and DebtFreeStart.com or any of its contributors, staff, or affiliates.

Bankruptcy law is complex and varies significantly by state, jurisdiction, and individual circumstances. The information on this Site:

  • Is not a substitute for advice from a licensed attorney
  • May not reflect the most current legal developments or case law
  • May not apply to your specific situation
  • Should not be relied upon as a basis for filing bankruptcy or making any legal decision

We strongly encourage you to consult with a qualified bankruptcy attorney licensed in your state before taking any legal action. Many bankruptcy attorneys offer free initial consultations.

3. No Guarantees or Warranties

We make no representations or warranties, express or implied, about the accuracy, completeness, reliability, suitability, or availability of the information on this Site. The Site is provided on an "as is" and "as available" basis without warranties of any kind.

We do not guarantee that:

  • The information on this Site is current, accurate, or complete
  • The Site will be available at all times or free from errors
  • Using the information on this Site will lead to any particular outcome in your financial or legal situation
  • Any specific debt relief strategy will be available to or appropriate for you

Laws, filing fees, exemption amounts, and court procedures change frequently. Always verify critical information with official sources or a licensed professional.

4. Intellectual Property

All content on this Site - including text, graphics, logos, and the overall compilation of content - is the property of DebtFreeStart.com and is protected by applicable copyright and intellectual property laws.

You may access, read, and share links to our content for personal, non-commercial educational purposes. You may not:

  • Reproduce, republish, or redistribute substantial portions of our content without written permission
  • Use our content for commercial purposes without permission
  • Frame or mirror this Site on any other server or wireless device without permission
  • Scrape, harvest, or collect content from this Site using automated means

To request permission for any use beyond what is described above, contact us at the address below.

5. Third-Party Links

Our Site may contain links to third-party websites, including court websites, government agencies, and nonprofit organizations. These links are provided for your convenience and do not constitute an endorsement of the third party or its content. We have no control over external sites and accept no responsibility for their content, privacy practices, or accuracy.

6. Limitation of Liability

To the fullest extent permitted by law, DebtFreeStart.com and its owners, operators, employees, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of or inability to use this Site or its content.

This includes, without limitation, any damages arising from:

  • Reliance on any information provided on this Site
  • Errors, omissions, or inaccuracies in our content
  • Interruption or unavailability of the Site
  • Any action taken or not taken based on information found on this Site

If you are dissatisfied with any portion of the Site or with these Terms, your sole remedy is to discontinue use of the Site.

7. Indemnification

You agree to indemnify, defend, and hold harmless DebtFreeStart.com and its affiliates from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site or your violation of these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the appropriate courts.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted to this page with an updated revision date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

10. Contact

If you have questions about these Terms of Service, please contact us at:

DebtFreeStart.com
Email: [email protected]