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Acceptance of Terms of Use

This website, (" ") requires that all visitors ("you") to this web site ("Site") adhere to the following Terms of Use ("TOU"). By accessing and using the Site you acknowledge your agreement to these TOU. If you do not agree to these TOU, please do not access or use the Site.

Description of Services

This Site provides you with access to information concerning debt relief options and services provided, upon request, by independent service providers, along with a variety of educational articles and video resources (collectively "Services"). The Services, including any modifications, deletions, updates, improvements, and new features (collectively "Site Changes") are subject to these TOU. reserves the right to make any Site Changes at any time and in any manner, without prior notice.

Use Limitation
Personal Use

The Services are for your personal use. Except as otherwise expressly stated, users and visitors may not modify, copy, distribute, transmit, display, perform, publish, license, transfer, or sell any information, software, products or services obtained from the Services.

Children Under 13

We do not knowingly solicit data online from, or market online to, children under the age of 13.

No Unlawful or Prohibited Use

As a condition of your use of the Services, you agree that you will not use the Services for any purpose that is unlawful or prohibited by these TOU. You may not use the Services in any manner that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or interfere with any other party's use and enjoyment of any Services. You may not attempt to secure unauthorized access to any Services, other usernames, computer systems or networks connected to any server or to any of the Services, through hacking, password mining or any other means. You may not acquire or attempt to acquire any materials or information through any means not intentionally made available by the Services.

Removal of Proprietary Notice

You agree not to remove any and all proprietary notices from materials you may obtain through the Services, including but not limited to, copyright or trademark notices.

Loans and Credit

Nothing on this site is a promise to make a loan. All information and/or consultations relating to the specific fitness of a debt relief program to meet the needs of any individual are made by the service providers to whom you are, upon request, referred does not help you obtain credit. Https:// does not help you improve your credit report, credit history, credit score or rating, or help you dispute information contained in your credit report.

No Legal Advice does not provide legal advice. Every person's financial situation is unique and the fitness or suitability of any debt relief program should be carefully reviewed prior to making any decision with respect to enrolling in any program. Furthermore, it is recommended that any individual exploring debt relief options consult with a financial services professional, as well as debt relief service providers, to fully understand the potential benefits of debt relief, as well as the potential risks, including impact on personal credit standing and scores, legal liability, and potential tax consequences of debt relief programs.

Privacy Policy

We believe that the responsible use of personal data and information is vital to the continued success of the Internet. Accordingly, we are committed to protecting and safeguarding your right to privacy while using the Services. For further information, please see our Privacy Policy.

Transmission of Personal Data

You acknowledge and agree that by providing with any personal information through the Services, you provide your express consent to the transmission of such personal or proprietary information as necessary for processing requests for assistance.

Rights owns this Site and owns and/or retains the rights to all text, logo or graphic images appearing on this site, and all such content, including articles and video assets are protected by copyright, trademark, and other applicable laws. Nothing in these TOU transfers any of these rights to you or any third party.

Special Notice - Service Providers is not a debt relief services provider, but serves, upon request, as a third-party referring entity whose commitment is to improve lives through in-depth educational content, audio and video that empowers consumers to make wise and educated decisions. We are not responsible for any services provided by debt relief service providers. The selection of a service provider and the transaction of business with the service provider is your responsibility alone, and should be undertaken only after a thorough investigation and review, including but not limited to reviewing the benefits, as well as potential risks, of any debt relief option. The debt relief service provider is solely responsible for the services it provides to you, and you agree that 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 services of any debt relief service provider you may have engaged.

Special Notice - Interactive Services

The Services may include interactive services to enable you to communicate with others ("Interactive Services"). By participating in an Interactive Service, you agree not to use the Interactive Service to send or post on message boards or any place on the Site any message or material that is improper. By way of example, and not as a limitation, you will not: (i) defame, harass, threaten, or otherwise violate the legal rights of others; (ii) post or transmit any message, data, image, or program that would violate the property rights of others, including unauthorized copyright text, images or programs, trade secrets or other proprietary confidential information, and trademarks or service marks used in an infringing manner; (iii) display or distribute any information that is false, misleading, obscene, profane, sexually oriented, racially offensive, abusive or libelous; (iv) interfere with other users use of this Site; (v) post or transmit any file which contain viruses, worms, "Trojan horses", time bombs, or the like that may damage the operation of the computer or property of another; (vi) use the Interactive Service in a commercial manner to post messages or solicitations in message boards or during live chats; or (viii) use the Interactive Service in connection with otherwise objectionable material or that encourages conduct that would constitute a criminal offense or give rise to civil liability or otherwise violate any applicable law.

We reserve the right to disclose any information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post, or remove any information or materials, in whole or in part, from the Site in our sole discretion. You agree not to post any copyrighted information unless you have the consent of the owner of that information. If you post material in violation of this promise, you will be responsible for any damages.

Special Notice - Tools Available on the Site

The Services may include tools such as financial and/or budget and payoff calculators ("Tools"). Any and all Tools that are made available for use from the Site are the copyrighted work of

Special Notice - Documents Available on the Site

We grant users permission to use documents that are made available for downloading from the Site (the "Documents") provided that your use of such Documents is in accordance with these TOU.

Disclaimer of Warranties

The site, services (including without limitation, articles, educational materials, audio resources, and video resources) and all other information or services available through this site, including text and images, are provided "As is," "Where is," and "As available," by, as a convenience to all users without representation or warranty of any kind including, but not limited to, any express or implied warranties (I) of merchantability or fitness for a particular purpose; (ii) of informational content or accuracy; (iii) of non-infringement; (iv) of quiet enjoyment; (v) of title; (vi) that this site or services will operate error free, or in a continuous and uninterrupted fashion; (vii) that any defects or errors will be corrected; or (viii) that this site, services (including without limitation, all articles, media, audio, video, and other resources or tools) is compatible with any particular hardware or software platform. Efforts by to modify the site shall not be deemed a waiver of these limitations. The site, informational resources and/or tools could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. reserves the right to make changes to this site without notice, at any time, and from time to time.

Limitation of Liability shall not be liable to you or any third party for any financial loss, loss of use, loss of data, interruption of business, or any direct, indirect, incidental, special or consequential damages of any kind regardless of cause, whether arising under these tou or otherwise, even if was advised of the possibility of such damages or was negligent. This limitation on liability includes, but is not limited to, the transmission of any viruses that may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure event. In those jurisdictions that prohibit the exclusion or limitation of liability for consequential or incidental damages,’s liability is limited to the greatest extent permitted by the law.


You agree to defend, indemnify, and hold, its partners and their officers, directors, employees, agents, contractors harmless from and against any and all claims, liabilities, losses, suits, damages, disputes, or expenses, including reasonable attorney's fees and costs, arising out of or in any way related to your use of the Site and resources herein (including without limitation, articles, audio resources, video resources, and/or financial and/or budgeting tools).

Governing Law and International Use

This Site is controlled by from its New York, New York office in the United States of America. This Site only is directed to persons in the continental United States, Hawaii and Alaska, however, it may be accessed from many different places around the world. As each of these places has laws that may differ from those of the State of New York, by accessing this Site, you agree that the statutes and laws of the State of New York, without regard to the conflicts of laws principles, will apply to all matters relating to the use of this Site. You further agree that exclusive jurisdiction for all disputes, claims or controversies relating to use of this Site shall be only in the federal or state court with competent jurisdiction in the State of New York. You consent to the exercise of personal jurisdiction by such courts in any such action. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.


These TOU constitute the entire agreement between you and and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and with respect to this Site, Services (including without limitation, Interactive Services, educational resources, audio and video resources) and Documents. If any part of these TOU is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these TOU shall continue in effect. Please be advised that a printed version of these TOU and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these TOU to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

For More Information

If you have any comments, concerns or questions regarding these TOU policy, please contact us at [email protected]

Last Updated: February 17, 2022 is an independent marketing service that is supported by advertising. It is not provided by the companies whose products and service are discussed. Opinions expressed here are alone and have not been reviewed, approved or otherwise endorsed by any third party. The company is not a lender, creditor, or debt collector. Consumers may access a variety of consolidation options in addition to a loan. Consumers should be aware that interest rates for consolidation loans typically range from 5.99% to 35.99% Annual Percentage Rate (APR). It is recommended that consumers consult with a qualified financial advisor before taking on a consolidation loan. We do not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry. This website is owned and operated by AXAD ,LLC, a provider of information and resources to help consumers understand and access consolidation options.