Terms & Conditions

By accessing or using the NoMoreDebt website and services, you agree to be bound by these Terms & Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These Terms & Conditions apply to all visitors, users, and others who access or use our services. We reserve the right to update these terms at any time without prior notice.

NoMoreDebt is an informational and referral website that provides:

• Educational content about debt settlement, debt consolidation, and financial relief options
• A free settlement estimator calculator for illustrative purposes only
• Referrals and introductions to licensed, accredited third-party debt relief companies
• Comparison information to help users evaluate debt relief providers

NoMoreDebt is not a debt settlement company. We do not provide legal or financial advice, and we do not enter into debt settlement agreements with consumers directly.

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding agreements
• Not be located in a jurisdiction where our services are prohibited

By using this site, you represent and warrant that you meet all of the above eligibility requirements.

You agree not to use our website to:

• Submit false, misleading, or fraudulent information
• Violate any applicable federal, state, or local laws
• Harvest or collect personal data of other users
• Interfere with or disrupt the security or performance of our website
• Transmit spam, malware, or any harmful code
• Impersonate any person or entity

The settlement estimates provided by our calculator are for illustrative purposes only and do not constitute a guarantee of any specific outcome.

Debt settlement programs may have a negative impact on your credit score and may result in tax consequences on forgiven debt amounts. We strongly recommend consulting with a licensed financial advisor before enrolling in any debt relief program.

Our website contains links to third-party debt relief companies. These links are provided for your convenience and information only.

• We may receive compensation when you click on partner links or submit your information to partner companies
• We do not endorse or guarantee the services of any third-party provider
• Third-party websites have their own terms of service and privacy policies
• We are not responsible for the content, accuracy, or practices of any linked website

Any transactions you conduct with third-party providers are solely between you and that provider.

All content on this website — including text, graphics, logos, icons, images, audio clips, and software — is the property of NoMoreDebt or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content from this website without our express written permission.

To the fullest extent permitted by applicable law, NoMoreDebt, its officers, directors, employees, and agents shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or goodwill
• Damages arising from your use of, or inability to use, our services
• Actions taken by third-party debt relief providers you are referred to

Our total liability to you for any claim arising out of these Terms shall not exceed $100 USD.

You agree to indemnify, defend, and hold harmless NoMoreDebt and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys’ fees — arising out of or in any way connected with:

• Your access to or use of our website and services
• Your violation of these Terms & Conditions
• Your violation of any third-party rights
• Any information you submit that is false or misleading

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida. You consent to the personal jurisdiction of such courts.

We reserve the right to terminate or suspend your access to our website and services at our sole discretion, without notice, for conduct that we believe violates these Terms & Conditions or is harmful to other users, us, third parties, or the reputation of our services.

All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

If you have any questions about these Terms & Conditions, please contact us:

• Email: legal@nomoredebt.com
• Phone: 1-800-555-0199
• Address: NoMoreDebt LLC, 123 Financial Ave, Suite 400, Miami, FL 33101