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DebtReductionProgram.com Terms of Service

Please read this agreement ("Agreement") carefully before using our website at https://www.DebtReductionProgram.com. By accessing or using our website, you agree to be bound by this Agreement and all of its terms without change as well as the Privacy Policy posted to this website, which is incorporated into this Agreement by reference. This Agreement is between DebtReductionProgram.com, and you the user. As such, you must read this Agreement and the Privacy Policy before requesting services and/or products from our marketplace of third-party debt relief providers, lenders, financial service providers, aggregators, direct mail marketers, sms and email marketers (“Service Providers”, or “Service Provider”). This Agreement will take effect at the moment you submit your request form ("Request", "Request Form" or "Form") to be connected with one or more Service Providers participating in our marketplace, and/or begin downloading, accessing, or using our service, whichever is earliest. If you do not agree with this Agreement and the Privacy Policy, you are not granted permission to access or otherwise use our service. All references herein to "we" mean DebtReductionProgram.com including its successors and assigns, which operates the website and the service. All references herein to "individual" or "you" refer to any user of this website and the service.

Neither DebtReductionProgram.com nor its representatives are engaged in rendering legal services, debt relief services, lending services, or other such advice. Your use of the website is subject to the additional disclaimers and notices that may appear throughout the website. DebtReductionProgram.com is not a debt relief provider, lender, or financial service provider. DebtReductionProgram.com does not endorse or charge you for any service, product or loan but may receive compensation from the Service Provider(s) for forwarding your information to them. If you submit a request for a service, product and/or loan through this website, we will share your information as may be required in order to connect you with selected Service Providers of the services and/or products you request. See our Privacy Policy for more details.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more Service Providers by telephone, email or postal mail. Your information may be going to an aggregator or marketer and not a debt relief provider, lender, or financial service provider. Your information can be sold multiple times leading to multiple offers from Service Providers, aggregators, and other marketers.

DebtReductionProgram.com and its representatives assume no responsibility for any consequence relating directly or indirectly to any action or inaction based on the information, services, or other material on our website or any other website or Service Provider you use based on our referrals. While we strive to keep the information on this website accurate, complete and up-to-date, DebtReductionProgram.com and its representatives cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information or services on the website.

DebtReductionProgram.com IS NOT A DEBT RELIEF PROVIDER OR LENDER, DOES NOT BROKER LOANS, AND DOES NOT MAKE CASH ADVANCES OR CREDIT DECISIONS. THIS SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE WILL SHARE YOUR SERVICE REQUEST INFORMATION WITH ONE OR MORE SERVICE PROVIDERS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A DEBT RELIEF PROVIDER, LENDER AND/OR FINANCIAL SERVICE PROVIDER OR ANY PARTICULAR DEBT RELIEF OR LOAN PROGRAM OR THAT YOU WILL RECEIVE DEBT RELIEF ASSISTANCE OR A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER SERVICE OR LOAN TERMS OFFERED AND MADE AVAILABLE BY SERVICE PROVIDERS THROUGH THIS SERVICE ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL SERVICE PROVIDERS PARTICIPATING IN THIS SERVICE CAN PROVIDE YOUR REQUESTED SERVICE, PRODUCT, OR LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU ARE PROVIDING EXPRESS WRITTEN CONSENT UNDER THE FAIR CREDIT REPORTING ACT FOR OUR LENDERS AND/OR SERVICE PROVIDERS WITH WHOM YOU ARE CONNECTED TO OBTAIN YOUR CONSUMER CREDIT REPORT FROM YOUR CREDIT PROFILE OR OTHER INFORMATION FROM CONTRACTED CREDIT BUREAU(S) ASSOCIATED WITH YOUR PRE-QUALIFICATION FOR CREDIT INQUIRY.

Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the DebtReductionProgram.com

YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

Personal and Noncommercial Use Limitation: Prohibited Uses

We connect you with our marketplace of third-party Service Providers. The service ("Service") consists of these connections or referrals and any related information we provide. We grant you access to this website during the term of this agreement solely to receive the Service. You may access, download, and print materials as necessary to receive the Service. You may not license, copy, distribute, create derivative works from, frame in another Web page, use on any other website, or sell any information, databases, or lists obtained from this website. When we request, you agree to provide true, accurate, and complete user information. You will comply with all privacy laws.

Eligibility Requirements

You must be at least 18 years of age (or the age of majority in your state of residence) to use our Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Request Form. THE DEBT RELIEF SERVICE IS NOT AVAILABLE TO RESIDENTS OF PENNSYLVANIA. THE LOAN CONNECTING SERVICE IS NOT AVAILABLE TO RESIDENTS OF CONNECTICUT, NEW HAMPSHIRE, VERMONT & WASHINGTON OR TO ACTIVE MEMBERS OF THE MILITARY.

Service Request Process

The Service attempts to connect Individuals who complete and submit a Request with one or more Service Providers. To use the Service, you must complete and submit the information requested in the Request Form, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Request Form is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.

By submitting your request you are providing written consent under the Fair Credit Reporting Act to DebtReductionProgram.com and its Service Providers and agree that (a) you are submitting an inquiry to us about services, products and/or loans offered by Service Providers, (b) we will share some or all of your information provided on your Request Form with Service Providers, consistent with the terms of our Privacy Policy, and (c) your consent allows Service Providers to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a service, product and/or loan from them, including by verifying your social security number, reviewing your information against national databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash.

Consent for Electronic Signatures, Records, and Dislcosures ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be connected with one of our Service Providers. In order to offer you a service, product and/or loan, the Service Providers need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures"). Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the Service Provider directly. The Service Provider will retain all Disclosures as applicable law requires. Scope of Consent. This E-Consent applies to all interactions online concerning you and the Service Provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the Service Provider may process your information and interact during all online interactions with you electronically. The Service Provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or our Service Providers' websites, and may be provided by e-mail. Consenting to Do Business Electronically. Before you decide to do business electronically with the Service Providers, you should consider whether you have the required hardware and software capabilities described below. Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the Service Providers. Withdrawing Consent. Your E-Consent for our connecting service and for our Service Providers' consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more Service Providers, you are free to withdraw your E-Consent with them at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining the service, product and/or credit from the Service Provider. Contact the Service Provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep Service Providers informed of any change in your electronic address or mailing address. You may update such information by logging into the Service Provider's website or by sending the Service Provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO THIS AGREEMENT. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE. CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THIS AGREEMENT. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES AND/OR PRODUCTS FROM SERVICE PROVIDERS OVER THE INTERNET.

Under the federal E-SIGN Act and related state laws, with your consent, we can deliver such required information to you electronically and can use electronic records and electronic signatures in connection with your transactions with Service Providers in our marketplace. If you do not want to receive the required information electronically, or do not want to use electronic signatures in connection with your transactions with the Service Providers, you should not agree to the terms of this agreement. If you do not consent to receiving the required information electronically, or do not consent to the use of electronic signatures in connection with your transactions with Service Providers in our marketplace, we will not be able to proceed with you. Information Review Process. If one or more Service Providers review the information provided on your Request Form and determine that you meet its qualification criteria, we will provide you the name(s) and contact information of the Service Provider(s) or redirect your browser to their website. Once we connect you with a Service Provider in either manner, we have no further involvement in the Request or approval process. Your subsequent interactions with the Service Provider are subject to their privacy policies, terms of use, and other policies or terms enforced by that Service Provider. In addition, Service Providers who review your information may contact you at a later time to offer their products and services to you. I expressly authorize the Service Provider I am connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the Service Provider for the purpose of evaluating me for credit. We are not responsible for any failure or delay in providing the Service caused by errors, inaccuracies, or falsity in any of the Request information provided by you or by any technical problems beyond our reasonable control. We are not an agent of you or any Service Provider. We are not involved with the Service Provider's review and/or use of your Request information or in making a determination about whether you meet a particular Service Provider’s qualification criterion. We do not recommend or endorse the service, product or loan of any particular Service Provider. The Service Provider is solely responsible for its services to you, and you agree that we 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 Service. You understand that Service Providers may keep your Request information for their own business and marketing purposes, whether or not you qualify for a service, product and/or loan with them.

License

This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Site conditioned on your continued compliance with the terms and conditions of this Agreement. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use in any manner not expressly permitted herein the website. Moreover, you may not (i) use any "deep link," "page scrape," "robot," "spider," or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of this website or in any way reproduce or circumvent the navigational structure or presentation of this website to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the website, (ii) attempt to gain unauthorized access to any portion or feature of this website, including, without limitation, the account of another individual or any other systems or networks connected to this website or to any of our servers or to any of the services offered on or through the website, by hacking, password "mining," or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of this website or any network connected to the website, nor breach the security or authentication measures on this website or any network connected to the website, (iv) reverse look-up, trace, or seek to trace any information on any other User of or visitor to the website, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this website or our systems or networks or any systems or networks connected to the website, (vi) use any device, software, or routine to interfere with the proper working of this website or any transaction conducted on the website, or with any other person's use of the website, (vii) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to us on or through the website, (viii) use the website to harvest or collect e-mail addresses or other contact information; or (ix) use this website in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact us. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, INFORMATION, OR MATERIALS PROVIDED BY US TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.

Proprietary Rights

All materials on this website (as well as the organization and layout of the website) are owned and copyrighted, licensed by, or used with permission that is granted to DebtReductionProgram.com. No reproduction, distribution, or transmission of the copyrighted materials on this website is permitted without the prior written permission of DebtReductionProgram.com. DebtReductionProgram.com and other logos, product and service names are trademarks and service marks owned by or licensed to DebtReductionProgram.com or its affiliates (the "Marks"). Without the prior written permission of DebtReductionProgram.com, or its appropriate affiliates, you agree not to display or use in any manner, the Marks. All other trademarks are the property of their respective owners. No Unlawful or Prohibited Use. As a condition of your use of this website, you warrant to DebtReductionProgram.com that you will not use this website for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use this website automatically ends. You may not without our prior written permission use any computer code, data mining software, "robot," "bot," "spider," "scraper" or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on this website or accessed through this website. You may not republish DebtReductionProgram.com content or other content from this website on another website or use in-line or other linking to display such content without our permission. You may not introduce viruses, spyware, or other malicious code to this website. You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access our website is virus free.

If you are under the age of 18, you may not use this website.

Disclaimer of Warranties

THE SERVICE AND WEBSITE AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS PROVIDED THEREIN (COLLECTIVELY, "SERVICE INFORMATION") ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, WE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE SERVICE INFORMATION AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE SERVICE INFORMATION. WE AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, SERVICE PROVIDERS AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE SERVICE INFORMATION FOR ANY PURPOSE, AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY. WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION OR THAT ANY FILES OR INFORMATION THAT YOU ACCESS FROM THE SERVICE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

DebtReductionProgram.com does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreements that you may make with any third party. Your business dealings with any third parties, including any Service Providers are solely between you and such third party. We are not responsible to you for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as a result of such dealings.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT DEBTREDUCTIONPROGRAM.COM AND OUR PARENT, LICENSORS, SUBSIDIARIES, ADVERTISERS, SERVICE PROVIDERS AND AFFILIATES OR ANY OF OUR OR THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS, ASSIGNS, OR SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE WEBSITE OR SERVICES; (ii) THE COST OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO ON THE WEBSITE OR THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE; OR (v) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICES WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT WILL OUR MAXIMUM LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO US FOR THE SUBJECT SERVICES OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations above which are lawful in your jurisdiction will apply to you and our liability will be limited to the maximum extent permitted by law. You expressly absolve and release us and our Service Providers from any claim of harm resulting from a cause beyond our or our Service Providers' control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions. You hereby agree to indemnify and hold us harmless against any claims made by you or your successors arising out of or related to any violation of federal, state or local laws relating to any service, product or loan that you receive through the Service or your interactions with any Service Providers with whom you were connected through the Service.

Links to Third Party Sites

Our Third-Party partners (see list below), which you agree to when you use our Debt Request Services, describes certain Lenders, Lender Clients, Financial Providers, Debt consolidation Providers, Debt Settlement Providers, Debt Advisors, marketers and third-parties who your information may be shared with and/or you may be contacted by. This list may not include every such third-party.

This website may contain hyperlinks to websites operated by parties other than DebtReductionProgram.com or its affiliates. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their content. If we post hyperlinks to other websites, this does not mean that we endorse the material on such websites or associate ourselves with their operators. Your access to and use of such websites, including information, material, products and services on such website, is solely at your own risk. Furthermore, because the DebtReductionProgram.com Privacy Policy is applicable only when you are on our website, once linked to another website, you should read that site's privacy policy before disclosing any personal information.

List of Partners
Turbo Debt, TM Global, QuinStreet

Use of Submissions

Should you respond with information including feedback or data such as questions, comments, suggestions, or the like regarding the content of this website, such information will be deemed to be non-confidential. We will have no obligation of any kind with respect to such information and will be free to reproduce, use, disclose, and distribute the information to others without limitation. We will be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including but not limited to developing and marketing products and services incorporating such information.

Changes to Website

We may make improvements or changes in the information, services, products, and other materials on this website, or terminate this website at any time. We may modify this Agreement at any time, and such modifications will be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this website will be deemed your acceptance of the modified Agreement.

Termination

We may temporarily or permanently stop providing the Service (or any features within the Service) to you, or terminate this Agreement, at any time if (a) you have breached any provision of this Agreement, (b) we are required to do so by law, (c) we believe, in our sole discretion, that you have committed fraud with respect to your access to and use of the Service, (d) the Service Provider or other business partner with whom we offer the Service to you has terminated its relationship with us, (e) the provision of the Service to you by us is, in our sole opinion, no longer commercially viable, or (f) we are no longer providing the Service to individuals in the jurisdiction in which you reside or from which you use the Service. Termination is effective without notice.

Dispute Resolution

You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the website or the services provided on the website will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association ("AAA") Consumer Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. §§ 1-16; (3) The arbitration will be held in your county of residence; (4) The arbitrator's decision will be controlled by the terms and conditions of this Agreement; (5) The arbitrator will apply Puerto Rico law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive, consequential or exemplary damages against any party; (8) In the event that the administrative fees and deposits you are required to pay under the AAA rules exceed $125, and you are unable to pay the additional fees and deposits, DebtReductionProgram.com retains the right to forward them to the AAA on the your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, DebtReductionProgram.com retains the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this Arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. The FAA applies to any disputes over arbitrability or the enforcement of this clause. THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR AND NOT A JUDGE OR JURY. THE INFORMATION PROVIDED IN THIS AGREEMENT IS NOT INTENDED TO CONTAIN A COMPLETE EXPLANATION OF THE CONSEQUENCES OF ARBITRATION. You may opt out of this arbitration agreement by providing notice to us by US Mail sent to: Horsfords Business Centre, Long Point Road, Charlestown, Nevis no later than thirty (30) calendar days from the date you accept this Agreement. To opt out, you must send notice in a letter that includes the subject line: "Arbitration Opt Out" along with your full name and the email address you used when consenting to this Agreement.

Miscellaneous

This website is intended to and directed to residents of the United States and all advertising claims contained in this website are valid only in the United States. This Agreement and the resolution of any dispute related to this Agreement or this website will be governed by and construed in accordance with the laws of Puerto Rico, without giving effect to any principles of conflicts of law. Failure by DebtReductionProgram.com to insist upon strict enforcement of any provision of this Agreement will not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this website or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. If any of these terms will be deemed invalid, void, or for any reason unenforceable, that term will be deemed severable and will not affect the validity and enforceability of any remaining term. You may have greater rights, or some of the provisions may be prohibited, by virtue of state or federal consumer protection laws. In such a case, to such extent, the subject provisions shall not apply to you. This Agreement, including the Privacy Policy, which is incorporated herein, constitutes the entire agreement between you and us with respect to your use of the Service. No waiver by either party of any breach or default hereunder is a waiver of any preceding or subsequent breach or default. Section headlines are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. If any provision of this Agreement is held invalid by a court of competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions contained in this Agreement and the remaining portions of this Agreement shall continue in full force and effect. You agree that this Agreement and all agreements and notices incorporated herein may be automatically assigned by us, in our sole discretion, to a third party. You may not assign your obligations to any other person or entity.: January 2023

DebtReductionProgram.com Privacy Policy

Last Updated: September 2023

This is the online privacy policy for DebtReductionProgram.com (sometimes referred to as the "Site," "Website"). This written policy (the "Privacy Policy") is designed to tell you about our practices regarding the collection, use, and disclosure of information that you may provide via this Website. Please be sure to read this entire Privacy Policy before using, or submitting your information, to this Website. This Privacy Policy has been compiled to serve those concerned with how Website Users Personally Identifiable Information (PII) might be used online. By using this Website, you consent to this Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

What Information We Collect

Personal Information. We collect information that may personally identify you (such as your name, address, telephone number, email address, date of birth, or other data which can be reasonably linked to such information) only if you choose to share such information with us. The decision to provide this information is optional by the consumer, prospect, or customer; however, if you decide not to provide such information, you may not be able to use certain features of the Site or other services, including being referred to a third party that may provide the services that you seek. We may automatically collect non-personal information that does not identify an individual user, such as your IP address, ISP, the Web browser used to visit the Site, the time the Site is visited, which Web pages were visited on the Site, a unique mobile device identifier and other anonymous Site usage data. We may also collect personal information and non-personal information from users via "cookies" (small text files placed by us on user computers), single-pixel GIF image files (also called "Web beacons"), Web server log analysis, and other similar technologies. Such information may be used to track usage trends and enhance the user experience and may be shared with third parties. To the extent third parties may place advertising on the Site, such third parties may utilize cookies or other tracking technologies. We are not responsible for information collected by third parties in this manner, nor for the collection or use of information by other sites to which the Site is linked.

Use of Information

We use your personal information and non-personal information for internal purposes, such as to provide you with the Site and services, to notify you of new products or services, and to otherwise communicate with you. Our partners may contact you on our behalf, but only with your express written consent as set forth below.

Your Consent to Sharing Your Information

We will only share personal data provided when you are opting in, if you have expressly consented in writing for us to share with that particular company or third-party service providers. Such personal and non-personal information will be used to provide information about products and services that we think will interest you. By providing personal information on or through the Site, or in connection with services provided by the Company thereon or in connection therewith, you agree that:

• All the information you have provided is true and correct to the best of your knowledge;
• You are allowing DebtReductionProgram.com, and ANY third-party partners of DebtReductionProgram.com to contact you about products or services; and
• DebtReductionProgram.com may buy, sell, rent, lease, share or provide other trusted 3rd party service providers of DebtReductionProgram.com your personal information that was provided on this Site.

From time to time, we may establish a business relationship with other businesses that we believe trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). We provide our Service Providers with only the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use or disclosure. We may work with third-party marketing and advertising companies ("Networks"). These companies may collect and use information about your use of the Site or services in order to provide advertisements about goods and services that may be of interest to you. Advertisements may be shown via the Site, the services, or third-party sites. These companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons. Our Privacy Policy does not cover any use of information that Network may collect from you. It also does not cover any information that you may choose to provide to a Network or to an advertiser whose goods or services are advertised through the Site. We may share personal information and non-personal information with businesses controlling, controlled by, or under common control with, us. If our company is merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer personal information and non-personal information in connection with such transaction. We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose personal information and non-personal information about you to government or law enforcement officials or private parties when compelled by law or court order to do so or if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property or rights of our company or of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

Children Under 18

The Site is not intended for users under the age of 18, nor do we knowingly collect, retain or share information in connection with the Site from children under the age of 18.

Protecting Children’s Privacy Online

The website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the website. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.

Safeguarding Your Information

We endeavor to safeguard and protect our users' information. We utilize electronic and physical security to reduce the risk of improper access to or manipulation of the information you submit during transmission and storage, but cannot and do not guarantee the security or integrity of the information. We shall have no liability for breaches of security or integrity or third-party interception in transit. Please be advised that any transmission of data at or through the Site is at your own risk.

External Links

The Site may contain links to other sites, or allow others to send you such links. A link to a third party's site does not necessarily mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party sites. You access such third-party sites or content at your own risk. You should always read the privacy policy of a third-party site before providing any information to the site.

Opting Out

You may opt out of having information about you shared with third parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Site, by following the instructions contained within each marketing communication or by emailing us at [email protected]. However, such opting out will not apply to any communications from our other website offerings you have registered for or to our network partners or other third parties to whom we may have already provided your information. Those third parties' use of your information is subject to such parties' own privacy policies and opt-out procedures, for which we are not responsible.

California Residents Rights Under the California Consumer Privacy Act (“CCPA”)

Effective January 1, 2020, residents of California (“CA Resident”) have the right to request and access information of his or her personally identifiable information (“PII”). Under CCPA, each California resident can do the following: Right to Know - CA Resident has a right to know what PII we’ve collected about him or her, what data we’ve sold, who we’ve sold his or her data to, and what data we’ve shared for business purposes. In order to exercise this right, the CA Resident should contact us via the information provided in the Contact Us section. Sale of Data - CA Resident has the right to opt-out of the sale of his or her PII to third parties. In order to exercise this right, the CA Resident should contact us via the information provided in the Contact Us section. Privacy Rights - CA Resident has a right to review, access, revise or delete PII we’ve collected about the resident. In order to exercise this right, the CA Resident should contact us via the information provided in the Contact Us section. Right to Access - CA Resident has the right to see what specific pieces of PII we have about him or her, and to get this data in a portable and easily accessible format. In order to exercise this right, the CA Resident should contact us via the information provided in the Contact Us section. Right to Delete - CA Resident has the right to request that we delete his or her PII. Legally we must keep some data about the resident, but we will delete all unnecessary PII. Please keep in mind that we might reacquire some of this data if the resident later submits his or her PII to us on a website or we work with a third party who has this resident’s data. In order to exercise this right, the CA Resident should contact us via the information provided in the Contact Us section. Contact Us - In order to exercise any of rights under the CCPA, a CA Resident may email us at [email protected]. In addition, we may be reached by clicking the Unsubscribe / CCPA link on the homepage of this website. In addition, prior to taking any actions with any PII of the CA Resident, we are required to successfully confirm the identity of the resident (or authorized representative agent, registered with the State of California) prior to any action.

California Do Not Track Disclosures

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services? We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit DebtReductionProgram.com?

No.

Notice to California Residents

In response to a California law, we will automatically treat accounts with California billing addresses as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected]

Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

Contacting Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, you may email us [email protected].
DebtReductionProgram.com
Company Address:
Horsfords Business Centre, Long Point Road, Charlestown, Nevis

Please provide complete information to facilitate your request, as well as your complete contact information.

Testimonials

We may display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].

Privacy Policy Changes

From time to time, we may change this Privacy Policy. If we decide to change this Privacy Policy, the changes will show within this privacy policy online. Your continued use of our Site or services constitutes your consent to be bound by the revised Privacy Policy.

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.