Terms and Conditions

Last Updated: 10^th Nov, 2025

Welcome to Freedom Debt Guide (“Company,” “we,” “us,” or “our”). By accessing or using our website, online tools, or services (“Site”), you agree to be bound by the following Terms and Conditions. If you do not agree, please discontinue use of the Site.

Please read these Terms carefully.

1. Use of This Website

This Site is provided for general informational and educational purposes relating to debt consolidation, debt relief, and financial wellness. Use of this Site does not create a client relationship with Freedom Debt Guide.

You agree not to use the Site for:

• Any unlawful purpose
• Transmitting harmful or malicious code
• Attempting to gain unauthorized access to our systems
• Violating the rights of others

We reserve the right to restrict or terminate access to anyone who violates these terms.

2. No Guarantees or Financial Advice

Information on this Site is not financial, legal, tax, or investment advice. Debt resolution results vary based on individual circumstances, creditor cooperation, ability to save funds, and program participation.

Freedom Debt Guide does not guarantee:

• Debt reduction outcomes
• Credit score improvement
• That creditors will negotiate or settle debts

Any potential savings or performance examples are for illustration only.

3. Eligibility for Services

Program eligibility may depend on:

• Type of debt
• Amount of debt
• Ability to make program payments
• State of residence
• Verification of identity and personal information

We reserve the right to decline service enrollment at our discretion.

4. User Accounts

If you create an account on our Site, you are responsible for:

• Providing accurate information
• Keeping your login credentials confidential
• All activity under your account

We may suspend or terminate access for security reasons or policy violations.

5. Intellectual Property

All content on this Site—including text, graphics, logos, videos, button icons, downloadable guides, and software—is the property of Freedom Debt Guide or its licensors, and protected by applicable copyright and trademark laws.

Users may not:

• Copy or reproduce Site content
• Sell, distribute, or share materials publicly
• Remove or alter copyright notices

Personal, non-commercial use is permitted.

6. Third-Party Links

This Site may contain links to third-party websites. Freedom Debt Guide is not responsible for:

• Content on those sites
• Their privacy or data practices
• Products or services offered by them

Users should review third-party terms and policies independently.

7. Communications Consent

By providing your phone number, email, or other contact information, you consent to:

• Phone calls
• Emails
• Text messages (SMS)
• Automated or prerecorded communications

These communications may relate to service updates, inquiries, account information, or promotional content. You may opt out at any time where legally permitted.

8. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available.”

Freedom Debt Guide does not warrant:

• That the Site will be uninterrupted or error-free
• That data transmitted will be secure
• Accuracy, completeness, or reliability of information on the Site

Your use of the Site is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, Freedom Debt Guide will not be liable for any damages arising from:

• Use or inability to use the Site
• Errors, interruptions, or data loss
• Third-party actions or services
• Unauthorized access to user information
• Reliance on information provided on the Site

Some states do not allow certain liability limitations; if so, parts of this section may not apply to you.

10. Indemnification

You agree to hold harmless and indemnify Freedom Debt Guide, its employees, partners, and affiliates from claims, damages, liabilities, or expenses resulting from:

• Violation of these Terms
• Misuse of the Site
• Infringement of third-party rights

11. Governing Law

These Terms are governed by the laws of the United States and, where applicable, the state in which Freedom Debt Guide operates, without regard to conflict-of-law principles.

12. Modifications

We may update or modify these Terms at any time. The “Last Updated” date will reflect changes. Continued use of the Site means you accept the updated Terms.

© [2025] Freedom Debt Guide. All rights reserved.