Terms of Service

1. Acceptance of Terms

By accessing or using DebtHalf.com's website, services, or applications (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these Terms, you may not access or use the Services. These Terms constitute a legally binding agreement between you and DebtHalf.com.

2. Description of Services

DebtHalf.com provides debt settlement services to help consumers negotiate with creditors to reduce unsecured debt balances. Our Services include but are not limited to:

• Debt evaluation and consultation
• Creation of a personalized debt settlement plan
• Negotiation with creditors on your behalf
• Management of settlement fund accounts
• Customer support throughout the debt settlement process

DebtHalf.com does not provide legal advice, tax advice, or credit repair services.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the authority to enter into a legally binding agreement
• Have unsecured debt that qualifies for our debt settlement program
• Meet our financial criteria for enrollment

DebtHalf.com reserves the right to refuse service to anyone for any lawful reason.

4. Account Registration

To use certain features of our Services, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for any activity that occurs under your account.

5. Fees and Payments

Our fees for debt settlement services are based on a percentage of the debt amount enrolled in our program or a percentage of the amount saved through negotiations, as specified in your client agreement. We do not charge upfront fees for debt settlement services.

You agree to:

• Pay all fees specified in your client agreement
• Make regular deposits into your settlement fund account as outlined in your payment schedule
• Authorize the account administrator to disburse funds to pay settlements and service fees

All fees are clearly disclosed in your client agreement before you enroll in our program.

6. Program Expectations

While we strive to achieve the best possible results for our clients, the success of our debt settlement program depends on various factors including:

• Your adherence to the payment schedule
• Your financial situation throughout the program
• The policies of your creditors regarding debt settlement
• The age and status of your accounts

We cannot guarantee:

• That all your creditors will agree to negotiate
• Specific settlement amounts or percentages
• The exact timeframe for completing settlements
• That creditors will not pursue collection activities, including legal action

7. Client Responsibilities

As a client of DebtHalf.com, you agree to:

• Provide complete and accurate information about your debts and financial situation
• Make all required deposits according to your payment schedule
• Forward all creditor communications to us promptly
• Communicate with us regarding changes in your financial situation or contact information
• Not make direct payments to creditors or enter into separate agreements with creditors without our knowledge
• Review and understand the potential credit and tax consequences of debt settlement

8. Termination of Services

Either party may terminate services as specified in the client agreement. Upon termination:

• You will be entitled to any funds in your settlement account, less fees for services already rendered
• You will become responsible for managing all communications and negotiations with your creditors
• DebtHalf.com will provide an accounting of services rendered and settlements achieved

DebtHalf.com reserves the right to terminate services if you breach these Terms, provide false information, or fail to make required deposits.

9. Privacy and Communication

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and share your information.

By using our Services, you consent to receive communications from us, including emails, text messages, and phone calls related to your account and debt settlement program. You can opt out of marketing communications, but we may still send you important service-related communications.

10. Limitation of Liability

To the maximum extent permitted by law, DebtHalf.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use our Services
• Any actions or inactions of third parties, including creditors
• Unauthorized access to or alteration of your data
• Any content obtained from our Services

In no event shall our total liability to you exceed the amounts paid by you to DebtHalf.com for the Services.

11. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

12. Indemnification

You agree to indemnify, defend, and hold harmless DebtHalf.com and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from your use of the Services or your violation of these Terms.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website and updating the "Last Updated" date. Changes will become effective immediately upon posting, and your continued use of the Services after such changes constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be adjudicated in the courts of New York County, New York.

15. Contact Information

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