Terms of Service

Last Updated: May 16, 2026

Welcome to DebtPeers. These Terms of Service ("Terms") govern your access to and use of the DebtPeers website, services, and related features (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. About DebtPeers

DebtPeers operates as an independent referral and lead generation platform that connects consumers seeking information about debt relief options with independent third-party debt relief providers and related financial service providers.

DebtPeers is not a lender, creditor, loan broker, law firm, bankruptcy attorney, credit repair organization, debt settlement company, financial advisor, or debt relief provider.

DebtPeers does not:

• Negotiate debt on behalf of consumers;
• Provide debt settlement or debt management services;
• Offer legal, tax, financial, or credit advice;
• Make lending or credit decisions;
• Guarantee approval for any program; or
• Recommend any particular provider.

Information provided through this website is intended solely for general informational purposes and should not be considered legal, financial, tax, or professional advice. Consumers should independently evaluate any provider and consult qualified professionals before making financial decisions.

2. Eligibility

To use the Services, you must:

• Be at least eighteen (18) years old;
• Be legally capable of entering into a binding agreement; and
• Provide truthful, accurate, and complete information.

By using the Services, you represent and warrant that you satisfy these requirements.

3. Services

DebtPeers helps connect consumers with independent third-party providers that may offer debt relief or related financial services.

DebtPeers does not guarantee:

• Acceptance into any debt relief program;
• Eligibility for any program;
• Availability of providers;
• Debt reduction amounts;
• Monthly payment reductions;
• Settlement percentages;
• Financial savings;
• Credit score improvements; or
• Any specific financial outcome.

Provider availability and program eligibility vary by state and individual circumstances.

4. User Information

You agree that all information submitted through the Services is truthful, accurate, current, and complete.

If you provide information on behalf of another person, you represent and warrant that you have obtained that person's permission to provide their information and authorize DebtPeers and participating providers to contact them regarding their inquiry.

DebtPeers reserves the right to reject submissions containing false, misleading, incomplete, or fraudulent information.

5. Communications Consent

By voluntarily submitting your information through the DebtPeers website or otherwise requesting information, you expressly consent to receive communications from DebtPeers and, where applicable, participating third-party providers regarding your inquiry.

Communications may include:

• Phone calls
• SMS (text) messages
• Emails
• Voicemail messages
• Other communications related to your inquiry

Communications may relate to:

• Your request for information
• Appointment scheduling
• Customer support
• Status updates
• Information regarding debt relief options offered by participating providers
• Other communications directly related to your inquiry

Your consent is not required as a condition of purchasing any product or service.

Message frequency varies depending on your interaction with DebtPeers.

Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP.

For assistance, reply HELP or contact us using the contact information provided on this website.

Where permitted by applicable law, communications may be made using automated dialing systems, prerecorded voice messages, or other automated technologies.

6. Mobile Messaging

By providing your mobile phone number, you consent to receive SMS messages relating to your inquiry and your interactions with DebtPeers.

DebtPeers does not charge for text messages; however, your mobile carrier's messaging and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP.

Mobile phone numbers and SMS consent will not be shared with third parties or affiliates for their own marketing or promotional purposes.

DebtPeers may share your mobile number only with trusted service providers as necessary to provide messaging, customer support, or operational services on our behalf.

7. Electronic Communications

By using the Services, you consent to receive communications electronically, including notices, disclosures, agreements, and other communications relating to your use of the Services.

Electronic communications satisfy any legal requirement that such communications be provided in writing.

8. Third-Party Providers

DebtPeers may introduce users to independent third-party providers.

DebtPeers is not responsible for:

• Services provided by third parties;
• Advice provided by third parties;
• Provider qualifications;
• Provider availability;
• Provider performance;
• Pricing;
• Program terms;
• Consumer outcomes;
• Agreements entered into between users and providers.

Any agreement entered into between you and a third-party provider is solely between you and that provider.

Users are responsible for independently evaluating any provider before entering into any agreement.

9. No Financial, Legal, or Tax Advice

DebtPeers does not provide legal, tax, financial, investment, accounting, or credit advice.

Nothing on this website should be interpreted as a recommendation regarding any debt relief provider, financial product, or debt relief program.

Consumers should consult qualified legal, financial, or tax professionals before making financial decisions.

10. No Guarantee of Results

Debt relief outcomes vary based upon individual financial circumstances, creditors, provider policies, applicable laws, and numerous other factors.

DebtPeers makes no guarantees regarding:

• Savings
• Debt reduction
• Settlement percentages
• Payment reductions
• Program eligibility
• Approval
• Acceptance
• Credit score impact
• Financial outcomes

Testimonials, examples, estimates, illustrations, and success stories are provided solely for informational purposes and do not guarantee future results.

11. Call Recording

Where permitted by applicable law, telephone calls with DebtPeers may be monitored or recorded for quality assurance, training, fraud prevention, compliance, customer support, and operational purposes.

By communicating with DebtPeers, you consent to such recording where legally permitted.

12. Fraud Prevention

DebtPeers reserves the right to verify submitted information and refuse service where we reasonably believe fraud, identity theft, abuse, misrepresentation, or unlawful activity has occurred.

DebtPeers may suspend or terminate access to the Services if fraudulent or unlawful activity is suspected.

13. Intellectual Property

All content on the DebtPeers website, including text, graphics, logos, trademarks, software, branding, designs, and other materials, is owned by DebtPeers or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, publish, display, or otherwise use any content without prior written permission.

14. Prohibited Conduct

You agree not to:

• Submit false or misleading information;
• Impersonate another individual;
• Attempt unauthorized access to the Services;
• Interfere with website functionality or security;
• Use bots, automated scripts, or scraping tools;
• Introduce malicious software or code;
• Violate any applicable law or regulation; or
• Use the Services for any unlawful purpose.

15. Disclaimer of Warranties

The Services are provided on an "AS IS" and "AS AVAILABLE" basis.

DebtPeers disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, reliability, or uninterrupted operation.

DebtPeers does not guarantee that the Services will be uninterrupted, secure, error-free, or free from viruses or other harmful components.

16. Limitation of Liability

To the fullest extent permitted by applicable law, DebtPeers and its owners, officers, employees, contractors, affiliates, licensors, partners, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of the Services.

DebtPeers' total liability for any claim shall not exceed the amount, if any, paid directly by you to DebtPeers during the twelve (12) months preceding the event giving rise to the claim.

17. Indemnification

You agree to defend, indemnify, and hold harmless DebtPeers and its owners, employees, affiliates, contractors, licensors, partners, and service providers from and against any claims, damages, liabilities, losses, costs, expenses, and reasonable attorneys' fees arising out of or relating to:

• Your use of the Services;
• Your violation of these Terms;
• Your violation of applicable law;
• Information submitted by you; or
• Your interactions with third-party providers.

18. Privacy

Your use of the Services is also governed by the DebtPeers Privacy Policy, which is incorporated into these Terms by reference.

19. Changes to These Terms

DebtPeers reserves the right to update or modify these Terms at any time.

Any changes become effective immediately upon posting on this website.

Your continued use of the Services after updated Terms are posted constitutes your acceptance of the revised Terms.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which DebtPeers operates, without regard to conflict of law principles.

21. Contact Information

If you have any questions regarding these Terms, please contact DebtPeers using the contact information provided on our website.

22. Entire Agreement

These Terms, together with our Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and DebtPeers regarding your use of the Services and supersede all prior agreements, understandings, or communications relating to the Services.

Acknowledgment

By accessing or using the DebtPeers website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.