Terms of Service

Last Updated: May 2026

Welcome to DebtPeers. By accessing or using our website, services, referral program, or related features, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use our website or services.

1. About DebtPeers

DebtPeers is a referral platform that connects consumers seeking debt relief assistance with independent debt relief providers and service partners.

DebtPeers is not a lender, creditor, law firm, credit repair company, debt settlement company, financial advisor, bankruptcy attorney, or debt relief provider. We do not provide legal, tax, financial, credit, or debt relief services directly. Any information provided through our website is for informational purposes only and should not be considered legal, tax, financial, or professional advice.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use this website and its services.

By using DebtPeers, you represent and warrant that you meet these requirements.

3. Referral Program

DebtPeers may offer referral incentives or rewards to eligible participants.

Participation in the referral program is subject to the following terms:

• Referral rewards are not guaranteed.
• Referred individuals must enroll at least $10,000 in qualifying debt through a participating debt relief provider to qualify for a referral reward.
• A $100 Gift Card may be awarded for total debt enrolled between $10,000 and $19,999.
• A $200 Gift Card may be awarded for total debt enrolled between $20,000 and $29,999.
• A $300 Gift Card may be awarded for total debt enrolled of $30,000 or more.
• Gift cards are issued only after the referred individual successfully enrolls in a qualifying debt relief program and satisfies all program requirements.
• Rewards may require verification and qualification by DebtPeers and its partners.
• Self-referrals are prohibited.
• Fraudulent, misleading, duplicate, or abusive referral activity may result in disqualification.
• DebtPeers reserves the right to determine eligibility for referral rewards in its sole discretion.
• DebtPeers reserves the right to modify, suspend, or terminate the referral program, reward amounts, or eligibility requirements at any time without prior notice.

Results vary based on individual financial circumstances and program terms. Debt relief programs are not available in all states.

4. User Information

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

If you submit information about another individual, you represent and warrant that you have obtained their permission to provide their information and to allow DebtPeers or its partners to contact them regarding debt relief services or related opportunities.

5. Consent to Contact

By submitting information through the website, you expressly consent to be contacted by DebtPeers and/or its service providers, partners, and affiliates by phone, email, text message, or other communication methods regarding debt relief services and related offers.

Your consent is not a condition of purchasing any product or service. Standard message and data rates may apply.

6. No Guarantee of Results

Debt relief outcomes vary based on individual circumstances.

DebtPeers does not guarantee:

• Debt reduction amounts
• Monthly payment reductions
• Eligibility or approval for any debt relief program
• Acceptance by any service provider
• Financial outcomes of any kind

Any examples, testimonials, estimates, savings figures, or success stories displayed on the website are for illustrative purposes only and should not be interpreted as guarantees of future results.

7. Third-Party Services

DebtPeers may refer users to independent third-party service providers.

DebtPeers is not responsible for:

• Third-party services
• Third-party advice
• Business practices of service providers
• Provider performance or results
• Agreements entered into with third parties
• Claims, disputes, or losses arising from third-party relationships

Users should independently evaluate any provider before entering into an agreement.

8. Intellectual Property

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

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

9. Prohibited Conduct

You agree not to:

• Submit false, inaccurate, or misleading information
• Impersonate another person
• Engage in fraudulent referral activity
• Attempt to manipulate referral rewards
• Use automated tools, bots, scripts, or scraping technology
• Interfere with website functionality or security
• Violate any applicable law or regulation

10. Disclaimer of Warranties

The website and services are provided on an "as is" and "as available" basis.

DebtPeers makes no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, reliability, or performance.

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

11. Limitation of Liability

To the maximum extent permitted by law, DebtPeers and its owners, affiliates, employees, contractors, partners, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website, services, referral program, or any third-party services.

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

12. Indemnification

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

• Your use of the website or services
• Your violation of these Terms
• Your violation of any law or regulation
• Information submitted by you
• Your referral activities

13. Privacy

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

14. Changes to These Terms

DebtPeers may update these Terms at any time without prior notice.

Any changes become effective immediately upon posting. Continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and interpreted under the laws of the United States and the applicable state in which DebtPeers operates, without regard to conflict of law principles.

16. Contact Information

Questions regarding these Terms may be submitted through the contact information provided on the website.

By using DebtPeers, you acknowledge that you have read, understood, and agreed to these Terms of Service.