Terms of Service

1. About DebtPeers

DebtPeers LLC (“DebtPeers,” “we,” “us,” or “our”) is a consumer-facing marketing, intake, qualification, sales, and enrollment company that helps consumers evaluate and, when appropriate, enroll in debt relief programs offered and administered by third-party program providers.

DebtPeers may:

• Advertise and market debt relief programs;
• Receive and respond to consumer inquiries;
• Collect information regarding a consumer’s debts and financial situation;
• Conduct an initial review of potential program eligibility;
• Explain available debt relief programs, including applicable features, costs, risks, and requirements;
• Communicate with consumers by telephone, text message, email, and other authorized methods;
• Answer questions regarding available programs;
• Assist consumers in determining whether a program may be appropriate for their circumstances;
• Guide qualified consumers through the application and enrollment process; and
• Facilitate enrollment with a participating third-party program provider.

DebtPeers is not merely a lead-generation or referral website. DebtPeers works directly with consumers during the marketing, intake, qualification, program presentation, and enrollment process.

However, unless expressly stated otherwise in writing, DebtPeers does not itself perform the underlying debt negotiation, debt settlement, program administration, or servicing provided after enrollment. Those services are performed by the applicable third-party program provider and/or its authorized service providers.

DebtPeers is not a lender, creditor, law firm, bankruptcy attorney, credit repair organization, debt collection agency, or financial advisory firm.

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

2. Third-Party Program Providers

Debt relief programs presented through DebtPeers are provided, administered, and/or serviced by independent third-party program providers and their authorized service partners.

DebtPeers may assist you throughout the enrollment process, but after enrollment, some or all aspects of your program may be handled directly by the applicable program provider.

Depending on the program, the third-party provider or its authorized partners may be responsible for activities including:

• Establishing and administering your program;
• Providing required program disclosures and agreements;
• Managing your enrolled accounts;
• Communicating regarding program progress;
• Coordinating authorized program payments;
• Negotiating with participating creditors;
• Obtaining and documenting settlements;
• Administering settlements;
• Providing ongoing customer service; and
• Performing other services associated with your debt relief program.

The specific identity of the program provider and the services it provides will be disclosed during the enrollment process.

3. Program Eligibility

To use the Services, you must:

• Be at least eighteen (18) years old;
• Be legally capable of entering into a binding agreement;
• Provide truthful, accurate, current, and complete information; and
• Satisfy applicable program and provider eligibility requirements.

DebtPeers programs generally require a minimum of $9,000 in qualifying unsecured debt.

Meeting the minimum debt requirement does not guarantee eligibility or enrollment.

Eligibility may depend on additional factors including:

• The amount and type of debt;
• The identity of your creditors;
• Your income and financial circumstances;
• Your ability to make applicable program payments;
• Your state of residence;
• Program-provider requirements; and
• Applicable laws and regulations.

DebtPeers and/or the applicable program provider may determine that a particular program is not available or appropriate based on the information provided.

4. Types of Debt

Programs marketed and facilitated by DebtPeers generally relate to qualifying unsecured debts.

These may include:

• Credit card debt;
• Unsecured personal loans;
• Certain unsecured lines of credit;
• Certain medical debts; and
• Other qualifying unsecured obligations.

Secured debts such as mortgages and automobile loans generally do not qualify.

Certain debts, creditors, and account types may be excluded from a program even if they are unsecured.

5. The DebtPeers Enrollment Process

When you submit information to DebtPeers, a DebtPeers representative may contact you to discuss your financial situation and potential debt relief options.

The process may include:

1. Reviewing information concerning your debts and financial circumstances;
2. Determining whether you appear to satisfy initial program requirements;
3. Explaining a potentially available program;
4. Reviewing applicable program costs, expected payments, risks, disclosures, and other material terms;
5. Answering questions you may have;
6. Collecting additional information required for enrollment;
7. Assisting you in reviewing and completing enrollment documents; and
8. Facilitating your enrollment with the applicable third-party program provider.

Submitting an inquiry does not obligate you to enroll.

You should carefully review all enrollment documents and disclosures before deciding whether to participate.

6. No Obligation to Enroll

Requesting information, submitting information through our website, speaking with a DebtPeers representative, or receiving a program presentation does not require you to enroll.

You are responsible for deciding whether a debt relief program is appropriate for your circumstances.

You should review all applicable program terms, costs, risks, disclosures, and agreements before enrolling.

7. Program Fees

There is no obligation to enroll simply because you request information or speak with DebtPeers.

If you qualify for and choose to enroll in a debt relief program, fees and other program costs may apply.

Applicable fees, payment obligations, and program terms will be disclosed to you as part of the enrollment process and in the applicable program agreements.

DebtPeers does not guarantee that participation in a program will result in savings after taking program fees and other costs into account.

Nothing in these Terms modifies any fee disclosures or agreements provided to you during enrollment.

8. Consumer Payments and Dedicated Accounts

DebtPeers does not receive, hold, manage, or control consumer funds intended for payment to creditors unless expressly disclosed in writing and permitted by applicable law.

Depending on the program, consumers may be required to establish a dedicated account or other payment arrangement administered by an independent third party.

Program contributions, settlement payments, provider fees, and other payments will be handled according to the applicable program agreements and disclosures.

DebtPeers may assist in explaining these arrangements during enrollment but does not become the owner of funds deposited into a consumer’s dedicated account.

9. Debt Negotiation and Settlement

DebtPeers assists with marketing, qualification, program presentation, and enrollment.

Unless expressly disclosed otherwise, DebtPeers does not directly negotiate settlements with your creditors.

Debt negotiations and settlements are performed by the applicable program provider and/or its authorized service partners after enrollment.

Creditors are not required to participate in a debt relief program or accept any settlement proposal.

No settlement can be guaranteed.

10. No Guarantee of Results

Debt relief outcomes vary based on numerous factors, including:

• Your financial circumstances;
• The amount and type of debt enrolled;
• Your creditors;
• Creditor willingness to negotiate;
• Your ability to make required program contributions;
• Program fees;
• The duration of participation;
• Applicable laws; and
• Other circumstances beyond DebtPeers’ control.

DebtPeers does not guarantee:

• Acceptance into a program;
• Completion of a program;
• Creditor participation;
• A particular settlement amount;
• A particular percentage of debt reduction;
• A particular amount of savings;
• A specific monthly payment;
• A specific completion date;
• Prevention of collection activity;
• Prevention of lawsuits or other creditor actions;
• A specific credit score impact or recovery; or
• Any particular financial outcome.

Any estimates, illustrations, examples, testimonials, savings figures, program scenarios, or descriptions of prior results are illustrative only and do not guarantee your results.

11. Credit Impact

Participation in a debt relief program may negatively affect your credit score or credit profile, particularly when the program involves stopping or reducing payments directly to creditors.

For some consumers, this negative effect may be temporary, and credit scores may recover over time as debts are resolved and the consumer’s overall financial circumstances change.

However, DebtPeers does not guarantee:

• How much your credit score may decrease;
• How long any decrease may last;
• When your score may recover;
• How quickly your score may improve; or
• What your credit score will be after completing the program.

Credit outcomes depend on numerous factors unique to each consumer, including prior credit history, creditor reporting, payment history, outstanding balances, new credit activity, and other information contained in the consumer’s credit file.

12. Other Risks of Debt Relief

Debt relief programs are not appropriate for every consumer.

Depending on the program and your circumstances, participation may involve risks including:

• Negative credit reporting;
• Collection calls or correspondence;
• Additional interest, fees, or penalties assessed by creditors;
• Potential legal action by creditors;
• Tax consequences associated with forgiven debt;
• An inability to settle certain accounts;
• Longer-than-expected program duration; and
• Other financial consequences.

You should carefully review all applicable disclosures before enrollment.

DebtPeers does not provide legal or tax advice. You may wish to consult an attorney, accountant, tax professional, or other qualified professional regarding your individual circumstances.

13. Your Information

You agree that information you provide to DebtPeers will be truthful, accurate, current, and complete.

Information requested may include information concerning:

• Your identity;
• Contact information;
• State of residence;
• Debt balances;
• Types of debt;
• Creditors;
• Income;
• Expenses;
• Financial hardship;
• Employment;
• Household finances; and
• Other information relevant to determining program eligibility.

DebtPeers may use information you provide to evaluate potential eligibility, communicate with you, present programs, facilitate enrollment, perform compliance functions, prevent fraud, improve our Services, and perform other activities described in our Privacy Policy.

Information may also be provided to participating program providers and authorized service providers as reasonably necessary to evaluate, enroll, administer, or service your program.

14. Authorization to Share Information

By requesting information or proceeding with the enrollment process, you authorize DebtPeers to share information you provide with participating program providers, enrollment partners, technology providers, compliance providers, and other authorized service providers as reasonably necessary to fulfill your request and provide the Services.

The collection, use, and disclosure of personal information are further governed by our Privacy Policy.

Mobile telephone numbers and SMS consent will not be sold or shared with unaffiliated third parties for their own independent marketing purposes except as otherwise permitted by applicable law and disclosed to you.

15. Communications Consent

By voluntarily providing your contact information to DebtPeers or requesting information regarding debt relief services, you consent to receive communications relating to your inquiry, potential eligibility, enrollment, customer service, and available programs.

Communications may come from DebtPeers and, where applicable and authorized, the third-party program provider involved in evaluating or servicing your enrollment.

Communications may include:

• Telephone calls;
• SMS or text messages;
• Emails;
• Voicemail messages; and
• Other electronic communications.

Communications may relate to:

• Your inquiry;
• Potential eligibility;
• Requested information;
• Program options;
• Enrollment;
• Appointment scheduling;
• Required documentation;
• Customer support;
• Enrollment status; and
• Other matters relating to your requested Services.

Where permitted by applicable law and your consent, communications may be made using automated technologies, prerecorded or artificial voice messages, or automated telephone dialing technology.

Your consent to receive marketing communications is not a condition of purchasing any product or service where prohibited by applicable law.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS messages by replying STOP. You may request assistance by replying HELP or contacting DebtPeers.

16. Call Recording

Where permitted by applicable law, telephone calls involving DebtPeers may be monitored or recorded for purposes including:

• Quality assurance;
• Training;
• Verification;
• Consumer protection;
• Compliance;
• Fraud prevention;
• Customer support; and
• Documentation of enrollment-related communications.

Where legally required, additional notice or consent may be provided before recording.

17. Electronic Communications and Signatures

You consent to conducting transactions and receiving documents electronically where permitted by law.

Electronic communications may include:

• Disclosures;
• Agreements;
• Notices;
• Authorizations;
• Enrollment documents;
• Program information; and
• Other records relating to the Services.

Where applicable, electronic signatures may have the same legal effect as handwritten signatures.

Separate electronic-consent disclosures may apply during enrollment.

18. No Legal, Tax, or Financial Advice

DebtPeers representatives may explain the features, risks, costs, and requirements of debt relief programs offered through participating providers.

These explanations are provided to help consumers understand the programs being presented and do not constitute individualized legal, tax, investment, accounting, or financial-planning advice.

DebtPeers does not act as your attorney, accountant, investment adviser, or tax adviser.

You should consult an appropriately qualified professional regarding matters requiring individualized professional advice.

19. Third-Party Agreements

Enrollment in a debt relief program may require you to enter into one or more separate agreements with a program provider, account administrator, payment processor, law firm, settlement-service provider, or other third party.

Those agreements may contain additional terms, disclosures, rights, responsibilities, dispute-resolution provisions, and cancellation rights.

If there is a conflict between these Terms and a separate program agreement regarding the administration or servicing of your debt relief program, the applicable program agreement will govern those program-specific services.

20. State Availability

Debt relief programs are not available in all states.

Program availability, eligibility requirements, program features, fees, providers, and services may differ depending on your state of residence and applicable law.

DebtPeers may decline to market, offer, facilitate, or enroll a consumer in a program where the program is unavailable or where applicable legal or provider requirements are not satisfied.

21. Fraud Prevention and Verification

DebtPeers may take reasonable steps to verify information provided by consumers.

We may decline, suspend, or terminate access to the Services where we reasonably suspect:

• Fraud;
• Identity theft;
• Misrepresentation;
• Abuse;
• Unauthorized use;
• Submission of inaccurate or misleading information; or
• Other unlawful activity.

Additional verification may be required before enrollment.

22. Prohibited Conduct

You agree not to:

• Provide materially false or misleading information;
• Impersonate another person;
• Submit another person’s information without authorization;
• Attempt unauthorized access to our systems;
• Interfere with the operation or security of the Services;
• Introduce malicious software or code;
• Use automated scraping tools without authorization;
• Violate applicable law; or
• Use the Services for fraudulent or unlawful purposes.

23. Intellectual Property

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

Except as expressly permitted, you may not copy, reproduce, modify, publish, distribute, sell, license, display, scrape, or otherwise exploit DebtPeers content without prior written authorization.

24. Website and Service Disclaimer

The DebtPeers website and Services are provided on an “AS IS” and “AS AVAILABLE” basis to the fullest extent permitted by law.

DebtPeers does not warrant that:

• The website will operate uninterrupted;
• Information will always be error-free;
• The Services will always be available;
• Every consumer will qualify for a program;
• A participating provider will accept an enrollment;
• Every creditor will participate in a program; or
• Any particular financial result will occur.

Nothing in this section limits rights that cannot legally be waived.

25. Limitation of Liability

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

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

To the fullest extent permitted by law, DebtPeers’ aggregate liability arising from the DebtPeers Services will 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.

This limitation relates to DebtPeers’ own Services and does not alter any rights or remedies you may have under a separate agreement with a third-party program provider.

26. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless DebtPeers and its owners, officers, directors, employees, affiliates, contractors, licensors, and service providers from claims, losses, liabilities, damages, costs, and reasonable attorneys’ fees arising from:

• Your unlawful use of the Services;
• Your material violation of these Terms;
• Fraudulent information submitted by you;
• Your violation of another person’s rights; or
• Your violation of applicable law.

27. Privacy

Your use of the Services is also governed by the DebtPeers Privacy Policy.

The Privacy Policy describes how DebtPeers collects, uses, discloses, and protects personal information and is incorporated into these Terms by reference.

28. Changes to These Terms

DebtPeers may update these Terms periodically.

Updated Terms will be posted on our website with a revised “Last Updated” date.

Changes will become effective as permitted by applicable law. Where legally required, additional notice may be provided.

Your continued use of the DebtPeers website or Services after revised Terms become effective constitutes acceptance of the revised Terms.

29. Termination

DebtPeers may restrict, suspend, or terminate access to the Services where reasonably necessary due to:

• Violation of these Terms;
• Fraud or suspected fraud;
• Security concerns;
• Legal or regulatory requirements;
• Program unavailability; or
• Discontinuation of Services.

Termination of access to the DebtPeers website does not automatically terminate a debt relief program in which you have already enrolled.

Cancellation or termination of an enrolled program is governed by the applicable program agreements and applicable law.

30. Governing Law

These Terms will be governed by the laws applicable to DebtPeers LLC and the Services, without regard to conflict-of-law principles, except where applicable consumer-protection law requires otherwise.

Any separate program agreement may contain its own governing-law or dispute-resolution provisions.

31. Severability

If any portion of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

32. No Waiver

DebtPeers’ failure to enforce any provision of these Terms will not constitute a waiver of that provision or any other provision.

33. Entire Agreement

These Terms, together with the DebtPeers Privacy Policy and any other policies expressly incorporated by reference, constitute the agreement between you and DebtPeers concerning your use of the DebtPeers website and Services.

Separate program agreements executed during enrollment govern the applicable debt relief program and ongoing program services.

34. Contact Information

Questions regarding these Terms may be directed to:

DebtPeers LLC
1178 Broadway, 3rd Floor
New York, NY 10001
Email: help@debtpeers.com
Phone: (888) 298-8225

Acknowledgment

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

By enrolling in a debt relief program, you also acknowledge that your participation will be governed by the applicable enrollment documents, disclosures, and agreements presented to you during the enrollment process.