Terms and Conditions

Online Terms and Conditions

Last updated: June 2022.

Please Read the Following Terms and Conditions (the “Terms”) Carefully.

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

Debt Specialist Group is a financial consulting and referral service that both educates consumers/businesses and connects them with third party companies offering an array of services, from debt relief to credit repair, to loans and a variety of other financial resources. As a Debt Specialist Group Customer our services are free—we only receive compensation from companies to whom you may be referred. Services may not be available in all states so please call or check our website for details.

Disputes pertaining to this website and our services are determined by arbitration. Please see the arbitration and class action waiver provisions below. You have the right to opt out of our agreement to arbitrate. See the Legal Disputes section of this Agreement.

AGREEMENT BETWEEN USER AND DEBTSPECIALISTGROUP.COM

The DebtSpecialistGroup.com website (the “Site”) is comprised of various web pages operated by Debt Specialist Group. BY ACCESSING AND USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS.

The Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS

Debt Specialist Group may periodically modify these Terms as well as the services themselves, without notice. You are responsible for checking these Terms for revisions. All amended Terms become effective upon our posting to the Site, and any use of the Site after such revisions have been posted signifies your consent to the change. If the Terms are updated, the date that the Site was “Last Updated” will be reflected at the top of the Terms.

PRIVACY POLICY

Registration information and certain other information about you is subject to our Privacy Policy. For more information, see our privacy policy.

Third Party Content

We may distribute content supplied by third parties on the Site. Any opinions, advice, statement, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Site, are those of the respective author(s) or distributor(s) and not of Debt Specialist Group.

LINKS TO THIRD PARTY SITES

The Site may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Debt Specialist Group and Debt Specialist Group is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Debt Specialist Group is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Debt Specialist Group of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you warrant to Debt Specialist Group that you will not use the Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

You Are Responsible for Your Financial Decisions

We, through our services, may introduce you to or connect you with third-party service providers, such as financial institutions, credit card providers, debt settlement companies, credit repair companies, lenders, and other financial professionals (“Service Providers”). Our goal is to provide options and ideas to fit your financial needs. While our goal is to introduce you to qualified companies, ultimately, it is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to conduct your own due diligence when reviewing available services. We do not guarantee that quotes, fees, terms, rates, coverage, or services offered by Service Providers are the best available, nor do we guarantee the success of the services. You acknowledge and agree that you rely on your own judgment in selecting any products or services offered by Service Providers, even if we present the contract to you.

OWNERSHIP OF INFORMATION

If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of Debt Specialist Group. None of the Submissions shall be subject to any obligation of confidentiality on the part of Debt Specialist Group, and Debt Specialist Group shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Debt Specialist Group shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial, or otherwise, without compensation to the provider of the Submissions.

SMS and Auto Dialed Calls

By entering your contact information onto the Site, you expressly request to receive information/offers from Debt Specialist Group via telephone call, email, and text/SMS message (including through the use of an automatic telephone dialing system, auto-selector or artificial/prerecorded voice, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). Consent to such communications is not a requirement to purchasing the goods or services that we are. Standard text message rates and cellular data charges apply. You may opt-out by replying “stop” to any message that you receive.

You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. NOTE: If we have transferred you to a Service Provider, you will need to separately direct them to stop communicating with you should you not wish to speak with them further.

DISCLAIMER of WARRANTIES

YOU EXPRESSLY AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, Debt Specialist Group DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE SITE, ANY USE OF THE SITE AND ANY WEBSITE TO WHICH THE SITE IS LINKED. COMPANY DOES NOT WARRANT THAT THE MATERIAL ON THE SITE IS COMPLETE OR ACCURATE, THAT USE OF THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS SITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED).

YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SERVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL.

A “DISABLING DEVICE” IS DEFINED AS ANY SOFTWARE, DOCUMENT, MESSAGE OR OTHER MATERIAL WHICH CONTAINS A COMPUTER VIRUS, WORM, TROJAN HORSE, TIME-BOMB OR OTHER HARMFUL DEVICE WHICH MAY ERASE, SCRAMBLE, LOCK OR DISABLE COMPUTER SOFTWARE OR EQUIPMENT OR MAY PREVENT USERS FROM USING A WEBSITE OR ANY OTHER ITEM OF HARDWARE OR SOFTWARE.

LIMITATIONS ON AUTHORITY

WHILE Debt Specialist Group USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THE SITE, ERRORS OR OMISSIONS SOMETIMES OCCUR.

YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL Debt Specialist Group, OR ITS OFFICERS, EMPLOYEES, DIRECTORS, MANAGERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OR INABILITY TO USE THIS WEBSITE, OR THE MATERIAL, INCLUDING WITHOUT LIMITATION, USE OF OR RELIANCE ON THE MATERIAL, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, DISCLOSURE OF COMMUNICATIONS, OR ANY OTHER FAILURE OF PERFORMANCE, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE.

YOU (AND NOT Debt Specialist Group OR ITS PARENTS OR AFFILIATES) SOLELY ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

TERMINATION/ACCESS RESTRICTION

You agree that Debt Specialist Group, in its sole discretion, may terminate your access to the Site without prior notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms. FURTHER, YOU AGREE THAT Debt Specialist Group SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE SITE. The provisions of these Terms shall survive any termination of your access to the Site.

COPYRIGHT AND TRADEMARK NOTICES:

All materials included on the Site, except third party content, is the property of Debt Specialist Group and is protected by United States and international copyright laws. No portion of the material on the Site may be reprinted or republished in any form without the express written permission of Debt Specialist Group or, with respect to third party content, its respective owner. You may download material from the Site your own personal, non-commercial use only, provided you do not modify the material and keep intact all copyright and other proprietary notices. You may not further distribute or display such material for any purpose. Without our prior written consent, you may not (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to the Site for any purpose; or (d) frame the Site, place pop-up windows over its pages, or otherwise affect the display of its pages.

Certain of the names, logos, and other materials displayed on the Site may constitute trademarks, tradenames, service marks or logos (“Marks”) of Debt Specialist Group or third parties. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith, with the exception of the third party Marks, remains with Debt Specialist Group and are protected by United States and international trademark laws. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on the Site. Your use of the Marks displayed on the Site, or any other content on the Site, except as provided herein, is strictly prohibited. All Marks not owned by Debt Specialist Group that appear on the Site are the property of their respective owners.

COPYRIGHT INFRINGEMENT POLICY

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), Debt Specialist Group will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

Debt Specialist Group’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims
Debt Specialist Group
9375 E Shea Blvd. Ste #100, Scottsdale AZ 85260

Email: [email protected]

Indemnification

You agree to indemnify, defend and hold harmless Debt Specialist Group, its parents, subsidiaries, affiliates, officers, directors, managers and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) resulting or arising from (1) any false information you (or anyone accessing the your account, computer or device) submit through the Site, (2) your violation of these Terms or applicable law, (3) your (or anyone using your account/computer/device) violation of any rights of any other person or entity, or (4) any Disabling Device or other similar harmful or deleterious programming routines input by you into the Website.

GOVERNING LAW AND DISPUTE RESOLUTION–ARBITRATION AND CLASS ACTION WAIVER

HOW WE AGREE TO RESOLVE DISPUTES—MANDATORY ARBITRATION OF ALL CLAIMS AND DISPUTES: THIS SECTION PROVIDES IMPORTANT INFORMATION ABOUT BINDING ARBITRATION. UNLESS CLIENT OPTS-OUT OF THIS ARBITRATION AGREEMENT BY E-MAILING e-mail address WITHIN 30 DAYS OF FIRST SIGNING UP FOR SERVICES, CLIENT AND COMPANY SHALL BE BOUND BY THIS BINDING AGREEMENT TO ARBITRATE ANY CLAIMS AND GIVE UP ALL RIGHTS TO SEEK RELIEF IN THE COURTS EXCEPT AS PROVIDED HEREIN TO ENFORCE ANY ARBITRATION AWARD. This Agreement shall be governed by the laws of the State of Arizona, and any Conflict of Law provisions thereunder. In the event of any controversy, claim, or dispute between the parties arising out of or relating to this Agreement, the parties agree to resolve all issues solely through the use of binding Arbitration, governed by the rules of the American Arbitration Association (“AAA”) pursuant to the Federal Arbitration Act. Any such Arbitration shall take place within Maricopa County, Arizona or at such other location as the parties may agree and shall be conducted by a mutually agreed upon Arbitrator. The arbitrator shall be neutral, independent, and shall comply with the AAA code of ethics. The arbitrator or arbitration panel shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, applicability, enforceability, conscionability of formation of this Agreement and of this arbitration requirement. The award rendered by the Arbitrator shall be final, binding on all parties, but subject to review in accordance with applicable statutes, rules and regulations governing arbitration awards. Judgment on the award made by the Arbitrator may be entered into any court having jurisdiction over the parties. If either party fails to comply with the Arbitrator’s award, the injured party may petition the Circuit Court for enforcement. The parties further agree that either party may bring claims against the other only in his/her, or its individual capacity and not as a Plaintiff or class member in any purported class action or representative proceeding. Further, the parties agree that the Arbitrator may not consolidate proceedings of more than one person’s claims and may not otherwise preside over any form of representative or class proceeding. Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules. In the event that a party fails to proceed with Arbitration, unsuccessfully challenges the Arbitrator’s award, or fails to comply with the Arbitrator’s award, the other party shall be entitled to costs of suit, including reasonable attorneys’ fees for having to compel Arbitration or defend or enforce the award. This section and the arbitration requirement shall survive termination of Services or the Agreement.

This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them.

PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS.