# Terms and Conditions

Effective Date: August 11, 2024

Welcome to Help-WithDebt. By accessing or using our website at www.Help-WithDebt.com (the "Site"), you agree to be bound by the following terms and conditions (the "Terms"). Please read these Terms carefully before using our services. If you do not agree with any part of these Terms, you should not use our Site or services.

## 1. Acceptance of Terms

By using the Site, you agree to comply with and be bound by these Terms. This agreement may be updated or modified by us from time to time without prior notice, and any changes will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of changes to these Terms constitutes your acceptance of those changes.

## 2. Services

Help-WithDebt provides marketing services that may include, but are not limited to, phone calls, SMS, ringless voicemail (RVM), and email communications to individuals who have opted in to receive such communications. Our services are designed to connect users with relevant offers and information.

## 3. User Obligations

Eligibility: You must be at least 18 years of age to use our Site and services. By using the Site, you represent and warrant that you meet this eligibility requirement.

Accurate Information: You agree to provide accurate, current, and complete information when requested. If you provide any information that is false, incomplete, or outdated, we may suspend or terminate your access to the Site and services.

Compliance with Laws: You agree to use our services in compliance with all applicable laws, including but not limited to the Telephone Consumer Protection Act (TCPA) and other telemarketing regulations.

## 4. Consent to Contact

By submitting your contact information through our Site, you consent to receive marketing communications from Help-WithDebt via phone calls, SMS, RVM, and email. You acknowledge that these communications may be sent using automated technology. Your consent to receive marketing communications is not a condition of purchasing any goods or services.

## 5. Opt-Out

You may opt-out of receiving marketing communications from us at any time by following the opt-out instructions provided in each communication or by contacting us directly at [Insert Contact Information]. Please note that even if you opt-out, we may still send you non-marketing communications, such as those related to your use of our services or updates to our Terms and Privacy Policy.

## 6. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Help-WithDebt or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content from the Site without our prior written consent.

## 7. Limitation of Liability

To the fullest extent permitted by law, Help-WithDebt shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of, or inability to use, the Site or services, including but not limited to damages for loss of profits, data, or other intangibles, even if we have been advised of the possibility of such damages.

## 8. Indemnification

You agree to indemnify, defend, and hold harmless Help-WithDebt, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Site or services, your violation of these Terms, or your violation of any rights of another.

## 9. Termination

We may terminate or suspend your access to the Site and services at any time, with or without cause, without prior notice or liability. Upon termination, your right to use the Site and services will immediately cease.

## 10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the California without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in [Your Jurisdiction].

## 11. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

## 12. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Help-WithDebt regarding your use of the Site and services and supersede all prior agreements or understandings, whether written or oral.

## 13. Contact Information

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

Help-WithDebt
affordablehealthheros@gmail.com