Terms of Service
Last Updated: June 4, 2025
Acceptance of Terms
Welcome to The Debt Decoder. These Terms of Service (“Terms”) govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.
Description of Service
The Debt Decoder provides educational content, resources, and information related to debt management, credit repair, financial planning, and related topics. Our content is designed to help individuals make informed decisions about their financial situations.
Use of Our Service
Permitted Use You may use our Service for lawful purposes only. You agree to use the information provided for educational and informational purposes.
Prohibited Use You may not:
- Use our Service for any illegal or unauthorized purpose
- Violate any applicable laws or regulations
- Transmit any harmful, threatening, or offensive content
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt our Service
- Use automated systems to access our content without permission
Intellectual Property Rights
All content on The Debt Decoder, including text, graphics, logos, images, and software, is owned by us or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
User-Generated Content
If you submit comments, feedback, or other content to our website, you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display such content. You represent that you own or have the necessary rights to the content you submit.
Disclaimers
No Professional Advice The information provided on The Debt Decoder is for educational purposes only and does not constitute professional financial, legal, or tax advice. We recommend consulting with qualified professionals for advice specific to your situation.
No Guarantees We make no guarantees about the accuracy, completeness, or reliability of the information provided. Financial situations are complex and individual results may vary.
Third-Party Content We may include links to third-party websites or reference third-party products and services. We are not responsible for the content or practices of these third parties.
Limitation of Liability
To the fullest extent permitted by law, The Debt Decoder shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our Service, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless The Debt Decoder from any claims, damages, or expenses arising from your use of our Service or violation of these Terms.
Termination
We reserve the right to terminate or suspend your access to our Service at any time, with or without cause, and with or without notice.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of US Jurisdictions, without regard to conflict of law principles.
Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our Service constitutes acceptance of the modified Terms.
Contact Information
For questions about these Terms of Service, please contact us at [email protected].