Effective Date: January 2, 2021
Welcome to Christian Debt Counseling (“we,” “us,” “our,” or “the Site”). These Terms of Use govern your use of the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
No legal or financial advice
This Site provides general information about debt relief. We are not a law firm, financial advisor, or tax advisor. Nothing on this Site constitutes legal, tax, or financial advice. You should consult with your own attorney, accountant, or financial professional before making decisions about debt relief, bankruptcy, or related matters.
Not a debt relief provider
We are an independent marketing website. We do not provide debt settlement, debt consolidation, credit counseling, bankruptcy services, or legal representation. If you submit your information, we may refer your inquiry to one or more independent debt relief providers. All services are provided by those companies directly, and are subject to their own terms and policies.
No guarantee of results
We do not guarantee that you will qualify for debt relief, achieve savings, or obtain a particular outcome. Results vary depending on your circumstances, creditor cooperation, and the provider’s performance. Some consumers may not qualify. Savings estimates are examples only.
Eligibility and state restrictions
Debt relief services may not be available in all states. Availability depends on your state of residence, the amount and type of debt, and other factors. We do not control provider eligibility rules.
Calls, texts, and emails (TCPA consent)
By submitting your information on the Site, you consent to be contacted by us and our partners at the number and email you provide. This contact may include autodialed, prerecorded, or artificial voice calls and text messages for marketing and servicing purposes. Consent is not required to purchase goods or services. Standard message and data rates may apply. You may opt out at any time by replying STOP to texts, telling a caller, or using our Contact Us link.
Call recording
We may monitor or record phone calls for quality, training, and compliance purposes, where permitted by law. By continuing with a call, you consent to such recording.
Privacy
Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and share information.
Intellectual property
All Site content, including text, graphics, logos, and software, is owned by us or our licensors and is protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or exploit our content without written permission, except for personal, non-commercial use.
Third-party sites and content
The Site may link to third-party websites. We are not responsible for their content, policies, or practices. You use third-party sites at your own risk.
Limitation of liability
To the maximum extent permitted by law, we disclaim all liability for any damages, losses, or costs arising out of or related to your use of the Site or any services provided by third parties. We provide the Site “as is” without warranties of any kind.
Some jurisdictions do not allow limitations of liability. In those cases, our liability shall be limited to the extent permitted by law.
Indemnification
You agree to indemnify, defend, and hold harmless ChristianDebtCounseling.com, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including attorney’s fees) arising from your use of the Site or your violation of these Terms.
Governing law
These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Orange County, California, and you consent to the jurisdiction of those courts.
Changes to Terms
We may update these Terms at any time by posting a revised version on the Site. The updated Terms are effective upon posting. Your continued use of the Site constitutes acceptance of the updated Terms.
Contact us
For questions about these Terms, please use our Contact Us link.