Terms of Use

Please read these Terms of Use carefully. By accessing this site or using our services, you agree to be bound by them. If you do not agree, please do not use the site.

These Terms apply to your access to and use of any website or mobile application operated by Working American Debt Experts doing business as Working American Debt Experts ("we", "us", or the "Company"), including any other site or service where these Terms are posted (collectively, the "Website"). These Terms do not alter the terms of any other agreement you have with us.

These Terms affect your legal rights, including an agreement to resolve disputes by binding individual arbitration instead of in court or by jury trial.

1. Changes to the Website and these Terms

We may change content on the Website, including these Terms, at any time without notice. Continued use of the Website constitutes acceptance of any revised Terms, so please check this page periodically.

2. Eligibility and your obligations

By using this Website you confirm that you are at least 18 years old and that any information you submit is true, accurate, current, and complete. You agree not to impersonate any person or entity, including any of our employees or representatives. We may suspend or terminate your access if you provide false or misleading information.

You may not access or use the Website in any way that could damage or impair it, its servers, or its underlying networks, or interfere with any other user's enjoyment of the Website. Use of the internet is at your own risk; we cannot guarantee the security or accuracy of information transmitted over public networks.

3. Intellectual property

Unless noted otherwise, all content on the Website — including text, layout, images, graphics, videos, audio, logos, trademarks, and software — is owned by us or used under license. You may not copy, imitate, distribute, or otherwise use any content without our prior written permission. All rights not expressly granted are reserved.

4. Limited license

We grant you a limited, non-exclusive, revocable license to view, share, print, or download content for personal, non-commercial use only. You may not license, republish, sell, sublicense, transfer, or create derivative works from any content. You may not use automated systems (such as bots or scrapers) to access the Website, and you may not collect, sell, or exploit personal information of other users. We may deny access to the Website to anyone, at any time, for any reason.

5. User submissions and feedback

Any communication, idea, or material you send us is treated as non-confidential and non-proprietary. You agree that we own all rights to that material and may use, reproduce, publish, broadcast, and otherwise exploit it without restriction or compensation to you.

6. Third-party content and links

The Website may contain content from and links to third-party sites that are independent of us. We provide these solely for convenience and do not endorse or warrant their content. Your use of any third-party site is at your own risk and subject to that site's terms and privacy policy.

7. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its subsidiaries, officers, employees, agents, and assigns from any losses, liabilities, damages, claims, and expenses (including attorneys' fees) arising from your violation of these Terms or misuse of our services.

8. Disclaimer of warranties

The Website and all information, services, programs, products, software, and materials available on it are provided "as is" and "as available." We disclaim all warranties, express or implied, including warranties of merchantability, non-infringement, quality of information, and fitness for a particular purpose. We do not warrant that the Website will be uninterrupted or error-free or that it is free of viruses. Your use of the Website is at your own risk.

9. Limitation of liability

In no event shall the Company or its affiliates be liable for any direct, indirect, special, punitive, exemplary, consequential, or other damages, including loss of use, loss of business, economic loss, loss of data, or loss of profits, arising out of or in connection with your use of the Website, even if advised of the possibility of such damages. In all cases, our total liability to you for any claim is limited to the lesser of (a) the amount you paid us, if any, or (b) one hundred dollars (US$100).

10. Dispute resolution; arbitration; class-action waiver

Please read this section carefully. It affects your legal rights.

You and the Company agree to give up any rights to litigate claims in court or before a jury, and to participate in a class action or representative action. Rights you would have in court, such as access to discovery, may be limited in arbitration.

Any dispute between you and the Company (including its agents, employees, officers, directors, successors, and affiliates) arising from or relating to these Terms or the relationship created by them — including the validity, scope, or enforceability of this arbitration provision — will be settled by binding individual arbitration. The party initiating arbitration must provide the other party with at least 60 days' advance written notice. During that period the parties will attempt to resolve the matter amicably. Arbitration will be conducted by telephone or videoconference unless both parties and the arbitrator agree to an in-person hearing. The arbitrator may grant any relief available in court, and the award may be entered as a judgment in any court of competent jurisdiction. Neither party may bring claims as a class, representative, or private attorney general action. These Terms are governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16) and, where applicable, the laws of the State of [STATE].

11. Privacy

Please review our Privacy Policy to understand how we collect, use, and disclose information. By using this Website you consent to actions we take consistent with that policy.

12. Use outside the United States

We make no representation that the Website is available or appropriate for use outside the United States. If you access it from elsewhere, you do so at your own risk and are responsible for complying with local laws.

13. Notice

We may provide notice to you by email, postal mail, or by posting on the Website. Email notice is deemed given 24 hours after sending. Postal notice is deemed given three calendar days after mailing.

14. Governing law and jurisdiction

These Terms are governed by the laws of the State of [STATE], without regard to its conflicts-of-law principles. Any action arising out of or related to these Terms or the Website (other than arbitration above) shall be filed only in the federal or state courts located in [COUNTY], [STATE], and you consent to the personal jurisdiction of those courts.

15. Assignment

You may not assign these Terms. We may assign our rights and obligations under these Terms at any time.

16. Severability

If any part of these Terms is held unlawful, void, invalid, or unenforceable, that part will be severed and the remaining provisions will continue in full force and effect.

17. Entire agreement

These Terms constitute the entire agreement between you and the Company regarding their subject matter, except where supplemented by specific legal notices posted elsewhere on the Website.

18. Waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or of our right to enforce it later.

19. Electronic acceptance

These Terms and any related documents may be accepted electronically, and your acceptance is binding between you and the Company.

20. Term and termination

These Terms take effect when you begin using the Website. We may deny access or terminate these Terms at any time, with or without notice, for any reason. They will also terminate automatically if you fail to comply. You may terminate them by ceasing to use the Website, but provisions intended to survive termination will continue to apply.

21. Contact

Working American Debt Experts
[ADDRESS]
Phone: [PHONE]
Email: [SUPPORT EMAIL]