Last Updated: May 2026
This Debt Free 4 Free Website Terms of Use Agreement ("Website Terms") is between you and Debt Free 4 Free ("we," "us," or "our"), with a principal place of business at [INSERT BUSINESS ADDRESS]. These Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the "Website"), your engagement of our services, and/or your request that we contact you about our services.
BY USING THE WEBSITE, ENGAGING OUR SERVICES, AND/OR REQUESTING THAT WE CONTACT YOU, YOU SIGNIFY YOUR AGREEMENT TO THESE WEBSITE TERMS.
Debt Free 4 Free's Privacy Policy applies to your use of our website, all services provided by us, and/or your request that we contact you, and its terms are made a part of these Website Terms. By using our website, engaging our services, and/or requesting that we contact you, you acknowledge you have reviewed our Privacy Policy and agree to its terms.
BY USING DEBT FREE 4 FREE'S WEBSITE, ENGAGING OUR SERVICES, AND/OR REQUESTING THAT WE CONTACT YOU, YOU AGREE TO ARBITRATE ALL DISPUTES AND CLAIMS BETWEEN YOU AND DEBT FREE 4 FREE ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST DEBT FREE 4 FREE IN A COURT OF LAW.
YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST DEBT FREE 4 FREE IN ANY JURISDICTION IN THE UNITED STATES. DEBT FREE 4 FREE WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION.
The Website is a service made available by Debt Free 4 Free. If you do not agree to these Website Terms, you may not use the Website. We may modify these Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using our services, and/or rescind your request that we contact you before the changes take effect. Your continued use of the Website, use of our services, and/or request that we contact you after any such changes take effect constitutes your acceptance of such changes.
Each time you visit or log in to the Website, continue using our services, and/or continue your request that we contact you, you reaffirm your acceptance of these Website Terms. You are responsible for regularly reviewing these Website Terms by clicking on the "Terms of Service" link on our website. These Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with these Website Terms, govern your use of those areas, content, or transactions.
The Website provides users with information about Debt Free 4 Free's services, general educational and informational resources, and the ability to sign up for and engage with our services and partner network.
You are not required to sign up for our services in order to visit and read material on the Website; however, you will need to sign up if you want our assistance. If you do so, you agree to provide accurate and complete information. You must be legally capable of entering into contracts. It is your responsibility to make any updates to that information. Each sign-up is for a single person only. We do not permit any other person to enroll in our services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify Debt Free 4 Free immediately by emailing support@debtfree4free.com.
The Website contains information, content, advertisements, text, photographs, designs, graphics, images, sound and video recordings, animation, and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents, or other intellectual or proprietary rights owned by Debt Free 4 Free or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners.
Debt Free 4 Free retains all rights (including intellectual property rights), title, and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications, and improvements related to the Website (the "Technology") (the terms Content and Technology collectively will be referred to as the "Materials"). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.
Debt Free 4 Free provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:
Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic, or other objectionable material of any kind, or to interfere with, abuse, or otherwise violate the legal rights of any third party using the Website or Materials.
Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Website if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.
By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) Debt Free 4 Free a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute such materials and/or information generated through use of the Website, or to incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.
The Website may use robot exclusion methods, including robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real-time basis and is proprietary or is licensed to Debt Free 4 Free by our users or third parties. You agree that you will not use any robot, spider, scraper, or other automated means to access the Website for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as indicated in the then-current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.
You may provide links only to the homepage of this Website, provided that (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage; (b) you give Debt Free 4 Free notice of such link by sending an e-mail to support@debtfree4free.com; and (c) you discontinue providing links to this Website if requested by Debt Free 4 Free. If you wish to provide links to a section within the Website, you should forward your request to support@debtfree4free.com, and Debt Free 4 Free will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.
You represent and warrant to us that (a) you are legally capable of entering into contracts; (b) you are providing us at all times true, accurate, and up-to-date information about yourself; (c) you will comply at all times with these Website Terms and applicable law; and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.
Debt Free 4 Free makes every effort to ensure the information presented in, on, or through its Website is accurate; however, Debt Free 4 Free makes no guarantee as to such information and is not responsible for any resulting loss or damage.
Debt Free 4 Free makes no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that Debt Free 4 Free shall not be liable for any loss of data, lost profits, or any other damages or losses resulting from such use.
THE WEBSITE AND MATERIALS ARE PROVIDED BY DEBT FREE 4 FREE ON AN "AS IS" BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. DEBT FREE 4 FREE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE, AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.
IN NO EVENT SHALL DEBT FREE 4 FREE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS, REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY, OR INTERRUPTION IN OPERATION OR SERVICE, OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT, OR OTHERWISE. DEBT FREE 4 FREE SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law.
DEBT FREE 4 FREE DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE, OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, "WORMS," "TROJAN HORSES," OR THEIR HARMFUL COMPONENTS. DEBT FREE 4 FREE'S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY DEBT FREE 4 FREE SHALL BE CANCELLATION OF YOUR ACCOUNT.
You agree to indemnify, defend, and hold harmless Debt Free 4 Free, its officers, directors, employees, agents, representatives, vendors, and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your (or anyone using your account's) violation or breach of any representation or obligation under these Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.
We may, subject to and in accordance with our Privacy Policy for marketing and other purposes, collect, process, and transmit certain data obtained from and about you in the course of your accessing the Website or during a phone consultation, including information collected in the course of an abandoned transaction. By agreeing to these Website Terms, you agree to such data being so used and further agree that it may be transmitted to others, whether or not within the United States, in accordance with our Privacy Policy and under applicable privacy and data protection legislation. Information on how and what type of data (if any) is held about you can be obtained by contacting us at support@debtfree4free.com or (435) 212-0109.
You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive Debt Free 4 Free's services, to request that Debt Free 4 Free contact you about our services, and to view, print, and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a member of Debt Free 4 Free or have requested that we contact you about our services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Website or Debt Free 4 Free's services.
You are responsible for obtaining at your own expense all equipment and services needed to access and use the Website, including all devices, Internet browsers, and Internet access. If you access the Website or a Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging, and other wireless access or communications services.
Your use of the Website must comply with all applicable laws in the territory in which you access and use the Website.
Debt Free 4 Free reserves the right to investigate complaints or reported violations of these Website Terms and to take any action Debt Free 4 Free deems appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses, and traffic information. Debt Free 4 Free reserves the right to seek all remedies available at law and in equity for violations of these Website Terms, including but not limited to the right to block access from a particular Internet address to any Debt Free 4 Free website.
These Website Terms incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to access to and use of the Website and/or your request that Debt Free 4 Free contact you. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of these Website Terms shall be held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of these Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of these Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.
THESE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF [INSERT GOVERNING STATE], USA, AS THEY APPLY TO AGREEMENTS MADE AND SOLELY PERFORMED THEREIN. YOU IRREVOCABLY CONSENT AND WAIVE ALL OBJECTION TO PERSONAL JURISDICTION AND VENUE IN THE STATE AND FEDERAL COURTS LOCATED IN [INSERT COUNTY AND STATE], USA, AND YOU SHALL NOT COMMENCE OR PROSECUTE ANY SUIT OR ACTION EXCEPT IN THE FOREGOING COURTS.
ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE WEBSITE ARE FOR INFORMATION ONLY, ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL OR FINANCIAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN APPROPRIATE PROFESSIONAL COUNSEL.
Debt Free 4 Free does not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. Debt Free 4 Free reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Website.
Any information contained on the Website with respect to results obtained by Debt Free 4 Free is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant, or guarantee a similar outcome. References to past or present members or the circumstances of their specific matters do not constitute testimonials or endorsements by such members, nor are they a guarantee, warranty, or prediction of the outcome of your matter.
Debt Free 4 Free does not guarantee the confidentiality of communications transmitted to or through the Website. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential, and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose, including but not limited to repeated unwanted emails or "spam," may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to Debt Free 4 Free, no confidential, fiduciary, contractually implied, or other relationship is created between you and Debt Free 4 Free other than pursuant to these Website Terms and any subsequent written agreement entered into with Debt Free 4 Free.
Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations, or inquiries. The foregoing acts will constitute a violation of these Website Terms.
By submitting appropriate contact forms on our website, if you have opted in to receive text messages, you will receive text messages reminding you of your free consultation. An example message is: "Thank you for visiting Debt Free 4 Free. We are available now to discuss your situation. Call us at (435) 212-0109. Reply STOP to cancel messages."
You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at support@debtfree4free.com or call us at (435) 212-0109.
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. The frequency of messages that you receive from us varies depending on your interaction with us. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our Privacy Policy.
If you have any questions about these Website Terms, please contact us:
Email: support@debtfree4free.com
Phone: (435) 212-0109
