Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and BusinessDebtMatch.com ("BusinessDebtMatch," "we," "our," or "us") governing your access to and use of our website located at BusinessDebtMatch.com (the "Site") and all related services, features, and content (collectively, the "Services").

By accessing or using our Site, submitting any information through our quiz or contact forms, or clicking "I Agree" or any similar button, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of the Site and Services. We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

BusinessDebtMatch.com is an independent, third-party matching and lead generation platform. Our Services are designed to help business owners who are struggling with commercial debt — including Merchant Cash Advances (MCAs), business loans, lines of credit, and other business obligations — identify and connect with licensed debt relief service providers.

We are not a debt relief company, debt settlement company, credit counseling agency, law firm, financial institution, or lender. We do not provide debt relief services, legal advice, financial advice, or tax advice. We do not negotiate with creditors on your behalf.

Our role is limited to: (a) collecting information about your debt situation through our quiz and contact forms; (b) evaluating that information to identify potentially suitable debt relief partners; and (c) transmitting your information to one or more partner companies in our network. Any debt relief services you receive will be provided by those partner companies, not by BusinessDebtMatch.

To use our Services, you must:

• Be at least 18 years of age.
• Be a business owner, officer, authorized representative, or agent of a business entity.
• Be a resident of the United States.
• Have the legal authority to enter into these Terms on behalf of yourself and, if applicable, your business.
• Provide accurate, current, and complete information when using our Services.

By using our Services, you represent and warrant that you meet all eligibility requirements. We reserve the right to refuse service to anyone for any reason at any time.

You expressly acknowledge and agree that BusinessDebtMatch operates as a lead generation service. When you submit information through our Site, you are consenting to have that information shared with one or more third-party debt relief companies in our partner network.

Specifically, by submitting your information, you authorize BusinessDebtMatch to:

• Collect, store, and process the personal and financial information you provide.
• Transmit your name, email address, phone number, business name, debt amount, debt type, lender information, and other submitted details to partner debt relief companies.
• Allow those partner companies to contact you by phone, email, and/or text message (including automated calls and messages) regarding their debt relief services.

Our primary partner is Creditors Relief. We may also share your information with other licensed and vetted debt relief providers depending on your debt profile and location.

Once your information is transmitted to a partner company, that company's relationship with you is governed by its own terms of service and privacy policy. BusinessDebtMatch is not responsible for the actions, representations, services, or omissions of any partner company.

BusinessDebtMatch makes no representations or warranties regarding the outcome of any debt relief program, negotiation, or service provided by our partner companies. Debt relief results vary significantly based on individual circumstances, including but not limited to:

• The type and amount of debt owed.
• The specific lenders or creditors involved.
• Your business's financial condition and cash flow.
• The debt relief strategy employed.
• Applicable laws and regulations in your jurisdiction.

Testimonials, savings figures, and case studies displayed on our Site represent the experiences of specific individuals and are not guarantees of future results. Individual results will vary.

We do not guarantee that you will be matched with a partner company, that any partner company will accept your case, or that you will achieve any specific outcome from using our Services or working with any partner company.

Our matching and referral services are provided to you at no cost. We are compensated by our partner companies when a referral is made or when a user engages with a partner's services. This compensation may influence which partner companies we feature or prioritize in our matching process.

Debt relief services provided by our partner companies may involve fees charged by those companies. Any fees associated with debt relief services are governed by the agreements you enter into directly with those partner companies. We encourage you to carefully review all fee disclosures before enrolling in any debt relief program.

You represent and warrant that all information you submit through our Site is accurate, complete, and current. You agree not to submit false, misleading, or fraudulent information. Providing inaccurate information may result in an inappropriate match, inability to qualify for debt relief programs, or other adverse consequences.

We reserve the right to verify the information you provide and to reject or discard any submission that we believe to be inaccurate, incomplete, or fraudulent.

All content on our Site — including text, graphics, logos, images, audio clips, digital downloads, and software — is the property of BusinessDebtMatch.com or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes in connection with evaluating our Services. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent.

You agree not to use our Site or Services to:

• Submit false, misleading, or fraudulent information.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Engage in any activity that interferes with or disrupts the Site or its servers.
• Attempt to gain unauthorized access to any portion of the Site or any systems connected to the Site.
• Use any automated means (bots, scrapers, crawlers) to access the Site or collect information from it.
• Violate any applicable federal, state, local, or international law or regulation.
• Transmit any unsolicited or unauthorized advertising, promotional materials, spam, or any other form of solicitation.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

BusinessDebtMatch does not warrant that: (a) the Site will be uninterrupted, secure, or error-free; (b) any information obtained through the Site will be accurate or reliable; (c) any defects or errors will be corrected; or (d) the Site or its servers are free of viruses or other harmful components.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUSINESSDEBTMATCH, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In no event shall our total liability to you for all claims arising out of or related to these Terms or your use of the Services exceed the greater of (a) $100 or (b) the amount you paid to us, if any, in the twelve months preceding the claim.

You agree to defend, indemnify, and hold harmless BusinessDebtMatch and its officers, directors, employees, contractors, agents, licensors, service providers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including but not limited to any use of the Site's content, services, and products other than as expressly authorized in these Terms.

Our Site may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We have no control over the content, privacy policies, or practices of any third-party sites or services. We do not endorse and are not responsible for any third-party sites, services, or content.

Your interactions with any third-party service provider, including our partner debt relief companies, are solely between you and that third party. We encourage you to read the terms of service and privacy policies of any third-party services you access.

These Terms and any dispute arising out of or related to these Terms or the Site shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Arbitration Agreement: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or to the use of the Services, shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis and not as a class action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

We reserve the right to terminate or suspend your access to the Site and Services, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and BusinessDebtMatch concerning your use of the Site and Services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Site.

If you have any questions about these Terms of Service, please contact us at: