{"id":471,"date":"2022-05-04T11:26:59","date_gmt":"2022-05-04T11:26:59","guid":{"rendered":"https:\/\/demo.redsymbolhost.com\/thedebtbureau\/?page_id=471"},"modified":"2023-04-26T22:43:07","modified_gmt":"2023-04-26T22:43:07","slug":"terms","status":"publish","type":"page","link":"https:\/\/thedebtbureau.org\/terms\/","title":{"rendered":"terms"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"471\" class=\"elementor elementor-471\">\n\t\t\t\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-d4382c1 elementor-section-content-middle header-fix elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4382c1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d89f089 top-part-left\" data-id=\"d89f089\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e93e17c mb-0 elementor-widget elementor-widget-heading\" data-id=\"e93e17c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.2 - 11-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><div class=\"elementor-heading-title elementor-size-default\">Sponsored Post<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9b867b elementor-widget elementor-widget-image\" data-id=\"e9b867b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.2 - 11-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/thedebtbureau.org\/wp-content\/uploads\/2022\/05\/TDB-logo.png\" title=\"TDB-logo\" alt=\"TDB-logo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a535a94 top-part-right\" data-id=\"a535a94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a889c1c header_time inline-block mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"a889c1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.2 - 11-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tCall Before <b class=\"time\">1:00 PM<\/b>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf3e7b8 elementor-align-right inline-block btn01 header_btn fireButton elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"cf3e7b8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"tel:+18777910190\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">(877) 791-0190<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6e0810 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6e0810\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d471195\" data-id=\"d471195\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32c3ae4 elementor-widget elementor-widget-html\" data-id=\"32c3ae4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script>\r\n!function(f,b,e,v,n,t,s)\r\n{if(f.fbq)return;n=f.fbq=function(){n.callMethod?\r\nn.callMethod.apply(n,arguments):n.queue.push(arguments)};\r\nif(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\r\nn.queue=[];t=b.createElement(e);t.async=!0;\r\nt.src=v;s=b.getElementsByTagName(e)[0];\r\ns.parentNode.insertBefore(t,s)}(window, document,'script',\r\n'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\r\nfbq('init', '1885472108510242');\r\nfbq('track', 'PageView');\r\n<\/script>\r\n<noscript><img height=\"1\" width=\"1\" style=\"display:none\"\r\nsrc=\"https:\/\/www.facebook.com\/tr?id=1885472108510242&ev=PageView&noscript=1\"\r\n\/><\/noscript>\r\n<script src=\/\/b-js.ringba.com\/CA41f7fdc699a6474f901252d221c6385d async><\/script> \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce7881a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce7881a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-00d760e\" data-id=\"00d760e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b16674 elementor-widget elementor-widget-heading\" data-id=\"6b16674\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms of Use \/ Disclosurers<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65979fe mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"65979fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Last updated: December 2020.<\/b><\/p><p>Thedebtbureau.org is a referral agency that connects financial service providers with consumers to help them live healthier financial lives and when you call our number, you may be directly connected with one of our partners or a third-party to assist you. Independent providers of the services may charge fees and have their own terms of service. Thedebtbureau.org\u00a0is not responsible and does not guarantee any outcomes from these providers. Services may not be available in all states so please call or check our website for details.<\/p><p>This Agreement contains a binding arbitration agreement, which provides that you and we agree to resolve certain disputes through binding individual arbitration and give up any right to have those disputes decided by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See the Legal Disputes section of this Agreement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db7296e elementor-widget elementor-widget-heading\" data-id=\"db7296e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">AGREEMENT BETWEEN USER AND THEDEBTBUREAU.ORG<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd84a2 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"2dd84a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Thedebtbureau.org\u00a0Web Site is comprised of various Web pages operated by Thedebtbureau.org.<\/p><p>The Thedebtbureau.org\u00a0Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Thedebtbureau.org\u00a0Web Site constitutes your agreement to all such terms, conditions, and notices.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6470afb elementor-widget elementor-widget-heading\" data-id=\"6470afb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MODIFICATION OF THESE TERMS OF USE<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8c036e mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"a8c036e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org reserves the right to change the terms, conditions, and notices under which the Thedebtbureau.org\u00a0Web Site is offered, including but not limited to the charges associated with the use of the Thedebtbureau.org\u00a0Web Site.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f961a2e elementor-widget elementor-widget-heading\" data-id=\"f961a2e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">LINKS TO THIRD PARTY SITES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-024bae0 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"024bae0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Thedebtbureau.org\u00a0Web Site may contain links or phone numbers to other Web Sites (\u201cLinked Sites\u201d). The Linked Sites or call in numbers are not under the control of Thedebtbureau.org\u00a0and Thedebtbureau.org\u00a0is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Thedebtbureau.org\u00a0is not responsible for webcasting or any other form of transmission received from any Linked Site. Thedebtbureau.org\u00a0is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Thedebtbureau.org\u00a0of the site or any association with its operators.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-264f0a8 elementor-widget elementor-widget-heading\" data-id=\"264f0a8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">NO UNLAWFUL OR PROHIBITED USE<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10deabf mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"10deabf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As a condition of your use of the Thedebtbureau.org\u00a0Web Site, you warrant to Thedebtbureau.org\u00a0that you will not use the Thedebtbureau.org\u00a0Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Thedebtbureau.org\u00a0Web Site in any manner which could damage, disable, overburden, or impair the Thedebtbureau.org\u00a0Web Site or interfere with any other party\u2019s use and enjoyment of the Thedebtbureau.org\u00a0Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Thedebtbureau.org\u00a0Web Sites.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e6456 elementor-widget elementor-widget-heading\" data-id=\"f0e6456\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d87e4a mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"2d87e4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We and our affiliates, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, debt settlement companies, lenders and other financial professionals (\u201cService Providers\u201d). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider\u2019s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d889f9c elementor-widget elementor-widget-heading\" data-id=\"d889f9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">NO GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b970e6 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"0b970e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db2c24 elementor-widget elementor-widget-heading\" data-id=\"1db2c24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">USE OF COMMUNICATION SERVICES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c82b04 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4c82b04\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Thedebtbureau.org\u00a0Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and\/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, \u201cCommunication Services\u201d), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f73568 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"9f73568\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n \t<li>Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.<\/li>\n \t<li>Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.<\/li>\n \t<li>Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.<\/li>\n \t<li>Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another\u2019s computer.<\/li>\n \t<li>Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.<\/li>\n<li>Conduct or forward surveys, contests, pyramid schemes or chain letters.<\/li>\n<li>Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.<\/li>\n<li>Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.<\/li>\n<li>Restrict or inhibit any other user from using and enjoying the Communication Services.<\/li>\n<li>Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.<\/li>\n<li>Harvest or otherwise collect information about others, including e-mail addresses, without their consent.<\/li>\n<li>Violate any applicable laws or regulations.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26e14df mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"26e14df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org has no obligation to monitor the Communication Services. However, Thedebtbureau.org\u00a0reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Thedebtbureau.org\u00a0reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.<\/p><p>Thedebtbureau.org reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is Thedebtbureau.org\u2019s sole discretion.<\/p><p>Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Thedebtbureau.org\u00a0does not control or endorse the content, messages or information found in any Communication Service and, therefore, Thedebtbureau.org\u00a0specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Thedebtbureau.org\u00a0spokespersons, and their views do not necessarily reflect those of Thedebtbureau.org.<\/p><p>Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and\/or dissemination. You are responsible for adhering to such limitations if you download the materials.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d3af1 elementor-widget elementor-widget-heading\" data-id=\"d7d3af1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MATERIALS PROVIDED TO THEDEBTBUREAU.ORG OR POSTED AT ANY THEDEBTBUREAU.ORG WEB SITE<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d5d1f9 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"8d5d1f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org does not claim ownership of the materials you provide to Thedebtbureau.org\u00a0(including feedback and suggestions) or post, upload, input or submit to any Thedebtbureau.org\u00a0Web Site or its associated services (collectively \u201cSubmissions\u201d). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Thedebtbureau.org, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.<\/p><p>No compensation will be paid with respect to the use of your Submission, as provided herein. Thedebtbureau.org is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Thedebtbureau.org\u2019s sole discretion.<\/p><p>By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4f9499 elementor-widget elementor-widget-heading\" data-id=\"a4f9499\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ELECTRONIC COMMUNICATIONS<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-137b357 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"137b357\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>a) Mobile Devices<\/b><br \/>By subscribing to Thedebtbureau.org\u00a0you consent to receive electronic communications from Thedebtbureau.org\u00a0in electronic form, via email, Short Message Service (\u201cSMS Service\u201d) or wireless internet (\u201cWAP Service\u201d) and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Site to that device and understand your carrier\u2019s standard rates apply to any messages sent from Thedebtbureau.org. You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by notifying us at\u00a0<a href=\"mailto:support@thedebtbureau.org\" target=\"_blank\" rel=\"noopener\">support@thedebtbureau.org<\/a>\u00a0or you can click the \u201cOpt-out\u201d link on the bottom of the email. Only United States residents may use the SMS or WAP Service.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68e8db1 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"68e8db1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>b) Data Security<\/b><br \/>SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. Thedebtbureau.org do not guarantee your use of the SMS or WAP Services will be private or secure, and Thedebtbureau.org will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree Thedebtbureau.org may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82f450 elementor-widget elementor-widget-heading\" data-id=\"c82f450\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">LIABILITY DISCLAIMER<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-867963b mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"867963b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE THEDEBTBUREAU.ORG WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THEDEBTBUREAU.ORG AND\/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND\/OR CHANGES IN THE THEDEBTBUREAU.ORG WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE THEDEBTBUREAU.ORG WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.<\/p>\n<p>THEDEBTBUREAU.ORG AND\/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE THEDEBTBUREAU.ORG WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED \u201cAS IS\u201d WITHOUT WARRANTY OR CONDITION OF ANY KIND. THEDEBTBUREAU.ORG AND\/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.<\/p>\n<p>TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THEDEBTBUREAU.ORG AND\/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE THEDEBTBUREAU.ORG WEB SITE, WITH THE DELAY OR INABILITY TO USE THE THEDEBTBUREAU.ORG WEB SITE OR RELATED OR OFFERED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE THEDEBTBUREAU.ORG WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE THEDEBTBUREAU.ORG WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THEDEBTBUREAU.ORG OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES\/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE THEDEBTBUREAU.ORG WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE THEDEBTBUREAU.ORG WEB SITE.<br>SERVICE CONTACT:&nbsp;<a style=\"background-color: #f9fafb;\" href=\"mailto:support@thedebtbureau.org\" target=\"_blank\" rel=\"noopener\">support@thedebtbureau.org<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b7d9c3 elementor-widget elementor-widget-heading\" data-id=\"5b7d9c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TERMINATION\/ACCESS RESTRICTION<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2467b29 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"2467b29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org reserves the right, in its sole discretion, to terminate your access to the Thedebtbureau.org Web Site and the related services or any portion thereof at any time, without notice. GENERAL. Use of the Thedebtbureau.org Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Thedebtbureau.org as a result of this agreement or use of the Thedebtbureau.org Web Site. Thedebtbureau.org\u2019s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Thedebtbureau.org\u2019s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Thedebtbureau.org Web Site or information provided to or gathered by Thedebtbureau.org with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Thedebtbureau.org with respect to the Thedebtbureau.org Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Thedebtbureau.org with respect to the Thedebtbureau.org Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb2d857 elementor-widget elementor-widget-heading\" data-id=\"eb2d857\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">COPYRIGHT AND TRADEMARK NOTICES:<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76c8b5a mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"76c8b5a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org, and the Thedebtbureau.org logo are trademarks, trade names or service marks of Web Grazers, LLC or its related companies. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of Thedebtbureau.org or the owner of such trademark or service mark.<br \/>The names of actual companies and products mentioned herein may be the trademarks of their respective owners.<br \/>The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.<br \/>Any rights not expressly granted herein are reserved.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4db48a1 elementor-widget elementor-widget-heading\" data-id=\"4db48a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">COPYRIGHT INFRINGEMENT POLICY<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13d0c2b mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"13d0c2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (\u201cDMCA\u201d), Thedebtbureau.org will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7605ff mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"d7605ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n \t<li>a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;<\/li>\n \t<li>identification of the copyrighted work(s) claimed to have been infringed, including copyright date;<\/li>\n \t<li>identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;<\/li>\n \t<li>information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;<\/li>\n \t<li>a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and<\/li>\n \t<li>a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1f73e1 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"d1f73e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org\u2019s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa975f4 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"aa975f4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Thedebtbureau.org<br \/>8977 S 1300 W #2071<br \/>West Jordan, UT 84088<br \/>or<a href=\"mailto:support@thedebtbureau.org\" target=\"_blank\" rel=\"noopener\"> contact us\u00a0<\/a>online<br \/>I can call Thedebtbureau.org at <a href=\"tel:+18777681496\">(877) 768-1496<\/a> to speak to an agent.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-064c704 elementor-widget elementor-widget-heading\" data-id=\"064c704\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">YOUR INDEMNIFICATION OF US<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-424fac2 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"424fac2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys\u2019 fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by us; (iii) your access or use of our Services; (iv) access or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); and\/or (vi) any personal injury or property damage caused by you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b19b1 elementor-widget elementor-widget-heading\" data-id=\"d7b19b1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">AMENDMENTS OF THIS AGREEMENT<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83c5dc6 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"83c5dc6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We reserve the right to update, amend and\/or change this Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92ef9b0 elementor-widget elementor-widget-heading\" data-id=\"92ef9b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">LEGAL DISPUTES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0198e9 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"f0198e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You and we agree that any claim or dispute at law or equity that has arisen or may arise between us relating in any way to or arising out of this or previous versions of this Agreement, your use of or access to the Services will be resolved in accordance with the provisions set forth in this Legal Disputes section. Please read this section carefully. It affects your rights and will have a substantial impact on how claims you and we have against each other are resolved.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c28415 elementor-widget elementor-widget-heading\" data-id=\"2c28415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ARBITRATION\/CLASS WAIVER\/OPT OUT CLAUSES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0f1cc2 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"c0f1cc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li>You and we each agree to resolve exclusively through final and binding arbitration any and all disputes or claims that have arisen or may arise between you and us (including any affiliates, officers, directors, employees, and agents), whether or not such dispute or claim involves a third party, relating in any way to any aspect of our relationship or any contact between us, direct or indirect, or arising out of this or previous versions of this Agreement, your use of or access to our Services, or any products or services sold, offered, or purchased through our Services (\u201cDispute\u201d).<\/li><li>You and we agree to submit the Dispute to a single arbitrator under the then-current Commercial Arbitration Rules of the American Arbitration Association (AAA), or, by separate mutual agreement, at another arbitration institution. The AAA\u2019s rules, information regarding initiating a claim, and a description of the arbitration process are available at www.adr.org. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA rules. As an alternative, you or we may bring a claim in your local \u201csmall claims\u201d court, if permitted by that small claims court\u2019s rules.<\/li><li>Class Action\/Jury Waiver: You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person\u2019s use of the site or our services. You and we agree to waive the right to a trial by jury for all disputes.<p>You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing, within 30 days of the date that you first began using this Site subject to these arbitration terms or changes to them, either by U.S. mail delivered to: Attn: Legal Department, Thedebtbureau.org 8977 S 1300 W #2071 West Jordan, UT 84088 or <a href=\"mailto:support@thedebtbureau.org\" target=\"_blank\" rel=\"noopener\">contact us<\/a>\u00a0online or call Thedebtbureau.org at\u00a0<a href=\"http:\/\/tel:+18777681496\" target=\"_blank\" rel=\"noopener\">(877) 768-1496<\/a>\u00a0to speak to an agent You must include: (1) your name and residence address; (2) the email address and\/or mobile telephone number associated with your account; and (3) a clear statement that you want to opt out of this agreement to arbitrate.<\/p><\/li><li>If the prohibition against class actions and other claims brought on behalf of third parties contained in Section 1.3, above, is found to be unenforceable, then all of Section 1 will be null and void as to that Dispute.<\/li><li>This Agreement to Arbitrate will survive the termination of your relationship with us:<ul><li>Unless you and we agree otherwise, if you opt out of the Agreement to Arbitrate, if the Agreement to Arbitrate is found by a court to be unenforceable, if your claim is not covered by the Agreement to Arbitrate.<\/li><li>Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.<\/li><\/ul><p>This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them.<\/p><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18579c8 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"18579c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The offers that you are matched up with are from companies or attorneys\/law firms that we may receive compensation from. We do recommend that you shop around and compare services and costs with other companies while performing you own due diligence, especially since people\u2019s experiences with companies can change over time.\nWe may be compensated for the following:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc4dbe9 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"fc4dbe9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>Referrals to consumers who use the online form, call the phone numbers or locator line that may provide expert answers to questions;<\/li>\n<li>Marketing\/leads sold to tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance, mortgage refinance, credit card debt settlement, credit card debt validation, personal loans, reverse mortgage, and others<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2019c58 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"2019c58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>We are not attorneys and we don\u2019t provide legal advice.<\/b> As always, we encourage you to do your homework and check out individuals and companies before you hire them. If you are already working with an attorney, we urge you to ask them your questions. After all, they will be familiar with your situation and the laws in your state.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b704b89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b704b89\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-703f3d0\" data-id=\"703f3d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1f9f07b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1f9f07b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f917692\" data-id=\"f917692\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bde14cb elementor-widget elementor-widget-image\" data-id=\"bde14cb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/thedebtbureau.org\/wp-content\/uploads\/2022\/05\/TDB-logo-white.png\" title=\"TDB-logo-white\" alt=\"TDB-logo-white\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca328b elementor-widget elementor-widget-text-editor\" data-id=\"1ca328b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWe are the go to resource for figuring out how to get your finances into check. Learn financial strategies, find resources, and more.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-64c8c78\" data-id=\"64c8c78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4df1d26 elementor-align-right btn01 fireButton elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"4df1d26\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"tel:+18777910190\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">(877) 791-0190<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6847d28 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6847d28\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4b61b0d\" data-id=\"4b61b0d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9be6437 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9be6437\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.2 - 11-05-2023 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d5eb3b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"0d5eb3b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ae58507\" data-id=\"ae58507\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ecc413 footer-bottom-content mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4ecc413\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><small>Videos are paid actor representative testimonials. For email assistance, please contact <a style=\"text-decoration: none; color: #fff;\" href=\"mailto:support@thedebtbureau.org\">support@thedebtbureau.org<\/a> or Call <a style=\"color: #b0bec5; text-decoration: none;\" href=\"tel:+18005418589\">(800) 541-8589<\/a><\/small><\/p><p><small>Your results will vary depending on how much debt you are starting with, the effort you put in, timeliness of your payments, and the diligence you use in following our methods.<\/small><\/p><p><small>This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them. The Debt Bureau is a referral company. By calling and\/or submitting your information to the company, it will share it with or forward your call to outside affiliates that pay The Debt Bureau to match consumers with their services.<\/small><\/p><p><small>Our goal is to provide exceptional service. One of our agents may reach out to you to discuss your order, ask for feedback, and \/ or see if you need any assistance with your products, services, or plans, at the phone number you provided regardless of your do-not-call list status. You may opt out of further contact at any time by simply telling our customer service team that you would no longer like to be contacted. In the event that our team is unable to reach you by phone, they may send you a text message letting you know that we called. Both our text messages and phone calls may be sent or connected utilizing automated software. Carrier charges may apply. You may opt out of any future contact via text message by replying anytime with &#8220;STOP&#8221;.<\/small><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-465cbbc elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"465cbbc\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/thedebtbureau.org\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/privacy-policy\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Privacy Policy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/terms\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Terms of Service<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f17b54 footer-bottom elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f17b54\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45bf481\" data-id=\"45bf481\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6a3a4 inline-block mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"3f6a3a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<a style=\"color: #333;text-decoration: none;\" href=\"tel:+18884790962\"><b>Start Becoming Debt-Free. Make the 15-Minute Phone Call<\/b><\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c416c57 elementor-align-right inline-block btn01 fireButton elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"c416c57\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"tel:+18777910190\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">(877) 791-0190<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0a53509 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a53509\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2c9925\" data-id=\"b2c9925\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4a3cef elementor-widget elementor-widget-html\" data-id=\"c4a3cef\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script>\r\n\tvar now = new Date; now.setMinutes(0); now.setSeconds(0);\r\n\tnow.setMinutes((new Date).getMinutes() > 30 ? 90 : 60);\r\n\tvar timenow = now.toLocaleTimeString().replace(\/:\\d{2} \/, ' ');\r\n\tdocument.querySelectorAll('.time').forEach(function (time) {\r\n\t\ttime.innerText = timenow;\r\n\t});\r\n\t\r\n\t\r\n\tjQuery('.fireButton a').on('click', function(){\r\n\t    \r\n\t    fbq('trackCustom', 'CCDebtCallFire');\r\n\t    console.log('fire ho gaya');\r\n\t});\r\n\t<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Sponsored Post Call Before 1:00 PM (877) 791-0190 Terms of Use \/ Disclosurers Last updated: December 2020. Thedebtbureau.org is a referral agency that connects financial service providers with consumers to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/pages\/471"}],"collection":[{"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/comments?post=471"}],"version-history":[{"count":143,"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/pages\/471\/revisions"}],"predecessor-version":[{"id":7468,"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/pages\/471\/revisions\/7468"}],"wp:attachment":[{"href":"https:\/\/thedebtbureau.org\/wp-json\/wp\/v2\/media?parent=471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}