Terms of Use — Clearpath Debt Relief

1. Acceptance of Terms

By accessing or using the Clearpath Debt Relief website (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Site.

2. Not Legal, Tax, or Financial Advice

Clearpath Debt Relief is not a law firm, credit repair organization, lender, or financial advisor. Content on the Site is for general informational purposes only and does not constitute legal, tax, bankruptcy, credit, or financial advice. You should consult a qualified professional regarding your specific situation.

3. Eligibility

You must be at least 18 years old and a U.S. resident to use the Site or submit a consultation request. Debt relief programs are not available in every state and not all consumers will qualify.

4. Debt Relief Program Disclosures

Debt settlement programs typically involve discontinuing payments to creditors and accumulating funds in a dedicated account, which may negatively affect your credit score and could result in collection calls or lawsuits from creditors. Settled debt may be reported to the IRS as taxable income. Program length, fees, and results vary and will be disclosed by the debt relief provider you are matched with prior to enrollment.

5. Lead Referral

Clearpath Debt Relief may act as a marketing and referral service that matches consumers with third-party debt relief providers. We do not guarantee any specific outcome, savings amount, or approval into a program.

6. User Conduct

You agree to provide accurate information, to use the Site only for lawful purposes, and not to interfere with the Site's operation or security.

7. Intellectual Property

All content, trademarks, logos, and materials on the Site are the property of Clearpath Debt Relief or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, Clearpath Debt Relief and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any referred provider's services.

10. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, policies, or practices of any third party.

11. Changes to These Terms

We may modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the United States and the state in which Clearpath Debt Relief is organized, without regard to conflict-of-law principles.