Terms Of Use

Last updated: May 2026

Please note that all calls and communications with Consumer Debt Management Service may be recorded or monitored for quality assurance and training purposes.

Agreement Between User and Consumer Debt Management Service

Please read the terms of service set forth below (the “Terms”) carefully. They govern your use of this website on the World Wide Web (the “Site”) and are legally binding on you. If you do not agree with any of these Terms, do not access or otherwise use this Site or any information contained on the Site. Your use of the Site shall be deemed to be your agreement to abide by each of the Terms set forth below.

Notice of Binding Arbitration: This Agreement contains a binding arbitration agreement. These Terms affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials. As a condition of using this Site, you agree that any disputes pertaining to information presented herein and use of the Site shall be resolved through binding arbitration and not in a court. You have the right to opt-out of our agreement to arbitrate as detailed below.

Consumer Debt Management Service provides "The User" with access to its financial relief content, resources, education, interactive application tools, communication interfaces, and associated portal platforms through its network of web properties (collectively, “The Service”). We provide our service to you subject to the following Terms of Service.

We are not responsible for providing your access facilities, internet connections, or hardware equipment to interact with our Service. You comprehend and agree that The Service may include transactional confirmations, automated updates, or administrative notices, and that these are necessary for us to provide The Service. You also understand and agree that we make no submission about the absolute suitability, reliability, availability, timeliness, and accuracy of the information, products, services, and related graphics contained within The Service for any purpose. The Service is provided “as is” without warranty of any kind.

Under no circumstances is Consumer Debt Management Service advertising, offering, or selling credit repair services through this website or any other means.

We are firmly committed to making our programs and services available to all individuals for whom those programs are suitable and do not tolerate discriminatory practices. Accordingly, it is our policy to ensure equal opportunity and access to our programs and services without discrimination on the basis of race, color, religion, sex, marital status, citizenship, national origin, or ancestry.

Modification of These Terms

We reserve the right to change any of the terms, conditions, and notices under which The Services are offered. You are responsible for regularly reviewing these Terms of Service, including any changes or modifications incorporated by us from time to time. Your continued use of The Service constitutes your agreement to all such terms, conditions, and notices.

Modification to The Service

We reserve the right to modify or discontinue, temporarily or permanently, The Service (or any part thereof) with or without notice to The User at any time. The User agrees that we shall not be liable to The User or any third party for any modification, suspension, or discontinuance of the Service.

User Conduct and Registrations

The Service may include email notification services, interactive multi-step onboarding systems, secure application panels, or customer chat facilities designed to enable efficient communication (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to submit, post, send, and receive materials that are proper and directly relevant to the specific application or service interface. You also hereby agree that you shall not make use of The Service for any unauthorized commercial purpose, including reselling, co-branding, or private labeling.

As a condition of your use of The Service, you agree to:

1. Provide true, accurate, current, and complete information about yourself as required by The Service’s secure registration forms and onboarding applications.
2. Maintain and promptly update your profile information via your account panel to keep it accurate, current, and complete. If you provide any information that is untrue, inaccurate, or incomplete, we retain the right to terminate your user account and refuse any and all current or future use of The Service.
3. Grant us the right to use aggregate registration information in connection with our services, subject to the parameters of our Privacy Policy. This may be used to customize your dashboard experience or notify you of specific financial relief avenues.

Usage Obligations

You will not use The Service for any illegal purposes. You will be solely responsible for the contents of transmissions or applications made by you through the platform. You agree not to use The Service to:

• Obstruct or hinder the use and enjoyment of The Service by other Users;
• Violate any applicable local, state, national, or international laws and regulations;
• Impersonate any person or entity, or falsely state or otherwise misrepresent your identity or affiliation;
• Interfere with, disrupt, or bypass the security infrastructure, servers, or networks connected to The Service;
• Upload files that contain viruses, worms, corrupted files, or any malicious code designed to disrupt or limit the operation of our application infrastructure;
• Reproduce, duplicate, copy, sell, or exploit for any commercial purposes any portion of The Service;
• Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or any other financial consumer protection laws.

We have no obligation to actively monitor public transmissions; however, we reserve the right to review submitted materials and remove content at our discretion. We reserve the right to terminate your access to any or all of The Services at any time, without notice, for any violation of these terms.

User Account, Password, and Security

As part of the registration process, you will establish account credentials, including a validated email address and a secure password. You take total responsibility for maintaining the confidentiality of your password and account panel. You are also entirely responsible for any and all activities that occur under your account.

You agree to notify us immediately at support@consumerdebtmanagementservice.com regarding any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage incurred as a result of unauthorized usage of your account; however, you could be held liable for losses incurred by us or a third party due to your failure to safeguard your login security.

Limitation of Liability

You expressly understand and agree that, to the maximum extent permitted by law, Consumer Debt Management Service shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages. This includes but is not limited to damages for loss of profits, goodwill, data, or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:

• The use or the inability to use the Service;
• The cost of procurement of substitute services resulting from any transactions entered into through or from the Service;
• Unauthorized access to or alteration of your transmissions or database data;
• Statements or conduct of any third party on the Service; or
• Any other matter relating to the Service.

Intellectual Property and Automated Scraps

We strictly prohibit any third parties from repurposing, scraping, or spinning (whether automatically or manually) any of our structural articles, service descriptions, application categories, code modules, or platform text found on its website without express written consent.

We will enforce our copyright and other intellectual property rights to the full extent of the law. It is permissible to feature an excerpt of up to 25 words of directly quoted text from our educational copy for discussion purposes, provided it clearly links back to the full text source at consumerdebtmanagementservice.com.

Automated Communications and SMS Terms

Auto-Dialed Contacts

By entering your contact information into our web forms, you explicitly request to receive transactional details and service alerts via telephone call and email (including through the use of an automated notification system or artificial/templated messaging, even if your phone number is currently listed on a corporate, state, or federal Do Not Call registry). Consent is not a mandatory requirement to purchase services. Standard data rates may apply.

SMS Notifications

When you opt-in to receive status updates or alerts regarding your application steps, we may send transactional text messages.

• Message frequency varies based on your direct interactions with our application steps.
• You can cancel this notifications service at any time by texting "STOP" in reply to our messages. Once received, we will send an automated reply to confirm you have been unsubscribed.
• For account assistance, text "HELP" or contact our support team.
• Wireless providers and carriers are not liable for delayed or undelivered messages.

Disputes and Arbitration / Class Action Waiver

Any dispute relating in any way to your visiting this website or your use of any of the Services shall be submitted to confidential, binding arbitration, except that, to the extent you have in any manner violated or threatened to violate our intellectual property or system integrity rights, we may seek injunctive or appropriate relief in any court of competent jurisdiction.

Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association (AAA). The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms shall be joined to an arbitration involving any other party subject to these terms, whether through class arbitration proceedings or otherwise.

Arbitration Opt-Out Procedure

You may opt out of this Agreement to Arbitrate. To do so, you must notify us in writing within 30 days of the date that you first accessed the Site or accepted these terms. Your written notification must be sent via email to legal@consumerdebtmanagementservice.com and must explicitly include:

1. Your full name and current residential address;
2. The exact email address and mobile phone number associated with your portal profile;
3. A clear, unambiguous statement expressing your choice to opt out of the agreement to arbitrate.