**Last Updated:** May 6, 2025

Please read these Terms and Conditions ("Terms", "Terms of Service") carefully before using the LoanDebtFix.com website (the "Service") operated by **LoanDebtFix.com** ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, businesses, and others who wish to access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.

**1. The Service**

LoanDebtFix.com is an online directory service. We provide a platform that lists information about third-party businesses and professionals offering **loan forgiveness** and **debt relief** services. Users can browse, search, and filter these listings to find potential service providers. The Service also provides informational content, such as blog posts.

**Crucially, LoanDebtFix.com IS NOT a provider of loan forgiveness, debt relief, debt settlement, credit counseling, financial, legal, or any other related services.** We are solely a directory connecting users with third-party providers.

**2. Third-Party Listings and Content**

* The Service displays information about businesses based on submissions provided by those businesses and/or information we collect from publicly available sources.
* We do not endorse or guarantee the accuracy, completeness, quality, legality, or safety of any listed business, their services, credentials, licenses, or any claims made in their listings or on their own websites.
* Any interactions, agreements, or disputes between a user and a listed business are solely between those parties. LoanDebtFix.com is not a party to such interactions and is not responsible for any outcomes.
* Informational content on the Service (such as blog posts) is for general knowledge only and does not constitute professional advice.

**3. User Responsibilities**

By using the Service, you agree to:
* Use the Service only for lawful purposes and in accordance with these Terms.
* Exercise caution and conduct your own thorough research and due diligence before engaging with any business or professional listed on the Service. Verify credentials, licenses, and suitability for your needs.
* Do not use the Service in any way that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Service.
* Do not attempt to gain unauthorized access to any part of the Service, other users' data, or our systems.
* Do not use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including scraping or data extraction.

**4. Business / Lister Responsibilities**

If you are a business submitting information for a listing on the Service (via our form or other means), you agree to:
* Provide information that is accurate, complete, truthful, and not misleading.
* Ensure you have all necessary licenses, permits, and authorizations required to provide the services you list in all the locations you claim to serve.
* Keep your listing information updated by contacting us if details change.
* Grant LoanDebtFix.com a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display your submitted information for the purpose of operating and promoting the directory service.
* Understand that submission of information does not guarantee inclusion in the directory, and we reserve the right to edit or remove listings at our discretion.

**5. Intellectual Property**

The Service and its original content (excluding content provided by users or listed businesses), features, and functionality are and will remain the exclusive property of **LoanDebtFix.com** and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

**6. Links to Other Websites**

The Service may contain links to third-party websites or services that are not owned or controlled by **LoanDebtFix.com**.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that **LoanDebtFix.com** shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

**7. Disclaimer of Warranties**

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

**LoanDebtFix.com** its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

**8. Limitation of Liability**

In no event shall **LoanDebtFix.com**, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service, including but not limited to defamatory, offensive or illegal conduct of other users or third parties; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

**9. Governing Law**

These Terms shall be governed and construed in accordance with the laws of Texas, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had regarding the Service.

**10. Changes**

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

**11. Contact Us**

If you have any questions about these Terms, please contact us.