Program Terms & Terms of Service

1. Acceptance of These Terms

These Program Terms and Terms of Service (the “Terms”) are an agreement between you and [DEBT ANGEL LEGAL ENTITY NAME] (“Debt Angel,” “we,” “us,” or “our”) governing your use of mydebtangel.com and our debt-resolution program and related services (the “Services”). By creating an account, enrolling, or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services. Please read the risk disclosures in Section 9 carefully.

2. What Debt Angel Is — and Is Not

Debt Angel is a consumer-controlled debt-resolution program for qualifying unsecured debt. You import or enter your account information, see a side-by-side comparison of your current path versus an estimated plan, fund a dedicated account you control, and review and approve every settlement before it happens.

Debt Angel is not bankruptcy, a foreclosure-prevention or mortgage-modification program, a repossession-prevention program, or a short-sale service. We are not a lender, credit repair organization, credit counseling agency, or law firm, and we do not provide legal, tax, or financial advice. Secured debts such as mortgages and auto loans generally do not qualify, and some debts, creditors, and states are not eligible.

3. Eligibility and Availability

To use the Services you must be at least 18 years old, be a resident of a state where the Services are offered, and have qualifying unsecured debt. The Services are not available in all states. We may decline enrollment, or determine that the program is not a good fit for your situation, and we will be honest with you when that is the case.

4. Program Overview and Your Control

• You choose which qualifying unsecured accounts to enroll.
• We provide tools and, if you want, advisor assistance to help you build and track your plan.
• We may communicate and negotiate with your creditors and collectors regarding potential resolutions.
• You approve every settlement. No settlement is accepted, and no funds are disbursed to a creditor, without your authorization.
• You may move through the program self-serve or with advisor support.

5. Fees — No Upfront Fees; Performance-Based Pricing

• We charge no upfront fees. You are not charged simply to enroll.
• Our pricing is performance-based: a fee becomes due only after a debt you enrolled is actually resolved through the program and consistent with applicable law. The fee is a percentage of the enrolled debt (typically [18–25]%, disclosed to you in writing before you commit).
• Fees are paid from your dedicated account only after a settlement is reached and, where required, a payment toward that settlement has been made.
• There is no prepayment penalty. If you complete or leave the program early, you pay no additional charge beyond fees already earned.
• The all-in cost estimate and the estimated difference versus continuing minimum payments are shown before you commit. Estimates are illustrative, not guarantees.

6. Your Dedicated Account

• To participate, you fund a dedicated account that you own and control, typically held at a third-party financial institution and administered by an independent account provider.
• The funds in the dedicated account are yours. You may withdraw your funds and are entitled to them (less any fees already earned and any account-provider fees) at any time, subject to the account provider’s terms.
• You authorize deposits and specific disbursements. We do not take ownership of your settlement funds.
• The account provider’s separate agreement, fees, and privacy practices apply, and you should review them.

7. Your Responsibilities

• Provide accurate, current, and complete information, and keep it updated.
• Make consistent deposits into your dedicated account as needed.
• Review communications, comparisons, and proposed settlements, and make your own decisions.
• Understand that you remain responsible for your debts and for reviewing any settlement documents.
• Not use the Services for any unlawful or unauthorized purpose.

8. Cancellation and Refunds

• You may cancel at any time, for any reason, by contacting us at support@debtangel.example or (000) 000-0000.
• On cancellation, you are entitled to the funds remaining in your dedicated account, less any performance-based fees already earned for debts that were resolved and any account-provider fees.
• Because there are no upfront fees, you are not charged for settlements that have not occurred.
• [ADD any additional cancellation, cooling-off, or refund rights required by your state(s), as confirmed by counsel.]

9. Important Risks and Disclosures

• Credit impact: Enrolling and allowing accounts to become or remain delinquent while balances are negotiated may negatively affect your credit during the program. Recovery afterward is possible but not guaranteed and varies by individual.
• Collection activity and lawsuits: Creditors and collectors may continue collection efforts, add interest, fees, and penalties, and may sue you while you are enrolled. Debt Angel is not a law firm and does not provide legal representation.
• Not all debts settle: Creditors are not required to negotiate or accept any settlement. Results vary based on your creditors, balances, delinquency, state, and your ability to fund your plan consistently.
• No guarantee of results: We do not guarantee that any debt will be settled, the amount or percentage of any reduction, the timeline, or any particular savings.
• Tax consequences: Forgiven or canceled debt may be treated as taxable income, and creditors may issue a Form 1099-C (generally for $600 or more), although exclusions such as insolvency may apply. Consult a tax professional.
• Not legal, tax, or financial advice: Information we provide is for general educational purposes only.

10. Disclaimer of Warranties

The Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law. We do not warrant that the Services will be uninterrupted, error-free, or achieve any particular outcome.

11. Limitation of Liability

To the fullest extent permitted by law, [DEBT ANGEL LEGAL ENTITY NAME] and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising out of or relating to the Services. Our total liability for any claim relating to the Services will not exceed the total fees you paid to us in the [TWELVE (12)] months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless [DEBT ANGEL LEGAL ENTITY NAME] from claims, losses, and expenses arising out of your misuse of the Services or your violation of these Terms or applicable law, except to the extent caused by our own misconduct.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-laws rules. [SELECT AND HAVE COUNSEL DRAFT a dispute-resolution mechanism — for example, informal resolution first, then binding arbitration on an individual basis with a class-action waiver, or venue and jurisdiction in the courts of [COUNTY, STATE].] Nothing in these Terms limits any non-waivable rights you have under applicable consumer-protection law.

14. Changes to These Terms

We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and, where required, provide additional notice. Changes apply prospectively, and your continued use of the Services after they take effect means you accept them.

15. State Availability Disclaimer

The Services are offered only in states where Debt Angel is authorized to operate and are subject to state-specific terms, fee limits, and disclosures. Program availability, pricing, and terms may vary by state. See our state availability page for details.

16. Contact Us

[DEBT ANGEL LEGAL ENTITY NAME], [MAILING ADDRESS]
Email: support@debtangel.example
Phone: (000) 000-0000