Terms of Service

Agreement to Terms

By accessing and using this website, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use this website.

Description of Service

This website provides educational content, rankings, reviews, and guides related to business debt settlement and merchant cash advance (MCA) debt relief. Our content is intended to help business owners research and compare debt settlement companies.

We are an independent resource website. We are not a debt settlement company, law firm, or financial advisor. We do not provide debt settlement services, legal advice, or financial advice.

Editorial Content and Rankings

Rankings, scores, and reviews published on this website reflect the opinions of our editorial team based on publicly available information, including company disclosures, regulatory filings, client reviews, and independent evaluation. Rankings are not guarantees of service quality or outcomes.

We make reasonable efforts to ensure accuracy but do not warrant that all information is complete, current, or error-free. Company offerings, fee structures, regulatory standing, and availability may change without notice. You should verify all information directly with any company before making decisions.

Not Professional Advice

Nothing on this website constitutes legal, financial, tax, or professional advice. The information provided is for general educational and informational purposes only.

Not legal advice: No attorney-client relationship is formed by using this site. Consult a licensed attorney in your jurisdiction for legal matters.
Not financial advice: Consult a qualified financial professional before making financial decisions.
Not tax advice: Debt settlement may have tax implications. Consult a tax professional regarding your specific situation.

Affiliate Relationships and Compensation

This website may receive compensation when you click links to or contact companies featured in our content. This compensation may influence which companies appear on the site and the order in which they appear, but it does not influence our editorial scores or rankings methodology.

Our evaluation methodology is published on each ranking page. Compensation relationships are disclosed in the disclaimers section of relevant content.

Third-Party Websites

This website contains links to third-party websites operated by companies featured in our rankings, reviews, and guides. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party site.

When you leave our website and visit a third-party site, you are subject to that site’s terms of service and privacy policy. We encourage you to review those terms before providing any personal information or engaging in any transaction.

Risk Disclosure

Debt settlement involves inherent risks that you should understand before engaging any company:

There is no guarantee that any creditor or MCA funder will agree to settle
You may accrue additional interest, fees, and penalties during the settlement process
Forgiven debt exceeding $600 may be considered taxable income by the IRS (Form 1099-C)
Debt settlement may negatively affect your credit score
Creditors may pursue legal action, including lawsuits and judgments, during negotiations
Results vary based on individual circumstances, contract terms, and creditor willingness

You should consider all available options, including credit counseling, debt consolidation, direct negotiation, and bankruptcy consultation, before pursuing debt settlement.

Intellectual Property

All content on this website, including text, graphics, logos, images, data compilations, and software, is the property of this website or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website without prior written permission, except for personal, non-commercial use such as printing a single copy for your own reference.

User Conduct

You agree not to:

Use this website for any unlawful purpose
Attempt to gain unauthorized access to any part of the website or its systems
Use automated tools (bots, scrapers, crawlers) to access or collect content without permission
Interfere with or disrupt the website or servers
Transmit viruses, malware, or other harmful code
Impersonate any person or entity

Limitation of Liability

To the fullest extent permitted by law, this website and its owners, operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website, reliance on any information provided, or any actions taken based on our content.

This includes, without limitation, damages for lost profits, business interruption, loss of data, or any financial losses resulting from debt settlement decisions.

Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Indemnification

You agree to indemnify, defend, and hold harmless this website and its owners, operators, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from your use of the website, violation of these terms, or infringement of any third-party rights.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact

If you have questions about these Terms of Service, please contact us through the information provided on our website.

Last updated: April 2026