Terms & Conditions
Effective Date: 12/1/2023
Last Reviewed: 05/02/2025
Welcome to TOP DEBT OPTIONS, operated as a joint venture between TOP DEBT OPTIONS, LLC, Debt Wave Credit Counseling, Inc., and Fitz Media Group LLC (collectively, the “Joint Venture Partners”). By using this website, https://topdebtoptions.com (“Site”), you agree to the following Terms and Conditions (“Terms”).
1. About TOP DEBT OPTIONS
TOP DEBT OPTIONS is not a loan provider. Instead, it functions as a matching platform to connect you with potential lending partners or debt relief providers. All loan decisions, terms, and conditions are determined solely by the providers at the time of your application. TOP DEBT OPTIONS is a DBA of TOP DEBT OPTIONS, LLC and operates as a joint venture with Debtwave USA, Inc. and Fitz Media Group LLC. Services may not be available in all states.
2. Privacy
Your use of https://topdebtoptions.com is subject to our Privacy Policy. This document outlines our data collection, use, and sharing practices, including how your information may be shared between the Joint Venture Partners.
3. Electronic Communications
By visiting our Site or communicating with us electronically, you consent to receive electronic communications from us and agree that any notices, disclosures, and agreements we provide electronically satisfy any legal requirement that such communications be in writing.
4. Your Account
If you create an account on the Site, you are responsible for maintaining its confidentiality and for all activities that occur under your account. You may not assign or otherwise transfer your account to another person or entity. TOP DEBT OPTIONS and its affiliates reserve the right to refuse or cancel service, terminate accounts, or remove content at their sole discretion.
5. Children Under Eighteen
We do not knowingly collect personal information from individuals under the age of eighteen (18). If you are under 18, please do not use the Site.
6. No Unlawful or Prohibited Use
You agree not to use the Site for any purpose that is unlawful or prohibited by these Terms. This includes damaging, disabling, or impairing the Site or interfering with others’ use. You may not attempt to obtain any information not intentionally made available through the Site.
7. Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of TOP DEBT OPTIONS or its suppliers and is protected by intellectual property laws. You may not use the Site’s content except as expressly authorized in these Terms.
8. International Users
This Site is operated from the USA. If you access it from outside the USA, you are responsible for complying with your local laws.
9. Indemnification
You agree to indemnify and hold harmless the Joint Venture Partners from any claims, losses, or damages arising out of your use of the Site, including but not limited to violations of these Terms or third-party rights.
10. Arbitration
All disputes shall be resolved by final and binding arbitration under the Federal Arbitration Act. Arbitration will be administered by the American Arbitration Association or another mutually agreed-upon service. The prevailing party will be entitled to reasonable attorney’s fees.
11. Class Action Waiver
Disputes must be brought on an individual basis. No class or representative actions or arbitrations are permitted.
12. Liability Disclaimer
The Site and its content are provided “as is” without warranty. The Joint Venture Partners disclaim all warranties, express or implied. We are not liable for any damages arising from use of the Site.
13. Termination
We reserve the right to terminate your access to the Site at any time without notice.
14. Governing Law
These Terms are governed by the laws of South Carolina. All disputes shall be subject to the jurisdiction of courts located in South Carolina.
15. Joint Venture Relationship
By using this Site, you acknowledge that TOP DEBT OPTIONS is operated as a joint venture between the following entities:
- TOP DEBT OPTIONS, LLC
- Debtwave Credit Counseling, Inc.
- Fitz Media Group LLC
These Joint Venture Partners collectively collaborate to market, fulfill, and optimize the services offered on the Site. You consent to the sharing of your information among these partners as necessary to provide services or as otherwise disclosed in the Privacy Policy.
16. Entire Agreement
These Terms constitute the entire agreement between you and the Joint Venture Partners regarding the Site and supersede all prior communications.
17. Changes to Terms
We reserve the right to update or modify these Terms at any time. Continued use of the Site after changes means you accept the updated Terms. The most current version of the Terms will always be available on the Site.
Contact Information
TOP DEBT OPTIONS
8595 Pelham Rd Suite 400 #839
Greenville, SC 29615
info@topdebtoptions.com
Terms & Conditions
Effective Date: December 1, 2023
Last Reviewed: May 2, 2025
Welcome to Debtwave.org, an online platform operated and managed by DebtWave Credit Counseling, Inc., a 501(c)(3) nonprofit credit counseling agency, in partnership with Fitz Media Group LLC and MVP Digital Agency LLC, doing business as The VAM Group (collectively, the “Partners”).
By accessing or using this website (the “Site”), you agree to be bound by the following Terms and Conditions (“Terms”). Please read them carefully.
1. About Debtwave.org
Debtwave.org is not a lender, creditor, or loan originator. It is a digital matching and educational platform that connects individuals with licensed and accredited debt relief and credit counseling service providers. All final terms, offers, or service conditions are provided by third-party affiliates or licensed professionals, not Debtwave.org.
Debtwave.org is operated by DebtWave Credit Counseling, Inc., which manages the operational infrastructure, compliance, and user experience. Fitz Media Group LLC and The VAM Group support marketing, media, and technical deployment.
Note: Service availability may vary by state.
2. Privacy
Our data handling practices are governed by our Privacy Policy, which complies with the Gramm-Leach-Bliley Act and other applicable consumer privacy regulations. By using this Site, you consent to the collection and use of your information as described in the Privacy Policy.
3. Electronic Communication
When you interact with Debtwave.org via email, form submissions, or other digital channels, you consent to receive communications from us electronically, including legally required notices.
4. User Accounts
You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us of any unauthorized access or suspicious activity. We reserve the right to suspend or terminate accounts without notice at our discretion.
5. Age Requirements
The Site is intended for individuals age 18 and older. We do not knowingly collect or solicit data from minors.
6. Permitted Use
You agree not to use the Site for any unlawful or prohibited purposes. This includes attempting to compromise system integrity, access data you are not authorized to access, or interfere with service availability.
7. Intellectual Property
All content on this Site—including text, images, code, and branding—is the property of DebtWave Credit Counseling, Inc. or its partners and is protected under applicable intellectual property laws. No portion of the Site may be reused without explicit written consent.
8. International Use
The Site is operated from the United States and is intended for U.S. residents. Access from other jurisdictions is at your own risk and responsibility.
9. Indemnification
You agree to indemnify and hold harmless DebtWave Credit Counseling, Inc., Fitz Media Group LLC, The VAM Group, and all affiliated partners from any claims, liabilities, or expenses arising from your misuse of the Site or your violation of these Terms.
10. Dispute Resolution
All disputes will be resolved through binding arbitration under the Federal Arbitration Act. Arbitration will be conducted by the American Arbitration Association (AAA) or another mutually agreed-upon service. Each party is responsible for its own legal costs unless otherwise determined by the arbitrator.
11. Class Action Waiver
You agree to resolve any disputes with Debtwave.org on an individual basis and waive the right to participate in any class action or representative proceeding.
12. Disclaimer of Warranties
The Site and its contents are provided “as is” without warranties of any kind, either expressed or implied. The Partners disclaim any liability for errors, inaccuracies, or interruptions in service.
13. Termination of Access
We may suspend or terminate your access to the Site or your account without notice for any reason deemed appropriate by our operational or legal team.
14. Governing Law
These Terms are governed by the laws of the State of California. Any legal disputes shall be resolved within the jurisdiction of courts located in San Diego County, California.
15. Our Partners
Debtwave.org operates through a network of partners, including but not limited to:
- Fitz Media Group LLC (Media & Outreach Partner)
- MVP Digital Agency LLC dba The VAM Group (Technology & Marketing Execution)
- Certified third-party credit counseling and debt relief agencies listed on our partners page
We may share user data only as necessary to fulfill service requests, as governed by our Privacy Policy.
16. Contact Information
Principal Address
DebtWave Credit Counseling, Inc.
500 La Terraza Blvd, Suite 150
Escondido, CA 92025
Mailing Address
1835A S. Centre City Parkway, #508
Escondido, CA 92025
Business Hours (PST)
Monday – Thursday: 7 AM – 4 PM
Friday: 7 AM – 3 PM
Email: info@debtwave.org
Phone: (888) 686-4040
17. Entire Agreement
These Terms, along with the Privacy Policy and any other legal notices on the Site, constitute the entire agreement between you and the Partners regarding the use of the Site and supersede all prior agreements or representations.
18. Changes to These Terms
We may revise these Terms at any time. The updated version will be effective as of the “Last Reviewed” date above. Your continued use of the Site after any modifications constitutes acceptance of the new Terms.