Terms of Service
Effective Date: 1/1/25
Welcome to DebtWave Credit Counseling, Inc. (“DebtWave,” “we,” “us,” or “our”). By accessing or using our website located at https://debtwave.org (the “Site”), you agree to comply with and be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.
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TABLE OF CONTENTS
1. OUR SERVICES
2. INTELLECTUAL PROPERTY RIGHTS
3. USER REPRESENTATIONS
4. USER REGISTRATION
5. PRODUCTS
6. PURCHASES AND PAYMENT
7. SUBSCRIPTIONS
8. REFUNDS POLICY
9. PROHIBITED ACTIVITIES
10. USER GENERATED CONTRIBUTIONS
11. CONTRIBUTION LICENSE
12. GUIDELINES FOR REVIEWS
13. SOCIAL MEDIA
14. THIRD-PARTY WEBSITES AND CONTENT
15. ADVERTISERS
16. SERVICES MANAGEMENT
17. PRIVACY POLICY
18. COPYRIGHT INFRINGEMENTS
19. TERM AND TERMINATION
20. MODIFICATIONS AND INTERRUPTIONS
21. GOVERNING LAW
22. DISPUTE RESOLUTION
23. CORRECTIONS
24. DISCLAIMER
25. LIMITATIONS OF LIABILITY
26. INDEMNIFICATION
27. USER DATA
28. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
29. SMS TEXT MESSAGING
30. CALIFORNIA USERS AND RESIDENTS
31. MISCELLANEOUS
32. CONTACT US
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1. OUR SERVICES DebtWave provides credit counseling, debt management, and financial education services. Use of our services is subject to additional agreements and disclosures provided during the counseling and enrollment process.
2. INTELLECTUAL PROPERTY RIGHTS All content, design, text, graphics, logos, icons, and other materials on the Site are the property of DebtWave or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without prior written permission from DebtWave.
3. USER REPRESENTATIONS By using the Site, you represent and warrant that:
• You have the legal capacity to agree to these Terms.
• You will comply with these Terms and applicable laws.
• You will not use the Site for unauthorized or unlawful purposes.
4. USER REGISTRATION To access certain features of the Site, you may be required to register for an account. You agree to provide accurate, complete, and updated information and to safeguard your account credentials.
5. PRODUCTS Any products offered through the Site are subject to availability and additional terms that will be provided at the point of purchase.
6. PURCHASES AND PAYMENT You agree to provide accurate payment information for any purchases made on the Site. All payments are processed securely, and additional terms may apply depending on the payment method used.
7. SUBSCRIPTIONS If the Site offers subscription-based services, you agree to the terms of the subscription plan you select, including recurring billing where applicable.
8. REFUNDS POLICY Refunds are governed by the refund policy detailed in the terms presented during the purchase process. For questions regarding refunds, please contact [email protected].
9. PROHIBITED ACTIVITIES You agree not to:
• Use the Site for any unauthorized commercial purposes.
• Circumvent security features of the Site.
• Engage in any activity that disrupts the functionality of the Site.
10. USER GENERATED CONTRIBUTIONS The Site may allow you to submit content, including comments or reviews. You retain ownership of your contributions but grant DebtWave a license to use, display, and distribute your contributions as described in Section 11.
11. CONTRIBUTION LICENSE By submitting content, you grant DebtWave a perpetual, irrevocable, non-exclusive, royalty-free license to use, reproduce, modify, and display your content for any purpose.
12. GUIDELINES FOR REVIEWS Reviews submitted must be honest, based on actual experience, and free of offensive language or fraudulent claims. DebtWave reserves the right to moderate or remove reviews.
13. SOCIAL MEDIA By interacting with DebtWave’s social media accounts, you agree to these Terms and the terms of the respective social media platforms.
14. THIRD-PARTY WEBSITES AND CONTENT The Site may include links to third-party websites. DebtWave is not responsible for third-party content, and you access such content at your own risk.
15. ADVERTISERS DebtWave is not responsible for the representations or practices of advertisers on the Site. Interactions with advertisers are solely between you and the advertiser.
16. SERVICES MANAGEMENT We reserve the right to manage the Site in a manner designed to protect our rights and ensure its efficient operation.
17. PRIVACY POLICY Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. [Provide a link to the Privacy Policy here.] 18. COPYRIGHT INFRINGEMENTS If you believe that your copyrighted material has been infringed, please contact us with all relevant details to address your claim.
19. TERM AND TERMINATION These Terms remain in effect until terminated. We reserve the right to terminate your access to the Site without notice for any violation of these Terms.
20. MODIFICATIONS AND INTERRUPTIONS We reserve the right to modify or discontinue the Site at any time without notice. We are not liable for any disruptions or modifications to the Site.
21. GOVERNING LAW These Terms are governed by the laws of the State of California without regard to conflict of law principles.
22. DISPUTE RESOLUTION All disputes arising under these Terms shall be resolved through binding arbitration in San Diego County, California, except where prohibited by law.
23. CORRECTIONS We reserve the right to correct errors or omissions on the Site and to update content as necessary.
24. DISCLAIMER The Site and its content are provided “as is” and “as available” without warranties of any kind.
25. LIMITATIONS OF LIABILITY DebtWave shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site.
26. INDEMNIFICATION You agree to indemnify and hold DebtWave harmless from any claims, damages, or expenses arising out of your use of the Site or violation of these Terms.
27. USER DATA You agree that we may collect and use data related to your use of the Site in accordance with our Privacy Policy.
28. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES By using the Site, you consent to receive communications from us electronically and agree to the use of electronic signatures.
29. SMS TEXT MESSAGING By providing your phone number, you consent to receive SMS communications related to our services. Standard messaging rates may apply.
30. CALIFORNIA USERS AND RESIDENTS If you are a California resident, you may have additional rights under California law. Please refer to our Privacy Policy for more information.
31. MISCELLANEOUS These Terms constitute the entire agreement between you and DebtWave regarding the use of the Site. Any failure to enforce a provision does not constitute a waiver of such provision.
32. CONTACT US If you have any questions or concerns about these Terms, you may contact us at:
DebtWave Credit Counseling, Inc.
500 La Terraza Blvd
Suite 150
Escondido, CA 92025
United States
Phone: (+1) 888-686-4040
Email: [email protected]
Thank you for choosing DebtWave Credit Counseling, Inc. to assist with your financial wellness journey.