Terms of Service

Last updated: April 2026

By accessing this site, downloading the free tools, or purchasing the Debt Defense Kit, you agree to these terms. If you do not agree, do not use the site.

1. License

Purchase of the Debt Defense Kit grants you a non-exclusive, non-transferable license to use the included templates and materials for your own personal, non-commercial use. You may not resell, redistribute, sublicense, or repackage the Materials.

2. Educational use only

All Materials are educational. Nothing on this site constitutes legal advice. See the Disclaimer for the full statement.

3. Refunds

See the Refund Policy.

4. No warranty

The Materials are provided “as is” without warranty of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, or non-infringement. To the maximum extent permitted by applicable law, the publisher disclaims all such warranties.

5. Limitation of liability

To the maximum extent permitted by applicable law, in no event will the publisher be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, arising out of or in connection with your use of the site or the Materials.

6. Changes to these terms

We may update these terms from time to time. The current version is always available at this URL. Continued use of the site constitutes acceptance of the updated terms.

7. Governing law

These terms are governed by the laws of the state in which the publisher is domiciled, without regard to conflict of law principles.

8. Contact

Questions about these terms? Contact us.