Terms of Service

If you do not agree to these Terms, do not use the Service.

1. Who We Are and What We Do

CuraDebt currently uses this Service primarily as a referral and matching platform for consumers seeking debt relief, tax resolution, and certain business or merchant cash advance (MCA) debt assistance. When you use the Service, we generally collect information, apply basic matching criteria, and facilitate a referral to an independent third-party provider or law firm (each, a “Network Partner” or “Provider”).

CuraDebt may also continue to service certain legacy client relationships established prior to our transition to a matching model. Where you are an existing legacy client, the separate written agreement governing that relationship continues to control, and in the event of any conflict between that agreement and these Terms, that agreement governs for that relationship.

Except for legacy relationships described above, our role for new consumers is limited to collecting information, applying matching criteria, and facilitating a referral. We do not perform the matched Provider’s services and do not control a Provider’s services after a referral is made. Services are not available in all states.

2. Eligibility and Geographic Scope

The Service is intended only for individuals who are at least 18 years of age and who are accessing the Service from a physical location within the United States. By using the Service, you represent and warrant that you are at least 18 years old and are accessing the Service from within the United States. The Service is not directed to children, and we do not knowingly collect information from anyone under 18.

3. Definitions

• “You” or “your” means the person using the Service, and any person on whose behalf you are authorized to act in using the Service.
• “Network Partner” or “Provider” means an independent third-party debt relief company, tax resolution firm, law firm, lender, servicer, or other entity to which you may be matched or referred through the Service.
• “Form” means any request, inquiry, or submission you make through the Service to be matched with CuraDebt’s services and/or a Provider.
• “Content” means all text, graphics, images, logos, video, audio, software, code, and the selection, arrangement, and “look and feel” of the Service.

4. The Matching Service and Your Acknowledgments

When you submit a Form, you are not submitting an application for credit, debt relief, tax, or legal services. You are submitting an inquiry to be matched with CuraDebt and/or one or more Providers who may be able to assist you, subject to debt type, state availability, Provider participation, and applicable law.

You acknowledge and agree that:

• CuraDebt is not a lender, creditor, debt collector, law firm, or tax preparer, and except where expressly provided by applicable state law, CuraDebt is not acting as your agent or as the agent of any Provider.
• A matched Provider operates independently from CuraDebt. The Provider’s own terms, engagement letter or client agreement, and privacy policy govern your relationship with that Provider.
• CuraDebt does not direct or control a Provider’s professional judgment and does not guarantee or warrant any Provider’s services, results, conduct, fees, or data practices.
• Acceptance into any particular program, and the specific terms offered, are determined solely by the individual Provider. You may not be matched with any specific Provider, and matching does not guarantee approval, enrollment, or any particular outcome.
• Your decision whether to engage any matched Provider is solely your own, and you will rely on your own judgment and independent research in deciding which Provider, product, or service suits your needs.
• A Provider may retain the information in your Form and any information provided in processing it, whether or not you enroll, and may be required by law to share certain information with CuraDebt.

To the fullest extent permitted by law, any claims, disputes, damages, or losses arising from your engagement with a matched Provider are solely between you and that Provider, and CuraDebt shall not be liable for any act or omission of any Provider.

5. Consent to Be Contacted (Calls, Texts, and Email)

When you submit a Form and affirmatively agree at the point of submission, you provide your express written consent that CuraDebt and the Network Partners with whom you are matched may contact you at the telephone number and email address you provide — including for marketing purposes — using automatic telephone dialing systems, artificial or prerecorded voice messages, AI-powered contact systems, SMS/text messages, and email. You agree to receive these communications even if your number appears on any federal, state, local, internal, or corporate Do-Not-Call list.

You may opt out at any time: reply STOP to any text message (reply HELP for assistance); click “unsubscribe” in any email; or request removal during any call. These consents remain valid until you revoke them. You agree to contact a Provider directly to stop communications from that Provider, and you agree that CuraDebt is not responsible for a Provider’s failure to honor your or our opt-out instructions.

6. Credit Information and FCRA Authorization

When you submit a Form and affirmatively agree at the point of submission, you provide express written instructions under the federal Fair Credit Reporting Act (FCRA) authorizing CuraDebt and the Network Partners with whom you are matched to obtain a soft inquiry from your consumer credit report and credit profile for the purpose of verifying your identity, assessing eligibility, and matching you with a Provider, product, or service.

A soft inquiry does not affect your credit score. CuraDebt does not request your Social Security Number and does not perform “hard” credit inquiries; however, certain lenders or Providers in the network may perform a hard inquiry to evaluate you for a firm offer of credit. This credit authorization is separate from, and independent of, your consent to be contacted under Section 5.

7. How We Are Compensated

CuraDebt provides referral and matching services to consumers at no separate charge. CuraDebt may earn revenue through referral, marketing, lead-generation, or other lawful compensation arrangements with some Network Partners, while other referrals may generate no compensation at all. Any compensation arrangement is between CuraDebt and the Provider, not the consumer. Where compensation for legal referrals or other referrals is prohibited or restricted by law, CuraDebt will not accept compensation unless it believes the arrangement complies with applicable requirements. Your use of the Service constitutes your agreement with this compensation arrangement.

8. Acceptable Use

You agree to use the Service only for lawful purposes and to provide information that is true, accurate, current, and complete. You are solely responsible for all activity conducted through the Service using your information. You agree not to:

• Violate any applicable local, state, federal, or international law or regulation, including the FCRA, the Fair Debt Collection Practices Act, the TCPA, or consumer-protection laws;
• Provide false, inaccurate, or misleading information, or impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Interfere with, disrupt, or place undue load on the Service, its servers, or connected networks, or attempt to gain unauthorized access to any portion of the Service;
• Transmit any viruses, malware, or other harmful code, or engage in scraping, harvesting, or automated data collection without our written permission;
• Reproduce, duplicate, copy, sell, resell, frame, mirror, or otherwise exploit any portion of the Service or Content for any commercial purpose without our prior written consent;
• Use the Service to transmit spam, chain letters, pyramid schemes, or unsolicited commercial messages; or
• Engage in any activity that would aid terrorism or endanger U.S. military personnel, or that is otherwise unlawful or objectionable.

We have no obligation to monitor the Service, but we reserve the right to review, remove, or refuse any content and to terminate or suspend your access to the Service at any time, without notice, for any reason, including suspected violation of this Agreement.

9. Account Information and Security

If the Service provides you with account credentials, you are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You agree not to share your credentials or allow anyone else to access the Service as you, to log out at the end of each session, and to notify us immediately of any unauthorized use or security breach. CuraDebt is not liable for any loss arising from unauthorized use of your account, and you may be liable for losses incurred by CuraDebt or any third party resulting from your failure to safeguard your credentials.

10. Intellectual Property

All Content on the Service is owned by or licensed to CuraDebt and is protected by copyright, trademark, and other intellectual property laws. Except as expressly permitted, no part of the Service or Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, framed, or mirrored without CuraDebt’s prior written permission. Nothing in this Agreement grants you any license or right to use any CuraDebt name, logo, trademark, or other Content.

11. User-Submitted Content

If you submit reviews, comments, feedback, suggestions, or other content to the Service or to any CuraDebt-associated social media channel, you represent that the content is accurate, that you own or have the rights to it, and that it does not violate this Agreement or any law or third-party right. You grant CuraDebt a non-exclusive, royalty-free, transferable, worldwide license to use, copy, modify, adapt, publish, translate, display, reproduce, and distribute that content in connection with operating and promoting the Service, and to publish your name in connection with it. We may use, edit, remove, or decline to post any submitted content at our discretion. You, not CuraDebt, are responsible for the content you submit.

12. Third-Party Websites and Links

The Service may contain links to websites operated by third parties, including Network Partners and service providers. These links are provided for convenience only. We do not operate or control those websites, do not endorse them, and are not responsible for their content, products, services, or privacy and data practices. Your use of any third-party website is subject to that party’s own terms and policies and is at your own risk.

13. Disclaimers and Limitation of Liability

THE SERVICE, CONTENT, AND ANY MATCHING OR REFERRAL ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CURADEBT DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CURADEBT DOES NOT WARRANT THAT THE SERVICE WILL BE ACCURATE, UNINTERRUPTED, ERROR-FREE, OR THAT IT WILL PRODUCE ANY PARTICULAR RESULT. THE INCLUSION OR REFERRAL OF ANY PROVIDER DOES NOT CONSTITUTE AN ENDORSEMENT OR WARRANTY OF THAT PROVIDER.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CURADEBT AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, STATUTORY, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR EMOTIONAL DISTRESS, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY REFERRAL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CURADEBT’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THIS AGREEMENT WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND TO THE FULLEST EXTENT PERMITTED BY LAW.

14. Dispute Resolution, Binding Arbitration, and Class-Action Waiver

Agreement to Arbitrate. You and CuraDebt agree that any dispute, claim, or controversy arising out of or relating to the Service, this Agreement, our Privacy Policy, or any communications between you and CuraDebt (including the validity, scope, or enforceability of this arbitration provision) (a “Dispute”) shall be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, rather than in court, except as provided below.

Class-Action and Jury Waiver. Arbitration shall be conducted only on an individual basis. You and CuraDebt agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding, and not in a private attorney general capacity. The arbitrator may not consolidate more than one person’s claims or preside over any form of class or representative proceeding. You and CuraDebt waive any right to a jury trial.

Procedure and Location. Arbitration shall be governed by the Federal Arbitration Act. Any in-person hearing shall take place in Broward County, Florida, unless you and CuraDebt agree otherwise or the AAA rules require a different location for your convenience. The arbitrator shall apply applicable law and may award any relief available in an individual action in court, subject to the limitations in this Agreement.

Your Right to Opt Out of Arbitration. You may opt out of this arbitration provision (including the class-action and jury waiver) by sending written notice within thirty (30) days after you first accept these Terms. Your notice must include your name, the email and phone number you used, and a clear statement that you wish to opt out of arbitration, and must be sent to CuraDebt Systems, LLC at the address in Contact Us or by email to [email protected] with the subject line “Arbitration Opt-Out.” If you opt out within this window, neither you nor CuraDebt will be bound by the arbitration provision as to claims between you and CuraDebt. Opting out has no effect on any other part of this Agreement and will not affect any other agreement you may have with CuraDebt or with a matched Provider.

Exceptions. Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information. Nothing in this Section prevents you from contacting a government agency or exercising any non-waivable statutory right.

Time Limit. Any Dispute must be filed within one (1) year after the date the claim first accrued or, through the exercise of reasonable diligence, should have been discovered; otherwise the claim is permanently barred, to the extent permitted by law.

Severability of this Section. If the class-action waiver above is found unenforceable as to a particular claim, then that claim (and only that claim) shall be severed and may proceed in court, while all other claims remain in arbitration. If any other portion of this Section is found unenforceable, the remainder shall be enforced to the fullest extent permitted by law.

15. Governing Law and Venue

This Agreement is governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Subject to the arbitration provision in Section 14, any matter that proceeds in court (including any proceeding to confirm, enforce, or vacate an arbitration award) shall be brought exclusively in the state or federal courts located in Broward County, Florida, and you and CuraDebt consent to the personal jurisdiction of, and venue in, those courts and waive any objection to them.

16. Changes to These Terms

We may modify this Agreement or the Service at any time in our sole discretion. Changes become effective when posted, and we will update the Last Updated date above. Your continued use of the Service after changes are posted constitutes your acceptance of those changes. You are responsible for reviewing this Agreement periodically.

17. General Provisions

Entire Agreement. This Agreement, together with the Privacy Policy and any additional terms presented for specific services, constitutes the entire agreement between you and CuraDebt regarding the Service and supersedes all prior or contemporaneous communications, except that any separate written agreement governing a legacy client relationship controls for that relationship.

Severability. If any provision of this Agreement is found invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions shall remain in full force and effect.

No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign this Agreement without our written consent. We may assign it in connection with a merger, acquisition, or sale of assets.

Survival. Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, arbitration, governing law, and these general provisions survive termination of this Agreement.

18. Indemnification

You agree to indemnify, defend, and hold harmless CuraDebt and its officers, members, employees, agents, affiliates, successors, and assigns from and against any claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Service, your violation of this Agreement, your violation of any law, or your violation of any third-party right. CuraDebt reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate in that defense. You may not settle any such matter without CuraDebt’s prior written consent.

19. Important Disclosures

Debt settlement services are not appropriate for everyone and are not offered directly by CuraDebt to new consumers under the matching model. Failure to pay debts in a timely manner may result in increased balances, late fees, and additional interest, may harm your credit rating, and may lead creditors or collectors to pursue collection activity, including litigation. Not all creditors will agree to reduce balances. Programs offered by Network Partners vary, results vary, and no specific outcome, amount, percentage, or timeframe is guaranteed. Before enrolling with any Provider, review and understand all of that Provider’s program materials and agreements. It is advisable to consult a tax professional regarding any tax implications of debt resolved for less than the full balance.

All interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. CuraDebt Systems, LLC maintains a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. In CT, DE, GA, HI, ID, KY, LA, ME, MT, NV, NH, NJ, ND, OH, PR, RI, SC, VT, WI, and WY, CuraDebt does not provide debt settlement or adjustment services and instead may forward the consumer to a law firm that may be able to assist in providing similar services as part of its practice.

20. Contact Us

The primary way to reach us is by email. You may also call our toll-free number as a secondary method; if no one is available, please leave a voicemail with (1) your full name, (2) a call-back number and the email address you would like us to respond to, and (3) a brief description of your request, and we will follow up by email.

Back to top ↑