DebtSettle.ai — Legal Disclaimer

1. No Legal, Financial, or Tax Advice

DebtSettle.ai ("DebtSettle," "we," "us," or "our") provides a self-directed tracking platform that helps users organize and monitor their own debt-settlement efforts. All content, tools, calculators, templates, emails, chat responses, and other materials (collectively, "Content") are offered strictly for general information and educational purposes. Nothing on this website or in the DebtSettle application constitutes (or is a substitute for) legal, financial, tax, investment, or credit counseling advice.

You should always consult qualified professionals—attorneys, CPAs, financial advisors, or credit counselors—before making decisions that could affect your financial or legal situation.

2. No Attorney–Client or Fiduciary Relationship

Your use of DebtSettle does not create an attorney–client, accountant-client, fiduciary, or other professional relationship between you and DebtSettle or any of its owners, employees, consultants, or vendors.

3. Not a Debt-Settlement or Credit-Repair Company

DebtSettle:

• Does not negotiate with creditors on your behalf;
• Does not receive, hold, or transmit funds for settlement payments;
• Does not provide credit-repair services as defined under federal or state law; and
• Is not a "debt-management service," "debt-adjuster," or "debt-settlement provider" under any state regulatory scheme.

You remain solely responsible for communicating with creditors, complying with applicable laws, and deciding whether, when, and how to settle any debt.

4. Results Not Guaranteed

Debt-settlement outcomes depend on numerous factors—creditor policies, state laws, account status, financial capability, and market conditions—many of which are beyond our control. We make no representations, warranties, or guarantees (express or implied) that:

• A particular creditor will accept any settlement offer;
• You will achieve a specific reduction, time frame, or overall savings;
• Using DebtSettle will improve your credit score or financial condition.

Past performance or testimonials do not predict future results.

5. Accuracy & Completeness of Information

While we strive for accuracy, the Content may contain typographical errors, technical inaccuracies, legislative changes, or outdated information. All Content is provided "AS IS," "AS AVAILABLE," and without warranties of any kind. You rely on it at your own risk.

6. Third-Party Links & Integrations

DebtSettle may link to, or integrate with, third-party websites, APIs, calendar services, storage providers, or other resources ("Third-Party Services"). We do not endorse, control, or assume responsibility for Third-Party Services, and your use of them is governed solely by their terms and privacy policies.

7. Limitation of Liability

To the maximum extent permitted by law, DebtSettle, its affiliates, officers, directors, employees, agents, licensors, and suppliers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages—or for any loss of profits, revenue, data, goodwill, or business opportunities—arising out of or relating to your use of (or inability to use) the Content or Services, even if advised of the possibility of such damages. Your sole remedy is to discontinue use of the Services.

8. User Responsibility & Due Diligence

You agree to:

1. Verify all creditor information, balances, due dates, and settlement terms;
2. Comply with federal, state, and local laws and regulations governing debt practices;
3. Maintain copies of all communications and settlement agreements; and
4. Seek independent professional advice whenever necessary.

9. Regulatory & Consumer-Protection Notices

• California Residents: DebtSettle is not registered as a "Debt Management Provider" or "Prorater" under California Financial Code § 12000 et seq.
• Colorado Residents: Under Colorado law you may contact the Colorado Attorney General's office or the Federal Trade Commission for information about debt management.
• FTC Disclosure: The Federal Trade Commission offers free information on debt-relief options at www.consumer.ftc.gov.

10. Forward-Looking Statements

Any projections, estimates, or forward-looking statements are inherently uncertain and are provided solely as illustrative examples. Actual results may differ materially.

11. Acceptance of This Disclaimer

By accessing or using DebtSettle.ai or any related Services, you acknowledge that you have read, understood, and agree to be bound by this Legal Disclaimer in conjunction with our Terms & Conditions and Privacy Policy.