Terms of Use

Effective Date: 2026

Welcome to this page (the "Site"), operated by Debt Defense Guide ("we," "us," or "our"), based in Minnesota, USA. By accessing or using the Site, you agree to these Terms of Use ("Terms"). If you do not agree, please do not use the Site.

1. Use of the Site

The Site is provided for general informational purposes related to debt management and debt defense topics, and to direct visitors to an external website. You may use the Site only for lawful purposes.

2. Not Legal, Financial, or Credit Counseling Advice

The content on this Site is provided for general educational purposes only and does not constitute legal advice, financial advice, credit counseling, or debt settlement services. Nothing on this Site creates an attorney-client relationship or any other professional relationship. Your specific situation may differ, and you should consult a licensed attorney, financial advisor, or accredited credit counselor before making decisions about your debt.

3. Eligibility

By using this Site, you represent that you are at least 18 years old and legally able to enter into these Terms.

4. Links to Third-Party Websites

This Site includes a link to an external website that we do not own or control. We are not responsible for the content, accuracy, products, services, or privacy practices of that external website. Visiting it is at your own discretion, and its own terms and privacy policy will apply to your use of it.

5. No Guarantee of Results

Any information on the Site is for general illustration only. We make no guarantee regarding outcomes, savings, or results from any debt-related strategy, service, or third-party site referenced on or linked from the Site.

6. Intellectual Property

All content on the Site — including text, graphics, logos, and design — is owned by us or our licensors and is protected by copyright and other intellectual property laws. You may not copy, reproduce, or distribute Site content without our prior written permission.

7. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose.

8. Limitation of Liability

To the fullest extent permitted by law, Debt Defense Guide and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or any linked external website, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, or damages, including reasonable attorneys' fees, arising out of your use of the Site or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of Minnesota and the United States, without regard to conflict-of-law principles.

11. Changes to These Terms

We may revise these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

12. Contact Us

Questions about these Terms can be sent to [email protected].