Terms of Service

  1. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, GUIDELINES AND DISCLOSURES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEBSITE.
  1. These terms and conditions of use (“Site Terms“) apply exclusively to your access to, and use of, the Debthunch Web site owned and operated by InboundProspect, Inc. dba Debthunch and located at www.debthunch.com (the “Site“), and the information and other services provided therein (the “Services“). These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Debthunch or its subsidiaries or affiliates for products, services or otherwise. If you are using the Site on behalf of any entity, you represent and warrant that you are authorized to accept these Site Terms on such entity’s behalf, and that such entity agrees to indemnify you and Debthunch for violations of these Site Terms.
  1. Debthunch reserves the right to change or modify any of the terms and conditions contained in these Site Terms or any policy or guideline of the Site, at any time and in its sole discretion. Debthunch will provide notice of these changes by posting the revised terms on the Site and indicating on the Site Terms the date it was last updated. Any changes or modification will be effective immediately upon posting of the revisions on the Site. Your continued use of this Site following the posting of its changes or modifications will constitute your acceptance of such changes or modifications. If you do not agree to the amended terms, you must stop using the Site.
  1. 1. Privacy Policy
  1. Please refer to our Privacy Policy for information on how we collect, use and disclose personally identifiable information from Site users.
  1. 2. Soft Inquiry Authorization
  1. By providing your Date of Birth or Social Security Number, you are providing express written consent under the Fair Credit Reporting Act for Debthunch and its partners to verify your information and perform a soft inquiry of your credit profile and understand that it will not affect your credit score. Debthunch may provide your Date of Birth and Social Security Number, as verified by the soft inquiry of credit as well as other information provided by you to its partners. By checking the box to confirm your agreement you understand and agree that you are authorizing Debthunch and its partners to obtain consumer reports and related information about you from one or more consumer reporting agencies. You also authorize Debthunch and its partners to verify information in your application, and you agree that Debthunch and its parnters may contact third parties to verify any such information. You direct Debthunch and its partners to use your consumer reports to authenticate your identity, to make credit decisions, and for other related purposes. You also authorize Debthunch and its partners to use obtained consumer reports to determine your eligibility for any other products that they may offer or that you may apply for within 30 days after your initial application date and initial consumer report inquiry.
  1. 3. Consent to Telephone Communication
  1. You give Debthunch and its partners express written consent, to call (including prerecorded messages) or text the telephone number provided with your Loan Inquiry using an automatic telephone dialing or messaging system. You acknowledge that receipt of telephone calls and text messages to a mobile telephone number may be subject to service provider charges. If you do not want to receive telephone calls or text messages to this telephone number, then you can unsubscribe by sending an email toinfo@debthunch.com with the subject line “STOP CALLS” or by calling a customer service representative at 1 (800) 299-3511.
  1. 4. Debthunch Partners
  1. Pursuant to the contracts between Debthunch and its partners, Debthunch may also receive information from its partners regarding the status of your application. Information specific to its partner’s use of your information will be found in their specific Privacy Policy. You are providing express written consent for Debthunch and its partners to share this private personally identifiable information for these purposes, litigation, regulatory request, law enforcement requests, internal analytics and/or for marketing purposes.
  1. Terms Applicable to Debthunch Services
    Debthunch is not an agent of either you or any Debthunch partner. You should rely on your own judgment in deciding which available product or service offering best suits your needs and financial means. Debthunch partners are solely responsible for their services to you, and you agree that Debthunch shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Debthunch partners may keep your submission information and any other information provided by Debthunch or received by them in the processing of your request, whether or not you are qualified for services with them or if you purchase services from them. You agree to notify any particular Debthunch partner directly if you no longer want to receive communications from them.
  1. The websites and the services provided by Debthunch are available in connection with debt consolidation and/or lending services unless otherwise specified. These services may only be made available to residents of states where Debthunch partners are licensed or authorized to offer such services. Debthunch partners are not attempting to offer services outside of their authorized states or country by participating in and offering their products on the websites. Debthunch and its partners expressly reserve the right to discontinue, suspend or terminate the offering of any services in any specific state through the websites at any time, without prior notice.
  1. The data and other information you may provide Debthunch is not, and is not treated as, an application for services or a request to be pre-approved, pre-qualified or any similar concept. Debthunch does not guarantee acceptance into any particular offering or specific terms or conditions with any Debthunch partner; approval standards are established and maintained solely by individual Debthunch partners. Likewise, Debthunch does not guarantee that the terms or rates or fees offered and made available by its partners are the best terms or lowest rates or fees available in the market. Any service offerings are conditional and may be subject to market conditions, approval and qualification. The rates and fees actually provided by Debthunch partners may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location and income/asset consideration including but not limited to debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a product or services commitment or agreement. Debthunch partners may not offer all products as well as not offer products in all states. To help the government fight identity theft, the funding of terrorism and money laundering activities, Debthunch and/or its partners may obtain, verify and record information that identifies each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth and other important information that will allow them to properly identify you. During the formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.
  1. Debthunch is paid a fee by its partners for the goods, facilities and services provided. Your use of the Websites and/or Debthunch’s services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any costs associated with your services. Debthunch does not charge you a fee for its service in matching you with its partners.
  1. By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a product or service through Debthunch to each of its partners to whom your submission is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from Debthunch and its partners. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that Debthunch and its partners may access your credit file even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures. Not all Debthunch partners will receive and/or utilize your Social Security Number to access your credit report and/or credit score. From time-to-time Debthunch is examined by State and Federal Regulators and as such is required to maintain your Personally Identifiable Information to adhere to those requirements. Your information may also be obtained from Debthunch and its partners after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Debthunch and its participating Debthunch and its partners to share such information as required.
  1. By submitting the services request containing your electronic signature, you are extending an express invitation to Debthunch and its partners to contact you by telephone at the numbers (whether landline or mobile) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Debthunch and its partners or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you consent, acknowledge and agree that Debthunch and its partners or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a mobile phone number or other service for which the called person(s) could be charged for such call. By saving your information with Debthunch or by doing a submission, you give Debthunch permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete services requests, the delivery of Debthunch partner matches, deadlines, quality of services or other matters in connection with your request for services. For any service, you represent that all of the information you have provided in your submission is true and complete. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Debthunch at info@debthunch.com.
  1. When you “submit” information, or otherwise register for services through the Debthunch website or otherwise, you understand and agree that you have established a business relationship between you and Debthunch which is the owner of this site. Accordingly, Debthunch may send your information to its affiliates as provided in the Privacy Policy and you agree that Debthunch and/or its Companies may contact you using information you provided with information and offers of services available through Debthunch and the websites. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list. If at any time you do not wish to continue to receive communications from Debthunch or its Companies’ or its affiliates’ communications you agree to notify Debthunch by emailing info@debthunch.com directly if you no longer want to receive other forms of communications from us.
  1. 5. Copyright and Limited License
  1. Unless otherwise indicated, the Site and all content and other materials on the Site, including, without limitation, Debthunch logo, and all designs, text, graphics, pictures, reviews, information, data, software, sound files, other files and the selection and arrangement thereof (collectively, the “Site Materials“) are the proprietary property of Debthunch or its licensors or users and are protected by U.S. and international copyright laws. You are granted a limited, non-sublicensable license to access and use the Site and electronically copy, (except where prohibited without a license) and print to hard copy portions of the Site Materials for your informational, non-commercial and personal use only. Such license is subject to these Site Terms and does not include or authorize: (a) any resale or commercial use of the Site or the Site Materials therein; (b) the collection and use of any listings, pictures, profiles, ratings or descriptions; (c) the distribution, public performance or public display of any Site Materials, (d) modifying or otherwise making any derivative uses of the Site and the Site Materials, or any portion thereof; (e) use of any data mining, robots or similar data gathering or extraction methods; (f) downloading (other than the page caching) of any portion of the Site, the Site Materials or any information contained therein, except as expressly permitted on the Site; or (g) any use of the Site or the Site Materials other than for its intended purpose. Any use of the Site or the Site Materials other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Site Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable at any time.
  1. 6. Disclaimers and Acknowledgements Regarding Use of Site Information
  1. THE SITE, THE SITE MATERIALS (INCLUDING ANY DEBTHUNCH PARTNER INFORMATION) AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO THE INFORMATION, CONTENT OR MATERIALS IN THE SITE. WE DO NOT REPRESENT OR WARRANT THAT SITE MATERIALS, INCLUDING THE INFORMATION AVAILABLE IN OR ON THE SITE, OR THE SERVICES ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  1. While we endeavor to provide and to allow others to provide useful information regarding Debthunch partners and related services, you acknowledge that such information is reliant upon third party data and contributions, that there are certain inherent limitations to the accuracy or currency of such information, that information may be incomplete or may contain inaccuracies (including without limitation any interpretations and reviews of such information and Site Materials), and that information on the Site may be outdated or contain errors, omissions or misinterpretations of information. You further acknowledge that a Debthunch rating and other data, summaries or descriptions on the Site are based on the data obtained by or submitted to us, which may be incomplete or inaccurate, and rely on automated interpretations of the information gathered by or submitted to Debthunch. A Debthunch rating reflects our assessment of a given Debthunch partner based upon the information obtained by or submitted to us; someone else’s assessment of the same entity may be different or based upon different information. Neither a Debthunch rating nor any of the other information contained on the Site are an endorsement of any particular Debthunch partner or are a guarantee of quality, competency, qualifications, experience, resources, character, honesty, integrity, responsiveness or other characteristics, nor are they a predictor of the outcome of any matter in which such entity is involved. You agree to be solely responsible for your use of the Site and the Site Materials and for determining the suitability of, and the results obtained from, any Debthunch partner you contact.
  1. Additional information about Site Materials, the sources of information displayed on the Site, and other important matters is contained within the Site, and you acknowledge and agree that your use of the Site, or of any information or features in or on the Site, is informed by and subject not only to these Site Terms but also by the information and explanation available on these pages.
  1. WE ARE NOT RESPONSIBLE FOR ERRORS OR OMISSIONS IN ANY INFORMATION OR MATERIALS CONTAINED ON THE SITE. WHILE WE ATTEMPT TO MAKE YOUR ACCESS AND USE OF THE SITE SAFE, WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT THE SITE OR ITS SERVER(S), OR ANY CONTENT OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND DISINFECT VIRUSES, SPYWARE, MALWARE, AND OTHER HARMFUL OR OTHERWISE UNDESIRABLE COMPONENTS FROM ANY DOWNLOAD.
  1. We reserve the right to change any and all content contained in the Site and any services offered through the Site at any time without notice. Reference to any service providers or organizations, governmental entities, educational institutions, associations, organizations, publications, licenses, ratings, evaluations, endorsements, reviews, products, services, processes or other information, by name, trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by Debthunch.
  1. 7. Limitation of Liability
  1. IN NO EVENT SHALL DEBTHUNCH OR ANY OF ITS CORPORATE AFFILIATES, INDEPENDENT CONTRACTORS, SERVICE PROVIDERS OR CONSULTANTS, OR ANY OF THEIR RESPECTIVE DIRECTORS, EMPLOYEES AND AGENTS, BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY RELATED TO OR CONNECTED WITH ANY USE OF THE SITE, THE SERVICES OFFERED THEREON, THE CONTENT OR THE MATERIALS CONTAINED IN OR ACCESSED THROUGH THE SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES, LOSS OR INJURY CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM DEBTHUNCH OR THE SITE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO OUR RECORDS, PROGRAMS OR SERVICES. OUR AGGREGATE LIABILITY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING IN ANY MANNER TO THE USE OF THE SITE OR THE SITE MATERIALS, SHALL NOT EXCEED ANY COMPENSATION YOU PAY TO US FOR ACCESS TO OR USE OF THE SITE, WHICH AMOUNT MAY BE ZERO.
  1. 8. Third Party Content; Third Party Services
  1. Debthunch or Site users may provide links to Web pages and content of third parties as a service to those interested in such links and content, and we may post third party content or allow users to post their content or third party content to the Site (such content is collectively referred to as “Third Party Content“). We do not monitor or have any control over any Third Party Content or third party Web sites. We do not endorse or adopt any Third Party Content or third party Website and can make no guarantee as to its accuracy or completeness. We do not represent or warrant the accuracy of any information contained therein and undertake no responsibility to update or review any Third Party Content or third party Websites. Users use these links, Third Party Content and third party Websites at their own risk.
  1. Under no circumstance will Debthunch be liable in any way for services or products provided by third parties, including Debthunch partners, Third-Party Vendors, or for any loss or damage of any kind incurred as a result of the use of, or reliance upon, such products or services.
  1. 9. Advertisements and Promotions
  1. We may run advertisements and promotions from third parties on the Site. Your business dealings or correspondence with, or participation in promotions of, advertisers other than Debthunch, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.
  1. 10. Submissions
  1. You acknowledge and agree that any materials, including but not limited to questions, comments, reviews, suggestions, ideas, feedback, plans, notes, original or creative materials or other information, provided by you in the form of email or other submissions to us, or any postings on the Site, are non-confidential and shall become our sole property. Debthunch shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these materials for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
  1. 11. Indemnification
  1. You agree to defend, indemnify and hold harmless Debthunch, its corporate affiliates, independent contractors, service providers and consultants, and each of their respective directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to any data or materials you post, store or otherwise transmit on or through the Site (“User Content”) or your use of or inability to use the Site or the services offered thereon, including without limitation any actual or threatened suit, demand or claim arising out of or relating to User Content, your conduct, your violation of these Site Terms or your violation of the rights of any third party.
  1. Arbitration Agreement and Class Action Waiver. You agree to arbitrate all disputes and claims that arise out of or relate to your use of the this website and any services we may provide to you. Therefore, you agree that, by using the Service, YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION BASED ON OR INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR PERSONS SIMILARLY SITUATED. This agreement to arbitrate includes, without limitation, claims arising out of or relating to the Service or your use thereof, regardless of when they may arise. Any arbitration proceeding brought under this section shall be conducted by an arbitration service provider chosen by Debthunch applying California law. The arbitration may be conducted telephonically, with the costs to be split evenly between the parties.
  1. Limitation of ActionsAny claim or cause of action arising out of your use of the Site or our services must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Debthunch to enforce or exercise any provision of these Terms of Service or any related right shall not constitute a waiver of that right or provision.
  1. Modification and Notice of Changes: Debthunch reserves the right to modify these Terms of Service at any time. If we elect to modify these Terms, we will post a notice informing users of the change on the Site. You are responsible for reviewing the modified Terms of Service, and accessing this Site after any changes to these Terms have been posted thereon will constitute your acceptance of all such changes. You have the right to accept or reject any changes in these Terms. If you reject any changes in these Terms, please discontinue use of the Site immediately. Unless specifically stated otherwise, any new features, products or services added to the Site shall be subject to these Terms. Some new features may require your acceptance of new or additional terms before use.
  1. Entire Agreement.This Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements between us.
  1. 12. Applicable Law and Venue
  • These Site Terms and your use of the Site shall be governed by and construed in accordance with the laws of Orange County, California applicable to agreements made and to be entirely performed within Orange County, California (even if your use is outside of California), without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to the Site or these Site Terms shall be filed only in the state and federal courts located in Orange County, California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts.
  1. 13. Termination
  1. Notwithstanding any of these Site Terms, we reserve the right, without notice and in our sole discretion, to terminate your license to use the Site, and to block or prevent your access to and use of the Site. We reserve the right to refuse service to anyone for any reason at any time.
  1. 14. Severability
  1. If any provision of these Site Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Site Terms and shall not affect the validity and enforceability of any remaining provisions.
  1. 15. Questions & Contact Information
  1. All questions or comments about the Site or its contents should be directed to us by mail, phone or email.
  1. 16. Corporate Information
  1. Date of Last Revision: July 4, 2019