Terms of Service

The products and services made available through the websites cannot be bought by those under the age of eighteen or by those who are not lawful residents of the United States, regardless of their status as visitors. By clicking any "submit" or other button, or by accessing, browsing, or using the websites in any other way, you represent and warrant to us that you are at least eighteen years old and a lawful resident of the United States.

Certain products and services—including those provided directly or indirectly by third parties—that are purchased through the websites may be subject to additional terms and conditions. To the extent that they do not conflict with these Terms of Service, these additional terms and conditions are hereby incorporated herein by reference. Should there be a disagreement between these Terms of Service and any other document incorporated herein by reference, these Terms of Service will take precedence.

CDS has committed to protecting the privacy of people who use the products and services made accessible on our websites as well as those who visit them. The CDS Privacy Policy is included here for reference.

Some of the websites function as an online marketplace where consumers may search for debt relief programs, compare different consumer and house loans, and look up other products and services. If you submit a request for a product or service, or for more information about a product or service offered through one of the websites, you understand and agree that CDS may need to share some of your information in order to connect you with specific suppliers of the goods and/or services you request.

By providing us with your contact details, you specifically consent to us contacting you by phone, email, or postal mail, even if you have opted out of being placed on the Federal Trade Commission's national do not call list, any state's equivalent do not call list, or the do not call list of any specific organization.

CDS has the right to update these Terms of Service at any time and to add, edit, delete, or alter any portion of them. For modifications, please check these Terms of Service frequently. You are considered to have accepted all uploaded adjustments if you use one of the websites after they have been made. The updated Terms of Service will be effective immediately, without further notice, unless otherwise noted.

Subject to your compliance with these Terms of Service, CDS now grants you a personal, limited, non-exclusive, non-transferable, revocable license to use the websites for information access and to contact the suppliers of the goods and services included within. All rights not specifically granted in this agreement are expressly reserved by CDS, including the right to use any legal means it deems necessary or appropriate to prevent unauthorized use of the websites.

By accessing the websites, you hereby grant CDS permission to transfer, display, reproduce, distribute, modify, and use your personal and other information in any way you see fit, subject to the restrictions outlined herein (including CDS Privacy Policy), without restriction or revocation. This permission is perpetual, irrevocable, transferable, assignable, and sublicenseable (through multiple tiers).

By using these websites, you waive the following rights:

Use the websites for any purpose apart from browsing the content and getting in touch with the companies that are advertising the products and services; upload, send, or help disseminate any information or content that violates any laws, is harmful, abusive, offensive to people of color, vulgar, sexually explicit, defamatory, violates someone's right to privacy or publicity, or that a reasonable person would find objectionable; try to disrupt, compromise, or damage the websites in any way. utilize a robot, spider, scraper, or other similar program to gain access to the websites; pose as someone else or falsely claim to be associated with a person or organization; perpetrate fraud; fail to reveal your true identity or attempt to do so; or submit, upload, post, email, transmit, or otherwise make available any data or material that you are not authorized to share with the public.

The websites are owned and run by CDS. The websites' content is safeguarded by copyright, trade dress, patent, trade mark, and applicable international agreements, as well as by all relevant intellectual property and proprietary rights and laws in the United States. All visual interfaces, images, designs, data, software, computer code (including source and object code), and other components of the websites are covered by this protection. Unless otherwise indicated on the websites, all content on them is the property of CDS and/or its third-party licensors. Any unauthorized use of this content, including but not limited to selling, licensing, distributing, copying, altering, publicly displaying, transmitting, publishing, editing, adapting, creating derivative works from it, or any other unauthorized use, is prohibited without CDS express permission.

The websites may have allusions to or connections to other websites that belong to or are operated by unaffiliated third parties with whom CDS may have business dealings. Because CDS has no control over the availability, content, advertising, or any goods or services provided by such third parties, CDS is not responsible for them. You and these third parties are the only parties to any correspondence or business dealings you may have. These websites are completely accessible and used at your own risk.

Any correspondence or business transactions you have with any third parties, such as debt settlement companies, credit counseling services, mortgage brokers, lenders, insurance agents, or any other supplier of products or services, are private and confidential and exclusively occur between you and the third party. CDS disclaims all responsibility for any losses or damages incurred as a result of these contacts, as well as for any terms, conditions, warranties, or statements related thereto.

By following the instructions on the websites, you acknowledge that CDS is not involved in any negotiations you might have with third parties or agreements you might enter into with them, nor does it suggest, support, warrant, or ensure the quality of any goods or services that third parties may offer you. CDS does not charge anyone to view the webpages.

CDS has the right to end your use of the websites and any session at any moment, for any reason, without prior notice or consequence. Furthermore, CDS retains the right, at its sole discretion, to discontinue providing access to one or more websites at any time. Whether CDS terminates your access to the websites with or without notice, you and/or any third party will not be entitled to compensation. Reports of suspected fraud, abuse, or illegal activity should be sent to the appropriate law enforcement body.

Your sole and exclusive option is to cease using the websites and to terminate your access to them if you are dissatisfied with these terms of service, the websites, or any CDS policy or practice pertaining to the operation of any website.

You agree to defend, indemnify, and hold harmless CDS and its contractors, employees, agents, and third-party suppliers and business partners from any claims, losses, damages, and liabilities, including legal fees and expenses, in connection with your use or misuse of the websites, any violation of these Terms of Service, and any breach by you of the representations, warranties, and covenants made by you herein. You consent to assist CDS in defending against any such allegations. CDS reserves the right to take exclusive defense and command of any case for which you are required to pay us compensation. CDS shall use reasonable efforts to notify you of any such claim, action, or proceeding as soon as it becomes known.

To the fullest extent permitted by law, CDS, ITS THIRD PARTY SUPPLIERS, AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ORAL OR WRITTEN ADVICE OR INFORMATION GIVEN BY CDS OR THROUGH THE WEBSITES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATUTORY IN THESE TERMS OF SERVICE.

YOU USE THE WEBSITES AT YOUR OWN RISK. THE WEBSITES ARE PROVIDED "WITH ALL FAULTS," "AS AVAILABLE," "AS IS," AND WITHOUT ANY KIND OF ORGANIC OR IMPLIED WARRANTY OR REPRESENTATION. THIS CONTAINS INFORMATION, DATA, AND COMMERCIAL CONTENT, AS WELL AS THIRD-PARTY WEBSITES AND PRODUCTS OR SERVICES AVAILABLE VIA THE WEBSITES.

The websites, any third-party websites, data, information, commercial content, products, or services offered on or through the websites, any third-party websites, or any of their suppliers, business partners, or CDS make no warranties that they will operate without interruption or be free of errors, viruses, or other malicious software. You use these websites and all other websites at your own risk, and you are solely liable for any loss of data or property damage (including damage to computers) that arises from your use of them.

The above limitation or exclusion may not apply to you if applicable laws prohibit it from limiting or eliminating liability for incidental or consequential damages. CDS, its third-party suppliers, and its business partners shall not be liable for any special, indirect, incidental, consequential, punitive, relievative, or exemptary damages. This includes, but is not limited to, damages resulting from any unsuccessful court action or legal dispute, lost profits, lost business, or lost revenue sources. CDS LIABILITY WILL BE LIMITED IN SUCH CASES TO THE AMOUNT ALLOWED BY APPLICABLE LAW.

This privacy statement is applicable to any websites and mobile applications that City Debt Relief ("CDS") owns or controls, including https://citydebtrelief.com and other websites or mobile applications that are owned or controlled by the company; these are collectively referred to as the "Privacy Policy." The terms "we," "us," or "our" in this privacy statement relate to affiliates or subsidiaries of CDS that have a link to this privacy statement. This Privacy Statement describes our possible methods for collecting information from you or about you, our potential uses for that information, our potential sharing of it with third parties, and our potential for information collection and use for advertising. Reading our Privacy Policy will help you better understand our online information security practices. For further information, please refer to our Terms of Service.

You acknowledge that by using any CDS website, you release and hold harmless CDS, its third-party suppliers and business partners, as well as each of their respective agents, directors, officers, employees, and all other related individuals or entities, from any and all liabilities, obligations, claims, demands, causes of action, proceedings, legal fees, costs, and expenses of any kind or nature, whether known or unknown, arising from or connected in any way to your use of the website. A GENERAL RELEASE DOES NOT GO TOO FAR TO INCLUDE CLAIMS THAT THE CREDITOR, HADING BEEN ASKED TO KNOW OR SUSPECT TO EXIST AT THE TIME OF EXECUTING THE RELEASE, MUST HAVE HAD A MATERIALLY IMPACTED HIS SETTLEMENT WITH THE DEBTOR.IF YOU LIVE IN CALIFORNIA, YOU WAIVE CALIF

This privacy statement is applicable to any websites and mobile applications that City Debt Relief("CDS") owns or controls, including https://citydebtrelief.com and other websites or mobile applications that are owned or controlled by the company; these are collectively referred to as the "Privacy Policy." The terms "we," "us," or "our" in this privacy statement relate to affiliates or subsidiaries of CDS that have a link to this privacy statement. This Privacy Statement describes our possible methods for collecting information from you or about you, our potential uses for that information, our potential sharing of it with third parties, and our potential for information collection and use for advertising. Reading our Privacy Policy will help you better understand our online information security

You and CDS agree to resolve any disputes that may arise between us over these terms of service, any products or services you buy from websites or companies that CDS may recommend to you, or any other matter (a "Claim") by following the procedures listed below or as we may otherwise agree in writing. Claims are subject to the laws of the state of California in the United States of America, without regard to conflicts of law or rules of choice.

Furthermore, you and CDS agree that any dispute, claim, or controversy pertaining to or arising from the Claim (as well as any non-contractual disputes or claims related to or arising from them) shall fall within the jurisdiction of the Southern District of California and shall not be subject to mandatory arbitration under Section 13.2.1.

This arbitration agreement only applies to American consumers.

You and CDS agree that any disagreement, claim, or controversy between you and CDS will be settled by binding individual (rather than class) arbitration, regardless of the nature of the claims—whether they arise during or after any relationship you have with CDS, or on the basis of a contract, tort, statute, fraud, misrepresentation, or any other legal theory. Additionally, you and CDS agree that the arbitrator will alone decide any disputes regarding the validity, applicability, or scope of the arbitration agreement as well as the arbitrability of any claim or counterclaim in line with his or her own jurisdiction. Arbitration is less formal than filing a lawsuit in court. In arbitration, there is no jury or judge, and the extent of judicial review of an arbitration ruling is limited. Compared to a courtroom setting, there can be less discovery. The arbitrator is bound by this agreement and may award damages and other remedies as a court would, with the exception that the arbitrator may not provide any remedy, including declaratory or injunctive relief, that would benefit any party other than the parties to the arbitration (including attorney fees). This arbitration agreement shall be enforceable even after the Service is terminated.

Notwithstanding the foregoing paragraph (13.2.1), you and CDS agree that nothing in this Arbitration Agreement will be interpreted as relinquishing, stopping, or otherwise limiting any of our rights to file a separate lawsuit at any time and request only preliminary or temporary individual injunctive relief in a court of law, pending the arbitrator's final decision.

In any alleged class or representative action, neither you nor CDS may bring claims against the other other than in your or its individual capacity and not as a plaintiff or class member. Unless you and CDS agree otherwise, no arbitrator or judge may combine several parties' claims or otherwise participate in a representative or class action. Only the specific party and the extent necessary to fulfill that party's specific claim for relief may the arbitrator provide an injunctive remedy. Limitations in this paragraph that a court determines cannot be applied to a particular relief claim have to be taken out of the arbitration and brought before the court in that particular instance (and only that claim).

A procedure for arbitration may be started by you or by us. Any arbitration between you and CDS will be governed by the Consumer Arbitration Rules of the American Arbitration Association ("AAA") then in effect (the "AAA Rules"), as revised by this Arbitration Agreement. Despite the above choice of law clause, you and CDS recognize and agree that this part will be read and enforced in line with the Federal Arbitration Act. You can contact the AAA at (949) 328-3442, or visit Citydebtreliefs.com to obtain the AAA Rules and instructions on starting an arbitration suit. Using CDS, you may get in touch with the AAA.

A party may request arbitration by sending the other party a written notice of the dispute by certified mail, Federal Express, UPS, or Express Mail (together with the required signature); alternatively, if your physical address isn't on file currently, you may send the notice by email ("Notice"). Notifications to CDS should be sent to City Debt Relief, Attn: General Counsel, 16842 Von Karman Ave, suite 175 Irvine CA 92606. The notice needs to: (1) describe the nature and origin of the dispute or claim; and (2) state the remedies that is being sought (referred to as the "Demand"). We both agree to try in good faith to resolve the matter directly, but you or CDS may file for arbitration if we are unable to do so within 30 days of receiving the Notice. All papers and information given during the arbitration must be kept fully confidential by the recipient, except from the arbitration's goals and the enforcement of the arbitrator's ruling and award. Additionally, they must only be disclosed in confidence to those who require to know for those purposes or as mandated by applicable law, and the receiver may not use them for any other purposes.

In the event that all or part of this Arbitration Agreement is found to be invalid, the parties agree that the exclusive jurisdiction and venue listed in Section 13.1 shall apply to any legal claims arising out of or related to the Agreements.