These Terms of Service ("Terms") govern your use of friendlydebtrelief.loans and the matching services offered by Friendly Debt Relief, a division of First Mover, LLC ("Friendly Debt Relief," "we," "us," or "our"). By using our site or services, you agree to these Terms.
1. Our role
Friendly Debt Relief is a marketing service that connects qualifying consumers with licensed third-party debt relief providers. We are not a debt relief provider, a lender, a law firm, a credit counseling agency, or a financial advisor. We do not provide legal, tax, financial, or credit counseling advice. We do not guarantee enrollment with any provider or any specific outcome.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use our service. You must provide accurate and complete information. Providing false information may result in disqualification and, in certain cases, may violate federal or state law.
3. How our service works
When you submit an eligibility check, we may:
- Match you with a licensed debt relief provider in our network
- Share your contact information and self-reported debt details with that provider
- Facilitate the initial introduction
After the introduction, your relationship is with the debt relief provider, not with us. We have no role in the provider's program terms, fees, negotiations, or outcomes.
4. No guarantee of results
We make no guarantee of:
- Enrollment in any program
- Specific savings amounts
- Program timelines
- Creditor cooperation
- Credit score outcomes
- Tax treatment of forgiven debt
Individual results vary. Debt relief programs carry real risks including credit damage, potential creditor lawsuits, and possible tax consequences. You should fully understand these risks before enrolling with any provider.
5. Consent to contact (TCPA)
By providing your telephone number and clicking the consent checkbox on our site, you expressly consent to be contacted by Friendly Debt Relief and the matched debt relief provider at the number provided, including via autodialed and prerecorded calls and text messages. Consent is not a condition of purchase or of receiving our services. Standard message and data rates may apply. You may revoke consent at any time.
6. FCRA consent
If you consent to a soft credit check, you authorize us to obtain a consumer report from one or more credit reporting agencies for the purpose of evaluating your eligibility for debt relief matching. Soft credit checks do not impact your credit score.
7. Prohibited use
You may not:
- Use our service for any unlawful purpose
- Submit information about any person other than yourself
- Attempt to disrupt, reverse engineer, or gain unauthorized access to our systems
- Use our service to collect, scrape, or harvest consumer information for resale or any commercial purpose
8. Intellectual property
All content on friendlydebtrelief.loans, including text, graphics, logos, and software, is the property of First Mover, LLC or its licensors and is protected by copyright, trademark, and other laws.
9. Disclaimers
Our service is provided "as is" without warranties of any kind, express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.
10. Limitation of liability
To the fullest extent permitted by law, Friendly Debt Relief and First Mover, LLC are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of our service. Our total liability to you for any claim arising from these Terms or your use of our service is limited to one hundred dollars ($100).
11. Arbitration and governing law
Any dispute arising from these Terms or your use of our service will be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive the right to participate in class actions. These Terms are governed by the laws of the State of California, without regard to conflict of laws principles.
12. Changes
We may update these Terms from time to time. Material changes will be communicated through our website. Your continued use of our service after changes constitutes acceptance of the updated Terms.