TERMS & CONDITIONS

© 2023 Debt Zero. Please note that all calls may be recorded or monitored for quality assurance and training purposes.

Debt Zero, LLC operates under the business name Debt Zero. Clients who make all their monthly program payments typically pay around 55% of their enrolled balance after successful program completion, excluding fees. Fees are calculated as a percentage of your enrolled balance and range from 15-25%. Programs last between 12-48 months. On average, clients must save 40-50% of each enrolled account before a settlement offer can be made. The first settlement is usually received 4-6 months after enrollment and then every 3-6 months thereafter. Not all clients complete the program, and results may vary. No guarantees are made regarding the resolution amount, percentage, or timeline. We do not assume your debts, make payments to creditors, provide legal, tax, accounting, or credit repair services. The program is not available in all states, and fees may vary. Using debt consolidation services can negatively impact your credit. You may face collections or lawsuits by creditors. Your outstanding debts may increase due to fees and interest accrual. You can withdraw from the program at any time without penalty and receive all funds from your dedicated account, except for funds earned by the company or fees paid to third-party providers as applicable. Read and understand the program materials before enrolling. Certain creditors and debt types are not eligible for enrollment. C.P.D. Reg. No. 21-04861.

Debt Zero provides no assurance of specific performance outcomes, such as a reduction in debt by a set amount or percentage, or achieving debt-free status within a particular timeframe.

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We practice non-discrimination on the basis of race, color, religion, gender, marital status, national origin, or ancestry.

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Testimonials represent personal views and may not represent the experiences of all individuals.

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Last update: February 6th, 2023

AGREEMENT BETWEEN USER AND DEBT ZERO LLC

These Website Terms of Service (including any document incorporated by reference herein) for the Debt Zero LLC. (“DZ”) websites, located at debt-zero.co and such other websites as may be owned and/or controlled by DZ (collectively the “websites”) that contain these Website Terms of Service (the “Terms of Service”), constitutes a legal contract between you and DZ and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.

These Terms of Service affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials.

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Eligibility; Privacy.

The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.

Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Service, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Service and any other document that is incorporated by reference herein, these Terms of Service shall control.

DZ has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. DZ’s Privacy Policy is hereby incorporated herein by reference.

Products and Services.

Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, DZ will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.

Modification of These Terms of Service.

DZ reserves the right to change, modify, add or remove portions of these Terms of Service

Limitation of Liability

Under no circumstances, including but not limited to negligence, will Debt Zero or its third-party suppliers and business partners be liable for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation damages arising from any unsuccessful court action or legal dispute, lost business, lost revenues, loss of anticipated profits, or any other pecuniary or non-pecuniary loss or damage of any nature) arising out of or relating to these terms of service or that result from your use or your inability to use the websites or any third-party website or any other interactions with Debt Zero, even if Debt Zero has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such cases, Debt Zero’s liability will be limited to the fullest extent permitted by applicable law.

Release

By using any Debt Zero website, you agree to release and discharge Debt Zero and its third-party suppliers and business partners, and each of their respective agents, directors, officers, employees, and all other related persons or entities, from any and all claims, demands, causes of action, proceedings, liabilities, obligations, legal fees, costs, and expenses of any kind or nature, whether known or unknown, arising out of or in any way connected with your use of the websites. If you are a California resident, you waive California Civil Code Section 1542, which says, “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

Choice of Law, Mandatory Arbitration and Venue

13.1 Governing Law and Jurisdiction

In the event of a dispute between you and Debt Zero that arises out of these terms of service or any product or service you obtain through the websites or companies to which Debt Zero may refer you (a “Claim”), you and Debt Zero agree to resolve that claim in accordance with the procedures set forth below or as otherwise agreed to in writing. Claims are subject to the laws of the state of California, United States of America, without regard to choice or conflicts of law principles.

Further, you and Debt Zero agree to the jurisdiction of the Southern District of California to resolve any dispute, claim, or controversy that relates to or arises in connection with the claim (and any non-contractual disputes or claims relating to or arising in connection with them) and is not subject to mandatory arbitration under Section 13.2.1.

13.2 ARBITRATION AGREEMENT

This arbitration agreement applies only to consumers in the United States.

13.2.1 Dispute Resolution and Arbitration

You and Debt Zero agree that any dispute, claim, or controversy between you and Debt Zero arising in connection with or relating in any way to a claim or to your relationship with Debt Zero (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arise during or after any relationship you have with Debt Zero) will be determined by mandatory binding individual (not class) arbitration. You and Debt Zero further agree that the arbitrator shall have the exclusive power to rule on their own jurisdiction, including any objections with respect to the existence, scope or validity of the arbitration agreement or to the arbitrability of any claim or counterclaim. Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is limited. There may be limited discovery compared to court. The arbitrator must follow this agreement and can award the same damages and relief as a court (including attorney fees), except that the arbitrator may not award any relief, including declaratory or injunctive relief, benefiting anyone but the parties to the arbitration. This arbitration provision will survive termination of the service.

13.2.2 Exceptions

Notwithstanding the clause above (13.2.1), you and Debt Zero both agree that nothing in this arbitration agreement will be deemed to waive, preclude, or otherwise limit either of your rights, at any time, to bring an individual action seeking only temporary or preliminary individualized injunctive relief in a court of law, pending a final ruling from the arbitrator.

13.2.3 No Class or Representative Proceedings: Class Action Waiver

You and Debt Zero agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative action. Unless both you and Debt Zero agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.

13.2.4 Arbitration Rules

Either you or Debt Zero may start arbitration proceedings. Any arbitration between you and Debt Zero will take place under the Consumer Arbitration Rules of the American Arbitration Association (“AAA”) then in force (the “AAA Rules”), as modified by this arbitration agreement. You and Debt Zero agree that the Federal Arbitration Act applies and governs the interpretation and enforcement of this provision (despite the choice of law provision above). The AAA Rules, as well as instructions on how to file an arbitration proceeding with the AAA, appear at adr.org, or you may call the AAA at 1-800-778-7879. Debt Zero can also help put you in touch with the AAA.

13.2.5 Notice and Process

A party seeking to initiate arbitration must first send a written notice of the dispute to the other party, either by certified mail, Federal Express, UPS, or Express Mail (with signature required), or by electronic mail if a physical address is not on file. The notice should be sent to: Debt Zero, LLC, Attn: General Counsel, 591 Camino De La Reina, Suite 818, San Diego, CA 92108. The notice must (1) describe the nature and basis of the claim or dispute; and (2) specify the relief sought. Debt Zero will make good faith efforts to resolve the claim directly, but if no agreement is reached within 30 days of receipt of the notice, either party may commence arbitration proceedings. All information and documents disclosed during arbitration must be kept confidential by the recipient and may only be used for the purpose of the arbitration or enforcement of the arbitrator's decision, and must not be disclosed except to individuals with a need to know or as required by law.

13.2.6 Enforceability

If this arbitration agreement is partially or fully invalidated, the parties agree that the exclusive jurisdiction and venue described in Section 13.1 shall govern any court claims related to the agreements.

Miscellaneous

14.1 Notice: Debt Zero may provide notices by email, regular mail, or website postings. Notice will be deemed given 24 hours after email is sent, unless notified otherwise. Alternatively, Debt Zero may give legal notice by mail to a postal address provided by you, in which case notice will be deemed given three calendar days after mailing.

Notices to Debt Zero must be in writing and sent to:

Debt Zero, LLC

Attn: General Counsel

14.2 Waiver and Severability of Terms:

Debt Zero's failure to exercise or enforce any right or provision of these terms does not constitute a waiver of such right or provision. Any waiver of a provision of these terms will only be effective if in writing and signed by Debt Zero. If any provision of these terms is found to be invalid by a court, the other provisions shall remain in full force and the parties agree that the court should give effect to their intentions.

14.3 Choice of Law and Forum:

These terms shall be governed in all respects by the laws of the State of California for agreements entered into and performed entirely within California between California residents, without regard to conflict of law provisions. If you reside in Idaho, these terms shall be governed by the laws of the State of Idaho.

All claims against Debt Zero must be resolved in a court located in San Diego, California, except as otherwise agreed by the parties or as described in Paragraph 13. You agree to submit to the personal jurisdiction of the courts located within San Diego County, California, for the purpose of litigating all such claims. If you are located in Idaho, this rule does not apply and you are bound by the laws of the State of Idaho.

Claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered improperly filed. If a claim is filed improperly, Debt Zero may recover reasonable attorney's fees and costs if it has notified you in writing and you have failed to withdraw the claim promptly. This does not apply to Idaho consumers.

14.4 Assignment:

You may not transfer or assign any rights and obligations under these terms without the express prior written consent of Debt Zero, given in its sole discretion. However, you acknowledge and agree that Debt Zero may freely and without restriction assign or transfer any of its rights and obligations under these terms.

14.5 Ownership of Information.

If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of Debt Zero. None of the Submissions shall be subject to any obligation of confidentiality on the part of Debt Zero, and Debt Zero shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Debt Zero shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions.

14.6 Copyright Infringement Policy.

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), Debt Zero will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on www.debtzero.com has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

• a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
• identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
• identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
• information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
• a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
• a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

14.7 Entire Agreement.

These Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and Debt Zero and govern your use of the websites, superseding any prior agreements between you and Debt Zero. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by Debt Zero or one of Debt Zero’s third party business partners.

14.8 Survival.

The following paragraphs shall survive termination or your refusal to continue to use the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.

PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS.