Hello Debt – Terms & Conditions

Welcome to Hello Debt

These Terms and Conditions govern your use of the Hello Debt website.
By accessing or using this site, you agree to be bound by these Terms.
If you do not agree, please discontinue use immediately.

Cookies

We use cookies to improve your browsing experience. By continuing to use this website, you consent
to the use of cookies in accordance with our Privacy Policy. Cookies help us remember your preferences,
improve site functionality, and may be used by trusted advertising or affiliate partners.

License

Unless stated otherwise, Hello Debt and/or its licensors own all intellectual property rights for
content on this site. You may view and print pages from
https://www.hellodebt.com for personal use only,
subject to the following restrictions:

You must not:

  1. Republish material from the site;
  2. Sell, rent, or sublicense any content;
  3. Reproduce, duplicate, or copy material for commercial purposes; or
  4. Redistribute content unless specifically permitted.

All rights not expressly granted are reserved.

User Comments

  1. This Agreement begins on the date you access the website.
  2. Certain areas of the site allow users to post comments or opinions. Hello Debt does not
    screen comments before they appear and is not responsible for their content. Comments
    reflect the views of the individuals who post them.
  3. We reserve the right to monitor, edit, or remove comments that we deem inappropriate,
    offensive, or in breach of these Terms.
  4. By posting comments, you confirm that:
    1. You have the rights and permissions necessary to post the content;
    2. Your comments do not infringe any intellectual property rights;
    3. Your comments do not contain defamatory, offensive, unlawful, or privacy-invasive content; and
    4. Your comments will not be used for commercial solicitation or illegal activity.
  5. You grant Hello Debt a non-exclusive, royalty-free license to use, reproduce, edit, and
    distribute your comments across any media.

Hyperlinking to Our Site

The following organizations may link to our website without prior approval:

  1. Government agencies;
  2. Search engines;
  3. News organizations;
  4. Online directory distributors; and
  5. Accredited businesses (excluding non-profits soliciting donations).

These organizations may link to our homepage or other pages as long as the link is
not misleading, does not falsely imply endorsement, and fits the context of the linking site.

We may also consider link requests from:

  1. Consumer or business information sources;
  2. Community or portal sites;
  3. Charitable organizations;
  4. Online directory distributors;
  5. Internet portals;
  6. Professional firms (accounting, law, consulting); and
  7. Educational institutions and trade associations.

If you wish to link to our site, email us at
support@hellodebt.com with:

  • Your name and organization;
  • Contact information;
  • Your website URL;
  • Pages you intend to link from and to.

Allow 2–3 weeks for a response.

Approved organizations may link using:

  1. Our company name;
  2. Our website address; or
  3. A descriptive label that fits the linking site’s context and accurately describes
    our content.

Use of the Hello Debt logo or branding requires a separate trademark license agreement.

Iframes

You may not frame or embed our webpages in a way that alters their presentation without our
prior written permission.

Reservation of Rights

We may request removal of any link to our website at our discretion. By linking to our site,
you agree to remove links immediately upon request.

We also reserve the right to update these Terms at any time. Continued use of the site
indicates acceptance of any changes.

Removal of Links

If you find a link on our website that you believe is inappropriate or harmful, please contact us.
We will review such requests but are not obligated to remove the content or respond directly.

We strive to keep information accurate and up to date, but we do not guarantee completeness,
accuracy, or continuous availability.

Content Liability

We are not responsible for content appearing on external websites that link to us. You agree
to defend and indemnify Hello Debt from claims arising from content on your website.

No link to our site may appear on pages that contain unlawful, defamatory, obscene, or
rights-violating material.

Disclaimer

To the fullest extent permitted by law, we exclude all representations, warranties, and conditions
regarding the website, the content on this website, and your use of this website.

Nothing in this disclaimer limits liability for:

  1. Death or personal injury caused by negligence;
  2. Fraud or fraudulent misrepresentation; or
  3. Any liability that cannot be excluded under applicable law.

If the site and services are provided free of charge, Hello Debt is not liable for any loss
or damage of any kind.

Credit & Contact Information

If you have any questions about these Terms, please contact us at:
support@hellodebt.com.