DebtCompanyReviews.com Operated by Debt Company Reviews, LLC

Effective date: September 27, 2025

Terms of Use

These Terms of Use (the "Terms") govern your access to and use of DebtCompanyReviews.com and any related content, functionality, products, or services (collectively, the "Site"). The Site is owned and operated by Debt Company Reviews, LLC ("Debt Company Reviews," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms and by all applicable laws and regulations. If you do not agree to these Terms, you may not use the Site.

1. Eligibility and Acceptance

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Site. By accessing the Site, you represent that you are legally able to enter into a binding agreement and that you will comply with all applicable laws. If you use the Site on behalf of another person or entity, you represent that you are authorized to accept these Terms on their behalf and that the other person or entity agrees to be liable to us if you or they violate these Terms.

2. Privacy Statement

Your use of the Site is subject to our Privacy Policy, which describes how we collect, use, and disclose personal information. The Privacy Policy is incorporated into these Terms by reference.

3. Changes to the Site or Terms

We may modify or discontinue any aspect of the Site at any time without prior notice. We may also revise these Terms from time to time. When we do, we will update the "Effective date" above. Continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms.

4. Ownership and Intellectual Property

The Site and all text, graphics, interfaces, photographs, logos, trademarks, service marks, trade dress, software, and other content (collectively, "Content") are owned by or licensed to Debt Company Reviews and are protected by intellectual property laws. Except as expressly permitted in these Terms, you may not copy, modify, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any Content without our prior written consent. All trademarks, product names, and company names or logos on the Site are the property of their respective owners.

5. License and Permitted Use

We grant you a limited, revocable, non-exclusive, and non-transferable license to access and use the Site for your personal, non-commercial use. This license does not include any resale or commercial use of the Site or Content; any collection and use of product listings, descriptions, or prices; any derivative use of the Site or Content; or any use of data mining, robots, or similar data gathering tools.

6. Prohibited Uses

You agree that you will not:

7. User Submissions

If you submit reviews, comments, questions, or other content to the Site (collectively, "User Content"), you grant Debt Company Reviews a worldwide, perpetual, royalty-free, transferable, and sublicensable license to host, use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in any media. You represent and warrant that you own or control all rights to the User Content you submit, that the User Content is accurate, and that the use of the User Content does not violate these Terms or the rights of any third party.

8. Digital Millennium Copyright Act (DMCA)

If you believe that any Content on the Site infringes your copyright, you may submit a notification pursuant to the DMCA by providing our designated agent with the following information in writing:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.
  2. Identification of the copyrighted work claimed to have been infringed.
  3. Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material.
  4. Your contact information, including name, address, telephone number, and email address.
  5. A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
  6. A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

DMCA notices should be sent to: Debt Company Reviews, LLC, Attn: Legal, 4030 Wake Forest Road, Suite 349, Raleigh, NC 27609 or via email to legal@debtcompanyreviews.com.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, RED SAVINGS CLUB DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL RED SAVINGS CLUB, ITS AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SITE OR CONTENT, EVEN IF RED SAVINGS CLUB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

The Site may contain links to third-party websites, services, or advertisements that we do not control. We are not responsible for the content, privacy policies, or practices of any third party. Inclusion of a link on the Site does not imply endorsement of the linked website, service, or advertisement. You access third-party websites at your own risk.

12. Indemnification

You agree to defend, indemnify, and hold harmless Debt Company Reviews and its affiliates, and their respective directors, officers, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

13. Binding Arbitration and Class Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or the Site that cannot be resolved informally will be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in the federal judicial district in which you reside, unless we mutually agree to another location. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Each party will be responsible for its own arbitration fees, except that we will pay amounts required under the AAA rules. If the arbitrator finds that your claim is frivolous or brought for an improper purpose, you agree to reimburse us for the arbitration fees that we paid on your behalf. Nothing in this section will prevent either party from seeking injunctive or other equitable remedies for the alleged unlawful use of intellectual property.

YOU AND RED SAVINGS CLUB AGREE THAT ANY PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION.

14. Governing Law and Venue

These Terms and any dispute arising from or relating to them will be governed by and construed in accordance with the laws of the State of California and the United States, without regard to conflict-of-law principles. Subject to the agreement to arbitrate set forth above, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in San Diego County, California.

15. General Terms

These Terms constitute the entire agreement between you and Debt Company Reviews concerning the Site. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign our rights and obligations under these Terms at any time.

16. Contact Us

If you have questions about these Terms, please contact us at legal@debtcompanyreviews.com or by mail at Debt Company Reviews, LLC, 4030 Wake Forest Road, Suite 349, Raleigh, NC 27609.