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Terms of Service

VERIFY DEBT SOLUTIONS, AND USER AGREEMENT

This is a legal agreement between you and Verify Debt Solutions. ("VDS") that states that these website terms of service (including any document incorporated by reference herein) govern all aspects of your use of the Verify Debt Solutions. ("VDS") websites, which are located at https://Verifydebtsolutions.com and any other websites that VDS may own, control, or otherwise have access to.

These Terms of Service affect your legal rights, including our consent to arbitrate particular issues instead of taking them to trial or jury duty.

1. Qualification: Privacy

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.

VDS 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 VDS Privacy Policy is included here for reference.

2. Items and Services.

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 VDS 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.

3. Modifications to These Service Terms

VDS 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.

4. Grants of licenses.

Subject to your compliance with these Terms of Service, VDS 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 VDS, 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 VDS 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 VDS Privacy Policy), without restriction or revocation. This permission is perpetual, irrevocable, transferable, assignable, and sublicenseable (through multiple tiers).

5. Prohibited Conduct.

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.

6. Ownership and Proprietary Rights.

The websites are owned and run by VDS. 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 VDS 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 VDS express permission.

7. External Links; Interactions with Other Parties.

The websites may have allusions to or connections to other websites that belong to or are operated by unaffiliated third parties with whom VDS may have business dealings. Because VDS has no control over the availability, content, advertising, or any goods or services provided by such third parties, VDS 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. VDS 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 VDS 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. VDS does not charge anyone to view the webpages.

8. Termination; Only Available Compensation.

VDS 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, VDS retains the right, at its sole discretion, to discontinue providing access to one or more websites at any time. Whether VDS 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 VDS policy or practice pertaining to the operation of any website.

9. Compensation for damages.

You agree to defend, indemnify, and hold harmless VDS 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 VDS in defending against any such allegations. VDS reserves the right to take exclusive defense and command of any case for which you are required to pay us compensation. VDS shall use reasonable efforts to notify you of any such claim, action, or proceeding as soon as it becomes known.

10. Disclaimers and No Warranty.

To the fullest extent permitted by law, VDS, 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 VDS 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 VDS 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.

11. Limitations on Accountability.

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. VDS, 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. VDS 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 Verify Debt Solutions ("VDS") owns or controls, including https://Verifydebtsolutions.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 VDS 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.

12. Release.

You acknowledge that by using any VDS website, you release and hold harmless VDS, 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 Verify Debt Solutions("VDS") owns or controls, including https://Verifydebtsolutions.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 VDS 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.

13. Law, Mandatory Arbitration, and Location

13.1 Legal System/Jurisdiction

You and VDS 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 VDS 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 VDS 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.

13.2 Agreement to Arbitrate

This arbitration agreement only applies to American consumers.

13.2.1 Conflict resolution and arbitration

You and VDS agree that any disagreement, claim, or controversy between you and VDS 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 VDS, or on the basis of a contract, tort, statute, fraud, misrepresentation, or any other legal theory. Additionally, you and VDS 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.

13.2.2 Exceptions

Notwithstanding the foregoing paragraph (13.2.1), you and VDS 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.

13.2.3 Waiver of Class Action: No Class Actions or Representative Claims

In any alleged class or representative action, neither you nor VDS 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 VDS 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).

13.2.4 Extrajudicial processes

A procedure for arbitration may be started by you or by us. Any arbitration between you and VDS 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 VDS recognize and agree that this part will be read and enforced in line with the Federal Arbitration Act. You can contact the AAA at (866) 201-8886, or visit Verifydebtsolutions.com to obtain the AAA Rules and instructions on starting an arbitration suit. Using VDS, you may get in touch with the AAA.

13.2.5 Notice; Process

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 VDS should be sent to Verify Debt Solutions, 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 VDS 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.

13.2.6 Compliance

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.

14. Miscellaneous.

14.1 Notification. VDS may send you alerts via email, regular mail, or posts on their website. Notice will be considered sent twenty-four hours after it is issued, unless VDS is notified that the email address provided is invalid. As an alternative, VDS may mail legal notice to the postal address you provided on any website. In this case, notice will be considered delivered after three (3) calendar days from the date of mailing.

Any written notices to VDS must be mailed to the following address:

Verify Debt Solutions
16842 Von Karman Ave, suite 175
Irvine CA 92606

14.2 Terms of Waiver and Severability.

VDS shall not be deemed to have waived any right or term of these Terms of Service that it does not perform or enforce. For any of the conditions of this agreement to be valid, VDS must sign a written waiver of those terms. The parties acknowledge and agree that the other conditions of the conditions of Service will remain in full force and effect and that the court will try to give effect to the parties' intentions in the event that any provision is found by a court of competent jurisdiction to be invalid.

14.3 Forum and Law Selection.

Without regard to any conflicts of law rules, these Terms of Service shall be governed by and interpreted in conformity with the laws of the State of California, which are applicable to contracts entered into and to be executed only inside California between residents of California. If you are an Idaho resident, these Terms of Service shall be governed in all respects by the laws of the State of Idaho.

A court in San Diego, California shall have the authority to decide any claim or dispute you may have against VDS, unless the parties have otherwise agreed or as specified in paragraph 13.

You agree to submit to the personal jurisdiction of the courts located in San Diego County, California, for the purpose of resolving any such claims or disputes. If you are located in Idaho, you are not subject to this restriction since Idaho customers are governed by Idaho state law. It shall be presumed that all claims submitted or asserted in contravention of this Section 14.3 or Section 13 were filed unlawfully. If you file a claim improperly, VDS might be able to get fair legal fees and costs as long as it notifies you in writing of the error and you don't immediately withdraw it. Customers in Idaho are unaffected by this.

14.4 Assignment.

You may not assign or transfer any of your rights or obligations under these Terms of Service without the express prior written consent of VDS, which may be given at any time and at its sole discretion. However, you recognize and agree that VDS is free, without any limitations or restrictions, to assign or transfer any of its rights or obligations under these Terms of Service to another party.

14.5 Control over Information

You understand and agree that the Company shall possess all intellectual property rights in the Submissions and shall retain ownership of the Submissions if you provide us with any creative elements, including ideas, thoughts, drawings, pictures, or other materials (collectively, the "Submissions"). The Company disclaims all liability regarding the use and disclosure of any Submissions, including any obligation to safeguard the confidentiality of such Submissions. In addition to the foregoing, Company shall be the sole owner of all now known or hereafter discovered rights to all submissions of any kind and nature worldwide. It shall also be allowed to use submissions without limitation for any purpose, commercial or otherwise, without having to reimburse the creator of the submissions.

14.6 Policy on Copyright Infringement.

In accordance with Title 17 United States Code Section 512(c)(2) ("DMCA") regulations, the Company shall investigate allegations of copyright infringement and take appropriate corrective action. Should you believe that any content on https://Verifydebtsolutions.com has been used or reproduced in a manner that infringes upon your intellectual property rights, kindly forward a written notice to the site's designated agent, alleging copyright infringement, with the following elements included in compliance with the DMCA:

Below is the company's designated agent's contact information for written reports of copyright infringement allegations:

Claims of Designated Agent Regarding Violations of Copyright

Verify Debt Solutions
16842 Von Karman Ave, suite 175
Irvine CA 92606

14.7 Complete Agreement.

These Terms of Service, along with any other document included by reference herein, supersede any prior agreements between you and VDS and regulate your use of the websites. Despite the foregoing, if you use or purchase some products and/or services provided by VDS or one of its third-party business partners, you might also be subject to additional terms and conditions.

14.8 Survival.

The following terms will still apply following termination or your choice to discontinue using the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13, and 14.

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