Terms of Service

1. Acceptance of Terms

Welcome to DebtCat ("we," "us," or "our"). By accessing or using our website, services, applications, or any content provided through DebtCat (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and our Refund Policy. If you do not agree to these Terms, please do not use our Services.

2. Eligibility

You must be at least 18 years old and capable of entering into a legally binding agreement to use our Services. By using our Services, you represent and warrant that you meet these requirements.

3. Account Registration

To access certain features of our Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Maintain the security and confidentiality of your account credentials.
• Notify us immediately of any unauthorized use of your account.

4. User Conduct

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws or regulations.
• Infringing upon or violating our intellectual property rights or the rights of others.
• Engaging in fraudulent or deceptive practices.
• Uploading or transmitting viruses or malicious code.
• Interfering with the security or integrity of our Services.
• Collecting or harvesting personal information about other users.

5. Intellectual Property Rights

All content, trademarks, logos, and intellectual property displayed on or used in connection with our Services are owned by DebtCat or its licensors. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for personal, non-commercial purposes.

Unauthorized use, reproduction, modification, distribution, or storage of any content for other than personal, non-commercial use is expressly prohibited without prior written permission from us.

6. Data Collection and Privacy

Your use of our Services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our Services, you consent to the collection and use of your data as described in the Privacy Policy.

7. User Responsibilities

7.1 Accurate Information

You are responsible for providing accurate, current, and complete information when using our Services, including but not limited to your mailing address. It is your responsibility to ensure that the address you provide is correct and to review it on the mail review page before finalizing any requests.

7.2 Undelivered Letters

DebtCat is not responsible for any letters or communications that are undelivered due to incorrect or incomplete address information provided by you. Undelivered letters resulting from user-provided errors are not grounds for refunds.

8. Payment and Fees

Certain features of our Services may require payment of fees. You agree to pay all applicable fees as described on our website. All fees are non-refundable, except as required by law or as expressly set forth in these Terms.

We reserve the right to change our fees at any time. Any changes will be communicated to you in advance and will not affect orders already placed.

9. Refund Policy

Refunds are generally not provided unless we are unable to fulfill your request. This includes situations where letters are undelivered due to incorrect or incomplete address information provided by you. If a refund is issued, a processing fee of $1 may be deducted from the refund amount.

To request a refund, please contact us at . Refund requests will be evaluated on a case-by-case basis.

10. Disclaimers

No Guarantees: DebtCat provides the Services on an "as is" and "as available" basis. We do not guarantee that our Services will meet your requirements or that the results will be accurate or reliable.

No Legal or Financial Advice: DebtCat is not a financial institution, law firm, or credit repair organization. The content provided is for informational purposes only and does not constitute legal or financial advice. You should consult with qualified professionals for advice specific to your situation.

11. Limitation of Liability

To the fullest extent permitted by law, DebtCat and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services.

Our total liability to you for any damages arising from or related to these Terms or the Services will not exceed the amount you have paid to DebtCat in the last twelve (12) months, or one hundred dollars ($100) if no payments have been made.

12. Indemnification

You agree to indemnify, defend, and hold harmless DebtCat and its affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your access to or use of the Services.
• Your violation of these Terms.
• Your infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, including for any violation of these Terms.

Upon termination, all provisions of these Terms which by their nature should survive termination shall remain in effect, including, but not limited to, intellectual property rights, disclaimers, indemnity, and limitations of liability.

14. Modifications to the Services and Terms

We reserve the right to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice.

We may update these Terms from time to time. Any changes will be posted on this page, and, if the changes are significant, we will provide a more prominent notice. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

15. Dispute Resolution and Arbitration

15.1 Agreement to Arbitrate

Any disputes arising out of or relating to these Terms or the Services will be resolved through binding arbitration, rather than in court, except for matters that may be taken to small claims court.

15.2 Arbitration Procedures

The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, including the AAA's Consumer Arbitration Rules. The arbitration will be held in the county where you reside or another mutually agreed location.

15.3 Class Action Waiver

You and DebtCat agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

16. Governing Law

These Terms and any disputes related thereto shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and DebtCat regarding the use of the Services and supersede any prior agreements.

19. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Email:

Address:

20. Additional Terms

20.1 Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, or strikes.

20.2 Assignment

You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

20.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

21. Acceptance of These Terms

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.