Terms of Use
Effective Date: September 23, 2026
These Terms of Use govern your use of DebtFinch.com (“DebtFinch,” the “Site,” “we,” “us,” or “our”).
By accessing or using the Site, you agree to these Terms.
Informational Website
DebtFinch provides educational and informational content concerning personal finance, debt, credit, budgeting, and related topics.
DebtFinch is not a bank, lender, creditor, debt collector, debt settlement company, credit-repair organization, credit counseling agency, financial advisor, or law firm.
Content available through DebtFinch does not constitute legal, tax, investment, or individualized financial advice.
No Professional Relationship
Your use of DebtFinch does not create an attorney-client, financial-advisor, fiduciary, lender-borrower, counselor-client, or similar professional relationship.
You should consider your individual circumstances and consult an appropriately qualified professional when necessary.
Third-Party Services
DebtFinch may provide links to independent third-party companies offering debt-relief or other financial products and services.
DebtFinch does not control these companies and does not guarantee:
- Acceptance or eligibility;
- Savings or debt reduction;
- Interest-rate reductions;
- Specific repayment terms;
- Settlement amounts;
- Credit-score outcomes;
- Approval for any financial product;
- The length of time required to resolve debt; or
- Any particular financial result.
Eligibility and results depend on numerous factors and vary by individual.
Affiliate Relationships
Some links, advertisements, recommendations, and service-provider references appearing on DebtFinch are compensated.
DebtFinch may receive compensation when visitors click a link, request information, submit information, qualify as a lead, purchase a product or service, or complete another specified action.
Compensation may influence which companies, products, or services appear on the Site and where they appear.
No Guarantee of Results
Examples, illustrations, calculations, savings scenarios, or other financial information presented on DebtFinch are provided for informational purposes unless expressly identified otherwise.
Past or illustrative outcomes do not guarantee future results.
DebtFinch does not guarantee that any creditor will agree to modify, settle, reduce, or otherwise change a debt.
Accuracy of Information
We attempt to provide useful information but cannot guarantee that every piece of information on the Site will always be complete, accurate, or current.
Financial products, laws, fees, qualification requirements, and third-party programs may change.
Users should independently verify material information before making financial decisions.
Third-Party Websites
DebtFinch may link to websites operated by third parties.
We are not responsible for third-party websites, their availability, content, representations, privacy practices, security, products, or services.
Your interactions with third parties are governed by their respective agreements and policies.
Intellectual Property
Unless otherwise indicated, the DebtFinch name, website design, original written content, graphics, branding, and other original Site materials are owned by or licensed to DebtFinch and protected by applicable intellectual-property laws.
You may use the Site for personal, noncommercial purposes. You may not reproduce, republish, distribute, scrape, sell, or commercially exploit substantial portions of the Site without authorization.
Prohibited Uses
You may not use DebtFinch to:
- Violate applicable law;
- Attempt unauthorized access to systems or data;
- Distribute malicious software;
- Interfere with Site operation;
- Fraudulently impersonate another person;
- Collect information about other users without authorization; or
- Use automated systems in a manner that materially disrupts the Site.
Disclaimer of Warranties
To the extent permitted by applicable law, DebtFinch and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
Limitation of Liability
To the maximum extent permitted by applicable law, DebtFinch and its owners, operators, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the Site or reliance on Site content.
Nothing in these Terms excludes liability that cannot legally be excluded.
Changes
We may modify these Terms periodically. Continued use of the Site following publication of revised Terms constitutes acceptance of the updated Terms to the extent permitted by law.
Contact
Questions concerning these Terms may be sent to: