Terms of Service

Last updated September 2025

Please note that all calls with The Debt Geek may be recorded or monitored for quality assurance and training purposes.

AGREEMENT BETWEEN USER AND THE DEBT GEEK — PLEASE READ THE TERMS OF SERVICE SET FORTH BELOW (THE “TERMS”) WHICH GOVERN YOUR USE OF THIS WEBSITE ON THE WORLD WIDE WEB (THE “SITE”) AND ARE LEGALLY BINDING ON YOU. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THE SITE. YOUR USE OF THE SITE SHALL BE DEEMED TO BEYOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW.

This Agreement contains a binding arbitration agreement. These Terms affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials. As a condition of using this Site, you agree that any disputes pertaining to information presented herein and use of the Site shall be resolved through binding arbitration and not in a court. You have the right to opt-out of our agreement to arbitrate.

The Debt Geek provides “The User” with access to its content, resources, education, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service.” The Debt Geek provides its service to the user, subject to the following Terms of Service.

The Debt Geek provides “The User” with access to its content, resources, education, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service.”

The Debt Geek provides its service to the user, subject to the following Terms of Service.The Debt Geek is not responsible for providing you access facilities or equipment (in any form) to its service.

You, “The User,” also understand and agree that “The Service” may include advertisements and sponsorships and that these are necessary for The DebtGeek to provide “The Service.”You also understand and agree that The Debt Geek makes no guarantee about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within “The Service” for any purpose. “TheService” is provided “as is” without warranty of any kind. The Debt Geek hereby disclaims all warranties and conditions with regard to “The Service.”

Please note that The Debt Geek itself does not directly provide credit repair services. However, through this website, we do collect user information which may be provided to third-party debt service providers who may offer various debt-related services, potentially including credit repair. By submitting your information on our site, you are authorizing us to share it with such third-party providers, who may then contact you regarding their service offerings.

The Debt Geek does not guarantee or endorse the services of any particular provider.

The Debt Geek firmly commits to making its programs and services available to all individuals for whom those programs are suitable and does not tolerate discriminatory practices in connection with those programs and services. Accordingly, it is the policy ofThe Debt Geek to ensure equal opportunity and access to its programs and services without discrimination on the basis of race, color, religion, sex, marital status, citizenship, national origin, or ancestry.

The Debt Geek prohibits any such discriminatory practices.

Please be advised that The Debt Geek does not itself provide debt relief services or programs. Instead, the purpose of this website is to connect visitors with third-party providers who may be able to assist with debt-related matters. Any services or plans will be supplied directly by those providers and not by The Debt Geek.

The Debt Geek, thedebtgeek.com is not a lender and/or lending partner, does not broker loans, and does not make cash advances or credit decisions. This site does not constitute an offer or solicitation to lend. We will share your loan request information with one or more marketplace participants. We do not guarantee that you will be connected with a lender and/or lending partner; any particular loan program; that you will receive a loan. We do not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by marketplace participants through this service are the best terms available in the market. Not all marketplace participants participating in this service can provide your requested loan amount or the most favorable repayment terms. You are providing express written consent under the Fair Credit Reporting Act for our lenders and/or lending partners with whom you are connected to obtain your consumer credit report from your credit profile or other information from contracted credit bureau(s) associated with your pre-qualification for credit inquiry.

MODIFICATION OF THESE TERMS

The Debt Geek reserves the right to change any of the terms, conditions, and notices under which “The Services” are offered. You are responsible for regularly reviewing these Terms of Service, including changes/modifications if any incorporated by us from time to time. Your continued use of “The Service” constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION TO “THE SERVICE”

The Debt Geek reserves the right to modify or discontinue, temporarily or permanently,“The Service” (or any part of “The Service”) with or without notice to “The User” at anytime and from time to time. “The User” agrees that The Debt Geek shall not be liable to“The User” or any third party for any modification or discontinuance of the Service.

USER CONDUCT

“The Service” may include e-mail services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the particular tool forCommunication. You also hereby agree that you shall not make use of “The Service” for any commercial purpose, including reselling and/or co-branding/private labeling.

As a condition of your use of “The Service” you, “The User,” agree to provide: (a) true, accurate, current and complete information about yourself as required by “The Service’s”registration form (such data being the “Registration Information, and RetainerAgreement”); (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, The Debt Geek has the right to terminate the user account and refuse any and all current or future use of “The Service.” (c) The Debt Geek the right to use/disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented The DebtGeek the right to use your registration information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

Usage Obligations

As a condition of your use of “The Service” you will not use “The Service” for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through “The Service.” You agree not to use “The Service” to:

• obstruct or hinder the use and enjoyment of “The Service” by other Users;
• violate any applicable local, state, national, and international laws and regulations;
• impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• interfere with or disrupt “The Service” or servers or networks connected to “TheService,” or defy any requirements, regulations or guidelines of networks connected to“The Service”;
• transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise);
• upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, or otherwise objectionable;
• upload, post, e-mail, transmit or otherwise make available any content protected by patent, trademark, copyright or other intellectual property laws unless you own or control the rights thereto or have received all necessary consents;
• upload files that contain viruses, worms, corrupted files or similar software designed to disrupt or limit the operation of a computer;
• “stalk” or harass other users or collect/store their personal data;
• advertise, promote or sell any goods or services unless specifically allowed;
• reproduce, duplicate, copy, resell or exploit for any commercial purposes any portion of“The Service”;
• violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law;
• conduct any activity that would aid or assist terrorism or related activity.

The Debt Geek has no obligation to observe and monitor “The Service.” However, it reserves the right to review and remove any material at its discretion and terminate user access without notice if needed. You must notify The Debt Geek immediately of any unauthorized use or security violation. You should exit your account at the end of each session. The Debt Geek is not liable for losses from such unauthorized use, although you may be liable for damages arising from noncompliance. You may not use another user’s account without permission.

PRIVACY POLICY

Registration information and other information about you is subject to our Privacy Policy.

LIMITATION OF LIABILITY

You expressly understand and agree that, to the extent permitted by law, The Debt Geek shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including loss of profits, goodwill, use, data or other intangible losses (even if it has been advised of the possibility of such damages), resulting from:

(i) use or inability to use the Service;
(ii) the cost of substitute services;
(iii) unauthorized access to or alteration of transmissions or data;
(iv) statements or conduct of third parties on the Service; or
(v) any other matter related to the Service.

CONTENT SPINNING AND AUTOMATIC CONTENT REPUBLICATION

The Debt Geek prohibits third parties from automatically or manually repurposing its content (articles, posts, blogs, etc.) without written consent from senior management.We will enforce copyright and intellectual property rights fully. You may feature an excerpt of up to 25 words in a blog discussion, provided it links back to the full article atwww.thedebtgeek.com.

CONTENT PROVIDED TO THE SERVICE

The Debt Geek does not claim ownership of content you submit (data, text, feedback, etc.). By submitting material, you grant The Debt Geek and its affiliates permission to use, copy, distribute, transmit, publicly display, perform, reproduce, edit, translate, reformat your submission, and publish your name in connection with it.

SMS and Auto-Dialed Calls

By entering your contact info on thedebtgeek.com, you expressly request to receive calls, emails, and SMS/MMS messages (including automated calls or texts), even if your number is on a Do Not Call list. Consent is not a condition of purchase. Standard message/data rates may apply. To opt out, reply “STOP” to any message received.

Advertiser Disclosure

The Debt Geek is a for-profit company that receives marketing and referral fees from debt relief providers, lenders, and financial service providers (“Service Providers”) to whom we transmit your information. These fees may influence provider placement in displayed results.

Credit Authorization Agreement

By submitting your request, you authorize The Debt Geek and/or partners to obtain your consumer credit report, score, and other info from credit bureaus to provide quotes and verify identity. Providers may also collect your SSN, address, phone, bank account, and employment details for assessment purposes.

Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

By agreeing to these terms, you consent to receive and sign documents electronically(disclosures, contracts, etc.). You acknowledge your rights under this E-Consent policy.

DISPUTES, ARBITRATION & CLASS ACTION WAIVER

Any dispute relating to your visit to this website or use of services shall be submitted to confidential, binding arbitration administered by a recognized arbitration organization, rather than resolved in court. Arbitration will follow applicable rules (e.g., AmericanArbitration Association). The award shall be binding and may be entered as judgment in any court. No arbitration may be joined to another parties’ proceeding.

You may opt out of arbitration within 30 days by emailing your request (with name, email, phone) to reports@growthlink.co with the subject “Opt-Out of Arbitration.”

If you do not opt out, arbitration is mandatory. However, nothing prevents us from seeking injunctive or equitable relief in court for intellectual property or confidential