Terms and Conditions
TERMS AND CONDITIONS
Debt Compass Navigators, LLC
Effective Date: 2/1/2025
1. ACCEPTANCE OF TERMS
By accessing or using the services of Debt Compass Navigators, LLC ("Company," "we," "us," "our"), including but not limited to our website, consultations, and affiliate referrals, you agree to be bound by these Terms and Conditions ("Agreement"). If you do not agree to these terms, you must immediately discontinue use of our services.
2. SERVICES PROVIDED
Debt Compass Navigators, LLC is a referral service that connects individuals seeking debt relief assistance with third-party service providers ("Affiliates"). We do not provide financial, legal, or credit counseling services, nor do we negotiate or settle debts on behalf of any individual. Our role is limited to facilitating connections between users and reputable debt relief providers.
3. NO GUARANTEE OF OUTCOME
We do not guarantee the effectiveness, success, or outcome of any debt relief service offered by our Affiliates. The terms, conditions, and results of any service provided by an Affiliate are solely between you and that entity. We are not responsible for any actions, representations, or omissions of any Affiliate.
4. ELIGIBILITY
By using our services, you represent and warrant that: a. You are at least 18 years old; b. You reside in the United States; c. The information you provide to us is accurate, complete, and truthful; d. You are legally capable of entering into binding contracts.
5. USER RESPONSIBILITIES
You acknowledge and agree that: a. You are responsible for conducting your own due diligence before engaging with any Affiliate; b. Debt Compass Navigators, LLC does not provide financial or legal advice; c. You will not use our services for any fraudulent or unlawful purposes.6. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Debt Compass Navigators, LLC and its officers, directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or reliance on information obtained from our website or representatives.
7. NO ATTORNEY-CLIENT OR FIDUCIARY RELATIONSHIP
Your use of our services does not establish an attorney-client, fiduciary, or any other professional relationship between you and Debt Compass Navigators, LLC. Any legal or financial advice should be obtained from a qualified professional.8. PRIVACY POLICY
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.
9. THIRD-PARTY LINKS AND AFFILIATE SERVICES
Our website and communications may contain links to third-party websites and services. We do not endorse, control, or assume responsibility for the content or practices of any third-party site. Your interactions with any third party, including Affiliates, are solely at your own risk.10. MODIFICATIONS TO TERMS
We reserve the right to modify or update these Terms and Conditions at any time. Continued use of our services after changes have been posted constitutes your acceptance of the updated terms.
11. TERMINATION
We reserve the right to terminate or suspend access to our services at our discretion, without notice, for any reason, including but not limited to violation of these Terms and Conditions.
12. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which you reside, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, and you waive your right to participate in a class action lawsuit.13. CONTACT INFORMATION
If you have any questions regarding these Terms and Conditions, you may contact us at:Debt Compass Navigators, LLC
Debt Compass Navigators, LLC
4885-A McKnight Road Suite 282
Pittsburgh, PA 15237
By using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
Services Not Available To Residents Of:
IL, KS, OR, TN, UT and WV.
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Disclaimer: Debt Compass Navigator, LLC dba My Debt Compass operates as a consulting and referral service designed to assist individuals in evaluating and identifying tailored strategies to address their financial concerns. My Debt Compass relies on the expertise of its affiliate's trained and knowledgeable specialists, many of whom hold relevant licenses and extensive experience, to provide personalized guidance to clients.
While My Debt Compass does not directly provide debt settlement, legal, financial, or tax advice, nor does it assume debts, make payments to creditors, or act as a lending institution, creditor, or debt collector, it offers consultations to help clients assess their financial situations and explore suitable options. Recommendations and outcomes may vary based on individual circumstances and the decisions made by the client. Clients are encouraged to consult with licensed tax, legal, or financial professionals to fully understand the broader implications of any chosen strategy.
My Debt Compass operates as an independent affiliate of CuraDebt.com and may receive compensation for referring clients who enroll in CuraDebt's debt relief programs. CuraDebt.com is a nationally recognized debt relief company that provides settlement and financial assistance services. My Debt Compass does not manage, oversee, or control CuraDebt’s programs, policies, or operations and is not responsible for the actions, advice, or outcomes of any third-party services. Participation in certain financial programs may impact credit scores, involve collections activity, or result in other financial consequences.
By utilizing the services of My Debt Compass, clients acknowledge and agree that My Debt Compass functions solely as a consulting and referral entity. Clients accept full responsibility for reviewing and understanding all terms, conditions, and disclosures associated with any programs they choose to engage in. Use of My Debt Compass’s services constitutes agreement to these terms.