Terms of Service

Welcome to NoNoDebt (“we”). By using our website NoNoDebt.com (“Site”) and Service, you agree to be bound by these Terms of Service (“Terms”), Privacy Policy and any disclosures posted on the Site which together constitute a legally binding agreement between a user of the Site (“you” or “user”) and us (“Agreement”) regarding your use of the Site and Service. If you disagree with any part of the Agreement, please don't use our Site or Service.

We can change the Agreement at any time. We will notify you of any changes by posting the revised document on the Site, or by other reasonable means. If you continue to use the Site or our Service after we make changes, you accept the updated Terms. Check the “Last Updated” date at the top of each document to see when the Terms were last changed.

THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. THESE PROVISIONS REQUIRE YOU TO ARBITRATE ANY DISPUTES OR CLAIMS YOU HAVE WITH US ON AN INDIVIDUAL BASIS. YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR MULTI-ARBITRATION. YOU HAVE THE RIGHT TO OPT OUT OF THIS REQUIREMENT.

Our Service is only for U.S. residents of legal age. By accessing this Site and using our Service, you confirm that:

• You are at least 18 years old, reside in the U.S. and possess the legal capacity to enter into this Agreement.
• You agree to use our Service solely for your personal, non-commercial purposes.

We handle your data in accordance with applicable privacy laws, including but not limited to GLBA, FCRA, CCPA/CPRA where applicable, and our Privacy Policy. While we strive to ensure the privacy and security of your information, we do not control the privacy practices of any Marketing Partners. We strongly encourage you to review their privacy policies independently.

We operate a website (the “Site”) that helps users find personal-finance solutions and related services (each, a “Solution”) based on information the user provides on the Site or our affiliates' websites, or that we obtain from third parties (the “Service”). Based on the information we obtain about you, we, at our sole discretion, determine which Solutions may be relevant to you and may:

• Redirect you to a Marketing Partner's website,
• Provide you with a link to a Solution, or
• Share your information with a Marketing Partner (via API or other means) so that they may contact you directly regarding their Solution.

Please note that we do not guarantee that you will be approved for or able to obtain any Solution. Final eligibility and approval decisions are made solely by the relevant Marketing Partner. By using our Service, you agree to provide only true, accurate, and complete information. You must not misrepresent your identity, impersonate any third party, or submit information on behalf of anyone else. We are not responsible for verifying the accuracy of the information you provide.

Compensation and Transparency

Our Service is free of charge to you. However, we receive financial compensation from our Marketing Partners in exchange for connecting you with them, sharing your information with them, and/or marketing their Solutions to you.

For the purpose of this Agreement, “Marketing Partners” means, collectively, third-party service providers, lenders, financial product aggregators, facilitators, agents, brokers, advertising networks, and other entities with whom we have a business relationship to market, offer, provide, or facilitate personal-finance-related products or services. This includes both (a) entities that receive your information directly from us to present you with offers, and (b) their own designated partners and service providers who may subsequently receive your information for the purpose of determining eligibility for, marketing of, or providing Solutions to you.

This compensation allows us to offer our Service at no cost to you and supports our business operations. Please note that the compensation we receive may influence what offers appear on our Site, but it does not affect the objectivity of our informational content. Additionally, we and our Marketing Partners may send you marketing communications or contact you—including via email, or direct mail regarding Solutions you expressed interest in or that we deem relevant to you. We may share your contact details or other personal information with our Marketing Partners so they can contact you directly.

For more details on how we share your information with Marketing Partners, and the compensation we receive, please review our Advertising Disclosure. We also explain the personal information we collect, how we use it, and your rights in our Privacy Policy. By using the Service, you confirm that you have read, understood, and agreed to our Advertising Disclosure and Privacy Policy and acknowledge that they are fair and reasonable.

Not a Provider: We are not a lender, creditor, debt relief service provider, credit repair company, financial advisor, broker, agent, government program or representative of any such entity. We do not make credit decisions, loan prequalifications, or debt settlement offers, and we do not provide any financial service, advice, or counseling.

Our Role:Our Site is an independent, algorithmic matching service. Our primary purpose is to connect you with third-party Marketing Partners who may offer personal-finance-related products or services (“Solutions”) that align with the information you provide. These Solutions may include personal loans, lines of credit, debt relief programs, debt consolidation offers, credit cards, credit repair services, cash advances, buy now pay later (BNPL) plans, auto title loans, and other financial products.

No Guarantees

• We do not guarantee that you will be approved for, or will obtain, any Solution. All final eligibility and approval decisions are made solely by the Marketing Partners based on their internal criteria.
• We do not endorse or recommend any specific Marketing Partner or Solution.
• We do not validate or investigate the licensing, certification, accreditation, or other qualifications of any Marketing Partners. It is your responsibility to investigate any provider before engaging with them or signing any agreement.
• We make no representations or guarantees about the terms, rates, quality, or suitability of any Solutions offered by Marketing Partners you connect with through our Site. You are solely responsible for evaluating all offers and their terms and conditions.

Your financial decisions are your responsibility. While we offer a service for finding you a Solution, we don't take responsibility for the choices or actions you make based on the information we provide or Solutions we found for you.

Key Points to Consider

• Carefully examine all terms and conditions of any Solution offer, including the APR, fees, repayment schedule, and potential consequences of default, before committing to any Solution.
• Compare multiple options before making a decision.
• Consult qualified financial advisors or professionals for personalized advice tailored to your situation.

The information we provide is intended for general knowledge and isn't a replacement for professional financial advice. We don't take responsibility for any losses, costs, damages, or claims that may result from your use of any Solution, including any fees they charge. You agree that you're relying on your own judgment and any advice you receive when choosing a Solution.

Specific Product Limitations & Risks

• Personal Loans/Line of Credit:Lenders in our network may offer loans within a range of amounts $200 – $5,000, but not all lenders offer the maximum amount. Rates and terms vary by lender.
• Auto Title Loans:These are short-term loans that use your vehicle's title as collateral. They carry a high risk of repossession of your vehicle if you are unable to repay the loan according to its terms.
• Buy Now Pay Later (BNPL): BNPL plans are not loans but may involve credit agreements. Failing to make payments on time can result in late fees, interest charges, and negative impacts on your credit score.
• Cash Advances: These are typically short-term, high-cost loans. They often have extremely high-interest rates and fees compared to other forms of credit.
• Debt Relief: Debt relief and settlement companies do not provide loans. Their programs typically require you to stop paying creditors and instead make monthly deposits into a dedicated account, which may have negative impacts on your credit score and may subject you to collections efforts or lawsuits by creditors. Results are not guaranteed, and fees may apply.
• Credit Repair: Credit repair companies cannot guarantee the removal of accurate information from your credit report. You have the right to dispute credit report inaccuracies yourself for free.

This list of products and their associated risks is provided for illustrative purposes and is not exhaustive. The Solutions presented to you may include other financial products not listed here. You are solely responsible for evaluating the risks, terms, and suitability of any Solution presented by a Marketing Partner.

Service availability: We operate in all states, however, not all products or services are available in every state, and eligibility varies by jurisdiction and partner policies. Residents of some states may not be eligible for certain Solutions due to specific state legislation. We strongly encourage you to confirm service availability and terms directly with any specific provider before proceeding with any Solution.

By confirming your phone number or email address, you consent to receive marketing communications from us and from Marketing Partners via email, calls and text messages (SMS). These communications may include promotional offers related to loans, credit monitoring, banking, and other financial products. Please note that providing consent to receive marketing communications is not a condition of obtaining any product or service. Message frequency may vary. You may withdraw your consent at any time.

To opt out from emails, click “Unsubscribe” in any marketing email or follow the instructions in the Unsubscribe section (see the site footer). If you no longer wish to receive calls and text messages, reply STOP to 310-340-0791 or any text message or follow the instructions in the Unsubscribe section. Standard message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

With your written authorization, we may obtain your consumer report (e.g., credit score, total debt) from a consumer reporting agency (or via an authorized service provider) to verify identity and assess eligibility for products and services you requested. This inquiry is a soft inquiry and does not affect your credit score. If you choose to apply for a specific product, the relevant Marketing Partner may obtain its own consumer report under the Fair Credit Reporting Act (FCRA) for its decision-making, which may be a hard inquiry and may affect your credit score. We access consumer report information only for permissible purposes and retain your authorization on file.

We and our Marketing Partners require your consent to conduct transactions electronically, including using electronic signatures and receiving electronic communications, to facilitate your online request and enable the provision of a Solution.

By providing your information and submitting a request to be connected with Marketing Partners via our Service you consent to conduct transactions and sign electronic contract documents, including this Agreement, using electronic signatures, as well as receive disclosures, records and other communications electronically in accordance with our E-Consent Terms and Conditions. You agree that all agreements, notices, disclosures and other communications that we or Marketing Partners provide to you electronically satisfy any legal requirement that such communications be in writing.

You acknowledge and agree to avoid the following activities, which are expressly prohibited, when using our Site and Service:

• Providing false or misleading information, including impersonating another individual or falsely claiming employment with an organization.
• Submitting information on behalf of another individual.
• Attempting to circumvent security measures, including unauthorized access to accounts, testing system vulnerabilities, or breaching security protocols to access restricted information.
• Copying or stealing proprietary materials, including designs, media, graphics, code, and products, with the exception of permitted documents such as this Agreement, Privacy Policy, or other related documentation.
• Utilizing computer programs to collect information from our Site.
• Interfering with Site functionality or disrupting other users, including accessing unauthorized information, transmitting viruses, overloading the system, sending spam, or engaging in other disruptive behaviors.
• Utilizing our Site or Service for unsolicited email communications, including promotional emails or advertisements.
• Tampering with email headers or other transmitted information via our Site or Service.
• Attempting to modify, reverse-engineer, decompile, disassemble, or decipher any source code used in the Site or Service.

Engaging in any of these activities may result in suspension of Site and Service access, account termination, and potential legal action.

Our Site may contain links to external websites, including those of Marketing Partners. Your use of any external websites linked from our Site is entirely at your own risk. We do not endorse, control, monitor, or assume any responsibility for the content, practices, or services offered by these third-party websites, including but not limited to those of our Marketing Partners. We make no representations or warranties regarding the accuracy, completeness, reliability, legality, or safety of any information, content, or services provided on these external sites.

You are solely responsible for evaluating and verifying the credibility, legitimacy, and suitability of any third-party websites and their offerings before engaging with them. These third-party websites have their own terms of use, privacy policies, and fee structures. We encourage you to carefully review these policies before using their services.

All content on this Site, including text, images, graphics, logos, and software, is solely owned by us and/or our licensors. Your use of the Site does not grant you ownership rights or licenses to any content, trademarks, or other intellectual property displayed on the Site. We grant you a non-exclusive, limited right to use the Site solely for the purpose of accessing the Service and exercising the rights provided to you under this Agreement.

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND OUR SERVICE ON THE SITE IS AT YOUR OWN RISK. WE PROVIDE THE SITE AND THE SERVICE ON AN “AS IS” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY THAT THE SITE OR OUR SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. WE MAKE NO WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, OUR SERVICE OR ANY SOLUTIONS YOU FIND THROUGH OUR SERVICE.

WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A CREDITOR, BROKER, FINANCIAL SERVICE PROVIDER, OR OTHER SIMILAR SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH PROVIDERS AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT OR SOLUTIONS PROVIDED BY SUCH PROVIDERS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY OF GOOD FAITH OR REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES OR NOTICE GIVEN TO US, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICE.

This includes, but is not limited to, any disputes, decisions, agreements, or outcomes arising from your interactions or relationships with any Marketing Partner connected to you through our Site or Service. We are not responsible for loan approvals, terms, repayment obligations, or any other action or inaction by a Marketing Partner.

OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES SHALL NOT EXCEED $100.00. YOU AGREE THAT THIS LIMITATION REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF OUR AGREEMENT. Some jurisdictions do not allow limitations on implied warranties or the exclusion of certain damages. If these laws apply to you, some or all of the above limitations may not apply.

Without limiting any other indemnification provisions in this Agreement, you agree to defend, indemnify, and hold us harmless (along with our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors, and assigns—collectively, the “Indemnified Parties”) from and against any and all claims, actions, demands, causes of action, liabilities, damages, costs, or expenses (including legal costs and attorneys' fees) arising out of or relating to: (a) your breach of this Agreement, including any warranties or representations made herein; (b) your use of the Site or Service in violation of this Agreement; (c) disputes, claims, or liabilities resulting from your interactions with any Marketing Partner, including, but not limited to, issues with Solutions, terms, or payments; (d) your violation or alleged violation of any federal, state, or local laws or regulations; (e) any claim alleging that content or data you provide infringes a third party's intellectual property rights.

The Indemnified Parties reserve the right to participate in any defense you provide, at their own expense, but are not obligated to do so. You may not settle any claim without the prior written consent of the relevant Indemnified Parties.

The Site, Service, and this Agreement, including without limitation this Agreement's interpretation, shall be treated as though this Agreement were executed and performed in Las Vegas, Nevada and shall be governed by and construed in accordance with the substantive laws of the State of Nevada without regard to its conflict of law principles. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.

PLEASE READ THIS SECTION CAREFULLY. It requires you to resolve most disputes through individual arbitration and waives the right to a jury trial and to participate in a class or representative action.

• A. Informal Resolution First. Before filing any claim, you agree to try to resolve the dispute in good faith. Send a written notice describing the dispute and the relief sought to contact@nonodebt.com. If we cannot resolve it within 60 days after receipt, either party may commence arbitration (or, if eligible, a small-claims action).
• B. Agreement to Arbitrate.Except for the exceptions in this Section, any dispute, claim, or controversy between you and us arising out of or relating to the Site, Services, or these Terms (a “Dispute”) will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The Federal Arbitration Act (FAA) governs the interpretation and enforcement of this Arbitration Agreement.
• C. Procedures, Location, Fees. The arbitrator will conduct hearings by video or phone unless the arbitrator requires an in-person hearing. If an in-person hearing is required, it will take place in the state of Nevada (or another location you and we agree to). The AAA rules will govern the payment of filing, administration, and arbitrator fees; we will pay any fees that the AAA rules require us to pay.
• D. Small-Claims Court Option.Either party may bring an individual action in small-claims court instead of arbitration if the claim is within that court's jurisdiction.
• E. Class-Action Waiver. Arbitration will be conducted only on an individual basis. No class, collective, consolidated, private-attorney-general, or representative actions are permitted.
• F. Public-Injunctive Relief (California McGill Carve-Out). To the extent a claim for public injunctive relief under California law cannot lawfully be compelled to individual arbitration or waived, such a claim shall be brought in court (not arbitration).
• G. “Poison-Pill” if Class Waiver Is Unenforceable. If the Class-Action Waiver (Section E) is found unenforceable as to a particular claim or request for relief, then this entire Arbitration Agreement is unenforceable as to that claim or request, and such claim or request must proceed in court (not arbitration).
• H. Opt-Out. You may opt out of this Arbitration Agreement by sending an email to contact@nonodebt.com with your name, the email/phone you used on the Site, and a statement that you are opting out, within 30 days of the date you first accepted these Terms containing this Arbitration Agreement.
• I. Delegation. The arbitrator (and not any court) shall have the exclusive authority to resolve threshold arbitrability issues, except that a court (not the arbitrator) will decide the enforceability of the Class-Action Waiver (Section E) and the Public-Injunctive Relief carve-out (Section F).
• J. Severability; Survival. Except as stated in Section G, if any part of this Arbitration Agreement is found unenforceable, the remainder will remain in effect. This Arbitration Agreement survives termination of the Services and your relationship with us.

This Agreement together with all Disclosures, E-Consent and Credit Authorization and any consent, acknowledgement, confirmation, or authorization given on our Site constitutes the entire agreement between you and us concerning your use of the Site and Service. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. You and we are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement.

Any questions, requests, or notices must be sent via email at contact@nonodebt.com.