Terms of Service

Effective as of: September 2025

Welcome to our website, www.defenddebt.com (the "Site"). By using this Site, you represent that you are an adult of 18 or more years of age, have the legal capacity to enter a contract, and agree to comply with and be bound by these Terms of Service. Please review these terms and conditions carefully. If you do not agree to these terms and conditions, you are not authorized to use this Site.


This Terms of Service agreement (the "Agreement") governs your access to and use of the Site. This Agreement may be modified at any time by Lead Flow Connect, LLC dba Defend Debt (“Defend Debt”) by posting the modified Agreement to the Site. Any such modifications shall be effective immediately upon posting unless some other effective date is expressly stated. You can view the most recent version of this Agreement at any time at www.defenddebt.com. Your use of this Site shall constitute and be deemed your unconditional acceptance of this Agreement.


Privacy.

Your use of the Site is also governed by our Privacy Policy, which is hereby incorporated into this Agreement. Please review our Privacy Policy at www.defenddebt.com/privacy-policy. Defend Debt reserves the right, and you authorize us to use and assign all information provided by or collected from you in any manner consistent with our Privacy Policy.


Site Content.

The Site is provided on an "as is" basis and may use internet services that are not under our direct control. While we strive to provide accurate descriptions of our services, we do not guarantee that the descriptions, pricing, or other content on the Site are accurate, complete, or current. Defend Debt assumes no responsibility (and expressly disclaims responsibility) for updating the Site to keep information current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, products, or other matters described on the Site.


We reserve the right to correct errors and to cancel any orders that were placed using incorrect descriptions or pricing. We do not warrant that the Site or its features will be accessible at all times or that it will function in an error free manner. We reserve the right to cease operating the Site or any of its features at any time.


Intellectual Property.

All content on this Site including without limitation graphics, logos, trademarks, images, and software is, and shall continue to be, the property of Defend Debt or its content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use or publication by you of any such content or any part of the Site is prohibited, except as expressly permitted in this Agreement. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Site.


Use of Our Service.

You may only use this Site if you are domiciled in the United States and are 18 years of age or older.


As a condition of your use of the Site, You agree to provide: (i) true, accurate, current and complete information about yourself as required by the Site’s registration form (such data being the “Registration Information and Retainer Agreement”); (ii) maintain and promptly update the Registration Information to keep it accurate, current and complete; and (iii) Defend Debt the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. If you provide any information that is untrue, inaccurate, not current or incomplete, Defend Debt has the right to terminate the user account and refuse any and all current or future use of the Site.


By registering with Defend Debt, you agree that we may use your registration information to (i) provide and improve our services, (ii) customize your user experience, and (iii) send you information about products, services, or special offers that may be of interest to you. You may opt-out of receiving marketing communications from us at any time by following the instructions provided in such communications.


Certification.


YOU MUST BE AT LEAST 18 YEARS OF AGE TO REGISTER, ACCESS AND USE ANY SERVICE PROVIDED BY THIS WEBSITE. IF YOU ARE UNDER THE AGE OF 18, DO NOT USE THIS WEBSITE FOR ANY PURPOSE.


Use of Information


We reserve the right, and you authorize us, to use and assign all information regarding use of the Site by you and all information provided by you in any manner consistent with our Privacy Policy.


Limited License


Subject to the Terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Site in accordance with the terms of this Agreement. We reserve all rights not expressly granted herein and associated content. We may terminate this license at any time for any reason or no reason.


All rights, title, and interest in and to the Site not expressly granted in this Agreement are reserved by the company. Creative content, the Site, and our software, title, trade name, trademark, service mark, logo, domain name and/or any other identification with notable brand features are protected under applicable copyrights, trademarks, and other proprietary rights of the Defend Debt. Except as expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in and to the Site and associated content are retained by us.


Links to other Sites


The Site may provide links to other websites. This Site's Terms of Service or Privacy Policy may not apply to those other websites, which may have their own terms and policies. You should review the terms of use and privacy policies of any other websites that you visit.


Disclaimers of Warranties


THE SITE AND YOUR USE OF THE SITE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR ACCURACY. ADDITIONALLY, WE DO NOT WARRANT THAT THE SITE IS FREE FROM HARMFUL VIRUSES.


WE MAY AMEND OR MODIFY THE SITE AND ASSOCIATED CONTENT WITHOUT NOTICE TO YOU OR ANY LIABILITY TO YOU. YOU USE THE SITE AT YOUR OWN RISK AND YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES.

Limitations of Liabilities

TO THE EXTENT PERMITTED BY APPLICABLE LAW AND NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY, UNDER NO CIRCUMSTANCES WILL DEFEND DEBT, ITS MEMBERS, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SERVICE PROVIDERS, SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY OR REVENUE, DATA OR SERVICES, ARISING OUT OF OR RELATING TO THIS AGREEMENT AND/OR USE OF THE SITE, REGARDLESS OF WHETHER SUCH DAMAGES ARE FORSEEABEL OR WHETHER EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, WHETHER IN AN ACTION IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, ANY LINKED SITE, OR RESULTING FROM A DELAY OR INABILITY TO USE THE SERVICE, SITE OR A LINKED SITE. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A SEPARATE WRITTEN AGREEMENT WITH YOU, DEFEND DEBT SHALL NOT BE LIABLE FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SITE.


You further acknowledge and agree that under no circumstances will Defend Debt be liable in any way for any Site content or Service Provider content, or for any loss or damage of any kind incurred as a result of the use of any Service Provider submitted, accessed, transmitted or otherwise conveyed via the Site. You waive the right to bring or assert any claim against Defend Debt relating to content, Service Provider content, and/or use of the Site and release Defend Debt from any and all liability for or relating to any content, Service Provider content and/or use of the Site.


Indemnity


By using the Site, you agree to defend, indemnify, and hold harmless Defend Debt, its members, affiliates, directors, officers, employees, agents, contractors, successors and assigns (“Indemnified Parties”) from and against any and all losses, claims, damages, costs and expenses (including but not limited to reasonable legal and accounting fees) that Indemnified Parties may incur arising or resulting from your use of the Site, the content of the Site, or your breach of this Agreement. Indemnified Parties reserve the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.


Applicable Law

Governing Law; Venue; Actions. If there is any dispute about or involving the website or the Terms of Service, you agree that any dispute shall be governed by the laws of the State of Wyoming without regard to its conflict of law provisions.


YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE, ANY SERVICE PROVIDED BY THE SITE, OR THE TERMS OF USE MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.


Arbitration

In the event of a dispute or claim related to this Agreement which cannot be amicably resolved by the parties shall be solely and finally settled by arbitration administered by the American Arbitration Association (AAA) under its Commercial Rules. The arbitration shall be conducted by a single arbitrator and take place in Florida. Notwithstanding the foregoing, the parties may attend all arbitration proceedings virtually via video conferencing, unless prohibited from doing so by the applicable arbitration rules then in effect or the selected arbitrator. The expenses of arbitration shall be borne equally by the parties. The award and any order of the arbitrator shall be final and binding on all parties to such arbitration, and judgment thereon may be entered in a court of competent jurisdiction. The arbitrator shall have no power to award non-monetary or equitable relief of any sort or to make an award or impose a remedy that (i) that is inconsistent with this Agreement or (ii) could not be made or imposed by a court deciding the matter in the same jurisdiction. Discovery shall be permitted in connection with the arbitration only to the extent, if any, expressly authorized by the arbitrator upon a showing of reasonable need by the party seeking discovery.


Termination


We may terminate this Agreement at any time, with or without notice, for any reason.


Contact Us


If you have questions about this privacy policy or our privacy practices, please contact us at info @ defenddebtl.com.

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Disclaimer:

Individual results will vary based on your circumstances. If debt resolution ends up being a suitable option for you, we’ll provide you with a tailored estimate of your program. Not all debts are eligible for enrollment. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss tax consequences of settlement. Our

service is not available in all states.


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