Effective Date: January 13, 2026

Welcome to DebtOptionsUSA.com, a division of Edgemark Holdings, LLC. (“Website,” “we,” “our,” or “us”). By accessing or using this Website, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use this Website.

1. Purpose of the Website

DebtOptionsUSA.com is an independent consumer education and referral website. The Website provides general informational content regarding debt relief, debt management, and related financial topics.

We are not a lender, law firm, debt settlement company, or credit counseling agency. We do not provide financial, legal, or credit advice.

2. No Professional Advice

All information provided on this Website is for general educational purposes only and should not be construed as professional advice.

You should consult qualified financial, legal, or tax professionals regarding your specific situation before making any financial decisions.

3. Third-Party Services and Referrals

This Website may connect users with independent third-party service providers who offer debt relief, debt management, or related services.

- We do not control, endorse, or guarantee the services of third-party providers

- We are not responsible for the actions, representations, or outcomes of any third-party provider

- Any agreements entered into are solely between you and the third-party provider

We may receive compensation from third-party providers for referrals.

4. No Guarantees or Promises

We make no representations or guarantees regarding:

Eligibility for any program

Reduction of debt amounts

Timelines for completion

Impact on credit

Outcomes or results

Results vary based on individual circumstances and provider terms.

5. User Responsibilities

By using this Website, you agree that:

- Information you provide is accurate and truthful

- You will not use the Website for unlawful purposes

- You will not attempt to disrupt or interfere with Website operations

We reserve the right to restrict or terminate access for violations of these terms.

6. Intellectual Property

All content on this Website, including text, graphics, logos, and layout, is the property of DebtOptionsUSA.com or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or modify any content without prior written consent.

7. Disclaimer of Warranties

This Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, or availability of the Website or its content.

8. Limitation of Liability

To the fullest extent permitted by law, DebtOptionsUSA.com shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

- Use or inability to use the Website

- Reliance on information provided

- Interactions with third-party providers

9. Indemnification

You agree to indemnify and hold harmless DebtOptionsUSA.com from any claims, damages, or expenses arising from your use of the Website or violation of these Terms of Use.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the applicable laws of the state in which the Website operator is located, without regard to conflict of law principles.

11. Changes to Terms

We reserve the right to update these Terms of Use at any time. Changes are effective immediately upon posting. Continued use of the Website constitutes acceptance of the revised terms.

12. Contact Information

For questions regarding these Terms of Use, please contact:

DebtOptionsUSA.com
Email: [email protected]