Last Modified: January 29, 2025
Understanding Our Agreement
Welcome to ConsolidationPartner. This Terms of Service Agreement (“Agreement”) represents a legally binding contract between you (“User,” “you,” or “your”) and ConsolidationPartner (“Company,” “we,” “us,” or “our”) regarding your use of our website at https://consolidationpartner.com (“Website”) and all services provided through it.
The Essential Points You Must Know
Before proceeding with our services, you must acknowledge and agree to the following critical requirements:
- You are at least 18 years old and legally capable of entering into binding contracts
- You currently have outstanding debts that you wish to consolidate
- You are a legal resident of the United States
- You possess a regular source of income
- You have a valid checking account
- You will provide accurate and truthful information
- You understand we are not a direct lender
- You agree to receive electronic communications
- You accept our cookie policy (https://consolidationpartner.com/cookie-policy/)
- You understand that debt consolidation may impact your credit score
- You acknowledge that results are not guaranteed
- You agree to mandatory arbitration for disputes
Our Role and Services
ConsolidationPartner operates as a specialized debt consolidation facilitator platform. We connect individuals seeking debt consolidation solutions with appropriate service providers. Our platform analyzes your financial situation and matches you with potential consolidation options. We do not directly provide loans, debt management plans, or financial advice.
Service Operation and Process
When you use our platform, you initiate a multi-step process designed to assess your debt consolidation needs. We collect information about your financial situation, analyze your debt profile, and identify potential consolidation solutions. This process involves sophisticated algorithms and partnerships with various financial service providers.
Electronic Communication Agreement
By using our services, you expressly consent to electronic communication as the primary method of interaction. This includes, but extends beyond, emails and text messages. We may deliver important notices, agreements, disclosures, and other communications electronically. These electronic communications are considered received within 24 hours of being sent to your provided contact information.
Data Usage and Cookie Implementation
Your interaction with our platform generates various types of data. We implement cookies and similar tracking technologies to enhance your experience and improve our services. Our cookie usage practices are detailed in our Cookie Policy at https://consolidationpartner.com/cookie-policy/. By using our services, you consent to our cookie implementation practices.
Financial Information Processing
Credit Report Authorization
By submitting information through our platform, you authorize us and our partners to obtain your credit report information when necessary. This may include soft or hard credit inquiries, which could affect your credit score. We may access your credit information multiple times during the consolidation process.
Information Verification
We maintain the right to verify any information you provide through various methods, including but not limited to credit reports, employment verification, and bank statement analysis. Providing false information may result in immediate termination of services.
User Representations and Warranties
You represent and warrant that all information provided is current, complete, and accurate. You must update any information that changes during your use of our services. False, incomplete, or misleading information will result in immediate service termination and may have legal consequences.
Service Provider Relationships
We maintain relationships with various debt consolidation service providers. These relationships allow us to connect you with appropriate consolidation options. However, we do not guarantee acceptance by any service provider. Each provider maintains independent qualification criteria and approval processes.
Intellectual Property Protection
All content, features, and functionality of our platform constitute our intellectual property. This includes, but is not limited to, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software. Unauthorized use of our intellectual property is strictly prohibited and may result in legal action.
Platform Availability and Maintenance
We strive to maintain consistent platform availability but cannot guarantee uninterrupted access. Regular maintenance, updates, and unforeseen technical issues may cause temporary service interruptions. We reserve the right to modify, suspend, or discontinue any aspect of our services without prior notice.
Financial Results Disclaimer
While we aim to help users achieve their debt consolidation goals, we cannot guarantee specific financial outcomes. Results vary based on numerous factors, including but not limited to credit history, income stability, debt amount, and creditor participation. Individual results may differ substantially from any examples or estimates provided.
Limitation of Liability
Our liability is limited to the maximum extent permitted by law. We are not responsible for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. This includes damages for lost profits, lost data, or business interruption.
Dispute Resolution Process
Any dispute arising from or relating to these Terms shall be resolved through a structured process beginning with informal negotiation. If informal resolution fails, disputes shall proceed to mandatory arbitration. The arbitration shall be conducted by a single arbitrator under the American Arbitration Association rules.
Agreement Modifications
We reserve the right to modify this Agreement at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms. We recommend reviewing this Agreement regularly.
Service Termination Conditions
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of this Agreement. Upon termination, your right to use our services ceases immediately. All provisions of this Agreement that by their nature should survive termination shall survive.
Governing Law Application
This Agreement shall be governed by and construed in accordance with federal laws and the laws of the United States, without regard to its conflict of law provisions. Your use of our services may also be subject to other local, state, and federal laws.
Severability Clause
If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary while preserving the remaining provisions in full force and effect. The remaining provisions shall continue to be valid and enforceable.
Contact Information
For questions regarding these Terms of Service, please contact us at [email protected].
Final Acknowledgment
BY USING CONSOLIDATIONPARTNER’S SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY ALL TERMS AND CONDITIONS IN THIS AGREEMENT. IF YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, YOU MUST NOT USE OUR SERVICES.