Last Updated: September 2026

1. INTRODUCTION – CONTRACTUAL NATURE OF TERMS

Please read these Terms of Use (“Terms”) carefully before using any online services, including our website, online services, software, applications, and other digital services (collectively, the “Service”) provided by Consumer Credit Counseling LLC (“Company,” “we,” “us,” or “our”).

By visiting, accessing, or otherwise using the Service in any manner, you agree to be bound by these Terms and any applicable Additional Terms. These Terms are contractual in nature and govern your use of the Service.

You acknowledge and agree to our data practices, including the collection, use, and disclosure of information as described in our Privacy Policy.

These Terms may affect your legal rights and responsibilities, including limitations of liability, indemnification obligations, and dispute-resolution provisions.

If you do not agree to these Terms or any applicable Additional Terms, please do not use the Service.

Additional Terms

Certain portions or features of the Service may be subject to additional or different terms (“Additional Terms”). If there is a conflict between these Terms and any applicable Additional Terms, the Additional Terms will control with respect to the applicable feature or service unless expressly stated otherwise.

Eligibility

The Service is intended for individuals who are residents of the United States, the District of Columbia, and applicable U.S. territories and possessions, and who are at least eighteen (18) years of age.

By using the Service, you represent that you are at least eighteen (18) years old and are legally capable of agreeing to these Terms.

Unauthorized use of the Service, including unauthorized access to our systems, misuse of passwords, or misuse of Service information, is strictly prohibited.

If you violate these Terms or any other agreement between you and Consumer Credit Counseling LLC, we may restrict, suspend, or terminate your access to all or part of the Service without notice, subject to applicable law.

2. OWNERSHIP AND YOUR RIGHTS TO USE THE SERVICE AND CONTENT

2.1 Ownership

The Service and all content available through it, including information, text, graphics, photographs, audio, video, software, data, compilations, music, sounds, code, user interfaces, visual interfaces, logos, designs, layouts, and other materials (“Content”), may be owned or controlled by Consumer Credit Counseling LLC, its licensors, or other third parties.

All rights, title, and interest in the Content and related intellectual property are protected by applicable U.S. and international intellectual property laws.

You may not copy, redistribute, reproduce, publish, modify, or otherwise use Content except as expressly permitted by these Terms or applicable Additional Terms.

Your use of the Service does not give you ownership of any Content or intellectual property.

2.2 Your Rights to Use the Service and Content

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, personal, non-transferable, revocable right to access and use the Service for lawful, personal, and non-commercial purposes.

You may:

1. View and use Content on a computer, mobile device, or other permitted internet-enabled device and print one copy of Content for your personal use.
2. Download and use software or applications that we make available through the Service solely as permitted by these Terms.
3. Create a personal account if account registration is made available.
4. Link to our Service from another website provided the link does not imply unauthorized affiliation, sponsorship, endorsement, or partnership with Consumer Credit Counseling LLC.
5. Use other functionality expressly provided by us through the Service.

Any rights granted under these Terms automatically terminate if you violate these Terms or applicable Additional Terms.

2.3 Rights of Others

You must respect the intellectual property and other rights of Consumer Credit Counseling LLC and third parties.

Unauthorized use of Content may violate applicable laws and may result in civil or criminal liability.

2.4 Reservation of Rights

Except for the limited rights expressly granted under these Terms, all rights in the Service and Content are reserved by Consumer Credit Counseling LLC, its licensors, and applicable third parties.

2.5 Third-Party Services

The Service may contain links to or integrations with third-party websites, applications, platforms, tools, advertisements, or services (“Third-Party Services”).

We do not control and are not responsible for Third-Party Services or their content, policies, products, or practices.

Your use of Third-Party Services may be subject to separate terms and privacy policies. We encourage you to review those policies before using third-party services.

2.6 Third-Party Financial Data Services

Where applicable, Consumer Credit Counseling LLC may use third-party financial technology or data providers to assist with financial information collection, verification, account connectivity, or related Services.

When you choose to connect a financial account through a third-party provider, you authorize the applicable provider to access and transmit the information necessary to provide the requested service.

Your use of a third-party financial data service is also subject to that provider’s applicable terms and privacy policy.

3. OUR COMMUNICATIONS WITH YOU

We may communicate with you using contact information you provide to us to provide information about our Services, respond to inquiries, provide customer support, or communicate other information that may be relevant to your relationship with us.

3.1 Consent to Communications

By submitting your contact information to Consumer Credit Counseling LLC, you may consent to receive communications from us by telephone, text message, email, or other available communication methods, subject to applicable law.

Consent to receive promotional communications is not a condition of purchasing our Services.

3.2 Telephone Calls

Where permitted by applicable law, communications from us may include telephone calls, automated telephone dialing systems, prerecorded messages, artificial or AI-generated voice technologies, and other automated communication technologies.

You may withdraw consent to promotional communications as described below.

3.3 SMS/MMS Text Messages

If you opt in to receive text messages from Consumer Credit Counseling LLC, we may send informational, service-related, account-related, authentication, appointment, and other permitted communications.

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to a message where supported.

After receiving an opt-out request, we may send a confirmation message and stop sending messages associated with that messaging program, subject to applicable legal or operational requirements.

For assistance, reply HELP where supported.

Wireless carriers are not responsible for delayed or undelivered messages.

3.4 Email Communications

You may receive informational, transactional, service-related, or promotional communications from Consumer Credit Counseling LLC by email.

You may unsubscribe from promotional emails by using the unsubscribe instructions contained in the applicable email.

3.5 Opting Out of Communications

You may request to stop receiving promotional calls or emails by contacting:

support@consumercreditcounselingllc.com

Please identify the type of communication you no longer wish to receive.

Your request will become effective after we have had a reasonable opportunity to process it.

You may stop SMS/MMS communications by replying STOP to the applicable message where supported.

Opting out of promotional communications does not prevent us from sending necessary service-related, transactional, legal, security, or other non-promotional communications.

3.6 Chat

We may provide an interactive online chat service (“Chat”) as a convenience to visitors and customers.

The Chat service may not always be available and may contain errors or delays.

Information provided through Chat is intended for general informational and customer-service purposes and does not necessarily constitute a legal agreement, representation, warranty, or guarantee regarding our Services.

3.7 AI and Automated Chat Technologies

The Chat service may include chatbots, virtual assistants, AI systems, automated agents, or similar technologies operated by Consumer Credit Counseling LLC or third-party providers.

Where required by law, we will provide appropriate disclosure regarding the use of automated or AI technologies.

Interactions with these systems may be monitored, recorded, stored, or processed by us or our service providers in accordance with our Privacy Policy and applicable law.

You should not provide unnecessary sensitive information through a chatbot or other public-facing communication channel.

3.8 Recording of Communications

Communications with Consumer Credit Counseling LLC, including telephone calls, video calls, online chats, emails, and text communications, may be monitored, recorded, transcribed, or otherwise processed for purposes such as quality assurance, training, security, compliance, customer service, and business operations.

Where required by applicable law, appropriate notice or consent will be provided.

For more information about our collection and use of personal information, please review our Privacy Policy.

4. CONTENT YOU SUBMIT AND COMMUNITY USAGE RULES

4.1 User-Generated Content

We may allow users to submit or publish content through the Service, including comments, reviews, ratings, questions, suggestions, photographs, videos, messages, information, and other materials (“User-Generated Content” or “UGC”).

You generally retain ownership rights that you may have in your UGC, subject to the rights granted to Consumer Credit Counseling LLC under these Terms and applicable law.

4.2 Non-Confidentiality of UGC

Unless otherwise provided by our Privacy Policy or applicable law, you understand that UGC submitted to public or community portions of the Service may be treated as non-confidential.

You should not submit confidential, financial, account, Social Security, payment-card, or other sensitive information through public areas of the Service.

The Internet and electronic communications may not be completely secure, and you submit UGC at your own risk.

4.3 License to Consumer Credit Counseling LLC

By submitting UGC through the Service, you grant Consumer Credit Counseling LLC a non-exclusive, worldwide, royalty-free license to use, reproduce, display, distribute, modify, adapt, publish, and otherwise use the UGC as reasonably necessary to operate, promote, improve, and administer the Service, subject to applicable law and our Privacy Policy.

You represent that you have the necessary rights and permissions to submit the UGC and grant the rights described in these Terms.

4.4 Management of UGC

We may, but are not required to, review, monitor, remove, reject, modify, or refuse to publish UGC.

We may take such action when we believe content is unlawful, abusive, threatening, obscene, misleading, infringing, inappropriate, or otherwise violates these Terms or applicable law.

4.5 Representations Regarding UGC

When submitting UGC, you represent and warrant that:

• You have the necessary rights to submit the content.
• The content is accurate to the best of your knowledge.
• The content does not infringe the rights of another person or entity.
• The content does not violate applicable law.
• The content does not contain malicious code.
• You have obtained any necessary permissions from individuals appearing in the content.
• Your submission does not violate these Terms.

4.6 Community Usage Rules

When using any community or interactive portion of the Service, you agree that you will not:

• Harass, threaten, abuse, stalk, or harm another person.
• Post defamatory, obscene, sexually explicit, or unlawful content.
• Impersonate another person or organization.
• Submit fraudulent, deceptive, or materially misleading information.
• Upload content that infringes intellectual property rights.
• Collect personal information from other users without authorization.
• Post spam, unsolicited advertising, or unauthorized solicitations.
• Promote unlawful activities.
• Upload viruses, malware, spyware, Trojan horses, or other malicious code.
• Disclose another person’s sensitive personal information without proper authorization.
• Use the Service to conduct unauthorized commercial or political activities.
• Otherwise violate these Terms or applicable law.

4.7 Interactions With Other Users

You are solely responsible for your interactions with other users.

Consumer Credit Counseling LLC is not responsible for the conduct or content of users.

We may, but are not required to, monitor or become involved in disputes between users.

5. SERVICE AND CONTENT USE RESTRICTIONS

You agree that you will not:

1. Use the Service for unlawful purposes.
2. Use the Service to harm, harass, threaten, or defraud another person.
3. Attempt to gain unauthorized access to the Service or related systems.
4. Circumvent security features or access controls.
5. Interfere with the operation of the Service.
6. Introduce malicious code or harmful technologies.
7. Harvest or collect personal information about other users without authorization.
8. Use robots, spiders, scrapers, crawlers, or automated tools to collect or copy Content except where expressly permitted.
9. Reverse engineer, decompile, disassemble, or attempt to discover source code or underlying algorithms except where applicable law expressly permits such activity.
10. Frame or reproduce the Service in a manner that suggests unauthorized affiliation.
11. Modify, reproduce, distribute, sell, lease, or commercially exploit Content without authorization.
12. Use our trademarks, logos, or other intellectual property without permission.
13. Violate these Terms or applicable Additional Terms.

We may suspend, restrict, or terminate access to the Service or any portion of it at any time, subject to applicable law.

6. CREATING AN ACCOUNT

If account registration is available, you are responsible for maintaining the confidentiality and security of your login credentials.

You are responsible for activity occurring under your account unless caused by circumstances for which you are not legally responsible.

You agree to:

• Provide accurate and current registration information.
• Keep your username and password confidential.
• Not share your account with unauthorized persons.
• Notify us promptly if you believe your account has been compromised.
• Not sell, transfer, or assign your account.

For account-security concerns, contact:

support@consumercreditcounselingllc.com

Accounts may only be created by individuals who are legally authorized to create them and who meet the applicable age requirements.

7. PROCEDURE FOR ALLEGING COPYRIGHT INFRINGEMENT

Consumer Credit Counseling LLC respects intellectual property rights.

If you believe that content available through our Service infringes your copyright, you may submit a written DMCA copyright infringement notice.

7.1 DMCA Notice

A copyright infringement notice should include:

1. A subject line identifying the communication as a “DMCA Copyright Infringement Notice.”
2. Identification of the copyrighted work claimed to have been infringed.
3. Identification of the allegedly infringing material and sufficient information for us to locate it.
4. Your full name and contact information.
5. A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or applicable law.
6. A statement made under penalty of perjury that the information in the notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
7. Your electronic or physical signature.

7.2 DMCA Contact

DMCA notices may be submitted electronically to:

support@consumercreditcounselingllc.com

We may remove or disable access to allegedly infringing material where appropriate and permitted by applicable law.

We may also notify the person who submitted the allegedly infringing material and may provide that person with the information contained in the notice as permitted by law.

7.3 Counter-Notification

If material you submitted is removed or access to it is disabled because of a copyright infringement notice, and you believe the removal resulted from mistake or misidentification, you may submit a DMCA Counter-Notification.

A counter-notification should include the information required by applicable copyright law, including identification of the material, a statement made under penalty of perjury, your contact information, required jurisdictional consent, and your signature.

Counter-notifications may be submitted to:

support@consumercreditcounselingllc.com

We may restore material in accordance with applicable law and may forward a counter-notification to the original complaining party.

8. NOTICES, QUESTIONS AND CUSTOMER SERVICE

We may provide notices to you by email, through the Service, or through another reasonable method of communication.

For questions regarding these Terms or our Services, please contact:

Consumer Credit Counseling LLC

Email: support@consumercreditcounselingllc.com

9. ARBITRATION AND DISPUTE TERMS

We value our relationship with customers and website visitors and encourage you to contact us first if you have a concern or dispute.

Where permitted by applicable law and unless an exception applies, certain disputes between you and Consumer Credit Counseling LLC may be resolved through individual arbitration rather than in court.

9.1 Mandatory Arbitration

To the extent legally enforceable, disputes that cannot be resolved informally may be resolved through private, individual arbitration.

This may mean that, to the extent permitted by law, you and the Company waive certain rights to have a dispute decided by a judge or jury or to participate in a class action.

An arbitrator may generally award the same types of individual damages and relief that a court could award under applicable law.

Nothing in this Arbitration Agreement is intended to waive rights that cannot legally be waived.

9.2 Definitions

“We,” “us,” “our,” and “Company” mean Consumer Credit Counseling LLC and its applicable affiliates, successors, assigns, officers, directors, employees, agents, representatives, contractors, and service providers.

“You” and “your” mean the individual or entity using the Service or asserting a claim.

“Claim” means any dispute, claim, or controversy arising out of or relating to your relationship with Consumer Credit Counseling LLC, your use of the Service, communications with us, our Services, our use of information, or these Terms, to the maximum extent permitted by law.

9.3 No Class Actions; Individual Relief Only

To the extent permitted by applicable law, disputes subject to arbitration shall be resolved on an individual basis.

Neither you nor Consumer Credit Counseling LLC may participate in a class action, collective action, representative action, or consolidated proceeding concerning a covered Claim, except where such waiver is prohibited by applicable law.

An arbitrator may provide relief only to the individual party seeking relief and only to the extent necessary to resolve that individual’s Claim.

9.4 Informal Dispute Resolution

Before initiating arbitration, you agree to first contact Consumer Credit Counseling LLC and provide an opportunity to resolve the dispute informally.

Your written notice should include:

• Your full name.
• Contact information.
• A description of the dispute.
• Relevant dates and facts.
• The relief you are requesting.
• Any supporting information reasonably necessary to evaluate the dispute.

Please send dispute notices to:

support@consumercreditcounselingllc.com

We may contact you to discuss the matter and attempt to reach a mutually satisfactory resolution.

9.5 Arbitration

If a dispute cannot be resolved informally, arbitration may proceed in accordance with applicable federal and state law and the applicable rules of the selected arbitration administrator.

The arbitration process may differ from court proceedings, including with respect to discovery, evidence, and appeals.

Nothing in this section limits any right or remedy that cannot lawfully be limited or waived.

9.6 Governing Law

Except where federal law controls or where otherwise required by applicable law, these Terms will be interpreted under the laws applicable to the relationship between you and Consumer Credit Counseling LLC, without regard to conflict-of-law principles.

9.7 Severability

If any provision of this Arbitration Agreement is found invalid or unenforceable, the remaining provisions will remain effective to the maximum extent permitted by applicable law.

10. DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

The Service may rely on internet services, software, platforms, and third-party technologies that are outside our direct control.

While we make reasonable efforts to provide accurate and current information, we do not guarantee that all descriptions, information, content, or other materials available through the Service are complete, accurate, current, or error-free.

We may correct errors, update information, or modify or discontinue portions of the Service at any time.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND CONTENT ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS.

Consumer Credit Counseling LLC disclaims warranties, express or implied, to the fullest extent permitted by applicable law, including warranties of merchantability, fitness for a particular purpose, non-infringement, title, and uninterrupted or error-free operation.

Nothing in this section excludes or limits liability that cannot legally be excluded or limited.

11. LIMITATIONS OF OUR LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CONSUMER CREDIT COUNSELING LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, AND OTHER RELATED PARTIES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE SERVICE OR CONTENT.

This may include, without limitation, loss of profits, loss of data, business interruption, or other indirect losses.

These limitations apply regardless of the legal theory asserted and even if we were advised that such damages might occur, except to the extent prohibited by applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE WILL NOT EXCEED THE GREATER OF $25 OR THE AMOUNT YOU PAID TO CONSUMER CREDIT COUNSELING LLC FOR THE SERVICE GIVING RISE TO THE CLAIM.

Some jurisdictions do not permit certain limitations of liability. Where such limitations are not permitted, they will apply only to the maximum extent permitted by law.

Nothing in these Terms limits liability that cannot legally be limited or waived.

12. UPDATES TO THESE TERMS

We may update or modify these Terms from time to time.

When we make changes, we may update the “Last Updated” date at the beginning of these Terms.

Your continued use of the Service after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by law.

If you do not agree to revised Terms, you should discontinue use of the Service.

13. GENERAL PROVISIONS

13.1 Company Consent or Approval

Where these Terms require our consent or approval, such consent must be provided by an authorized representative of Consumer Credit Counseling LLC.

13.2 Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Consumer Credit Counseling LLC and its related parties from claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from or relating to:

• Your use of the Service.
• Your violation of these Terms.
• Your violation of applicable law.
• Your User-Generated Content.
• Your infringement of another person’s rights.
• Your fraudulent or misleading conduct.
• Your misuse of the Service.

This provision does not limit any rights or causes of action that cannot legally be waived.

13.3 Operation of Service

The Service is operated from the United States.

We do not represent that the Service is appropriate or available in every jurisdiction.

If you access the Service from outside the United States, you are responsible for complying with applicable local laws.

13.4 Export Controls

You agree to comply with applicable U.S. and international export-control laws and regulations.

You may not use, export, or re-export software or other Service materials in violation of applicable sanctions or export restrictions.

13.5 Severability and Interpretation

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be modified or severed to the minimum extent necessary, and the remaining provisions will continue in effect to the maximum extent permitted by law.

13.6 Investigations, Cooperation With Law Enforcement, and Termination

To the extent permitted by law, Consumer Credit Counseling LLC may investigate suspected violations of these Terms, security incidents, fraudulent activity, or unlawful conduct.

We may cooperate with law enforcement and government authorities where legally required or reasonably necessary.

We may suspend or terminate access to the Service, including user accounts, when appropriate and subject to applicable law.

Termination does not eliminate obligations that by their nature should survive termination, including provisions relating to intellectual property, indemnification, disclaimers, limitations of liability, dispute resolution, and applicable governing law.

13.7 Assignment

Consumer Credit Counseling LLC may assign its rights or obligations under these Terms as part of a merger, acquisition, corporate restructuring, sale of assets, or other business transaction.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent, except where otherwise permitted by applicable law.

13.8 Complete Agreement; No Waiver

These Terms, together with any applicable Additional Terms and our Privacy Policy, constitute the agreement governing your use of the Service.

They supersede prior communications or agreements concerning your use of the Service to the extent permitted by law.

Failure to enforce any provision does not constitute a waiver of that provision or any other right.

Any waiver or modification must be made in writing by an authorized representative of Consumer Credit Counseling LLC unless otherwise permitted by applicable law.

Contact Us

If you have questions regarding these Terms of Use, our Services, or related policies, please contact:

Consumer Credit Counseling LLC

Email: support@consumercreditcounselingllc.com