Terms & Conditions
Effective Date: July 3, 2026
Welcome to MYDEBTNAVIGATOR LLC ("My Debt Navigator," "we," "our," or "us"). By accessing or using our website, services, or submitting your information through our website, you agree to be bound by these Terms & Conditions. If you do not agree with these Terms, please do not use our website or services.
1. Our Services
My Debt Navigator is an independent referral company that helps consumers explore potential debt relief options by connecting them with third-party service providers.
We do not directly provide debt settlement, debt consolidation, legal representation, tax advice, bankruptcy services, credit repair, financial planning, or lending services.
Any financial products or services are provided solely by independent third-party providers.
2. Eligibility
You must be at least 18 years of age and legally able to enter into binding agreements to use our website or services.
By submitting your information, you represent that all information you provide is true, accurate, and complete.
3. No Professional Advice
The information provided on this website is for general informational purposes only and should not be considered legal, financial, accounting, tax, or investment advice.
You should consult qualified professionals regarding your specific financial circumstances before making any decisions.
4. No Guarantee of Results
Debt relief outcomes vary based on many factors, including your financial situation, debt type, creditor participation, state laws, and provider eligibility requirements.
My Debt Navigator does not guarantee:
Approval for any program
Reduction of debt
Lower monthly payments
Debt forgiveness
Specific savings
Credit score improvements
Any particular financial outcome
Any examples, testimonials, or case studies shown on this website are for illustrative purposes only and are not guarantees of future results.
5. Third-Party Providers
By submitting your information, you authorize My Debt Navigator to share your information with independent third-party providers that may offer services relevant to your inquiry.
You understand that any agreement you enter into with a third-party provider is solely between you and that provider. My Debt Navigator is not responsible for the products, services, actions, fees, or outcomes of any third-party company.
6. Communications Consent
By providing your contact information, you consent to receive communications from My Debt Navigator and, where applicable, participating service providers by telephone, email, and SMS regarding your inquiry.
Calls may be recorded for quality assurance and training where permitted by law.
Consent is not a condition of purchasing any goods or services. Standard message and data rates may apply. You may opt out of marketing communications at any time.
7. Intellectual Property
All content on this website, including text, graphics, logos, images, videos, icons, and other materials, is the property of MYDEBTNAVIGATOR LLC or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, modify, distribute, or commercially use any content without our prior written permission.
8. User Conduct
You agree not to:
Provide false or misleading information.
Attempt to gain unauthorized access to our systems.
Use the website for unlawful purposes.
Interfere with the operation or security of the website.
Upload malicious software or harmful code.
We reserve the right to restrict or terminate access for violations of these Terms.
9. Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
We make no warranties regarding the accuracy, completeness, availability, or reliability of the website or any information provided.
10. Limitation of Liability
To the fullest extent permitted by law, MYDEBTNAVIGATOR LLC shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the website, reliance on information provided, or interactions with third-party service providers.
11. Indemnification
You agree to indemnify and hold harmless MYDEBTNAVIGATOR LLC, its officers, employees, affiliates, and agents from any claims, damages, liabilities, costs, or expenses arising out of your violation of these Terms or your misuse of the website.
12. Privacy
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
13. Changes to These Terms
We reserve the right to update or modify these Terms & Conditions at any time. Changes become effective upon posting to this website. Continued use of the website after changes are posted constitutes your acceptance of the revised Terms.
14. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the applicable laws of the state in which MYDEBTNAVIGATOR LLC operates, without regard to conflict of law principles.
15. Contact Information
If you have any questions regarding these Terms & Conditions, please contact us:
MYDEBTNAVIGATOR LLC
Phone: (888) 311-5439
Email: [email protected]
By using this website, you acknowledge that you have read, understood, and agree to these Terms & Conditions.