TERMS AND CONDITIONS


Welcome to My Debt Navigator. By accessing or using our services, you agree to the following terms and conditions. Please read them carefully. Please read them carefully.

1. Scope of Services

My Debt Navigator acts solely as a ambassadors for various debt solutions programs and does not provide these services directly. My Debt Navigator makes no guarantees or warranties, express or implied, regarding the outcomes or results of any debt solutions program. Participation in such programs should not be considered a substitute for professional financial, legal, or tax advice.

2. User Responsibility

By using our services, you are responsible for reading, understanding, and agreeing to the terms and conditions of the program you enroll in. Ensure that any program is suitable for your specific circumstances.

3. Limitations of Services

My Debt Navigator does not assume any debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. We are not a lending institution, creditor, or debt collector. Availability of our services may vary based on state laws and regulations, and fees may also vary accordingly. We highly recommend consulting with a tax professional to understand the potential tax implications of less-than-full balance debt resolution.

4. Professional Advice

My Debt Navigator is not a substitute for professional financial, legal, or tax advice. We strongly recommend consulting with professionals in these fields to understand the full implications of participating in any debt solutions program.

5. Impact on Credit

Participation in debt solutions services can adversely affect your credit score. You may be subject to collections, and in some cases, you may be sued by creditors or collectors. My Debt Navigator is indemnified of any liability for the actions and results of the carriers and acts solely as an ambassadors. We strongly recommend that all materials and disclosures relating to the debt solutions program are thoroughly read and understood before enrollment. Your use of these services signifies your understanding and acceptance of these terms.

6. Communication

My Debt Navigator or parties calling on behalf of My Debt Navigator, their ambassador partners, or authorized other parties on their behalf may contact you (including through automated means) regarding debt solutions and financial services or other credit-related offers via telephone, mobile device (including SMS and MMS), and/or email, even if your telephone number is currently listed on any state, federal, local, or corporate Do Not Call list.

7. Results Disclaimer

Results may vary and are not guaranteed. Each individual's financial situation is unique, and outcomes will depend on various factors including, but not limited to, the amount of debt, the client's ability to make payments, and the specific terms of the debt solutions program.

8. Disputes

All communication, agreements, and services are strictly between the client and the service provider. My Debt Navigator does not intervene or mediate in disputes between clients and debt solutions providers.

9. Credit Checks

My Debt Navigator does not perform credit checks and does not make decisions regarding the acceptance or denial of clients by debt solutions programs. The decision to accept a client into a program is made solely by the debt solutions provider based on their own criteria and processes.

10. Legal Compliance

My Debt Navigator complies with all applicable state and federal laws. Your use of this website and our
referral services constitutes your acceptance of this disclaimer and your agreement to hold My Debt Navigator harmless from any claims or damages that may arise from your participation in any debt solutions program.

11. Amendments

We reserve the right to amend these terms and conditions at any time. Any changes will be posted on this page and will take effect immediately upon posting.

Customized Landing Pages: My Debt Navigator and My Tool Box Pro are separate companies, operating independently and bearing no liability for each other’s services or outcomes. While My Tool Box Pro is the preferred technology and CRM provider, ambassadors and ambassadors are not required to use their services. As a courtesy, My Debt Navigator has waived both the one-time setup fee for a customized landing page and the $98/month subscription fee for the first 12 months for all active ambassadors recruited by Aspire or BCC. This waiver is available only to new incoming ambassadors and does not apply to returning ambassadors, downgraded ambassadors, or reinstated memberships. Those returning or reinstating after a downgrade will be responsible for all applicable setup and subscription charges.

Terms of service

By opting in, you will receive important updates, appointment reminders, and occasional marketing messages related to debt solutions and financial assistance.

You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS.

Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected]. Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

For privacy-related inquiries, please refer to our privacy policy: https://mydebtnavigator.com/debt-privacy-policy

Contact Information


If you have any questions about these Terms and Conditions, please contact us at:
[email protected]

Address: 1308 Coffeen, Sheridan, WY 82101