Terms of Service

Last updated: April 25, 2026

These Terms of Service ("Terms") govern your access to and use of debthitman.com (the "Site") operated by DebtHitman ("we," "our," or "us"). By accessing or using the Site, you agree to be bound by these Terms.

1. Educational Information Only — Not Legal or Financial Advice

IMPORTANT: The information, tools, templates, and resources on this Site are provided for educational and informational purposes only. They do not constitute legal, financial, tax, or professional advice. We are not a law firm, financial advisor, tax preparer, or credit counselor. No attorney-client, fiduciary, or professional relationship is created by your use of this Site.

Debt collection laws, consumer protection laws, and credit reporting laws vary by federal, state, and local jurisdiction. The information on this Site reflects general principles and may not apply to your specific situation. You should consult a licensed consumer-protection attorney, financial advisor, certified credit counselor, or tax professional before taking any action based on information from this Site.

2. Letter Templates and Tools

The Site provides letter templates (debt validation letters, HIPAA letters, settlement requests, dispute letters, etc.) and interactive tools (action plan generator, calculators) for your personal use. You acknowledge:

Templates are general and may need modification for your specific situation
Use of these templates does not guarantee any specific outcome
Sending letters based on these templates does not waive your rights or obligations under any law
You should review templates with a licensed attorney before sending in connection with a lawsuit, complex situation, or large dollar amount

3. No Guarantee of Results

Outcomes from debt-removal tactics vary based on individual circumstances, applicable laws, the actions of creditors and collectors, and many factors beyond our control. We do not guarantee:

That a specific debt will be removed or reduced
That a credit score will improve
That a creditor or collector will respond in any particular way
That a tactic described on the Site will be successful in your specific case

4. Acceptable Use

You agree to use the Site lawfully and not to:

Use the Site to harass, defraud, or threaten anyone
Submit false information through our tools or contact form
Attempt to gain unauthorized access to the Site or related systems
Scrape, copy, or reproduce Site content without authorization (except for your personal use)
Use the Site's templates or tools to engage in unlawful debt-collection practices
Use the Site if you are a debt collector seeking to circumvent FDCPA

5. Intellectual Property

All Site content (including text, graphics, logos, templates, code, and tools) is the property of DebtHitman or licensed to us, and is protected by copyright and other intellectual property laws. You may use Site content for your personal, non-commercial use including:

Reading and learning from articles
Using letter templates for your own debt situations
Using the action plan tool for your own debts
Sharing links to articles via social media or email

You may NOT:

Republish Site content on other websites without permission
Sell Site templates or tools
Remove copyright or attribution notices
Use Site content for commercial purposes (consulting, paid services) without written permission

6. Third-Party Links and Services

The Site may link to third-party websites, services, or resources. We do not endorse and are not responsible for the content, policies, or practices of third-party sites. Use third-party services at your own risk and review their terms and policies.

7. Advertising

The Site displays advertising served by third parties (including Google AdSense). We do not control the specific ads shown and are not responsible for the content of ads, the products or services advertised, or any transaction you enter into with an advertiser. The presence of an advertisement does not constitute our endorsement of the advertiser or its products.

8. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION.

We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site is free of viruses or harmful components.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEBTHITMAN AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF YOUR USE OF THE SITE SHALL NOT EXCEED FIFTY DOLLARS ($50).

10. Indemnification

You agree to indemnify, defend, and hold harmless DebtHitman and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any rights of any third party.

11. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona.

12. Changes to Terms

We may modify these Terms at any time. Modified Terms will be posted on the Site with an updated "Last updated" date. Continued use of the Site after modifications constitutes acceptance of the modified Terms.

13. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect.

14. Contact

For questions about these Terms, contact us at:

Email: legal@debthitman.com
DebtHitman
[Mailing address]