TERMS OF USE

Last Updated: September 16, 2026

Welcome to FreshlyDebtFree.com.

These Terms of Use (“Terms”) govern your access to and use of FreshlyDebtFree.com (the “Website”), operated by Freshly Debt Free (“Freshly Debt Free,” “Freshly,” “we,” “us,” or “our”).

By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. PURPOSE OF THE WEBSITE

Freshly Debt Free provides educational information designed to help consumers better understand potential approaches to managing debt and related financial circumstances.

Information presented on the Website may discuss subjects including debt resolution or settlement, consolidation loans, credit counseling, bankruptcy, home equity-related options, and other financial topics.

The inclusion of an option on the Website does not constitute a recommendation that the option is appropriate for you.

2. FRESHLY DEBT FREE IS AN INFORMATION AND CONNECTION PLATFORM

Unless expressly stated otherwise, Freshly Debt Free does not itself provide debt settlement, debt negotiation, credit counseling, lending, bankruptcy representation, legal services, tax services, or other professional financial services.

Freshly Debt Free may connect consumers who request additional information with independent third-party providers.

Those providers are independent businesses and are solely responsible for their products, services, representations, eligibility decisions, contracts, fees, performance, and compliance obligations.

Submitting a form through Freshly Debt Free does not create a client, attorney-client, lender-borrower, fiduciary, or other professional relationship with Freshly Debt Free.

3. NO FINANCIAL, LEGAL, TAX, OR CREDIT ADVICE

Information provided on the Website is for general educational and informational purposes only.

Nothing on FreshlyDebtFree.com constitutes individualized financial, investment, legal, tax, bankruptcy, accounting, or credit advice.

Financial circumstances differ substantially between consumers. You should consider obtaining advice from an appropriately qualified professional before making significant financial or legal decisions.

4. NO GUARANTEE OF ELIGIBILITY OR RESULTS

Freshly Debt Free does not guarantee that:

You will qualify for any particular program;
A creditor will agree to settle or modify a debt;
Your debt will be reduced by a particular amount;
Your monthly payments will decrease;
Interest or fees will stop accruing;
Collection activity will stop;
Your credit score will improve;
Your credit score will not decline;
You will avoid lawsuits, collections, judgments, or other creditor actions;
You will obtain a loan or particular interest rate;
You will become debt-free within a particular period; or
Any particular financial strategy will produce a specific result.

Results depend on individual circumstances and, where applicable, the practices and decisions of independent third parties and creditors.

5. DEBT RELIEF INVOLVES RISKS

Certain debt-relief strategies may involve significant financial consequences.

Depending on the program and circumstances, consumers may be asked or choose to stop making payments directly to creditors while accumulating funds for potential settlements.

This may result in continued interest or fees, collection activity, negative credit reporting, creditor calls, or potential legal action.

Creditors are not required to negotiate or accept settlement offers.

Forgiven or canceled debt may also have tax consequences in some circumstances.

Consumers should carefully review the specific disclosures, terms, fees, risks, and expected timelines provided by any company offering a debt-relief service before enrolling.

6. THIRD-PARTY PROVIDERS

Freshly Debt Free may introduce or refer consumers to independent third-party providers.

A connection or referral does not constitute a guarantee, endorsement, or representation that a particular provider or service is appropriate for every consumer.

Before enrolling in any program, you should independently review the provider, its credentials or registrations where applicable, its agreement, fees, disclosures, privacy practices, and cancellation policies.

Freshly Debt Free is not responsible for the acts, omissions, representations, services, or products of independent third-party providers except to the extent otherwise required by applicable law.

7. INFORMATION YOU PROVIDE

You agree that information you voluntarily submit through the Website will be accurate to the best of your knowledge.

You agree not to:

Impersonate another person;
Submit another person's information without authorization;
Provide fraudulent or intentionally misleading information;
Attempt to interfere with Website security or functionality;
Use automated systems to abuse Website forms; or
Use the Website for unlawful purposes.

8. COMMUNICATIONS

If you provide contact information and affirmatively provide the applicable consent, you may receive communications regarding your inquiry from Freshly Debt Free and/or third parties identified or described at the point where consent is obtained, subject to applicable law.

Consent to receive marketing communications is not a condition of purchasing goods or services where prohibited by law.

The specific consent language presented when you submit your information governs the communications authorized by that submission.

9. WEBSITE INFORMATION

We make reasonable efforts to provide useful and accurate information, but financial products, laws, regulations, eligibility standards, creditor policies, and industry practices can change.

We do not warrant that all Website content will always be complete, current, or applicable to every consumer.

10. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Website's branding, design, graphics, written content, logos, and other original materials are owned by or licensed to Freshly Debt Free and are protected by applicable intellectual property laws.

You may use the Website for personal, noncommercial purposes.

You may not reproduce, distribute, sell, modify, republish, or commercially exploit Website content without permission except as permitted by law.

11. THIRD-PARTY LINKS

FreshlyDebtFree.com may contain links to independent third-party websites.

Those websites are governed by their own terms and privacy policies. Freshly Debt Free does not control and is not responsible for third-party websites or their content.

12. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

FRESHLY DEBT FREE MAKES NO WARRANTY THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR SUITABLE FOR EVERY USER'S PARTICULAR PURPOSE.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FRESHLY DEBT FREE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR YOUR DEALINGS WITH INDEPENDENT THIRD PARTIES.

Nothing in these Terms limits liability that cannot lawfully be limited.

14. INDEMNIFICATION

To the extent permitted by applicable law, you agree to be responsible for losses or claims resulting from your unlawful misuse of the Website or intentional violation of these Terms.

15. GOVERNING LAW

These Terms are governed by applicable federal law and, except where another jurisdiction's law must apply, the laws of the State of California, without regard to conflict-of-law principles.

16. CHANGES TO THESE TERMS

We may update these Terms periodically.

The updated version will be posted on the Website with a revised “Last Updated” date.

Your continued use of the Website following an update constitutes acceptance of the revised Terms to the extent permitted by law.

17. SEVERABILITY

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

18. CONTACT

Questions regarding these Terms may be directed to:

Freshly Debt Free
info@freshlydebtfree.com

TERMS OF USE

Last Updated: September 16, 2026

Welcome to FreshlyDebtFree.com.

These Terms of Use (“Terms”) govern your access to and use of FreshlyDebtFree.com (the “Website”), operated by Freshly Debt Free (“Freshly Debt Free,” “Freshly,” “we,” “us,” or “our”).

By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. PURPOSE OF THE WEBSITE

Freshly Debt Free provides educational information designed to help consumers better understand potential approaches to managing debt and related financial circumstances.

Information presented on the Website may discuss subjects including debt resolution or settlement, consolidation loans, credit counseling, bankruptcy, home equity-related options, and other financial topics.

The inclusion of an option on the Website does not constitute a recommendation that the option is appropriate for you.

2. FRESHLY DEBT FREE IS AN INFORMATION AND CONNECTION PLATFORM

Unless expressly stated otherwise, Freshly Debt Free does not itself provide debt settlement, debt negotiation, credit counseling, lending, bankruptcy representation, legal services, tax services, or other professional financial services.

Freshly Debt Free may connect consumers who request additional information with independent third-party providers.

Those providers are independent businesses and are solely responsible for their products, services, representations, eligibility decisions, contracts, fees, performance, and compliance obligations.

Submitting a form through Freshly Debt Free does not create a client, attorney-client, lender-borrower, fiduciary, or other professional relationship with Freshly Debt Free.

3. NO FINANCIAL, LEGAL, TAX, OR CREDIT ADVICE

Information provided on the Website is for general educational and informational purposes only.

Nothing on FreshlyDebtFree.com constitutes individualized financial, investment, legal, tax, bankruptcy, accounting, or credit advice.

Financial circumstances differ substantially between consumers. You should consider obtaining advice from an appropriately qualified professional before making significant financial or legal decisions.

4. NO GUARANTEE OF ELIGIBILITY OR RESULTS

Freshly Debt Free does not guarantee that:

You will qualify for any particular program;

A creditor will agree to settle or modify a debt;

Your debt will be reduced by a particular amount;

Your monthly payments will decrease;

Interest or fees will stop accruing;

Collection activity will stop;

Your credit score will improve;

Your credit score will not decline;

You will avoid lawsuits, collections, judgments, or other creditor actions;

You will obtain a loan or particular interest rate;

You will become debt-free within a particular period; or

Any particular financial strategy will produce a specific result.

Results depend on individual circumstances and, where applicable, the practices and decisions of independent third parties and creditors.

5. DEBT RELIEF INVOLVES RISKS

Certain debt-relief strategies may involve significant financial consequences.

Depending on the program and circumstances, consumers may be asked or choose to stop making payments directly to creditors while accumulating funds for potential settlements.

This may result in continued interest or fees, collection activity, negative credit reporting, creditor calls, or potential legal action.

Creditors are not required to negotiate or accept settlement offers.

Forgiven or canceled debt may also have tax consequences in some circumstances.

Consumers should carefully review the specific disclosures, terms, fees, risks, and expected timelines provided by any company offering a debt-relief service before enrolling.

6. THIRD-PARTY PROVIDERS

Freshly Debt Free may introduce or refer consumers to independent third-party providers.

A connection or referral does not constitute a guarantee, endorsement, or representation that a particular provider or service is appropriate for every consumer.

Before enrolling in any program, you should independently review the provider, its credentials or registrations where applicable, its agreement, fees, disclosures, privacy practices, and cancellation policies.

Freshly Debt Free is not responsible for the acts, omissions, representations, services, or products of independent third-party providers except to the extent otherwise required by applicable law.

7. INFORMATION YOU PROVIDE

You agree that information you voluntarily submit through the Website will be accurate to the best of your knowledge.

You agree not to:

Impersonate another person;

Submit another person's information without authorization;

Provide fraudulent or intentionally misleading information;

Attempt to interfere with Website security or functionality;

Use automated systems to abuse Website forms; or

Use the Website for unlawful purposes.

8. COMMUNICATIONS

If you provide contact information and affirmatively provide the applicable consent, you may receive communications regarding your inquiry from Freshly Debt Free and/or third parties identified or described at the point where consent is obtained, subject to applicable law.

Consent to receive marketing communications is not a condition of purchasing goods or services where prohibited by law.

The specific consent language presented when you submit your information governs the communications authorized by that submission.

9. WEBSITE INFORMATION

We make reasonable efforts to provide useful and accurate information, but financial products, laws, regulations, eligibility standards, creditor policies, and industry practices can change.

We do not warrant that all Website content will always be complete, current, or applicable to every consumer.

10. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Website's branding, design, graphics, written content, logos, and other original materials are owned by or licensed to Freshly Debt Free and are protected by applicable intellectual property laws.

You may use the Website for personal, noncommercial purposes.

You may not reproduce, distribute, sell, modify, republish, or commercially exploit Website content without permission except as permitted by law.

11. THIRD-PARTY LINKS

FreshlyDebtFree.com may contain links to independent third-party websites.

Those websites are governed by their own terms and privacy policies. Freshly Debt Free does not control and is not responsible for third-party websites or their content.

12. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

FRESHLY DEBT FREE MAKES NO WARRANTY THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR SUITABLE FOR EVERY USER'S PARTICULAR PURPOSE.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FRESHLY DEBT FREE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR YOUR DEALINGS WITH INDEPENDENT THIRD PARTIES.

Nothing in these Terms limits liability that cannot lawfully be limited.

14. INDEMNIFICATION

To the extent permitted by applicable law, you agree to be responsible for losses or claims resulting from your unlawful misuse of the Website or intentional violation of these Terms.

15. GOVERNING LAW

These Terms are governed by applicable federal law and, except where another jurisdiction's law must apply, the laws of the State of California, without regard to conflict-of-law principles.

16. CHANGES TO THESE TERMS

Freshly Debt Free
info@freshlydebtfree.com