These Terms of Service ("Terms") govern your use of friendlydebtrelief.net and the matching services offered by Friendly Debt Relief, a DBA of First Mover, LLC ("Friendly Debt Relief," "we," "us," or "our"). By using our site or services, you agree to these Terms.
1. Our role
Friendly Debt Relief is a marketing service that connects qualifying consumers with licensed third-party debt relief providers. We are not a debt relief provider, a lender, a law firm, a credit counseling agency, or a financial advisor. We do not provide legal, tax, financial, or credit counseling advice. We do not guarantee enrollment with any provider or any specific outcome.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use our service. You must provide accurate and complete information. Providing false information may result in disqualification and, in certain cases, may violate federal or state law.
3. How our service works
When you submit an eligibility check, we may:
- Match you with a licensed debt relief provider in our network
- Share your contact information and self-reported debt details with that provider
- Facilitate the initial introduction
After the introduction, your relationship is with the debt relief provider, not with us. We have no role in the provider's program terms, fees, negotiations, or outcomes.
4. No guarantee of results
We make no guarantee of:
- Enrollment in any program
- Specific savings amounts
- Program timelines
- Creditor cooperation
- Credit score outcomes
- Tax treatment of forgiven debt
Individual results vary. Debt relief programs carry real risks including credit damage, potential creditor lawsuits, and possible tax consequences. You should fully understand these risks before enrolling with any provider.
5. Consent to contact (TCPA)
By providing your telephone number and clicking the consent checkbox on our site, you expressly consent to be contacted by Friendly Debt Relief and the matched debt relief provider at the number provided, including via autodialed and prerecorded calls and text messages. Consent is not a condition of purchase or of receiving our services. Standard message and data rates may apply. You may revoke consent at any time.
6. FCRA consent
If you consent to a soft credit check, you authorize us to obtain a consumer report from one or more credit reporting agencies for the purpose of evaluating your eligibility for debt relief matching. Soft credit checks do not impact your credit score.
7. Website technologies and consent to monitoring
Our website and forms use technologies that record and analyze your interaction with them. These include form certification and session recording services operated by our vendors, which run on our eligibility check pages and generate a certificate at the point of inquiry and again at the point of provider handoff. Depending on the tool, these technologies may capture information such as pages viewed, the sequence and timing of your interactions, mouse movement and keystroke activity within our forms, the information you enter into our forms including your contact details and the debt information you report to us, your IP address, device and browser characteristics, and referring URLs. Some of these technologies are operated by third parties who receive this information directly and may use it in accordance with their own privacy policies.
We use these technologies to document consumer consent, to verify the origin and integrity of the inquiries we receive, to detect fraud and abuse, and to measure and improve our service.
By using our website and forms, you expressly consent to this recording, capture, monitoring, and analysis by us and by our vendors and matched providers, and you authorize us to disclose the resulting records to the debt relief provider you are matched with, to third parties who request verification of your consent, and as otherwise described in our Privacy Policy. This consent is given for purposes including, without limitation, the California Invasion of Privacy Act (California Penal Code sections 630 through 638.55) and any comparable federal or state law. Our Privacy Policy describes the categories of information collected and your rights, including your right to opt out of the sale or sharing of personal information.
8. Prohibited use
You may not:
- Use our service for any unlawful purpose
- Submit information about any person other than yourself
- Attempt to disrupt, reverse engineer, or gain unauthorized access to our systems
- Use our service to collect, scrape, or harvest consumer information for resale or any commercial purpose
9. Intellectual property
All content on friendlydebtrelief.net, including text, graphics, logos, and software, is the property of First Mover, LLC or its licensors and is protected by copyright, trademark, and other laws.
10. Disclaimers
Our service is provided "as is" without warranties of any kind, express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, Friendly Debt Relief and First Mover, LLC are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of our service. Our total liability to you for any claim arising from these Terms or your use of our service is limited to one hundred dollars ($100).
12. Dispute resolution, binding arbitration, and class action waiver
Agreement to arbitrate. You and Friendly Debt Relief agree that any dispute, claim, or controversy arising out of or relating to these Terms, our website, our forms, the technologies described above, or any information we collect, transmit, or disclose, whether based in contract, tort, statute, fraud, or any other legal theory, will be resolved exclusively by final and binding individual arbitration rather than in court. This includes disputes that arose before you accepted these Terms and disputes that arise after your use of the service ends.
Exceptions. Either party may bring an individual claim in small claims court if it qualifies. Either party may seek injunctive relief in court to protect intellectual property or to address unauthorized access to the service.
Rules and forum. The arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by these Terms, before a single arbitrator. Unless the parties agree otherwise, any in-person hearing will be held in the county of your residence, and telephonic or video hearings are permitted. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court decides whether the class action waiver below is enforceable.
Class action waiver. You and Friendly Debt Relief agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, coordinated, private attorney general, or representative proceeding. The arbitrator may not consolidate the claims of more than one person and may not preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and litigated in court, and all remaining claims will proceed in arbitration.
Coordinated filings. If twenty-five or more similar arbitration demands are filed against Friendly Debt Relief by or with the assistance of the same law firm or coordinated group within a ninety-day period, the parties agree the demands will be administered in staged batches of no more than fifty at a time, with the results of each batch informing resolution of the remainder. Filing and arbitration fees for later batches are not incurred until the earlier batches conclude.
Your right to opt out. You may reject this arbitration agreement and class action waiver by sending written notice to Friendly Debt Relief, a DBA of First Mover, LLC, 2108 N St, Ste C, Sacramento, CA 95816, or to support@friendlydebtrelief.net, within thirty days of the date you first accept these Terms. Your notice must include your name, the email address and phone number you provided, and a clear statement that you reject arbitration. Opting out will not affect your use of the service.
Governing law and venue. These Terms and any dispute between you and Friendly Debt Relief are governed by the laws of the State of California, without regard to its conflict of laws principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement above. Where a claim proceeds in court notwithstanding this section, the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Los Angeles County, California.
Survival. This section survives termination of these Terms and your use of the service.
13. Changes
We may update these Terms from time to time. Material changes will be communicated through our website. Your continued use of our service after changes constitutes acceptance of the updated Terms.