1. Introduction

Welcome to My Credit Crisis, owned and operated by My Credit Crisis, LLC ("Company," "we," "us," or "our"). These Terms & Conditions govern your use of this website and our services. By accessing or using this website, you agree to be bound by these terms. If you do not agree, do not use our website.

2. Services & Disclosures

• Marketing & Lead Generation: We are a marketing and lead generation company that connects consumers with third-party debt relief providers.
• No Debt Relief Services: We do not provide debt settlement, consolidation, negotiation, lending, or legal services.
• Third-Party Relationships: We do not control or endorse third-party debt relief providers, their programs, or the results they may achieve.
• Compensation Disclosure: We receive referral fees from debt relief providers when consumers connect with them through our site.

3. User Eligibility & Responsibilities

By using this website, you represent that you:

• Are at least 18 years old and legally capable of entering contracts.
• Will provide accurate information and use our services in good faith.
• Understand that debt relief programs may negatively impact your credit.

Prohibited Use

You may not:

• Misrepresent your identity or submit false information.
• Use the website for fraudulent, illegal, or unauthorized purposes.
• Attempt to interfere with website security or functionality.

4. No Financial, Legal, or Tax Advice

The content on this website is for informational purposes only and should not be considered financial, legal, or tax advice. You should consult a qualified professional before making any financial or legal decisions.

5. Communication & Consent

By providing your contact information, you agree that we or our partners may contact you via phone, email, or SMS. Standard message and data rates may apply. You may opt out by replying "STOP" to any SMS message.

6. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or services. Third-party debt relief providers are responsible for the programs they offer, and we do not guarantee specific results.

7. Indemnification

You agree to indemnify and hold harmless My Credit Crisis, LLC, its affiliates, and employees from any claims, losses, or damages related to your use of this website or any services obtained through third-party providers.

8. Modifications to Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Your continued use of the website constitutes acceptance of any changes.

9. Governing Law & Dispute Resolution

These Terms are governed by the laws of [Insert State]. Any disputes will be resolved through binding arbitration in [Insert State] in accordance with the American Arbitration Association (AAA) rules.

10. Contact Information

For questions regarding these Terms & Conditions, contact us at: support@mycreditcrisis.org

1. Introduction

My Credit Crisis, LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose information when you use this website.

2. Information We Collect

• Personal Information: Name, email, phone number, address, and any details you submit through forms.
• Automatically Collected Information: IP address, browser type, operating system, and usage data.
• Cookies & Tracking Technologies: We use cookies to enhance user experience and analyze website traffic.

3. How We Use Your Information

We use the information we collect to:

• Connect you with third-party debt relief providers.
• Communicate with you regarding our services.
• Improve website functionality and user experience.
• Comply with legal and regulatory obligations.

4. Information Sharing & Third Parties

• We may share your information with third-party debt relief providers if you submit a request for assistance.
• We may share your information with service providers that help us operate our website and marketing efforts.
• We may disclose information as required by law or to protect our legal rights.

5. Your Choices & Opt-Out Rights

• You may opt out of marketing communications by following the unsubscribe instructions in emails or replying "STOP" to SMS messages.
• You can disable cookies in your browser settings, but this may impact website functionality.

6. Data Security

We implement industry-standard security measures to protect your information. However, no method of transmission over the internet is 100 percent secure, and we cannot guarantee absolute security.

7. Third-Party Links & Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date.

10. Contact Information

For questions regarding this Privacy Policy, contact us at: support@mycreditcrisis.org