Welcome to Faith Based Debt Assistance. By accessing or using our website (the “Site”) and our services, you agree to be bound by these Terms of Service (“Terms”). Please read them carefully. If you do not agree to these terms, please do not use our Site.

1. Nature of Services Faith Based Debt Assistance operates as a marketing and referral platform. Our primary function is to provide educational resources regarding debt relief and to connect users with qualified third-party debt relief providers, counselors, and financial service specialists.

Important Notice: Faith Based Debt Assistance is not a debt settlement company, a lender, a credit repair company, or a law firm. We do not negotiate debt directly with creditors, lend money, or provide legal advice. We connect you with licensed partners who may negotiate on your behalf to resolve your financial obligations.

2. Eligibility By using this Site, you represent that:

• You are at least 18 years of age.

• You are a resident of the United States.

• The information you provide is accurate, current, and complete.

3. No Guarantee of Results While we strive to connect you with reputable partners with a history of success, Faith Based Debt Assistance does not guarantee:

• That you will be accepted into any specific debt relief program.

• That your debts will be reduced by a specific percentage or amount.

• That your credit score will not be impacted by entering a debt relief program.

• Individual results vary based on the types of debt, the creditors involved, and the specific program you choose with a third-party provider.

4. Consent to Contact By submitting your information through our “Get Started” or “Free Assessment” forms, you provide your express written consent for Faith Based Debt Assistance and our network of partners (including CuraDebt) to contact you via telephone, email, or text message (SMS) regarding debt relief options.

• This consent applies even if your number is on a State or Federal Do Not Call Registry.

• You may opt out of these communications at any time by following the “Unsubscribe” instructions provided in our communications.

5. Intellectual Property All content on this Site—including text, graphics, logos, and “DIY Stewardship Tools”—is the property of Faith Based Debt Assistance and is protected by copyright and trademark laws. You may use our resources for personal, non-commercial use only.

6. Third-Party Links and Services Our Site contains links to third-party websites (such as Compassion International, World Vision, and our debt relief partners). We do not control these websites and are not responsible for their content, privacy policies, or terms of use. Your interaction with any third party found through our Site is solely between you and that third party.

7. Limitation of Liability To the maximum extent permitted by law, Faith Based Debt Assistance and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Site or the services provided by third-party partners.

8. Disclaimer of Warranties This Site and its content are provided on an “as-is” and “as-available” basis. We make no warranties, expressed or implied, regarding the accuracy or reliability of the information provided. While our mission is rooted in faith-based values, we make no legal claim that our financial resources constitute professional “spiritual” or “legal” counseling.

9. Governing Law These Terms shall be governed by and construed in accordance with the laws of the State in which Faith Based Debt Assistance is headquartered, without regard to its conflict of law provisions.

10. Changes to These Terms We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to this page. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.