Terms of Service

By accessing or using DebtHarassed ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

These terms apply to all users, including visitors, registered users, and Pro subscribers.

DebtHarassed provides AI-powered tools to help consumers understand their rights under the Fair Debt Collection Practices Act (FDCPA), including:

• Automated analysis of potential FDCPA violations based on user-provided descriptions • Generation of template legal letters (cease & desist, debt validation, credit bureau disputes) • Case documentation and incident logging • Information about filing complaints with the CFPB and FTC • Referrals to independent FDCPA plaintiff attorneys

CRITICAL DISCLAIMER: DebtHarassed is a technology platform, not a law firm. Nothing on this platform constitutes legal advice, and no attorney-client relationship is created by your use of the Service.

The violation analyses, letters, and information provided by DebtHarassed are for informational purposes only. They are not a substitute for advice from a licensed attorney who understands your specific situation.

Results may vary. A violation flagged by our AI may not succeed in court. A situation our AI does not flag as a violation may still be actionable. Always consult a licensed attorney before taking legal action.

Attorney referrals through DebtHarassed do not create an attorney-client relationship until you and the attorney explicitly agree to representation in writing.

You must be at least 18 years of age to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

You may not share your account with others. You may not use the Service for any purpose other than your own personal legal matters.

We reserve the right to suspend or terminate accounts that violate these terms.

You agree not to:

• Use the Service to file false or fraudulent complaints • Impersonate any person or entity • Use the Service to harass, threaten, or harm any person • Reverse engineer or attempt to extract our AI models or system prompts • Resell or commercialize access to the Service • Use automated tools to scrape or access the Service in bulk • Violate any applicable law or regulation

Violations may result in immediate account termination and, where appropriate, referral to law enforcement.

Free plan: Available to all registered users with usage limits as specified on the pricing page.

Pro plan: $9/month (or as otherwise specified). Billed monthly via Stripe. Includes a 7-day free trial for new subscribers — no charge until the trial ends.

Cancellation: You may cancel at any time via the billing portal in your account settings. Cancellation takes effect at the end of the current billing period. No partial refunds for unused time.

Refunds: We offer refunds within 7 days of initial charge if you are not satisfied. Contact support@debtharassed.com. After 7 days, charges are non-refundable.

We reserve the right to change pricing with 30 days' notice to active subscribers.

DebtHarassed and its content (excluding user-generated content) are owned by DebtHarassed and protected by copyright, trademark, and other laws.

Your case data, incident descriptions, and letters you generate belong to you. You grant us a limited license to process this data to provide the Service.

The FDCPA itself is a United States federal statute and is in the public domain. Our AI-generated analyses and letter templates are original works and are licensed to you for personal use only — not for resale or distribution.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FDCPA.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

Our total liability for any claim arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

We make no warranty that the Service will be error-free, uninterrupted, or that any particular legal outcome will result from using it.

You agree to indemnify and hold DebtHarassed harmless from any claims, damages, or expenses (including legal fees) arising from your use of the Service, your violation of these terms, or your violation of any third-party rights.

These terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Delaware.

You agree to resolve any disputes with DebtHarassed on an individual basis and waive any right to participate in a class action lawsuit or class-wide arbitration.

We may update these terms from time to time. Material changes will be communicated via email at least 30 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the new terms.

For questions about these terms: legal@debtharassed.com

DebtHarassed is not a law firm and cannot provide legal advice. If you need legal assistance, please consult a licensed attorney in your jurisdiction.