DebtDefense

Terms of Service

Last updated July 12, 2026

Effective date: July 12, 2026 [PLACEHOLDER — set the actual effective date before publishing]

These Terms of Service (the "Terms") are a legal agreement between you and DebtDefense [LEGAL ENTITY NAME AND TYPE TO BE CONFIRMED — e.g., DebtDefense, LLC, a Virginia limited liability company] ("DebtDefense," "we," "us," or "our"). They govern your use of the website at debtdefense.app, our document preparation software, our educational articles, and any related services (together, the "Service").

Please read these Terms carefully. They include important limits on what the Service is, what it is not, and what we are responsible for.

1. Acceptance of Terms

By creating an account, making a purchase, or otherwise using the Service, you agree to these Terms. If you do not agree to these Terms, do not use the Service.

If you use the Service, you also agree to our Privacy Policy, which explains how we collect and use information.

2. What DebtDefense Is — and What It Is Not

This section matters more than any other. Read it twice.

DebtDefense is self-help software. The Service provides two things:

  • Educational content. Plain-English articles and explanations that describe, in general terms, how debt collection lawsuits work — for example, what a debt buyer is and what happens when a debt lawsuit is ignored — and plain-English summaries of public documents, such as where published credit card agreements place standard provisions like arbitration clauses and what those provisions typically say. This content is general legal information, not legal advice, and it is never a recommendation about what to do in your case.
  • Document preparation software. Software that assembles court forms and related documents from information you type in. The software works like a smart typewriter: it takes your answers and places them into document templates. You choose what to say, which documents to prepare, and what to do with them.

DebtDefense is NOT a law firm. We are not lawyers. No one at DebtDefense is acting as your lawyer. We do not and cannot:

  • Give you legal advice or tell you what to do in your case;
  • Recommend a specific legal strategy, defense, claim, or course of action for your situation;
  • Review your court filings for legal sufficiency, or advise you whether any document, defense, or option is right for your particular case;
  • Represent you in court, sign documents on your behalf, or communicate with the court, the plaintiff, or anyone else for you;
  • Predict or promise how your case will turn out.

No attorney-client relationship. Using the Service does not create an attorney-client relationship between you and DebtDefense or anyone associated with it. Communications with us are not protected by attorney-client privilege.

You make all decisions. You alone decide whether to respond to a lawsuit, what to include in any document, whether to file anything, and when. The Service presents general information and options that exist under the law; the choice among them is entirely yours. The documents the Service generates are prepared from your inputs — they reflect your decisions, not our judgment.

The Service is not a substitute for a lawyer. Only a licensed attorney can give legal advice about your specific situation. Anyone who wants advice tailored to their own case can consult a licensed attorney in their state; many states offer lawyer referral services and legal aid programs at low or no cost.

3. No Guarantee of Outcome

Legal outcomes depend on the facts of each case, the evidence, the applicable law, the court, the judge, the other side, and many factors outside anyone's control — including ours.

We make no promise, guarantee, or prediction about the outcome of any lawsuit, negotiation, arbitration, or other legal matter. Using the Service does not mean you will win your case, get it dismissed, reach a settlement, or achieve any particular result. Statements on the Service about how cases have historically gone, or about options that exist under the law, are general education — they are not predictions about your case.

4. Eligibility

To use the Service you must:

  • Be at least 18 years old;
  • Be located in the United States and using the Service in connection with a matter in a United States court or forum; and
  • Have the legal capacity to enter into a binding contract.

The Service is designed for individuals preparing documents for their own matters. It is not intended for use by businesses on behalf of others.

5. Accounts and Security

You may need an account to use parts of the Service. When you create an account, you agree to:

  • Provide accurate, current information and keep it up to date;
  • Keep your account secure — sign-in is passwordless, so this means protecting the email account (and any Google account) you use to sign in, and not sharing sign-in links or your account with others;
  • Notify us promptly at [SUPPORT EMAIL — e.g., support@debtdefense.app] if you suspect unauthorized use of your account.

You are responsible for activity that occurs under your account. We may suspend or close accounts that violate these Terms.

6. Purchases, Pricing, and Refunds

One-time document packages. The Service offers document preparation packages for a one-time fee. Prices are shown before you pay. Prices may change, but a change will not affect a purchase you have already completed.

Refund policy. [PLACEHOLDER TERMS — FLAGGED FOR ATTORNEY REVIEW] You may request a full refund within 14 days of purchase, provided you have not downloaded any generated documents. Once documents have been downloaded, the purchase is final and non-refundable, because the product has been delivered. To request a refund, contact [SUPPORT EMAIL].

Payment processing. Payments are processed by third-party payment processors. We do not store full payment card numbers.

7. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose, or to prepare documents containing information you know to be false;
  • Use the Service to harass, defraud, or harm anyone;
  • Attempt to access other users' accounts or data;
  • Probe, scan, or test the vulnerability of the Service, or interfere with its operation;
  • Copy, scrape, resell, or redistribute the Service's content, templates, or software, except as allowed in Section 8;
  • Use the Service to provide document preparation or legal services to third parties, whether or not for a fee;
  • Misrepresent the Service to others as a law firm or a source of legal advice.

Courts require honesty in filed documents. Filing a document that contains knowingly false statements can have serious consequences under court rules and perjury laws. You are solely responsible for the truth and accuracy of the information you enter.

8. Intellectual Property

What we own. DebtDefense owns the Service, including the software, the document templates, the educational articles, the site design, and our trademarks. Except for the limited rights described below, no rights in the Service are transferred to you.

What you own. You own the information you enter into the Service ("your inputs") and the documents the Service generates from your inputs ("your documents"). You may use, print, file, and share your documents for your own personal legal matter without restriction, except as the next sentence describes. You may not resell the templates, use your documents as templates to provide services to others, or remove any notices from the software or site content.

License to operate the Service. You grant us a limited license to store and process your inputs solely to operate the Service for you — for example, to generate your documents and let you download them — consistent with our Privacy Policy.

9. Accuracy Disclaimer

We work to keep the Service's educational content and document templates accurate and current. But:

  • Laws change. Statutes, court rules, forms, filing fees, and deadlines change, and they vary by state, by county, and even by individual courthouse. Content that was accurate when written may become outdated.
  • General information is general. Educational content describes how things typically work. Your court, your case, or your documents may be different.
  • Deadlines are yours to verify. You are responsible for confirming every deadline, filing requirement, fee, and procedural rule with the court handling your case. Court clerks can confirm procedural requirements such as deadlines, fees, and required copies (though they cannot give legal advice either).
  • Documents reflect your inputs. Generated documents are only as accurate as the information you enter. We do not review your inputs for accuracy, completeness, or legal effect.

10. Disclaimer of Warranties; Limitation of Liability

Disclaimer of warranties. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT OR DOCUMENT IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOUR SITUATION.

Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW, DEBTDEFENSE AND ITS OWNERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF MONEY, PROPERTY, LEGAL RIGHTS, OR LEGAL CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE — INCLUDING ANY MISSED DEADLINE, ANY JUDGMENT ENTERED AGAINST YOU, OR ANY OTHER OUTCOME OF ANY LEGAL MATTER — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Some states do not allow certain warranty disclaimers or liability limits, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

11. Dispute Resolution and Governing Law

Governing law. These Terms, and any dispute arising out of or relating to them or the Service, are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-laws rules.

Forum. Any dispute arising out of or relating to these Terms or the Service that cannot be resolved informally will be brought exclusively in the state or federal courts located in [COUNTY/CITY TO BE CONFIRMED — e.g., the City of Richmond], Virginia, and each party consents to the jurisdiction and venue of those courts. Either party may instead bring a qualifying claim in small claims court.

Informal resolution first. Before filing any claim, the party raising the dispute agrees to send a written description of it to the other party (for us, at [SUPPORT EMAIL]) and allow 30 days to try to resolve it informally.

12. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms on this page with a new effective date and, where required by law or where we have your email address, notify you by email or by a notice in the Service. Changes apply prospectively; they do not change the terms of a purchase you already completed. Continued use of the Service after the effective date of updated Terms means you accept the updated Terms.

13. Contact

Questions about these Terms can be sent to:

  • Email: [SUPPORT EMAIL — e.g., support@debtdefense.app]
  • Mail: DebtDefense, [MAILING ADDRESS TO BE CONFIRMED], Virginia

Reminder, one more time, because it is the most important part of this document: DebtDefense is a self-help software product and education library. It is not a law firm, it does not give legal advice, and using it does not create an attorney-client relationship. For advice about a specific case, a licensed attorney in the relevant state is the only source of legal advice.