Terms of Service
Last updated: January 1, 2025
Agreement to Terms
By accessing and using Prime Coverage HQ's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
Description of Services
Prime Coverage HQ provides debt relief consultation and related financial services. We are not a law firm, credit counseling agency, or debt settlement company. We connect consumers with qualified debt relief professionals and service providers.
Important: We do not assume consumer debt, make monthly payments to creditors, or provide legal, tax, bankruptcy, accounting, or credit repair services.
Eligibility and Qualification
- You must be at least 18 years old to use our services
- You must provide accurate and truthful information
- Not all debts are eligible for debt relief programs
- Qualification for specific programs depends on individual circumstances
User Responsibilities
You agree to:
- Provide accurate and complete information
- Maintain the confidentiality of your account information
- Notify us immediately of any unauthorized use
- Comply with all applicable laws and regulations
- Review all materials before enrolling in any program
Financial Disclosures
Important Financial Disclaimers:
- Results vary based on individual circumstances
- No guarantee of specific debt reductions or timelines
- Debt relief programs may negatively impact your credit score
- You may owe taxes on forgiven debt amounts
- Creditors may continue collection efforts during the process
- Not all creditors participate in settlement programs
Communication Consent
By using our services, you consent to receive communications from us and our service providers, including:
- Phone calls (including automated and prerecorded calls)
- Text messages
- Emails
- Marketing communications about our services
Standard message and data rates may apply. You may opt out of marketing communications at any time.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
Prohibited Uses
You may not use our services to:
- Provide false or misleading information
- Violate any applicable laws or regulations
- Harm or attempt to harm other users
- Interfere with the proper functioning of our website
- Access our systems without authorization
Limitation of Liability
To the fullest extent permitted by law, Prime Coverage HQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses.
Disclaimer of Warranties
Our services are provided "as is" without warranties of any kind. We do not guarantee specific outcomes or results from debt relief programs.
Indemnification
You agree to indemnify and hold harmless Prime Coverage HQ from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason including violation of these terms.
Governing Law
These terms are governed by the laws of the United States and the state in which Prime Coverage HQ is incorporated.
Changes to Terms
We may modify these terms at any time. Updated terms will be posted on this page with a new effective date. Your continued use of our services after changes constitutes acceptance of the new terms.
Contact Information
If you have questions about these Terms of Service, please contact us:
Email: [email protected]
Address: Prime Coverage HQ Legal Department