MoneySolver Terms of Use

Last Updated May 13, 2026

These Terms of Use (“Terms”) set forth the terms and conditions that apply to your access to and use of all MoneySolver products and services (collectively, the “Services”) made available through our websites, including but not limited to www.moneysolver.org and any related websites, landing pages, mobile applications, or digital platforms operated by MoneySolver (collectively, the “Site”). In these Terms, “MoneySolver,” “we,” “our,” or “us” means MoneySolver, its affiliates, subsidiaries, related entities, successors, and assigns. “You” refers to the individual accessing or using the Services and, if applicable, any entity or organization on whose behalf such individual is acting.

The Services are intended for residents of the United States only and may include, but are not limited to, debt relief services, debt settlement programs, financial education resources, credit-related services, loan and lending referral services, insurance-related services, financial wellness tools, access to third-party offers or rewards programs, platforms that enable users to locate and connect with financial service providers or advisors, tools that enable users to inquire about or pre-qualify for financial products and services.

By accessing or using the Services, you agree to be bound by these Terms, as they may be updated from time to time in accordance with Section 9 below. Because MoneySolver offers a variety of products and services, you may also be asked to review and accept additional or supplemental terms that apply to your use of specific Services or features.

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A MANDATORY ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT APPLY TO ANY DISPUTES BETWEEN YOU AND MONEY SOLVER. BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE PROVISIONS. IF YOU DO NOT AGREE TO THESE TERMS, INCLUDING THE ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, YOU MAY NOT ACCESS OR USE THE SERVICES.

Certain Services may require you to provide information, including credit card, banking, or other financial account details, directly to third-party providers or partners. To learn more about how we collect, use, share, and protect your information, as well as how to manage your privacy preferences or how to opt out, please review our Privacy Policy, including the section titled “How to Exercise Your Rights.”

1. Registration and Account Security

To use our Services, you must (i) be at least eighteen (18) years old; (ii) have not previously been suspended or removed from our Services; and (iii) register for and use our Services in compliance with any applicable laws and regulations.

a) Account Registration. Certain features of the Services may require you to create an account. When registering, we may ask you to provide certain personal and contact information, such as your name, email address, phone number, or other identifying details, and to create login credentials, including a username and password (“Registration Information”). By creating and maintaining an account, you agree to provide information that is accurate, current, complete, and truthful at all times. You further agree not to impersonate another person or entity, falsely represent your affiliation with any individual or organization, provide misleading information, or otherwise conceal your identity from MoneySolver for any purpose.

b) You Are Responsible for Your Account. You are solely responsible for maintaining the confidentiality and security of your password, login credentials, and other Registration Information associated with your account. To help protect your account and the security of our users, you agree not to share your login credentials with anyone. Any activity conducted through your account may be treated as authorized by you. If you believe your account credentials have been lost, stolen, compromised, or used without authorization, you must notify MoneySolver immediately by contacting us at marketingsupport@moneysolver.org.

2. Third-Party Products and Services

a) Information and Advice from Third Parties. Certain Services may include information, recommendations, opinions, or content provided by third parties. You acknowledge and agree that any such information or content is provided solely for general informational, educational, or marketing purposes and does not constitute legal, financial, tax, accounting, medical, or other professional advice from MoneySolver. MoneySolver does not endorse, guarantee, or assume responsibility for any advice, opinions, products, or services offered by third parties. You further acknowledge that you are solely responsible for evaluating and making your own financial and personal decisions, and that MoneySolver is not responsible or liable for any actions, decisions, or outcomes resulting from your reliance on information obtained through the Services or from any third-party provider.

b) Third-Party Products and Services. The Site and Services may allow you to access, apply for, purchase, participate in, or otherwise use products and services offered, operated, or provided by third parties (“Third-Party Services”) through referral relationships, integrations, co-branded offerings, or other arrangements. Although these Third-Party Services may be presented or made available through MoneySolver or moneysolver.org, they are provided solely by the applicable third-party provider (“Third-Party Provider”) and not by MoneySolver or its affiliates.

MoneySolver and its affiliates do not control and are not responsible for the actions, omissions, products, services, policies, or practices of any Third-Party Provider. Accordingly, you acknowledge and agree that MoneySolver shall not be liable for any Third-Party Services, any representations made by Third-Party Providers, or any loss, damage, costs, or claims arising from or related to your use of or reliance upon any Third-Party Services.

Third-Party Services may be modified, suspended, restricted, or discontinued at any time by the applicable Third-Party Provider and may be subject to additional eligibility requirements, limitations, fees, disclosures, and terms and conditions imposed by that provider. Your use of, application for, or participation in any Third-Party Services is subject to the applicable agreements, policies, and terms of the relevant Third-Party Provider.

c) Sharing Information with Third Parties. To access, apply for, receive, or participate in certain Services or Third-Party Services, you may be required to provide sensitive personal or financial information, including but not limited to credit card information, bank account details, insurance information, income and expense data, investment information, financial goals, or other similar information. By using the Services, you authorize MoneySolver and its service providers, vendors, affiliates, and partners to collect, store, process, and transfer such information as necessary to provide the Services or facilitate your interactions with Third-Party Providers, including at your direction and request. Additional information regarding our information practices is available in our Privacy Policy.

You acknowledge and agree that your decision to provide confidential, personal, or financial information to any third party is made at your own discretion and risk. MoneySolver does not control, monitor, or guarantee the privacy, security, or handling practices of any Third-Party Provider and makes no representations regarding how third parties may use, share, store, or disclose your information. Accordingly, MoneySolver is not responsible or liable for the actions, omissions, or data practices of any third party.

With respect to Third-Party Services, you expressly authorize MoneySolver to share and disclose information and content you provide in connection with your request for or use of such Services to the applicable Third-Party Providers. You further acknowledge that Third-Party Providers may share certain information and content with MoneySolver in connection with your use of their products or services, and MoneySolver may use such information in accordance with these Terms and our Privacy Policy.

d) MoneySolver Does Not Control or Endorse Third Parties. The Services may contain links to, integrations with, or referrals to third-party websites, platforms, products, or services (“Third-Party Sites”). These Third-Party Sites are provided solely for your convenience and informational purposes. MoneySolver does not own, operate, control, monitor, or endorse any Third-Party Sites or Third-Party Services and makes no representations or warranties regarding their content, products, services, policies, security, or practices.

You acknowledge and agree that MoneySolver has not reviewed all materials, content, advertisements, information, products, or services made available through Third-Party Sites and is not responsible for the legality, availability, accuracy, completeness, reliability, or appropriateness of any such materials or services. Your interactions with Third-Party Sites and Third-Party Providers are solely between you and the applicable third party.

Accordingly, MoneySolver shall not be responsible or liable, directly or indirectly, for any damages, losses, claims, liabilities, or other harm arising from or related to your access to, use of, or reliance upon any Third-Party Sites or Third-Party Services.

3. Prohibited Conduct

You agree that you will not, directly or indirectly:

a) Use the Services or Site for any unlawful purpose or in violation of any applicable local, state, federal, or international law, regulation, or ordinance;

b) Infringe upon, misappropriate, or otherwise violate the rights of any third party, including intellectual property, privacy, publicity, or proprietary rights, or encourage others to do so;

c) Post, upload, transmit, or distribute any material or content that is unlawful, false, misleading, defamatory, obscene, abusive, harassing, threatening, discriminatory, hateful, pornographic, or otherwise objectionable or inappropriate, as determined by MoneySolver in its sole discretion;

d) Circumvent, disable, damage, or otherwise interfere with the security, integrity, or proper functioning of the Services, Site, or related systems and networks;

e) Interfere with or disrupt the operation of the Services or the experience of any other user, including by transmitting viruses, malware, spyware, worms, harmful code, unsolicited communications, spam, or unauthorized advertising, or by attempting to collect or harvest personal information without proper authorization or consent;

f) Access, scrape, monitor, copy, extract, or collect data, content, or information from the Site or Services using robots, crawlers, spiders, scripts, automated tools, data mining techniques, or similar methods, or use any portion of the Services in connection with artificial intelligence, machine learning, model training, or similar automated systems without MoneySolver’s prior written consent;

g) Engage in fraudulent, deceptive, or misleading conduct, including impersonating another individual or entity, falsely claiming affiliations, accessing another user’s account without authorization, or providing false or inaccurate personal information;

h) Copy, reproduce, distribute, license, sell, lease, rent, transfer, assign, publicly display, modify, create derivative works from, or otherwise exploit any portion of the Services except as expressly permitted by these Terms;

i) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, or underlying technology of the Services, except to the limited extent expressly permitted under applicable law and only with prior written authorization from MoneySolver; or

j) Transfer, resell, sublicense, or otherwise provide access to the Services or your account rights to any other individual or entity without MoneySolver’s prior written consent.

4. Intellectual Property and User Content

The Services, Site, and all related content, materials, software, functionality, text, graphics, logos, designs, and other intellectual property are protected by applicable copyright, trademark, and other intellectual property laws. Except as expressly permitted by MoneySolver in writing, no portion of the Services may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, modified, or otherwise exploited in any form or by any means.

All trademarks, service marks, trade names, logos, and branding displayed through the Services are the property of MoneySolver or their respective owners. Nothing in these Terms grants you any right or license to use any trademarks, service marks, or branding without prior written permission from the applicable owner.

You represent and warrant that you own or otherwise have all necessary rights, permissions, and authority to submit, upload, post, or transmit any information, content, materials, or communications through the Services.

If you believe that any content available through the Services infringes your copyright or other intellectual property rights, you may submit a notice to MoneySolver at:

MoneySolver
7159 Corklan Drive
Suite 150
Jacksonville, FL 32258

Or email marketingsupport@moneysolver.org

Please provide the following information with your notice:

A physical or electronic signature of the copyright owner or a person authorized to act on the owner’s behalf.
A description of the copyrighted work or intellectual property you claim has been infringed.
A description of the allegedly infringing material and its location on the Services.
Your name, address, telephone number, and email address.
A statement that you have a good faith belief that the disputed use is not authorized by the rights owner, its agent, or the law; and
A statement, made under penalty of perjury, confirming that the information provided in your notice is accurate and that you are the owner of the copyright or are authorized to act on behalf of the copyright owner.

By submitting, uploading, posting, transmitting, or otherwise providing any content, information, materials, communications, or feedback in connection with the Services (“Content”), you grant MoneySolver and its affiliates, service providers, contractors, and subcontractors a worldwide, royalty-free, perpetual, irrevocable, transferable, sublicensable, and non-exclusive license to use, reproduce, store, modify, adapt, translate, publish, distribute, transmit, display, perform, and otherwise utilize such Content as necessary to operate, improve, support, and provide the Services.

This license includes the right to:

(a) use Content governed by our Privacy Policy in accordance with the Privacy Policy, including to provide the Services, fulfill our obligations under these Terms, and for any additional purposes disclosed in the Privacy Policy;

(b) use Content not governed by the Privacy Policy, including suggestions, testimonials, reviews, comments, ideas, or feedback you provide regarding the Services, for any lawful business purpose without compensation or attribution to you; and

(c) anonymize, aggregate, or de-identify Content that contains personal information and use such de-identified information for analytics, research, operational, marketing, product development, or other lawful purposes.

To the fullest extent permitted by applicable law, all rights, title, and interest in and to any de-identified, anonymized, or aggregated data derived from your Content shall be solely and exclusively owned by MoneySolver, and MoneySolver may use such information for any lawful purpose.

You agree not to submit, upload, transmit, post, or otherwise provide to MoneySolver or through the Services:

(a) any content that is unlawful, fraudulent, defamatory, libelous, misleading, inaccurate, infringing, invasive of privacy, or otherwise objectionable, including content that is offensive, abusive, harassing, threatening, hateful, discriminatory, obscene, profane, or pornographic, or that violates or misappropriates the rights of any third party;

(b) any content containing malicious code, software, scripts, viruses, malware, spyware, or other harmful or unauthorized technology designed to disrupt, damage, or gain unauthorized access to systems, data, or functionality; or

(c) any content or communications relating to illegal activities or conduct that could cause MoneySolver, its affiliates, partners, vendors, employees, or service providers to violate any applicable law, regulation, or legal obligation.

5. Indemnification

Except with respect to Services specifically provided by MoneySolver affiliates acting in a regulated advisory capacity, you acknowledge and agree that you are solely responsible for your use of the Services. You further agree to defend, indemnify, and hold harmless MoneySolver, its affiliates, subsidiaries, licensors, service providers, and each of their respective current and former officers, directors, employees, contractors, agents, representatives, successors, and assigns from and against any and all claims, demands, actions, liabilities, damages, judgments, settlements, losses, costs, and expenses, including reasonable attorneys’ fees and accounting costs, arising out of or related to:

(i) any content, information, or materials you submit, upload, transmit, or otherwise provide through the Services;

(ii) your violation of these Terms or any applicable law, rule, or regulation;

(iii) your infringement, misappropriation, or violation of any third-party rights, including intellectual property, privacy, confidentiality, publicity, or proprietary rights; or

(iv) any dispute, interaction, transaction, or issue between you and any third party, including any Third-Party Provider.

MoneySolver reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such event, you agree to fully cooperate with MoneySolver in the defense and resolution of such matter.

6. Termination

If you violate these Terms, your right to access and use the Services may automatically terminate without further notice. In addition, MoneySolver reserves the right, in its sole discretion and at any time, to suspend, restrict, deactivate, or terminate your account or access to some or all of the Services, with or without notice and for any reason permitted by applicable law.

You may terminate your account at any time by contacting MoneySolver through the support information provided on moneysolver.org.

Following termination of your account, certain information and content you previously submitted may no longer be accessible through your account. However, MoneySolver may retain and continue to store information and content as necessary to comply with legal obligations, enforce our agreements, resolve disputes, protect our rights, maintain business records, or for other legitimate business purposes. Information previously shared with third parties through your use of the Services may also continue to be retained by those third parties in accordance with their own policies and practices.

7. Modification of Terms

MoneySolver reserves the right to update, revise, or modify these Terms at any time, including by adding new terms, conditions, or policies related to the Services. If we make changes, we will update the “Last Updated” date associated with these Terms and may also provide additional notice where required by applicable law, including by email or through notifications posted on the Site or Services.

Any modifications or additional terms will become effective upon posting or upon the date otherwise specified in the notice and will be incorporated into these Terms. Your continued access to or use of the Services after such changes become effective constitutes your acceptance of the revised Terms and any additional terms or conditions.

If you do not agree to the updated Terms or any new or additional terms, you must discontinue your use of the Services and, if applicable, close your MoneySolver account.

8. Disclaimers of Warranties

THE DISCLAIMERS AND LIMITATIONS OF LIABILITY OUTLINED IN THIS SECTION APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WHILE MONEYSOLVER STRIVES TO PROVIDE SERVICES THAT ARE SECURE, RELIABLE, ACCURATE, AND AVAILABLE, WE DO NOT GUARANTEE THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM DELAYS, OMISSIONS, OR INACCURACIES. TECHNICAL ISSUES, SYSTEM INTERRUPTIONS, OR INADVERTENT ERRORS MAY OCCUR FROM TIME TO TIME.

A) NO WARRANTIES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MONEYSOLVER EXPRESSLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION: (I) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT; AND (II) ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE.

YOU ACKNOWLEDGE AND AGREE THAT YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR SOLE RISK. YOU ASSUME FULL RESPONSIBILITY FOR ANY LOSS, DAMAGE, OR LIABILITY THAT MAY RESULT FROM YOUR USE OF THE SERVICES OR FROM ANY INTERACTION, TRANSACTION, OR RELATIONSHIP BETWEEN YOU AND ANY THIRD-PARTY PROVIDER.

MONEYSOLVER DOES NOT WARRANT OR GUARANTEE THAT ANY INFORMATION, CONTENT, DATA, OR MATERIAL MADE AVAILABLE THROUGH THE SERVICES WILL BE ACCURATE, COMPLETE, CURRENT, SECURE, OR FREE FROM LOSS, INTERRUPTION, OR CORRUPTION. MONEYSOLVER IS NOT RESPONSIBLE FOR ANY LOSS OF DATA, DAMAGE TO INFORMATION, OR UNAVAILABILITY OF CONTENT PROVIDED THROUGH THE SERVICES, AND YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING APPROPRIATE BACKUP COPIES OF ANY INFORMATION YOU SUBMIT OR STORE THROUGH THE SERVICES.

B) NO GUARANTEE OF ACCURACY. MONEYSOLVER DOES NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR AVAILABILITY OF ANY INFORMATION, CONTENT, MATERIALS, CALCULATIONS, RECOMMENDATIONS, ESTIMATES, OR OTHER DATA MADE AVAILABLE THROUGH THE SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, MONEYSOLVER DISCLAIMS ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OUTDATED INFORMATION, OR OTHER INACCURACIES CONTAINED IN OR PROVIDED THROUGH THE SERVICES.

C) SERVICES PROVIDED FOR INFORMATIONAL PURPOSES ONLY. THE INFORMATION, CONTENT, TOOLS, MATERIALS, AND RESOURCES MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL, EDUCATIONAL, AND MARKETING PURPOSES AND DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, ACCOUNTING, CREDIT, INVESTMENT, INSURANCE, MEDICAL, OR OTHER PROFESSIONAL ADVICE.

MONEYSOLVER IS NOT A BANK, LENDER, CREDIT REPORTING AGENCY, INSURANCE COMPANY, INVESTMENT ADVISOR, OR FINANCIAL INSTITUTION, UNLESS EXPRESSLY STATED OTHERWISE WITH RESPECT TO A SPECIFIC SERVICE. MONEYSOLVER DOES NOT GUARANTEE ANY SPECIFIC FINANCIAL OUTCOME, CREDIT IMPROVEMENT, SAVINGS, APPROVAL, RATE, OR RESULT ARISING FROM YOUR USE OF THE SERVICES OR FROM ANY THIRD-PARTY PRODUCTS OR SERVICES REFERENCED THROUGH THE PLATFORM.

BEFORE MAKING ANY FINANCIAL, LEGAL, CREDIT, TAX, OR BUSINESS DECISION, OR BEFORE ACTING UPON ANY INFORMATION PROVIDED THROUGH THE SERVICES OR BY ANY THIRD-PARTY PROVIDER, YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONAL ADVISORS WHO ARE FAMILIAR WITH YOUR INDIVIDUAL CIRCUMSTANCES.

YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN RESEARCH, EVALUATION, AND DECISIONS, AND THAT MONEYSOLVER SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY ACTIONS, DECISIONS, LOSSES, OR OUTCOMES RESULTING FROM YOUR RELIANCE ON INFORMATION, CONTENT, RECOMMENDATIONS, OR SERVICES MADE AVAILABLE THROUGH THE PLATFORM OR PROVIDED BY ANY THIRD PARTY.

D) NO WARRANTIES REGARDING THIRD PARTIES. MONEYSOLVER MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, REGARDING ANY THIRD PARTY, INCLUDING ANY THIRD-PARTY PROVIDER, OR ANY PRODUCTS, SERVICES, ADVICE, CONTENT, OFFERS, RATES, QUOTES, OR RECOMMENDATIONS PROVIDED BY OR THROUGH ANY THIRD PARTY.

MONEYSOLVER DOES NOT ENDORSE, GUARANTEE, VERIFY, OR RECOMMEND ANY SPECIFIC LENDER, SERVICE PROVIDER, FINANCIAL PROFESSIONAL, ADVISOR, INSURANCE PROVIDER, OR OTHER THIRD PARTY MADE AVAILABLE THROUGH THE SERVICES. ANY DECISION TO ENGAGE WITH A THIRD PARTY OR UTILIZE A THIRD-PARTY SERVICE IS MADE SOLELY AT YOUR OWN DISCRETION AND RISK.

YOU ACKNOWLEDGE THAT MONEYSOLVER GENERALLY ACTS ONLY AS A MARKETING, REFERRAL, INFORMATIONAL, OR TECHNOLOGY PLATFORM THAT CONNECTS USERS WITH THIRD-PARTY PROVIDERS. MONEYSOLVER IS NOT RESPONSIBLE FOR AND EXPRESSLY DISCLAIMS ALL LIABILITY ARISING FROM OR RELATED TO ANY THIRD-PARTY PRODUCTS, SERVICES, COMMUNICATIONS, CONTENT, REPRESENTATIONS, ACTS, OR OMISSIONS.

PLEASE REFER TO SECTION 2 ABOVE FOR ADDITIONAL INFORMATION REGARDING THIRD-PARTY SERVICES AND THIRD-PARTY PROVIDERS.

E) NO GUARANTEE REGARDING TOOL OR SERVICE OUTPUTS. ANY CALCULATIONS, ESTIMATES, RESULTS, RECOMMENDATIONS, SCORES, ANALYSES, OR OTHER OUTPUTS GENERATED THROUGH THE SERVICES OR ANY TOOLS MADE AVAILABLE BY MONEYSOLVER MAY BE INCOMPLETE, INACCURATE, OUTDATED, OR BASED ON INFORMATION PROVIDED BY YOU OR THIRD PARTIES. MONEYSOLVER DOES NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, OR SUITABILITY OF ANY SUCH OUTPUTS.

YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR INDEPENDENTLY REVIEWING, EVALUATING, AND VERIFYING THE ACCURACY AND APPROPRIATENESS OF ANY INFORMATION OR OUTPUT PROVIDED THROUGH THE SERVICES BEFORE RELYING ON IT OR SHARING IT WITH OTHERS.

OUTPUTS PROVIDED THROUGH THE SERVICES ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS LEGAL, FINANCIAL, CREDIT, TAX, INSURANCE, INVESTMENT, OR OTHER PROFESSIONAL ADVICE, NOR SHOULD THEY BE USED AS THE SOLE BASIS FOR MAKING FINANCIAL, CREDIT, INSURANCE, PURCHASING, OR OTHER IMPORTANT DECISIONS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT WHERE PROHIBITED BY LAW:

(A) IN NO EVENT SHALL MONEYSOLVER, ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SERVICE PROVIDERS, LICENSORS, OR REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITIES, GOODWILL, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF THE SERVICES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF MONEYSOLVER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND

(B) TO THE EXTENT LIABILITY CANNOT BE FULLY DISCLAIMED OR EXCLUDED, THE TOTAL CUMULATIVE LIABILITY OF MONEYSOLVER AND ITS AFFILIATES ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (I) THE TOTAL AMOUNT, IF ANY, YOU PAID DIRECTLY TO MONEYSOLVER FOR THE APPLICABLE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (II) ONE HUNDRED U.S. DOLLARS (US $100).

ALL DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, AND EXCLUSIONS OF DAMAGES SET FORTH IN THESE TERMS APPLY EQUALLY TO ANY THIRD-PARTY SERVICES, THIRD-PARTY PRODUCTS, OR THIRD-PARTY SITES MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SERVICES.

NOTHING IN THESE TERMS IS INTENDED TO LIMIT OR WAIVE ANY RIGHTS THAT CANNOT BE WAIVED UNDER APPLICABLE FEDERAL OR STATE LAW, INCLUDING ANY NON-WAIVABLE CONSUMER PROTECTIONS OR LEGAL RIGHTS THAT MAY APPLY TO CERTAIN FINANCIAL OR REGULATED SERVICES.

10. Governing Law

The Terms are governed by the laws of the State of Florida and the Federal Arbitration Act (“FAA”), without regard to conflict of law principles. Subject to Section 11, which provides that disputes are to be resolved through binding arbitration or small claims court, to the extent that any lawsuit or court proceeding is permitted hereunder, you and MoneySolver agree to submit to the exclusive personal jurisdiction of the state courts and federal courts located within Duval County, Florida, for the purpose of litigating all such disputes. We make no representation that information and materials included in the Services are appropriate or available for use outside the U.S.

11. Automated and AI-Assisted Communications

MoneySolver may use automated technologies, artificial intelligence, virtual assistants, prerecorded messages, or AI-generated voice or messaging technology in connection with certain communications and services. These technologies may assist with responding to inquiries, gathering information, scheduling, routing communications, customer service, and other business functions. Automated or AI-generated communications do not constitute tax, legal, or financial advice and should not be relied upon as a substitute for advice from a qualified professional.

12. Dispute Resolution by Binding Arbitration

MOST CUSTOMER CONCERNS OR DISPUTES CAN BE RESOLVED QUICKLY AND EFFICIENTLY BY CONTACTING MONEYSOLVER AT INFO@MONEYSOLVER.ORG. HOWEVER, IN THE EVENT A DISPUTE CANNOT BE RESOLVED INFORMALLY, THEN, EXCEPT FOR CLAIMS THAT QUALIFY FOR SMALL CLAIMS COURT OR CLAIMS RELATING TO INTELLECTUAL PROPERTY RIGHTS AS DESCRIBED IN THE “ARBITRATION AGREEMENT” SECTION BELOW, BOTH YOU AND MONEYSOLVER AGREE TO RESOLVE SUCH DISPUTES THROUGH BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) UNDER ITS APPLICABLE CONSUMER OR COMMERCIAL ARBITRATION RULES, OR THROUGH ANOTHER MUTUALLY AGREED-UPON ARBITRATION PROVIDER, IN ACCORDANCE WITH THE TERMS SET FORTH IN THE “ARBITRATION AGREEMENT” SECTION BELOW.

YOU UNDERSTAND THAT BY ENTERING INTO THIS AGREEMENT, YOU AND MONEYSOLVER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

ARBITRATION AGREEMENT

A) CLAIMS SUBJECT TO BINDING ARBITRATION. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND MONEYSOLVER AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, OR YOUR RELATIONSHIP WITH MONEYSOLVER SHALL BE RESOLVED THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, INCLUDING CLAIMS AGAINST MONEYSOLVER’S AFFILIATES, SUBSIDIARIES, CURRENT OR FORMER OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, OR REPRESENTATIVES.

THIS AGREEMENT TO ARBITRATE APPLIES TO ALL CLAIMS, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, EXCEPT THAT:

(1) EITHER PARTY MAY SEEK TEMPORARY, PRELIMINARY, OR PERMANENT INJUNCTIVE OR OTHER EQUITABLE RELIEF IN A COURT OF COMPETENT JURISDICTION AS NECESSARY TO PROTECT ITS RIGHTS PENDING THE FINAL RESOLUTION OF A MATTER IN ARBITRATION; AND

(2) EITHER PARTY MAY BRING AN INDIVIDUAL CLAIM IN SMALL CLAIMS COURT, PROVIDED THE CLAIM QUALIFIES AND REMAINS WITHIN THE JURISDICTIONAL LIMITS AND PROCEDURAL RULES OF THAT COURT.

IF A CLAIM IS NOT PROPERLY BROUGHT OR MAINTAINED IN SMALL CLAIMS COURT, OR IF A SMALL CLAIMS COURT JUDGMENT IS APPEALED TO A COURT OF GENERAL JURISDICTION, THE DISPUTE MUST BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION.

YOU ACKNOWLEDGE AND AGREE THAT, BY ACCEPTING THESE TERMS, BOTH YOU AND MONEYSOLVER ARE WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

YOU FURTHER AGREE THAT THESE TERMS INVOLVE A TRANSACTION IN INTERSTATE COMMERCE AND THAT THE FEDERAL ARBITRATION ACT (“FAA”) GOVERNS THE INTERPRETATION, ENFORCEMENT, AND APPLICABILITY OF THIS ARBITRATION AGREEMENT.

THIS ARBITRATION AGREEMENT SHALL SURVIVE THE TERMINATION OF THESE TERMS, YOUR ACCOUNT, OR YOUR RELATIONSHIP WITH MONEYSOLVER FOR ANY REASON.

B) ARBITRATION PROCEDURES AND ADMINISTRATOR. Any arbitration between you and MoneySolver shall be conducted and administered by the American Arbitration Association (“AAA”) in accordance with its applicable Consumer Arbitration Rules and/or Commercial Arbitration Rules (collectively, the “AAA Rules”), as modified by these Terms.

The AAA Rules, filing procedures, and additional information regarding arbitration are available at www.adr.org or by contacting the AAA directly at 1-800-778-7879. You may also contact MoneySolver for additional information regarding the arbitration process.

All issues shall be decided by the arbitrator, including the scope and enforceability of this arbitration provision and any other terms and conditions contained in these Terms. The arbitrator shall have exclusive authority to resolve any dispute concerning the scope or enforceability of this arbitration provision or any other provision of these Terms, including any claim that all or any part of this arbitration provision or these Terms is void or voidable.

Notwithstanding the foregoing, if either party initially brings putative class or representative claims in a court of law and any party moves to compel arbitration, the court shall determine whether these Terms permit class or representative proceedings. For the avoidance of doubt, both the court and the arbitrator shall be bound by these Terms, including the class action waiver set forth below.

In any arbitration, the arbitrator shall apply the applicable law. The arbitrator shall have no authority to render an award based on a manifest error of law or legal reasoning, and any award containing such an error may be vacated or corrected by a court of competent jurisdiction.

During the arbitration, neither party shall disclose to the arbitrator the amount of any settlement offer made by either you or MONEYSOLVER until after the arbitrator determines the amount, if any, to which either party is entitled. In arbitration, and to the extent permitted by applicable law, the parties may exchange offers of compromise or stipulate to judgments or awards in the same manner as they could in court proceedings, including, for arbitrations conducted in FLORIDA, pursuant to THE FLORIDA Code of Civil Procedure. Any such offers of compromise shall have the same force and effect as they would in a court proceeding.

Except as necessary to seek court intervention, the arbitration proceedings shall remain confidential.

C) NOTICE AND PROCESS. A PARTY INTENDING TO SEEK ARBITRATION MUST FIRST SEND THE OTHER PARTY A WRITTEN NOTICE OF DISPUTE (“NOTICE”) BY CERTIFIED MAIL. NOTICE TO MONEYSOLVER SHALL BE SENT TO: MONEYSOLVER, 7159 CORKLAN DR, SUITE 150, JACKSONVILLE, FL 32258 (“NOTICE ADDRESS”) AND MUST BE PERSONALLY SIGNED BY YOU. NOTICE FROM MONEYSOLVER TO YOU MAY BE SENT DIRECTLY TO YOU OR, IF YOU ARE REPRESENTED BY COUNSEL, TO YOUR LEGAL REPRESENTATIVE. THE NOTICE MUST: (A) DESCRIBE THE NATURE AND BASIS OF THE CLAIM OR DISPUTE; AND (B) SPECIFY THE RELIEF SOUGHT (“DEMAND”). IF YOU AND MONEYSOLVER ARE UNABLE TO RESOLVE THE CLAIM WITHIN THIRTY (30) DAYS AFTER RECEIPT OF THE NOTICE, EITHER PARTY MAY INITIATE AN ARBITRATION PROCEEDING IN ACCORDANCE WITH THE TERMS OF THIS ARBITRATION AGREEMENT.

D) FEES. If you initiate arbitration in accordance with these Terms, MoneySolver will, upon your request, reimburse your arbitration filing fee unless your claim exceeds $10,000, in which case responsibility for payment of fees will be determined in accordance with the applicable AAA Rules. Any request for reimbursement of fees by MoneySolver must be submitted to the AAA together with your demand for arbitration, and MoneySolver will arrange for payment of all required fees directly to the AAA.

If the arbitrator determines that any claim you assert in arbitration is frivolous or brought for an improper purpose, as measured by the standards set forth in Federal Rule of Civil Procedure 11(b) or any successor rule, you agree to reimburse MoneySolver for any arbitration fees previously paid by MoneySolver on your behalf that you otherwise would have been required to pay under the AAA Rules.

If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing without personal appearance, or by an in-person hearing in accordance with the AAA Rules. Any in-person arbitration hearing shall be held at a mutually agreed-upon location in Jacksonville, Florida.

Regardless of the format of the arbitration, the arbitrator shall issue a written, reasoned decision that adequately explains the essential findings and conclusions supporting any decision or award. The arbitrator may rule on and resolve disputes concerning the payment or reimbursement of fees or expenses at any time during the proceeding, provided that a request is made by either party within fourteen (14) days following the arbitrator’s ruling on the merits.

E) CLASS ACTION WAIVER. Any arbitration conducted under these Terms shall proceed solely on an individual basis. Class arbitrations, class actions, and other representative proceedings are not permitted. Unless both you and MoneySolver expressly agree otherwise, the arbitrator may not consolidate the claims of multiple individuals (except as provided in subsection (F) below) and may not preside over any form of representative or class proceeding.

The arbitrator may award relief, including monetary, injunctive, or declaratory relief, only in favor of the individual party seeking relief and solely to the extent necessary to resolve that party’s individual claim. Any relief awarded shall not affect any other user or customer.

If this subsection (E) is determined to be unenforceable in its entirety, then the entire arbitration provision shall be deemed null and void. However, if only a portion of this subsection (E) is found unenforceable, that portion shall be severed, and the remainder of this subsection shall remain enforceable to the fullest extent permitted by law.

Any claims or causes of action seeking relief that cannot be subject to individual arbitration under applicable law shall be stayed in a court of competent jurisdiction pending the completion of the individual arbitration proceeding, to the maximum extent permitted by law. Nothing in this subsection (E) or subsection (F) below shall prevent you or MoneySolver from participating in a class-wide settlement of claims.

You and MoneySolver agree that any claims brought against the other may be asserted only in an individual capacity and not as a plaintiff, claimant, or class member in any purported class, collective, consolidated, or representative proceeding.

f) MASS, COLLECTIVE, OR BATCH ARBITRATION. You and MoneySolver agree that the administration of any mass, collective, or batch arbitration shall be governed by the provisions set forth in this subsection (F).

For purposes of this subsection, a “mass,” “collective,” or “batch” arbitration includes, without limitation, circumstances in which you and other claimants are represented by the same law firm, group of law firms, or coordinated legal counsel that files more than one hundred fifty (150) arbitration demands of a substantially similar nature against MoneySolver, asserting similar or identical claims or causes of action, within one hundred eighty (180) days of the filing of the arbitration demand submitted on your behalf or on behalf of others, and where such counsel seeks to administer or arbitrate those demands collectively or simultaneously.

If more than one hundred fifty (150) arbitration demands asserting substantially similar claims or causes of action are filed against MoneySolver by the same law firm or coordinated group of legal counsel within a one hundred eighty (180) day period, each arbitration demand shall be filed, administered, arbitrated, and resolved in accordance with the procedures set forth in this subsection (F).

To promote the efficient resolution of any mass, collective, or batch arbitration, if one hundred fifty (150) or more similar arbitration demands are filed against MoneySolver within a one hundred eighty (180) day period as described above, the arbitration provider shall: (i) group the arbitration demands into batches consisting of no more than one hundred fifty (150) demands per batch; and (ii) administer and resolve each batch as a single arbitration proceeding, with one set of filing and administrative fees and one arbitrator assigned to each batch.

You and MoneySolver agree to cooperate in good faith with the arbitration provider to implement the procedures described above for the administration, resolution, and allocation of fees in any mass, collective, or batch arbitration.

If subsections (F)(i) or (F)(ii) are not enforced, or if the arbitration provider declines to apply these mass, collective, or batch arbitration procedures, then each arbitration demand shall proceed individually and be separately filed, administered, arbitrated, and resolved, unless the parties mutually agree to use a different widely recognized arbitration organization willing to apply the procedures set forth in subsections (F)(i) and (F)(ii).

If any other portion of this subsection (F) is found to be unenforceable, the unenforceable portion shall be severed, and the remaining provisions of this subsection (F), as well as the remainder of this Agreement, shall remain enforceable to the fullest extent permitted by law. Except as expressly modified in this subsection (F), all mass, collective, and batch arbitrations shall remain subject to the remaining substantive and procedural terms of this Agreement.

g) Discovery. Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

h) Injunctive Relief. Notwithstanding this Arbitration Agreement, you acknowledge and agree that monetary damages may be an insufficient remedy for any unauthorized access to or use of the Services, or for any violation of these Terms relating to MoneySolver’s intellectual property rights, and that any such breach may cause irreparable harm to MoneySolver. Accordingly, in the event of any actual or threatened breach of this nature, MoneySolver shall be entitled, in addition to any other remedies available at law or in equity, to seek injunctive relief, specific performance, or other equitable relief without the requirement of posting a bond or proving actual damages.

I) Modifications. If MoneySolver makes any future changes to this Arbitration Agreement, other than a change to the Notice Address, after your enrollment in a service or program or after your use of the Services, you may reject such changes and require MoneySolver to apply the arbitration provision as it existed at the time of your enrollment or purchase, provided that you send written notice of your rejection to the Notice Address listed above within thirty (30) days of the effective date of the change.

You acknowledge and agree that if you reject any future modification to this Arbitration Agreement, your account with MoneySolver may be immediately terminated, and any dispute between you and MoneySolver shall be resolved through arbitration in accordance with the version of this arbitration provision in effect at the time of your enrollment or purchase.

J) Severability and Enforceability. If any provision of this Section 11 is determined by an arbitrator or court of competent jurisdiction to be invalid or unenforceable, the remaining provisions of this Section 11 shall remain in full force and effect. If this Section 11 is found to be unenforceable in its entirety, the parties agree that the exclusive jurisdiction and venue provisions outlined in Section 10 shall govern any action arising out of or relating to these Terms, and all remaining provisions of the Terms shall continue to apply to the fullest extent permitted by law.

13. Modification of Services

MoneySolver reserves the right, at any time and in its sole discretion, to modify, suspend, or discontinue any portion of the Services, whether temporarily or permanently, without prior notice or further obligation to you. You acknowledge and agree that MoneySolver shall not be liable to you or to any third party for any modification, suspension, interruption, or discontinuation of the Services or any part thereof.

14. General

a) Entire Agreement. Except as otherwise expressly provided herein, these Terms, together with the Privacy Policy, constitute the complete and exclusive agreement between you and MoneySolver concerning your access to and use of the Services. These Terms may only be modified or amended by a written agreement signed by authorized representatives of both parties, except as otherwise expressly permitted herein.

b) No Waiver. Failure by MoneySolver to enforce any provision of these Terms shall not constitute a waiver of its right to enforce such provision at any later time. Likewise, any waiver of a breach or default under these Terms shall not constitute a waiver of any subsequent breach or default or of the provision itself.

c) Section Headings. Headings and section titles contained in these Terms are included solely for convenience and shall not affect the interpretation or construction of any provision of these Terms.

d) Severability. If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of these Terms shall remain in full force and effect.

e) Partner Terms. Certain products or services made available through the Services may be subject to additional terms and conditions imposed by MoneySolver’s third-party partners (“Partner Terms”). In the event of any conflict between these Terms and any applicable Partner Terms, these Terms shall govern and control unless expressly stated otherwise.

f) Third-Party Beneficiaries. MoneySolver’s current and former employees, officers, directors, contractors, affiliates, successors, and assignees are intended third-party beneficiaries of Section 5 (Indemnification) and the Arbitration Agreement and shall have the right to enforce those provisions against you. Except as expressly provided herein, these Terms are not intended to confer any rights or remedies upon any person or entity other than you and MoneySolver.

15. Notice to California Residents

Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 to resolve a complaint regarding the service.

16. MoneySolver Customer Service

To contact us with questions or suggestions regarding our services, please email us at marketingsupport@moneysolver.org.