TERMS & CONDITIONS

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Ignite Debt Relief website and services. By accessing or using our website, you confirm that you are at least 18 years of age, are capable of forming a legally binding contract, and agree to these Terms in their entirety.

2. Nature of Services — Important Disclosures

Ignite Debt Relief provides debt relief consulting services. You must understand the following before engaging with us:

• ›We are NOT a law firm and do not provide legal advice or legal representation.
• ›We are NOT affiliated with any federal, state, or local government agency.
• ›Our services are NOT government-sponsored or government-endorsed.
• ›We do NOT guarantee any specific outcome, debt reduction, or settlement.
• ›Results vary significantly based on individual circumstances.
• ›Debt relief programs may negatively impact your credit score.
• ›Creditors are not legally required to negotiate or settle debts.
• ›Enrollment in our programs is subject to qualification and review.
• ›This website and its communications constitute an advertisement.

3. No Attorney-Client Relationship

Nothing on this website, in any communication from us, or in any consultation creates an attorney-client relationship. We are not attorneys. Information provided by Ignite Debt Relief is educational and informational in nature only and does not constitute legal advice. For legal guidance, please consult a licensed attorney in your state.

4. Eligibility and Qualification

Our services and programs are not available to everyone. Eligibility is determined on a case-by-case basis following a review of your financial situation. Submitting a contact form or requesting a consultation does not guarantee enrollment in any program. Not all applicants will qualify.

5. Website Use

You agree to use our website only for lawful purposes. You may not:

• ›Use the website in any way that violates applicable law or regulation
• ›Transmit any unsolicited or unauthorized advertising or promotional material
• ›Attempt to gain unauthorized access to any part of the website or its systems
• ›Impersonate any person or entity or misrepresent your affiliation
• ›Engage in any conduct that restricts or inhibits anyone's use of the website

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Ignite Debt Relief or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

7. Third-Party Services and Links

Our website may contain links to third-party websites or services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We do not endorse or warrant the offerings of any third-party company or individual.

8. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations regarding the accuracy, completeness, or timeliness of any information on our website.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Ignite Debt Relief and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising from your use of our website or services, even if we have been advised of the possibility of such damages.

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

10. Indemnification

You agree to indemnify, defend, and hold harmless Ignite Debt Relief and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising from your use of our website, violation of these Terms, or violation of any applicable law.

11. TCPA Compliance

By providing your phone number and checking the consent box on our forms, you expressly consent to be contacted by Ignite Debt Relief via automated telephone dialing systems, pre-recorded messages, and text messages at the phone number provided. Consent is not a condition of purchase or enrollment. You may revoke consent at any time by contacting us.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of our website shall be resolved through binding arbitration in California, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with a revised "Last Updated" date. Your continued use of our website following any modification constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

15. Contact Information