Terms of Service

These Terms of Service ("Terms") are an agreement between you and ReliefOlogist governing your use of reliefologist.com and our matching services. By using the site or submitting a form, you accept these Terms. If you do not agree, do not use the service.

ReliefOlogist is a free service that connects people looking for debt relief with a vetted debt-relief specialist. We are not a lender, a bank, a law firm, a debt-settlement company, or a credit-repair organization, and we do not negotiate, settle, consolidate, or manage debt ourselves.

Using our service is free, and being connected with a specialist creates no obligation to enroll in any program.

Nothing on our site is legal, financial, tax, or credit-repair advice. Program availability, terms, timelines, and results are determined solely by the specialist you choose and depend on your creditors, balances, and state. Review any program carefully and consult a qualified professional before enrolling.

You must be at least 18 years old and a United States resident to use the service. You agree to provide accurate, current information in the request form — the specialist relies on it to assess whether they can help.

You agree not to misuse the site, interfere with its operation, or attempt to access it by automated means except as permitted, and not to submit information about another person without their authorization.

Being matched is not an offer, an approval, or a guarantee that any debt will be reduced, consolidated, or settled. Whether a program is appropriate — and any amounts, terms, or timelines — is determined solely by the specialist under applicable law. ReliefOlogist does not guarantee any particular outcome, savings amount, or timeframe.

Under federal law, including the FTC Telemarketing Sales Rule, a debt-relief company generally cannot charge you a fee before it settles or reduces a debt. Any fees are set and disclosed by the specialist, not by ReliefOlogist.

When you submit our form with consent, you authorize ReliefOlogist and its partner debt-relief specialist to contact you by phone, email, or SMS about debt-relief options, as described in our Privacy Policy. Consent is not a condition of any service or purchase, and you can opt out at any time (reply STOP to texts).

The debt-relief specialists we connect you with are independent organizations. ReliefOlogist is not responsible for their conduct, communications, programs, fees, or the outcomes of any engagement. Your relationship with a specialist — including any service agreement — is between you and that specialist.

The site, its content, and our marks belong to ReliefOlogist or our licensors. You may use the site for personal, non-commercial purposes; you may not copy, scrape, or reuse content without permission.

The service is provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, ReliefOlogist will not be liable for indirect, incidental, special, consequential, or punitive damages, or for the acts or omissions of independent specialists. Our total liability for any claim relating to the service will not exceed one hundred dollars (US $100).

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You agree to indemnify and hold ReliefOlogist harmless from claims arising out of your misuse of the service or violation of these Terms.

These Terms are governed by the laws of the state in which ReliefOlogist is organized, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located there, and you consent to their jurisdiction.

We may update these Terms from time to time. Continued use of the service after changes take effect constitutes acceptance. The "last updated" date above reflects the current version.

Questions about these Terms can be sent through the contact options listed on reliefologist.com.