Terms and Conditions - Free Debt Insurance

Terms and Conditions

Effective Date: October 24, 2021

These Terms and Conditions (“Terms”) govern your use of Free Debt Insurance’s Website, www.freedebtinsurance.com, and the services offered by Free Debt Insurance (“we,” “our,” or “us”). By using our Website or services, you agree to these Terms.

1. Use of the Website

  • You must be 18 years or older to use our Website or services.
  • You agree to use the Website in accordance with all applicable laws and regulations.
  • Unauthorized use of our Website may give rise to a claim for damages and/or be a criminal offense.

2. Services

Free Debt Insurance offers credit insurance policies designed to help individuals manage debt payments in case of death, disability, or unemployment. All policies are subject to underwriting approval, terms, conditions, and exclusions as outlined in the respective insurance policy documents.

3. User Accounts

To access certain features of the Website, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

4. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, and software, is the property of Free Debt Insurance and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written consent.

5. Limitation of Liability

To the maximum extent permitted by law, Free Debt Insurance shall not be liable for any damages arising out of or related to your use of the Website or services, including but not limited to indirect, incidental, punitive, or consequential damages.

6. Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience, and Free Debt Insurance does not endorse or assume responsibility for the content or practices of any third-party websites.

7. Termination

We reserve the right to terminate or suspend your access to the Website or services at our discretion, without notice, for any reason, including breach of these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.

9. Changes to Terms

We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on the Website. Your continued use of the Website constitutes your acceptance of the modified Terms.

10. Contact Us

If you have any questions regarding these Terms, please contact us:

11. Communications Consent

By submitting any form on the Free Debt Insurance Website, you agree to receive the following types of communications:

  • Telephone Calls: You consent to receiving calls, including pre-recorded messages and calls made using automated technology (auto-dialers), on behalf of Free Debt Insurance, even if your phone number is listed on the “Do Not Call” registry.
  • Emails: By providing your email address, you consent to receive service-related emails, as well as promotional messages. You may unsubscribe at any time via the “unsubscribe” link provided in these emails.
  • Text Messages: You agree to receive SMS or text messages, which may be delivered using automated technology. Text message frequency may vary depending on your use of our services.

12. Opting Out

You are not required to opt in to these communications as a condition of any purchase. You may opt-out at any time by replying “STOP” to any SMS message or by following the instructions in an email to unsubscribe from further communications.