Privacy Policy

1. Member eligibility & accounts.

• Eligibility. By using the Site, You represent and warrant that:
• • You are at least 18 years old;
  • You are and will continue to be a United States citizen and/or a person legally authorized to work in the United States;
  • You have the right, authority and capacity to enter into this Agreement;
  • You will abide by all the terms and conditions of this Agreement;
  • neither You, nor anyone in Your household (A) has been the subject of a complaint, restraining order or any other legal action, arrested for, charged with or convicted of any criminal offense or (B) has been and/or is currently required to register as a sex offender in any jurisdiction or with any governmental entity.
• Member Accounts. A Visitor may browse the Site in accordance with these Terms of Use, but will not have access to certain Services without first becoming a Member. In order to use the Services available to a Member, You are required to set up an Account with us. When You set up an Account, You are required to select a unique user ID and password (collectively “Account Credentials”). You promise that all information You provide to us is true, accurate, current and complete, and You agree to maintain and promptly update such information to keep it true, accurate, current and complete. You may not transfer or share Your Account Credentials with any third parties, and You are solely responsible for maintaining the confidentiality of Your Account Credentials. You acknowledge and agree that we rely on Account Credentials to know whether users accessing the Site and using our Services are authorized to do so. If someone accesses our Site or Services using Your Account Credentials, we will rely on the Account Credentials and will assume that it is really You who is accessing the Site and Services. You are solely responsible for any and all use of Your Account Credentials and Account and all activities that occur under or in connection with Your Account Credentials or Account. You agree to be responsible for any act or omission of any users that access the Site or Services under Your Account Credentials. You agree not to register for more than one Account or register for an Account on behalf of any group or entity. If You are creating an Account on behalf of a third party, You represent that you have the authority to represent such third party and bind the third party to this Agreement. For illustration purposes only, if You are creating a Care Seeker account on behalf of a loved one who is seeking care, You represent that your loved one has provided You with proper authority to act on their behalf and that Your loved one will abide by this Agreement.

2. MEMBER VERIFICATION.

• Member Verification by Members. You are responsible to make Your own decision regarding the other Members that You engage through the Site. Debt Quest USA LLC may make a third-party verification service available to Members. Members may use this service to verify information of other Members such as, but not limited to, name, address, social security number, and criminal background. Use of a third-party verification service is voluntary. If You decide to use or access information provided by a third-party verification service offered through the Site, You do hereby represent, understand and expressly agree that Debt Quest USA LLC is a conduit for the third-party verification service and does not have control over or assume any responsibility for the quality, accuracy, or reliability of the information provided by the third-party verification service. In addition, You understand that Debt Quest USA LLC may review the information provided by the third-party verification service. If You use the third party verification service, and such verification is governed by the Fair Credit Reporting Act (the “FCRA”), You represent and warrant that You will comply with the FCRA, which can be found at https://www.ftc.gov/os/statutes/fcrajump.shtm. Debt Quest USA LLC expressly disclaims any and all liability that may result from the use of the information provided by the third party verification service. Debt Quest USA LLC expressly disclaims, and You expressly release Debt Quest USA LLC from, any and all liability whatsoever for any controversies, claims, suits, injuries and/or damages arising from and/or in any way related to (a) any misstatements and/or misrepresentations made by any Member or (b) THE ACCURACY, TIMELINESS OR COMPLETENESS OF ANY BACKGROUND CHECK provided to you in connection with the site or the services.
• Optional Member Verification by Debt Quest USA LLC. You understand and agree that Debt Quest USA LLC has the right, but not the obligation, to independently verify any statement made by any Member on the Site or verify that any Member meets any of the eligibility criteria set forth above. In the event that Debt Quest USA LLC chooses to verify the representations and warranties or any information provided by You through Your use of the Site, You hereby authorize Debt Quest USA LLC, either directly or through our vendors or service providers, to attempt to verify such information, which verification may include, without limitation, conducting criminal background checks, sex offender registry checks, motor vehicle records checks, identification verifications, credential verification checks, credit checks and/or using available public records. You consent to any collection, use or disclosure in order to accomplish such verification.

3. Debt Quest USA LLC is a Venue.The Site is a venue designed to connect home care providers (“Care Providers”) with care seekers and their families looking for home care services (“Care Seekers”). Debt Quest USA LLC does not provide or arrange for home healthcare services. Debt Quest USA LLC does not participate in the interaction between Care Providers and Care Seekers except to process payments on behalf of Care Providers and collect payments from Care Providers who use any of the Debt Quest USA LLC Premium Services (defined below). Debt Quest USA LLC does not provide any healthcare billing services. Any disputes related to the services received by Care Seeker or payment due to Care Provider must be resolved directly between Care Seeker and Care Provider. You understand and agree that Debt Quest USA LLC has no control over and is not responsible for the acts or omissions of any Members on or off the Site. You also understand and agree that Debt Quest USA LLC makes no representation or warranty regarding the quality of any services provided by any Member. Debt Quest USA LLC is not responsible for the accuracy or reliability of any information provided by any Member on the Site

Debt Quest USA LLC EXPRESSLY DISCLAIMS, AND YOU EXPRESSLY RELEASE Debt Quest USA LLC FROM, ANY AND ALL LIABILITY WHATSOEVER FOR ANY DAMAGES, SUITS, CLAIMS AND/OR CONTROVERSIES THAT HAVE ARISEN OR MAY ARISE FROM AND/OR IN ANY WAY RELATE TO ANY ACTS OR OMISSIONS OF MEMBERS ON OR OFF THE SITE, INCLUDING WITHOUT LIMITATION THE PROVISION OF ANY CARE SERVICES BY ANY CARE PROVIDER.

4. OWNERSHIP. You understand and acknowledge that the software, code, proprietary methods and systems used to provide the Site or Services (“Our Technology”) are: (a) copyrighted by us and/or our licensors under United States and international copyright laws; (b) subject to other intellectual property and proprietary rights and laws; and (c) owned by us or our licensors. Our Technology may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, or redistributed in any way without our prior written permission and the prior written permission of our applicable licensors. You must abide by all copyright notices, information, or restrictions contained in or attached to any of Our Technology. Nothing in these Terms of Use grant You any right to receive delivery of a copy of Our Technology or to obtain access to Our Technology except as generally and ordinarily permitted through the Site according to these Terms of Use. Furthermore, nothing in these Terms of Use will be deemed to grant, by implication, estoppel or otherwise, a license to Our Technology. Certain of the names, logos, and other materials displayed on the Site or in the Services constitute trademarks, tradenames, service marks or logos (“Marks”) of Debt Quest USA LLC or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with us or those other entities. Any use of third party software provided in connection with the Site or Services will be governed by such third parties’ licenses and not by these Terms of Use.
5. Rules Regarding Information and other Content. When You access the Site and/or Services, You obtain access to various kinds of information and materials, all of which we call “Content.” Content includes information and materials posted to the Site or through the Services by You and other Members. You are entirely responsible for each individual item of Content that You post, email or otherwise make available on the Site or the Services. As between You and us, You retain ownership and any intellectual property rights in any copyrighted materials that are contained in Content that You post to the Site or through the Services. You grant us a non-exclusive, royalty-free, fully paid, fully sublicenseable, worldwide license, under any and all of Your copyright and other intellectual property rights related to that Content. You agree that any such Content or any derivative works thereof, may be disseminated, distributed, publicly displayed, reproduced, used, sublicensed, posted, or published by us, and searched, displayed, printed or otherwise used or exploited by our Visitors and Members. You agree not to revise Content posted by others, and You represent and warrant that You will not post or use any Content in any manner that:

• • Infringes the copyright, trademark, trade secret, or other intellectual property or proprietary right of others;
  • Violates the privacy, publicity, or other rights of third parties, including other Members;
  • Violates any law, statute, ordinance or regulation, including laws regarding anti-discrimination and false advertising;
  • Is false or inaccurate or becomes false or inaccurate at any time;
  • Is discriminatory, unlawful, tortious, obscene, fraudulent, defamatory, harmful, threatening, pornographic, indecent, vulgar, harassing, discourteous, hateful, abusive or racially, ethnically, religiously, sexually or otherwise offensive, as determined by us in our sole discretion;
  • Discloses or provides information protected under any law, agreement or fiduciary relationship, including but not limited to proprietary or confidential information of others;
  • Misrepresents Your identity in any way;
  • Contains any viruses, Trojan horses, worms, time bombs, cancelbots, or other disabling devices or other harmful component intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
  • Contains any advertising or solicitation for anything other than home care services offer through the Site;
  • Advocates or encourages any illegal activity; or
  • Has the potential to create liability for us or cause us to violate the requirements of or to lose the services, in whole or in part, of our Internet service providers or other suppliers.
  • Though we strive to enforce these rules with all of our Members, and our other customers, You may be exposed through the Site or Services to Content that violates our policies or is otherwise offensive. You access the Site and Services at Your own risk. We may, but are not obligated to, delete Accounts and/or remove Content from the Site if we determine or suspect that those Accounts or Content violate the terms of these Terms of Use or the applicable agreement with the offending Member(s). We take no responsibility for Your exposure to Content on the Site or through the Services whether it violates our content policies or not.

6. General Rules of User Conduct. It is our goal to make access to our Site and Services a good experience for Visitors and all of our Members. Correspondence between Members is for the sole purpose of connecting Care Seekers, Care Providers and other Members for purposes relating a Care Seekers home care. If You receive the personal information of any other Member through the use of the Services, You may use the information solely as necessary to conduct a transaction through the Site and Services. You may not use another Member’s personal information for any other purpose. You agree not to, and represent and warrant that You will not reproduce, duplicate, copy, sell, resell or exploit any portion of the Site or Services, use of the Site or Services or access to the Site or Services for any purposes other than for which the Site or Services are being provided to You, or do any of the following:

• • Recruit, solicit or contact any Member for employment or contracting for a business not affiliated with Debt Quest USA LLC;
  • Contact other Members for any purpose other than as set forth in this Terms of Use;
  • Harass, intimidate or otherwise engage in illegal or offensive behavior with respect to any other Member;
  • Conduct or promote any illegal activities while using the Site or Services;
  • Upload, distribute or print anything that may be harmful to minors;
  • Attempt to reverse engineer or jeopardize the correct functioning of the Site, or otherwise attempt to derive the source code of the software (including the tools, methods, processes, and infrastructure) that enables or underlies the Site;
  • Attempt to gain access to secured portions of the Site or Services to which You do not possess access rights;
  • Upload or transmit any form of virus, worm, Trojan horse, or other malicious code;
  • Use the Site or Services to generate unsolicited email advertisements or spam; allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam);
  • Use the Site or Services to stalk, harass or harm another individual;
  • Use any high volume automatic, electronic or manual process to access, search or harvest information from the Site or Services (including without limitation robots, spiders or scripts);
  • Interfere in any way with the proper functioning of the Site and Services or interfere with or disrupt any servers or networks connected to the Site or Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Site or Services;
  • Use any robot, spider, other automatic device, or manual process to extract, “screen scrape,” monitor, “mine,” or copy any static or dynamic web page on the Site or the Content contained on any such web page for commercial use without our prior express written permission; and Debt Quest USA LLC reserves the right, in its sole discretion, to terminate Your use of the Site or assess a $10,000 daily penalty fee for violation of this provision;
  • Impersonate any person or entity, or otherwise misrepresent Your affiliation with a person or entity; or
  • Mirror or frame the Site or any Content, place pop-up windows over its pages, or otherwise affect the display of its pages.
  • Debt Quest USA LLC follows an equal opportunity employment policy and employs personnel without regard to race, creed, color, ethnicity, national origin, religion, sex, sexual orientation, gender expression, age, height, weight, disability status, veteran status, military obligations, and marital status.
  • Debt Quest USA LLC is committed to serving all clients, their caregivers and family members, regardless of race, ethnicity, sex, age, religion, national origin, mental or physical ability, sexual orientation, gender identity and expression, ancestry, military discharge status, marital status, source of income, housing status or other protected classification.

7. 7. PAYMENTS.

The Site and basic Services of Debt Quest USA LLC, including access to the Debt Quest USA LLC social network and Debt Quest USA LLC Forum, are free for Members. Premium services, including secure messaging, shift scheduling, time management, invoicing and payment processing services (collectively,”Premium Services”) are available to Care Seekers for a fee. By using our Premium Services, Care Seeker agrees to pay Debt Quest USA LLC at the fees then in effect unless specifically notified otherwise. Debt Quest USA LLC reserves the right, at any time, to modify its fees and/or billing methods. In exchange for the Premium Services, Care Seeker authorizes Debt Quest USA LLC to deduct the then-current fee from all payments processed by Debt Quest USA LLC or a third party service provider on Care Provider’s behalf.

Premium Memberships may be automatically extended for successive renewal periods of the same duration as the membership originally selected (as indicated at the time of sign-up). IF YOU SIGN UP FOR A MEMBERSHIP THAT IS SUBJECT TO AUTOMATIC RENEWAL, YOU AGREE THAT THE TERM OF SUCH MEMBERSHIP OR FEATURE WILL BE AUTOMATICALLY RENEWED AT THE END OF EACH TERM UNLESS AND UNTIL YOU CANCEL PRIOR TO THE END OF THE CURRENT TERM. BY CALLING Debt Quest USA LLC AT 1-866-991-3655, BY EMAILING AT mspivak@debtquest.com, OR THROUGH YOUR ACCOUNT SETTINGS. Upon automatic renewal, you authorize Debt Quest USA LLC to charge your selected payment method the then current applicable fee in accordance with membership plan you selected. Upon cancellation, you will have access to the membership benefits until the end of the then-current membership term, and the membership will not be renewed after that term expires. You will not be eligible for a refund of any portion of the membership fees paid for the then-current membership period. Debt Quest USA LLC is not responsible for and will not reimburse any fees incurred by you from you bank or other financial institution, including without limitation overdraft charges, insufficient funds charges, interest charges, or finance charges, which may have occurred as a result of charges billed by Debt Quest USA LLC.

If Care Provider uses our Premium Services to manage their home care services, then:

• • At the end of each billing period, an invoice is created for each Care Seeker to whom the Care Provider provided care during such period;
  • Each invoice is made available to the applicable Care Seeker through the Site and an email with the invoice will be sent to the Care Seeker for review.
  • The Care Seeker reviews the invoice and, if approved, provides his or her credit card information to pay the invoice;
  • Upon Debt Quest USA LLC’s receipt of (i) approval of the invoice from Care Seeker, (ii) credit card information to pay the invoice from Care Seeker and (iii) authorization from Care Seeker for Debt Quest USA LLC or its service provider to charge their credit card for the invoiced payment amount, then Debt Quest USA LLC, or a third party service provider, will (i) charge the Care Seeker’s credit card for the approved amount and (ii) deposit the amount charged less the applicable Debt Quest USA LLC fee into a Debt Quest USA LLC account.
  • Care Provider’s funds will be scheduled to be automatically deposited into Care Provider’s bank account according to the bank details provided by Care Provider, if the Care Seeker payment is made before 2:00pm Pacific Time. If the payment is made after 2:00pm Pacific Time then the funds will be scheduled to deposited into the Care Provider bank account on the following business day. The time it takes for the funds to show in the Care Providers bank account will be typically 1-2 business days, depending on their financial institution.
  • Care Seeker’s credit card will be automatically charged in subsequent billing periods upon Care Seeker’s approval of each invoice or the expiration of the review period. The Care Seeker has a review period of 4 days after invoice submission date to review and reject each Invoice submitted by their Care Provider. If the Care Seeker doesn’t reject the invoice within the 4-day review period, then the outstanding Invoice is considered Approved and the Care Seeker authorizes Debt Quest USA LLC to automatically charge their card for the amount due to their Care Provider and applicable Debt Quest USA LLC fees.
  • Care Provider is solely responsible for the accuracy of his or her bank details, including Care Provider’s bank account number and bank routing number. Debt Quest USA LLC expressly disclaims all liability related to errors in fund deposits due to inaccurate or incomplete bank details submitted by Care Provider.

  Debt Quest USA LLC is not responsible for and will not reimburse any fees incurred by Care Provider or Care Seeker from their bank or other financial institution, including without limitation overdraft charges, insufficient funds charges, interest charges, or finance charges, which may have occurred as a result of charges billed by Debt Quest USA LLC.

  Debt Quest USA LLC reserves the right to correct any errors in the payment of Debt Quest USA LLC fees even if it has already requested and/or received payment. Care Provider will remain responsible for the Debt Quest USA LLC fee and any other applicable fees in connection with any refund or chargeback of a Care Seeker’s payment.

  Debt Quest USA LLC may use third party payment processing services to process credit card information. Debt Quest USA LLC expressly disclaims any and all liability for any claims or damages related to Debt Quest USA LLC’s use of third party payment processing services, including without limitation any damage that may result should any such information be released to any third parties.

  For purposes of clarity, the Premium Services provided by Debt Quest USA LLC to Care Provider do not include any services related to submitting claims for reimbursement from any third party payer. In addition, no Care Provider may make any claim for reimbursement from any third party payer, including any private or governmental insurance provider, in connection with the services provided to any Care Seeker by such Care Provider.

8. TEXT MESSAGES. Debt Quest USA LLC may send Members SMS text messages in connection with the Services or otherwise. Receipt of the SMS text messages from Debt Quest USA LLC is voluntary. By deciding to receive SMS text messages from Debt Quest USA LLC, You give Debt Quest USA LLC express permission to send SMS text messages to Your cellular phone and/or mobile device. Additionally, You do hereby represent, understand and expressly agree that Debt Quest USA LLC does not have control over or assume any responsibility for the quality, accuracy, or reliability of this Service. Carrier charges may apply for receiving SMS text messages. You are solely responsible for any costs You incur when receiving SMS text messages from Debt Quest USA LLC.
9. Debt Quest USA LLC FORUM. Debt Quest USA LLC Members may use the Debt Quest USA LLC Forum Service designed to facilitate communication between Care Seekers and their families with Care Providers and other Members that the Care Seeker wishes to share information with, such as their healthcare providers. The Debt Quest USA LLC Forum includes discussion forums, document sharing, posting announcements, scheduling events and related Services. Your use of the Debt Quest USA LLC Forum is governed by this Agreement.
10. NO PROFESSIONAL ADVICE. All information, materials, content and/or advice on the Site or provided through the Services is for informational purposes only and is not intended to replace or substitute for any professional, financial, medical, legal or other advice. Debt Quest USA LLC expressly disclaims, and You expressly release Debt Quest USA LLC from, any and all liability concerning any treatment, action by, or effect on any person following the information offered or provided within or through the Site. You should consult with an appropriately trained specialist for all concerns that require professional or medical advice.
11. PROMOTIONAL OFFERS. We may run promotional offers from time to time on the Site. The terms of any such promotion will be posted on the Site. Unless otherwise indicated, we may establish and modify, in our sole discretion, the terms of such offer and end such offer at any time.
12. MODIFICATIONS TO THE SITE OR SERVICES. We reserve the right to modify or discontinue the Site or Services with or without notice to You. We will not be liable to You or any third party should we exercise our right to modify or discontinue the Site and/or Services. If You object to any such changes, Your sole recourse will be to cease access to the Site or Services. Continued access to the Site or Services following notice of any such changes will indicate Your acknowledgement of such changes and satisfaction with the Site or Services as so modified.
13. Third Party Content and Other Websites. Content from other MEMBERS, advertisers, and other third parties may be made available to You through the Site AND/OR THE SERVICES. Because WE DO NOT control such content, You agree that we ARE NOT responsible for any such content. WE DO NOT MAKE ANY guarantees about the accuracy, currency, suitability, or quality of the information in such content, and we assume no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content made available by other MEMBERS, advertisers, and other third parties OR VIOLATION OF ANY THIRD PARTY RIGHTS RELATED TO SUCH CONTENT. The Site and Services may contain links to websites not operated by US. We are not responsible for the content, products, materials, or practices (including privacy practices) of such websites. You understand that by using the Site and/or Services You may be exposed to third-party websites that You find offensive, indecent or otherwise objectionable. We make no warranty, representation, endorsement, or guarantee regarding, and accept no responsibility for, the quality, content, nature or reliability of third party websites, products or services accessible by hyperlink OR OTHERWISE from the Site or Services. We provide these links for Your convenience only and we do not control such websites. Our inclusion of links to such websites does not imply any endorsement of the materials on such third party websites or any association with their operators. It is Your responsibility to review the privacy policies and terms of use of any other website You visit. You agree that in no event will we be liable to You in connection with any websites, content, products, materials, or practices of any third party, including other MEMBERS.
14. SUSPENSION/TERMINATION. You agree that we, in our sole discretion, may immediately suspend or terminate Your access to the Site and Services at any time, for any reason, without notice or refund. YOU AGREE THAT Debt Quest USA LLC WILL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY SUSPENSION OR TERMINATION OF YOUR ACCESS TO THE SITE OR SERVICES OR DELETION OF YOUR ACCOUNT OR YOUR CONTENT. SUSPENSION OR TERMINATION OF YOUR ACCOUNT WILL IN NO WAY MODIFY, CHANGE OR VOID ANY PAYMENT OBLIGATIONS YOU MAY HAVE INCURRED THROUGH YOUR USE OF THE SITE OR ANY SERVICES, WHETHER SUCH OBLIGATION IS TO Debt Quest USA LLC OR A THIRD PARTY.
15. DISCLAIMER OF WARRANTIES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND/OR SERVICES IS AT YOUR SOLE RISK. BOTH THE SITE AND SERVICES ARE PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, NON-INFRINGEMENT, TITLE, OPERABILITY, CONDITION, QUIET ENJOYMENT, VALUE, ACCURACY OF DATA AND SYSTEM INTEGRATION. WE MAKE NO WARRANTY THAT THE SITE AND/OR SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SITE AND/OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR SERVICES, OR THAT DEFECTS IN THE SITE OR SERVICES WILL BE CORRECTED. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE OR SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SERVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR INFORMATION.NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE, SERVICES, OR OTHERWISE WILL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THESE TERMS OF USE. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES ABOUT PROTECTION OF YOUR DATA NOR GUARANTEE DATA AVAILABILITY WHATSOEVER. YOU BEAR THE SOLE RESPONSIBILITY AND LIABILITY FOR MAINTAINING BACKUP OR ARCHIVE COPIES OF YOUR DATA AND/OR SUBMISSIONS TO THE SITE AND SERVICES. IN ADDITION, Debt Quest USA LLC ADVISES YOU TO BE CAREFUL ABOUT WHEN AND HOW YOU MEET OTHER MEMBERS, PARTICULARLY WHEN MEETING IN PERSON.
16. LIMITATION OF LIABILITY. YOU ACKNOWLEDGE AND AGREE THAT WE ARE ONLY WILLING TO PROVIDE ACCESS TO THE SITE AND TO PROVIDE THE SERVICES IF YOU AGREE TO CERTAIN LIMITATIONS OF OUR LIABILITY TO YOU AND TO THIRD PARTIES. YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL WE OR OUR OFFICERS, EMPLOYEES, DIRECTORS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA, LOST REAL ESTATE OPPORTUNITIES, OR BUSINESS INTERRUPTIONS OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY), ARISING OUT OF OR RELATED TO YOUR USE OF OR ACCESS TO, OR THE INABILITY TO USE OR TO ACCESS, THE SITE OR THE SERVICES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. WE WILL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND THIRD PARTY MERCHANTS OR SERVICE PROVIDERS OR FOR ANY INFORMATION APPEARING ON THIRD PARTY MERCHANT OR SERVICE PROVIDER SITES OR ANY OTHER SITE LINKED TO OUR SITE. IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY IN CONNECTION WITH ANY ACT OR OMISSION OF ANY MEMBER. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE OR THE SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE AND THE SERVICES. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE OR THE SERVICES IS LIMITED, IN THE AGGREGATE, TO FIFTY DOLLARS (U.S. $50.00). Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to You. To the extent that we may not, as a matter of applicable law, disclaim any implied warranty or limit liabilities, the scope and duration of such warranty and the extent of our liability will be the minimum permitted under such applicable law.WE reserve the right, but haVE no obligation, to monitor, or take any APPROPRIATE action regarding, disputes that You may have with MEMBERS, service providers or other customers.Without limiting the foregoing, under no circumstances WILL WE or our licensors be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, OR non-performance of third parties.
17. INDEMNIFICATION. You agree to indemnify, defend and hold harmless Debt Quest USA LLC, our parents, subsidiaries, affiliates, officers, directors, co-branders and other partners, employees, consultants and agents, from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) that such parties may incur as a result of or arising from (a) any of Your Content and/or information that You submit, post or transmit through the Site or Services, (b) Your use of the Site or Services, (c) Your violation of these Terms of Use, (d) Your violation of any rights of any other person or entity or (e) any viruses, trojan horses, worms, time bombs, cancelbots or other similar harmful or deleterious programming routines input by You into the Site or Services.
18. COPYRIGHT VIOLATIONS. We respect the intellectual property of others, and we ask You to do the same. If You believe that Your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:

• • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • a description of the copyrighted work that You claim has been infringed;
  • a description of where the material that You claim is infringing is located on the Site or Services;
  • Your address, telephone number, and email address;
  • a statement by You that You have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  • a statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright owner or authorized to act on the copyright owner’s behalf.

  Our Copyright Agent for notice of claims of copyright infringement on the Site or Services can be reached by directing an e-mail to mspivak@debtquest.com.

19. Electronic Communications. The communications between You and us use electronic means, whether You visit the Site or send us emails, or whether we post notices on the Service or communicate with You via email. We can only give You the benefits of our service by conducting business through the Internet, and therefore we need You to consent to our giving You Communications electronically. This Section 19 informs You of Your rights when receiving Communications from us electronically. For contractual purposes, You (a) consent to receive communications from us in an electronic form; and (b) agree that all terms and conditions, agreements, notices, documents, disclosures, and other communications (“Communications”) that we provide to You electronically satisfy any legal requirement that such Communications would satisfy if it were in a writing. Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of Your interactions and transactions with us. The foregoing does not affect Your non-waivable rights. You may also receive a copy of these Terms of Use by accessing this Site. You may withdraw Your consent to receive Communications electronically by contacting us in the manner described below. If You withdraw Your consent, from that time forward, You must stop using the Site and Services. The withdrawal of Your consent will not affect the legal validity and enforceability of any obligations or any electronic Communications provided or business transacted between us prior to the time You withdraw Your consent. Please keep us informed of any changes in Your email or mailing address so that You continue to receive all Communications without interruption.
20. NO THIRD PARTY BENEFICIARIES. You understand and agree that, except as otherwise expressly provided in this Agreement, there shall be no third party beneficiaries to this Agreement.
21. NO AFFILIATION. You acknowledge that You are not legally affiliated with Debt Quest USA LLC in any way, and no independent contractor, partnership, joint venture, employer-employee or franchiser-franchisee relationship is intended or created by Your use of the Site or Services or by this Agreement. Debt Quest USA LLC is not an employment service or agency and does not secure employment for Members.
22. General Terms. You are responsible for compliance with all applicable laws. The Terms of Use and the relationship between You and Debt Quest USA LLC will be governed by the laws of the State of California, without giving effect to any choice of laws principles that would require the application of the laws of a different country or state. Any legal action, suit or proceeding arising out of or relating to the Terms of Use, or Your use of the Site or Services must be instituted exclusively in the federal or state courts located in the San Francisco, California and in no other jurisdiction. You further consent to exclusive personal jurisdiction and venue in, and agree to service of process issued or authorized by, any such court. These Terms of Use are personal to You, and You may not transfer, assign or delegate Your right and/or duties under these Terms of Use to anyone else and any attempted assignment or delegation is void. You acknowledge that we have the right hereunder to seek an injunction, if necessary, to stop or prevent a breach of Your obligations hereunder. The paragraph headings in these Terms of Use, shown in boldface type, are included only to help make these Terms of Use easier to read and have no binding effect. Any delay or failure by Debt Quest USA LLC to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of such right or provision. No waiver by us will have effect unless such waiver is set forth in writing, signed by us; nor will any such waiver of any breach or default constitute a waiver of any subsequent breach or default. These Terms of Use constitute the complete and exclusive agreement between You and Debt Quest USA LLC with respect to the subject matter hereof, and supersedes all prior oral or written understandings, communications or agreements. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or portion thereof, to be unenforceable, that provision of the Terms of Use will be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remainder of these Terms of Use will continue in full force and effect.
23. SURVIVAL. All provisions that by their nature survive expiration or termination of these Terms of Use shall so survive, including without limitation, Section 2, Section 3, all limitations on liability explicitly set forth herein and our proprietary rights in and to the Site, Content provided by us, Our Technology and the Services.
24. NOTICE; CONTACT INFORMATION. We may give notice to You by email, a posting on the Site, or other reasonable means. You must give notice to us in writing via telephone at 1(800) 736-0680, email to mspivak@debtquest.com or as otherwise expressly provided. Please report any violations of these Terms of Use to mspivak@debtquest.com.