Please read these Terms carefully because they are a binding agreement between You and Key2DebtFree.com, (“Key 2 Debt Free”, “Key 2 Debt Free, LLC” or “We”).

These Terms govern your use of the websites that link to these Terms. In these Terms, the word “Software” refers to the website located at https://Key2DebtFree.com, the Key 2 Debt Free application itself, and the services offered by the Software. You automatically agree to these Terms and to our Privacy Statement simply by using or logging into the Software.

Please note that we offer many services. Your use of Key 2 Debt Free products or services may be provided by Key 2 Debt Free, LLC pursuant to a separate manually or digitally-executed agreement. Those additional terms become part of your agreement with us, if you use the services or log into the Software.

A. Your Accounts

You may be required to create an account and specify a password in order to use certain services or features on the Software. To create an account, you must be at least 18 years old and you must provide truthful and accurate information about yourself. Don’t try to impersonate anyone else when you create your account. If your information changes at any time, please update your account to reflect those changes.

In some cases, an account may be assigned to you by an administrator, such as your employer or organization. If you are using or logging into an account assigned to you by an administrator, additional terms may apply to your use of the Software. Your administrator may be able to access or disable your account without our involvement. You may not share your account with anyone else. Please keep your password confidential, and try not to use it on other websites. If you believe that your account has been compromised at any time, please notify rjkatz@Key2DebtFree.com.

B. Data Collection & Display

Key2DebtFree.com will never share any information recorded by the Key 2 Debt Free, LLC software with any third party. Please note that by using the email features included with the Key 2 Debt Free, LLC software, including the “Find Leads” feature, your name, email address, and message content will be provided to the recipient of the email. Additionally, as a subscribed user of the Key 2 Debt Free, LLC software, your name, email address, and “Agent Code” is, by default, made available via search functions to other subscribed users of the Key 2 Debt Free, LLC software.

Your Key 2 Debt Free, LLC account is for your use only and cannot be shared or used by anyone else. You are solely responsible for maintaining the confidentiality of your username and password, and are entirely responsible for any and all activities under your account. You agree to notify Key 2 Debt Free, LLC immediately of any unauthorized use or any other breach of security involving your username and password or account. Key 2 Debt Free, LLC will not be liable for any loss incurred as a result of an unauthorized use of a username/password or account.

You acknowledge and agree that certain features of the Software are communal, and that your direct or indirect participation in such features creates no expectation of privacy. Further, you acknowledge that any Content you communicate via these features may be seen and used by other subscribed users. You understand that our staff and other Key 2 Debt Free, LLC users may participate in features or other aspects of the Software. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONAL INFORMATION OR OTHER CONTENT AVAILABLE THROUGH THE SOFTWARE, YOU DO SO AT YOUR OWN RISK.

C. Modifications and Termination

We reserve the right to modify our Software at any time, with or without notice to you. For example, we may add or remove functionality or features, and we may suspend or stop a particular feature altogether. We also reserve the right to charge a fee for any of our features at any time. If you don’t like any changes, you can stop using our Software at any time.

D. Content You Post

We may provide opportunities for you to post and transmit text, photographs, videos, or other content (collectively, “Content”) on the Software. You can only post Content if you own all the rights to that Content, or if another rights holder has given you permission.

You do not transfer ownership of your Content simply by posting it. However, by posting Content, you grant us, our agents, licensees, and assign an irrevocable, perpetual (non-exclusive) right and permission to reproduce, encode, store, copy, transmit, publish, post, display, modify and otherwise use your Content. Without those rights, we couldn’t offer our Services. Please note that this license expires if you stop using our Software.

You agree to indemnify, release, and hold us harmless from any and all liability, claims, actions, loss, harm, damage, injury, cost or expense arising out of any Content you post.

Keep in mind that if you send Key 2 Debt Free, LLC any information, ideas, suggestions, or other communications via email, those communications will not be confidential. Moreover, unless we tell you otherwise, we reserve the right to reproduce, use, disclose, and distribute such communications without any obligation to you.

E. Content Posted by Others

We are not responsible for, and do not endorse, Content posted by any other person. Accordingly, we may not be held liable, directly or indirectly, for any loss or damage caused to you in connection with any Content posted by another user.

F. Your Use of the Software

Please do not use the Software in a way that violates any laws, infringes on anyone’s rights, is offensive, or interferes with the Software or any features on the Software (including any technological measures we employ to enforce these Terms).

If we (in our sole discretion) determine that you have acted inappropriately, we reserve the right to take down Content, terminate your account, prohibit you from using the Software, and take appropriate legal actions.

Using our Software does not give you ownership of any intellectual property rights to the content you access. You may not use content from our Software unless you obtain permission from us or its owner, or unless you are otherwise permitted by law.

When you use Key2DebtFree’s Software or send communications to us, you are communicating with us electronically. You consent to receive electronically any communications related to your use of the Software. We may communicate with you by email or by posting notices on the Software. You agree that all agreements, notices, disclosures and other communications that are provided to you electronically satisfy any legal requirement that such communications be in writing. All notices from us intended for receipt by you shall be deemed delivered and effective when sent to the email address you provide to us. Please note that by submitting Content, creating a user account or otherwise providing us with your email address, postal address or phone number, you are agreeing that we or our agents may contact you at that address or number in a manner consistent with our Privacy Statement.

G. Intellectual Property

If you believe any Content on the Services infringes your copyrights, you may request that remove the Content from the Services (or disable access to that Content) by notifying Key 2 Debt Free, LLC at rjkatz@Key2DebtFree.com.

H. Social Networks

The Service may include features that operate in conjunction with certain third party social networking websites that you visit such as Facebook, Instagram, YouTube, Vimeo, and Twitter (“Social Network Features”). While your use of the Social Network Features is governed by these Terms, your access and use of third party social networking sites and the services provided through the Services is governed by the terms of service and other agreements posted on these sites. You are responsible for ensuring that your use of those sites complies with any applicable terms of service or other agreements.

I. Our Warranties and Disclaimers

We provide our Software using a commercially reasonable level of care and promise to do our best to make sure you enjoy the Software. But there are certain things that we don’t promise about our Software.

OTHER THAN AS EXPRESSLY SET OUT IN THESE TERMS OF SERVICE, NEITHER Key2DebtFree.com NOR ITS AGENTS OR SERVICE PROVIDERS (THE “SERVICES ENTITIES”) MAKE ANY SPECIFIC PROMISES ABOUT THE SOFTWARE. FOR EXAMPLE, WE DON’T MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SOFTWARE, THE SPECIFIC FUNCTION OF THE SOFTWARE, OR ITS RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE SOFTWARE “AS IS”.

SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES. J. Liability for our Services EXCEPT WHERE PROHIBITED, THE SERVICES ENTITIES SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THE SOFTWARE OR ANY THIRD PARTY’S USE OF THE SOFTWARE. THESE EXCLUSIONS INCLUDE, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOST DATA, COMPUTER FAILURE, OR THE VIOLATION OF YOUR RIGHTS BY ANY THIRD PARTY, EVEN IF THE SERVICES ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY THEREOF AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY UPON WHICH THE CLAIM IS BASED.

K. Additional Details

We may modify these Terms at any time so be sure to check back regularly. By continuing to use or log in to the Software after these Terms have changed, you indicate your agreement to the revised Terms. If you do not agree to the changes, you should stop using or logging in to the Software.

The Software may contain links to third-party websites. That doesn’t mean that we control or endorse those websites, or any goods or services sold on those websites.

If you do not comply with these Terms, and we don’t take action right away, this doesn’t mean we are giving up any rights that we may have (such as taking action in the future).

These Terms are governed by and construed in accordance with the laws of California, without regard to its conflict of laws rules. You expressly agree that the exclusive jurisdiction for any claim or dispute under these Terms and or your use of the Services resides in the courts located in Los Angeles, California, and you further expressly agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such claim or action. If it turns out that a particular provision in these Terms is not enforceable, that will not affect any other provision.

Key 2 Debt Free, LLC accepts and responds to any requests such as disclosure, correction, addition, or deletion and veto of use or provision of personal information (the “Disclosure Requests”) from the person who provided his/her personal information.

Contact for inquiries regarding Personal Information Handling: rjkatz@Key2DebtFree.com

These terms were last updated on January 1, 2024.