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Terms of Use
Effective Date: 12th of March 2026
Welcome to Key 2 Debt Free - the website that is going to be your go to for all things debt-free. These Terms of Use (“Terms”) are the rules that govern how you can use our website at key2debtfree.com and any related pages, forms, consultations, emails and services that we throw at you (collectively, the “Website”).
By choosing to use this Website, you agree to be bound by these Terms. If you dont agree, then maybe its best to just stick with your current financial situation.
1. Using the Website
You can use this Website for as long as you like, as long as its for lawful purposes and you follow the rules outlined in these Terms. You agree not to do anything that could damage the Website or slow it down or make it hard for anyone else to use it for themselves.
You also agree to not do the following:
use the Website for anything dodgy or unfair
try to get access to bits of the Website that you ain't supposed to
copy or use any of the content on the Website for commercial purposes without us giving you the green light first
send us any fake or dodgy information through contact forms or other communications
2. Informational Website
Key 2 Debt Free is just a website that provides general information and educational content about services like financial consulting, student loan relief guidance, credit wellness, tax/trust/asset protection education, and other financial shenanigans. None of this stuff is intended to be taken as:
legal advice from a professional
tax advice from a certified accountant
investment advice from a financial expert
accounting advice from a number cruncher
debt settlement services from a professional
or any guarantee of financial success
Your financial situation is unique and special and you should talk to a professional before making any big decisions based on anything you read on this Website. Just be sensible about it.
3. No Guarantee of Results
We cant guarantee any specific outcome from using our Website or services. Its like trying to predict the lottery - it just aint gonna happen. This includes stuff like:
a magic credit score increase
student loan forgiveness or discharge approval
a payment reduction
approval for any particular program
tax savings
trust or asset protection success
loan approvals
or any kind of financial success
Any testimonials or examples or case studies that are shown on the Website are just for illustration purposes. Past results dont guarantee future outcomes.
4. Client Relationship
Just because you send us a message or schedule a consultation or talk to our team, doesnt mean that you are automatically a client of Key 2 Debt Free. We need to sign a written service agreement with you first before we can start working together. And if we decide that we dont want to work with you, then that is our prerogative.
5. User Submissions
If you send us some information through the Website, like details on a contact form or a consultation request or some other communication, you represent that:
the information is true and accurate to the best of your knowledge
you have the right to give us that information
it dont violate any laws or other peoples rights
You agree that we can use the information that you submit to respond to your inquiry and other business-y stuff, subject to our Privacy Policy.
6. Privacy
Using this Website means that you are also bound by our Privacy Policy - which explains how we collect and use information about you. By using the Website, you are consenting to us collecting and using your information as outlined in that policy.
7. Intellectual Property
All the content on this Website, including text, graphics, design, logos, layout, branding, service descriptions, images, downloadable materials, and other stuff, is owned by Key 2 Debt Free or licensed to us and is protected by copyright and other intellectual property laws.
You can view and print out bits of the Website for your own use only. But you cant:
reproduce the Website
distribute it
modify it
create derivative works from it
publicly display it
or use it for commercial gain without our prior written permission.
8. Links and Platforms
We may link to other websites, social media platforms, scheduling tools or other external resources for your convenience. But we dont control or have any say in what they do, and we are not responsible for any of their terms and policies.
Using other websites is at your own risk.
9. No Warranties
This Website is provided on an "as is" and "as available" basis.To the fullest extent permitted by law , Key 2 Debt Free is disclaiming all warranties , whether those are express or implied , and that includes but isn't limited to :
A product being merchantable\
It being good for any particular use - that is , ' fit for purpose '\
Not infringing on others rights\
It being accurate or reliable\
It being available
We can't even promise that the website will be online all the time , or that it wont be hacked or get viruses .That's the reality of the online world.
10. Limitation of Liability
To the fullest extent allowed by law , Key 2 Debt Free & its owners, officers, employees, contractors, affiliates, agents, and reps wont be held liable for indirect or special damages that happen because of :
You using ( or not being able to use ) the website\
Relying on the website content\
Errors or omissions in the website content\
The website being down or slow\
Any financial, credit, tax or personal decisions you make
Our maximum liability for any claim related to the website is $100.
11. Indemnification
We expect you to defend, indemnify and hold harmless Key 2 Debt Free & its owners etc from any claims, liabilities, damages, or losses that happen as a result of your use of the website.
12. Compliance With Laws
You agree to use the website in compliance with all applicable laws and regulations , local, state, federal & international.
13. Geographic Scope
The website is run from the United States , and we make no claim that it's available or suitable for people in all jurisdictions . If you access the website from somewhere else , you're doing so at your own risk, and you must be compliant with local laws.
14. Modifications to the Website and Terms
We can modify, suspend or discontinue parts of the website without notice , and we may also make changes to these terms whenever we want. Once we post changes , they are effective. If you keep using the website after changes are posted , you agree to the new terms.
15. Termination
We can shut down , restrict or suspend your access to the website at any time without notice , if we think you've broken these terms or the law
16. Governing Law
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 principles.
17. Dispute Resolution
Any disputes arising out of or related to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction and venue of those courts.
18. Severability
If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy and any separate written service agreement you enter into with us, constitute the entire agreement between you and Key 2 Debt Free regarding your use of the Website.
20. Contact Information
If you have any questions about these Terms, you may contact:
Key 2 Debt Free
Phone: +1 (866) 952-5455
