Terms & Conditions

Acceptance of These Terms

Welcome to LightPath Debt Relief ("LightPath," "we," "our," or "us"). These Terms & Conditions ("Terms") govern your access to and use of our website and the services offered through it.

By accessing or using this website, submitting your information, or requesting a consultation, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please discontinue use of the website.

Eligibility

By using this website, you represent and warrant that:

• You are at least 18 years of age.
• You have the legal capacity to enter into agreements.
• The information you provide is accurate, truthful, and complete.
• You will promptly notify us if your information changes.

Our Services

LightPath Debt Relief is a debt settlement services company that helps consumers explore options for resolving unsecured debt.

We may coordinate your debt relief program with affiliated program providers, independent account administrators, and other authorized service providers who assist with:

• Evaluating eligibility
• Program enrollment
• Debt negotiations
• Account administration
• Customer service
• Program servicing

By requesting services or enrolling in a program, you authorize LightPath to share your information with these partners as reasonably necessary to evaluate, establish, and administer your debt relief program.

No Legal, Tax, or Financial Advice

The information provided on this website is for general informational purposes only.

Nothing contained on this website constitutes legal advice, tax advice, accounting advice, investment advice, or individualized financial advice.

Your use of this website does not create an attorney-client relationship, fiduciary relationship, or financial advisory relationship with LightPath.

You should consult your own attorney, tax professional, or financial advisor regarding your specific circumstances.

No Guarantee of Results

Debt settlement results vary significantly from one consumer to another.

LightPath does not guarantee:

• That all creditors will participate
• That debts will be settled
• Any specific settlement percentage
• Any particular amount of savings
• The length of time required to complete a program
• That legal action by creditors will not occur

Participation in a debt settlement program may negatively affect your credit score and creditworthiness. Interest, penalties, and collection efforts may continue while accounts remain unresolved.

Not every consumer qualifies for every debt relief program.

Fees

Program fees are fully disclosed before enrollment.

LightPath does not charge settlement fees until:

• A debt has been successfully settled;
• You have approved the settlement; and
• The applicable legal and contractual requirements for charging fees have been satisfied.

Any applicable fees will be explained in your enrollment documents.

User Responsibilities

By using this website, you agree to:

• Provide truthful and accurate information.
• Maintain current contact information.
• Review all enrollment documents carefully.
• Ask questions if you do not understand any aspect of the program.
• Use the website only for lawful purposes.

You agree not to:

• Misrepresent your identity.
• Submit false information.
• Attempt to interfere with website security.
• Introduce malicious software or harmful code.
• Use the website in violation of applicable laws.

Electronic Communications

By submitting your contact information, you consent to receive communications from LightPath by email, telephone, and, where permitted and with your consent, text message regarding your inquiry, account, or services.

Electronic communications may satisfy any legal requirement that communications be in writing.

Your consent to receive communications is not a condition of purchasing services.

You may opt out of marketing communications at any time using the instructions provided in the communication or by contacting us directly.

Intellectual Property

All content on this website, including text, graphics, logos, icons, images, software, page layouts, and other materials, is owned by or licensed to LightPath Debt Relief and is protected by applicable intellectual property laws.

You may view, download, or print material solely for your personal, non-commercial use.

You may not reproduce, distribute, modify, publish, transmit, or exploit any website content without prior written permission from LightPath.

Third-Party Websites

This website may contain links to third-party websites for your convenience.

LightPath does not own, operate, or control these websites and is not responsible for their content, privacy practices, products, or services.

Your use of third-party websites is at your own risk.

Website Availability

We strive to maintain continuous website availability but do not guarantee uninterrupted access.

We reserve the right to modify, suspend, discontinue, or restrict access to any portion of the website at any time without prior notice.

Disclaimer of Warranties

This website and all content provided through it are offered on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, LightPath disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement.

We do not warrant that:

• The website will always be available.
• The website will be error-free.
• Defects will be corrected.
• The website will be free from viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, LightPath shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of this website or our services.

Our total liability for claims arising from your use of the website shall not exceed the amount paid by you directly to LightPath for services giving rise to the claim, if any.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Please review our Privacy Policy to understand how we collect, use, disclose, and safeguard your personal information.

Service Availability

Our services are offered only in states where they may legally be provided.

Service availability varies by state, and eligibility is determined during your consultation.

LightPath reserves the right to decline or discontinue services where required by law or business policy.

Changes to These Terms

We may revise these Terms at any time.

When changes are made, we will update the "Last Updated" date at the top of this page.

Your continued use of the website after changes become effective constitutes acceptance of the revised Terms.

Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

Force Majeure

LightPath shall not be responsible for delays or failures in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, labor disputes, internet outages, cyberattacks, telecommunications failures, or other events beyond our control.

Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable to the state in which LightPath Debt Relief is organized and operates, without regard to its conflict of law principles, except where federal law requires otherwise.

Entire Agreement

These Terms, together with our Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement regarding your use of this website.

Contact Us

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

LightPath Debt Relief

Email: info@lightpathdebtrelief.com

Website: https://lightpathdebtrelief.com