Terms & Conditions.

Effective 2026. By accessing and using Debt Down Credit Up services, you agree to be bound by these Terms & Conditions. Please read them carefully before engaging any of our financial products or advisory services.

To use our financial services, you must be at least 18 years of age, a legal resident of a supported jurisdiction, and possess valid government-issued identification. You agree to provide accurate, complete, and current information during account opening and to update such information when it changes. Each individual may maintain only one personal account, and business accounts require valid registration documents and authorized signer verification.

All loan approvals are subject to creditworthiness assessment, income verification, and debt-to-income ratio evaluation. Interest rates, loan amounts, and repayment terms are determined based on your credit profile and are disclosed in your loan agreement before signing. Late payments may incur fees of up to 5% of the missed payment and may be reported to credit bureaus. Prepayment is allowed without penalty on most products, and loan refinancing is available after 6 months of on-time payments.

All investment products including mutual funds, stocks, and gold involve risk, including possible loss of principal. Past performance does not guarantee future results, and no representation is made regarding the profitability of any investment strategy. Our robo-advisor and human advisor recommendations are based on information you provide and may not be suitable for all investors. You are encouraged to diversify your portfolio and consult independent tax advisors regarding investment tax implications.

Insurance coverage is subject to the specific terms, conditions, exclusions, and deductibles outlined in each individual policy document. Debt Down Credit Up acts as a licensed insurance broker and is not the underwriter of the policies. Claims processing, coverage limits, and payout terms are determined by the issuing insurance carrier. We facilitate the application and claims process but final claim decisions rest with the underwriter. Policy cancellations within the free-look period receive full premium refunds as per regulatory requirements.

Wealth management advisory fees range from 0.75% to 1.25% annually on assets under management, billed quarterly in advance. Fees are disclosed in your advisory agreement and may be negotiated for portfolios above $1 million. We do not receive commissions from mutual fund houses or insurance carriers, ensuring our recommendations are conflict-free. Performance-based fees are available only for qualified accredited investors under separate agreements.

Credit and debit card services are provided in partnership with regulated issuing banks. Card usage is subject to daily transaction limits, currency conversion fees for international transactions, and chargeback procedures as defined by card network rules. Mobile wallet and P2P transfer services have per-transaction and daily limits that may vary based on your verification level. Payment gateway services for businesses require separate merchant agreements and are subject to underwriting approval.

Debt relief services including consolidation, settlement, and bankruptcy guidance are provided by certified counselors. Settlement outcomes vary based on individual circumstances and creditor willingness, and we do not guarantee specific reduction percentages. While enrolled in a settlement program, your credit score may be negatively impacted, and creditors may pursue collection activities. All fees for debt relief services are disclosed upfront and are charged only after successful settlement, in compliance with the Federal Trade Commission's Telemarketing Sales Rule.

Home and auto warranty plans are service contracts, not insurance policies, and coverage is limited to the specific items and components listed in your contract. Pre-existing conditions, improper maintenance, and cosmetic damage are typically excluded. Claims require inspection and approval before repairs are authorized. Service fees or deductibles apply per claim, and coverage limits vary by plan tier. Cancellation is available within 30 days of purchase for a full refund, with prorated refunds available thereafter.

Our total liability for any claim arising from financial services shall not exceed the fees paid by you to Debt Down Credit Up in the 12 months preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including lost investment opportunities or market losses. We are not responsible for losses caused by factors beyond our reasonable control, including market volatility, regulatory changes, or third-party service provider failures.

You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account. You must enable multi-factor authentication and notify us immediately of any unauthorized access or suspicious activity. We are not liable for losses resulting from your failure to safeguard credentials or from unauthorized access due to weak passwords. We may temporarily suspend account access if we detect suspicious activity pending verification.

You may close your account at any time by submitting a closure request through your dashboard, subject to settlement of all outstanding obligations including loan balances, pending insurance premiums, and unsettled investment trades. We reserve the right to terminate or suspend accounts in cases of fraud, regulatory non-compliance, abusive behavior toward staff, or violation of these Terms. Upon closure, your data is retained as required by law and then deleted in accordance with our retention schedule.

We reserve the right to update or modify these Terms & Conditions at any time to reflect changes in our services, regulatory requirements, or business practices. Material changes that affect your rights or obligations will be communicated via email and in-platform notification at least 14 days before taking effect. Continued use of our services after the effective date of any changes constitutes acceptance of the updated Terms. You may close your account if you do not agree with the modifications.