Last Updated: December 15, 2025
Welcome to Consumer One. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing or using our services, you agree to be bound by these Terms.
PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.
By accessing our website, submitting our form, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Consumer One.
We reserve the right to modify these Terms at any time. Your continued use of our services after any changes constitutes your acceptance of the new Terms.
Consumer One operates as a lead generation and referral service. We connect consumers seeking debt relief assistance with third-party debt relief companies, service providers, and partners ("Partners"). We do not provide debt relief services directly.
We do not guarantee that:
Our Partners are independent third parties. We do not control, endorse, or guarantee the quality, legality, or safety of their services. Any agreement you enter into with a Partner is solely between you and that Partner.
You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are at least 18 years of age.
You agree to provide accurate, current, and complete information when submitting our form or communicating with us. You are responsible for maintaining the accuracy of your information and updating it as necessary.
You agree not to use our services for any unlawful purpose or in any way that:
By submitting our form, you expressly consent to us sharing your personal information with our Partners. This includes, but is not limited to:
By submitting our form, you consent to receive communications from our Partners, including:
You may receive communications from multiple Partners. Each Partner's use of your information is governed by their own privacy policy and terms of service.
You may opt out of future communications from us by following the unsubscribe instructions in our emails or by contacting us directly. However, we cannot control communications from Partners once your information has been shared. To stop communications from a Partner, you must contact that Partner directly.
Consumer One is a referral service only. We do not:
We strongly encourage you to:
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We disclaim all warranties, including but not limited to:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CONSUMER ONE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES.
This includes, but is not limited to, damages for:
IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100 OR THE AMOUNT YOU PAID TO US IN THE PAST 12 MONTHS, WHICHEVER IS GREATER.
We are not responsible for the actions, omissions, or services of our Partners. Any disputes, claims, or issues arising from your relationship with a Partner must be resolved directly with that Partner.
You agree to indemnify, defend, and hold harmless Consumer One, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
All content on our website, including text, graphics, logos, images, software, and design, is the property of Consumer One or its licensors and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:
Our website may contain links to third-party websites and services. We do not control, endorse, or assume responsibility for any third-party content, products, or services. Your use of third-party websites is at your own risk and subject to their terms and privacy policies.
Consumer One may receive compensation from Partners when we refer consumers to them. This compensation may be based on:
Our referral fees do not result in any additional cost to you. Any fees you pay are determined solely by the Partner you choose to work with.
Your use of our services 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, and protect your information.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice.
Upon termination:
These Terms shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law principles.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.
The arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitrator's decision will be final and binding.
YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE LIMITED TO THE DISPUTE BETWEEN YOU AND CONSUMER ONE INDIVIDUALLY. You waive any right to participate in a class action lawsuit or class-wide arbitration.
You may opt out of this arbitration agreement by sending written notice to us within 30 days of first using our services. The notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Consumer One regarding our services and supersede all prior agreements.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.
If you have any questions about these Terms, please contact us:
Consumer One
Email: legal@consumerone.com
Phone: 1-800-XXX-XXXX
Address: [Your Business Address]
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.
