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Terms of Service

Last Updated: October 27, 2025

Welcome to ScaledDebt. These Terms of Service ("Terms") govern your access to and use of our website, services, and any related content provided by ScaledDebt ("we," "our," or "us"). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our services.

2. Description of Services

ScaledDebt is a B2B digital marketing agency that provides:

• High-quality call generation services for debt settlement agencies
• Live call transfer services
• Strategic media buying and campaign management
• Call center optimization consulting
• Compliance management and support
• Performance analytics and reporting

Important: ScaledDebt does NOT provide direct debt relief services to consumers. We exclusively serve debt settlement agencies and call centers.

3. Eligibility

Our services are available only to:

• Businesses and organizations (not individual consumers)
• Licensed debt settlement agencies and call centers
• Entities that are 18 years or older and have legal capacity to enter into contracts
• Entities operating in compliance with federal and state regulations

4. Service Agreement

4.1 Contracts and Proposals

Detailed service agreements will be provided in separate contracts. These Terms supplement but do not replace individual service agreements.

4.2 Service Delivery

We will use commercially reasonable efforts to provide services as described in your service agreement. Service levels, volume, and quality may vary based on market conditions, compliance requirements, and other factors.

4.3 Compliance Requirements

Clients must:

• Maintain all required licenses and permits
• Comply with TCPA, TSR, and applicable state regulations
• Provide accurate information about their business and services
• Use calls and leads in compliance with all applicable laws

5. Fees and Payment

5.1 Pricing

Pricing is specified in individual service agreements and may be based on:

• Cost per call
• Monthly retainer fees
• Performance-based pricing
• Custom arrangements

5.2 Payment Terms

Unless otherwise specified:

• Invoices are payable within 15 days of receipt
• Late payments may incur interest charges of 1.5% per month
• Services may be suspended for non-payment
• All fees are non-refundable unless otherwise stated

5.3 Taxes

Client is responsible for all applicable taxes, duties, and assessments.

6. Call Quality and Performance

6.1 Quality Standards

We strive to provide high-quality calls meeting agreed-upon criteria. However, we do not guarantee:

• Specific conversion or enrollment rates
• That all calls will result in enrollments
• Specific revenue outcomes

6.2 Call Disputes

Disputes regarding call quality must be reported within 48 hours of call delivery with supporting documentation.

7. Intellectual Property

All content, trademarks, logos, and intellectual property on our website and in our services remain the property of ScaledDebt. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Reverse engineer our technology or processes

8. Confidentiality

Both parties agree to:

• Maintain confidentiality of proprietary information
• Not disclose confidential information to third parties
• Use confidential information only for the purposes of the business relationship

9. Data and Compliance

9.1 TCPA Compliance

All calls are generated in compliance with the Telephone Consumer Protection Act (TCPA). We:

• Obtain express written consent for all calls
• Maintain detailed records and documentation
• Honor Do Not Call lists
• Provide compliance documentation upon request

9.2 Data Protection

We handle all data in accordance with our Privacy Policy and applicable data protection laws including GDPR and CCPA.

10. Representations and Warranties

Client represents and warrants that:

• It has all necessary licenses and permits to operate
• It will use our services in compliance with all applicable laws
• Information provided to us is accurate and complete
• It has authority to enter into this agreement

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim
• We are not liable for indirect, incidental, special, or consequential damages
• We are not liable for lost profits, revenue, or business opportunities
• We are not responsible for third-party actions or inactions

12. Indemnification

Client agrees to indemnify and hold harmless ScaledDebt from claims, damages, and expenses arising from:

• Client's use of our services
• Client's violation of laws or regulations
• Client's breach of these Terms
• Third-party claims related to client's business practices

13. Term and Termination

13.1 Term

These Terms remain in effect while you use our services or until terminated as described herein.

13.2 Termination by You

You may terminate services with 30 days' written notice, subject to your service agreement terms.

13.3 Termination by Us

We may terminate or suspend services immediately if you:

• Breach these Terms or your service agreement
• Fail to pay fees when due
• Engage in illegal or fraudulent activities
• Damage our reputation or business relationships

13.4 Effect of Termination

Upon termination:

• All outstanding fees become immediately due
• Services will cease
• Confidentiality obligations continue
• No refunds are provided unless otherwise agreed

14. Dispute Resolution

14.1 Informal Resolution

Parties agree to attempt to resolve disputes informally before pursuing legal action.

14.2 Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in a class action.

15. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to conflict of law principles. Any legal action must be brought in the courts of [Your State].

16. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or website notice. Continued use of services after changes constitutes acceptance of modified Terms.

17. Miscellaneous

17.1 Entire Agreement

These Terms, together with your service agreement and Privacy Policy, constitute the entire agreement between you and ScaledDebt.

17.2 Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

17.3 Waiver

Failure to enforce any provision does not constitute a waiver of that provision.

17.4 Assignment

You may not assign these Terms without our written consent. We may assign these Terms to any successor or affiliate.

17.5 Force Majeure

Neither party is liable for failure to perform due to circumstances beyond reasonable control.

18. Contact Information

For questions about these Terms, please contact us:

ScaledDebt
Email: info@scaleddebt.com
Phone: (564) 544-8770
Business Hours: Monday-Friday, 8AM-8PM EST

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.