Terms of Service

1. Agreement to Terms

By accessing or using the services provided by Payment Relief Solutions ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Description

Payment Relief Solutions provides business debt relief consultation and negotiation services, specifically focused on:

• Merchant Cash Advance (MCA) debt restructuring
• Unsecured business debt negotiation
• Creditor settlement services
• Financial consultation and planning

Important: We focus exclusively on business obligations, not personal debt.

4. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a business owner or authorized representative
• Have at least $20,000 in qualifying business debt
• Provide accurate and complete information
• Have the authority to enter into this agreement

5. Fees and Payment

Fees for our services will be clearly disclosed during the consultation process. By enrolling in our program, you agree to pay all applicable fees according to the payment schedule provided.

No Upfront Fees: We do not charge fees before services are rendered, in compliance with applicable regulations.

6. Communication Consent

Your consent to receive communications is not a condition of purchase or service. Message and data rates may apply.

7. Client Responsibilities

You agree to:

• Provide accurate, complete, and current information
• Respond promptly to requests for information or documentation
• Make required payments according to the agreed schedule
• Notify us of any changes to your contact information or financial situation
• Refrain from negotiating directly with creditors while enrolled in our program

8. Cancellation and Refunds

You may cancel our services at any time by providing written notice. Refund policies will be outlined in your service agreement. You will remain responsible for any fees for services already rendered.

Right to Cancel: You have the right to cancel within three business days of signing the service agreement for a full refund of any fees paid.

9. Limitation of Liability

To the fullest extent permitted by law, Payment Relief Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to our services. Our total liability shall not exceed the amount of fees paid to us for services.

10. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

11. Dispute Resolution

Any disputes arising from these Terms of Service or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

You retain the right to seek relief in small claims court for disputes within its jurisdiction.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and the state in which you reside, without regard to conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of material changes by posting the updated terms on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

14. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us: