Effective Date: December 1, 2023
Last Updated: May 2, 2025

Welcome to Debtwave.org, an online platform operated and managed by DebtWave Credit Counseling, Inc., a 501(c)(3) nonprofit credit counseling agency, in partnership with Fitz Media Group LLC and MVP Digital Agency LLC, doing business as The VAM Group (collectively, the “Partners”).
By accessing or using this website (the “Site”), you agree to be bound by the following Terms and Conditions (“Terms”). Please read them carefully.

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1. About Debtwave.org

Debtwave.org is not a lender, creditor, or loan originator. It is a digital matching and educational platform that connects individuals with licensed and accredited debt relief and credit counseling service providers. All final terms, offers, or service conditions are provided by third-party affiliates or licensed professionals, not Debtwave.org.

Debtwave.org is operated by DebtWave Credit Counseling, Inc., which manages the operational infrastructure, compliance, and user experience. Fitz Media Group LLC and The VAM Group support marketing, media, and technical deployment.
Note: Service availability may vary by state.

2. Privacy

Our data handling practices are governed by our Privacy Policy, which complies with the Gramm-Leach-Bliley Act and other applicable consumer privacy regulations. By using this Site, you consent to the collection and use of your information as described in the Privacy Policy.

3. Electronic Communications

When you interact with Debtwave.org via email, form submissions, or other digital channels, you consent to receive communications from us electronically, including legally required notices.

4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us of any unauthorized access or suspicious activity. We reserve the right to suspend or terminate accounts without notice at our discretion.

5. Age Requirements

The Site is intended for individuals age 18 and older. We do not knowingly collect or solicit data from minors.

6. Permitted Use

You agree not to use the Site for any unlawful or prohibited purposes. This includes attempting to compromise system integrity, access data you are not authorized to access, or interfere with service availability.

7. Intellectual Property

All content on this Site—including text, images, code, and branding—is the property of DebtWave Credit Counseling, Inc. or its partners and is protected under applicable intellectual property laws. No portion of the Site may be reused without explicit written consent.

8. International Use

The Site is operated from the United States and is intended for U.S. residents. Access from other jurisdictions is at your own risk and responsibility.

9. Indemnification

You agree to indemnify and hold harmless DebtWave Credit Counseling, Inc., Fitz Media Group LLC, The VAM Group, and all affiliated partners from any claims, liabilities, or expenses arising from your misuse of the Site or your violation of these Terms.

10. Dispute Resolution

All disputes will be resolved through binding arbitration under the Federal Arbitration Act. Arbitration will be conducted by the American Arbitration Association (AAA) or another mutually agreed-upon service. Each party is responsible for its own legal costs unless otherwise determined by the arbitrator.

11. Class Action Waiver

You agree to resolve any disputes with Debtwave.org on an individual basis and waive the right to participate in any class action or representative proceeding.

12. Disclaimer of Warranties

The Site and its contents are provided “as is” without warranties of any kind, either expressed or implied. The Partners disclaim any liability for errors, inaccuracies, or interruptions in service.

13. Termination of Access

We may suspend or terminate your access to the Site or your account without notice for any reason deemed appropriate by our operational or legal team.

14. Governing Law

These Terms are governed by the laws of the State of California. Any legal disputes shall be resolved within the jurisdiction of courts located in San Diego County, California.

15. Our Partners

Debtwave.org operates through a network of partners, including but not limited to:

• Fitz Media Group LLC (Media & Outreach Partner)
• MVP Digital Agency LLC dba The VAM Group (Technology & Marketing Execution)
• Certified third-party credit counseling and debt relief agencies listed on our partners page
  

We may share user data only as necessary to fulfill service requests, as governed by our Privacy Policy.

16. Contact Information

Principal Address
 DebtWave Credit Counseling, Inc.
 500 La Terraza Blvd, Suite 150
 Escondido, CA 92025

Mailing Address
 1835A S. Centre City Parkway, #508
 Escondido, CA 92025

Business Hours (PST)
 Monday – Thursday: 7 AM – 4 PM
 Friday: 7 AM – 3 PM

Email: info@debtwave.org
 Phone: (888) 686-4040

17. Entire Agreement

These Terms, along with the Privacy Policy and any other legal notices on the Site, constitute the entire agreement between you and the Partners regarding the use of the Site and supersede all prior agreements or representations.

18. Changes to These Terms

We may revise these Terms at any time. The updated version will be effective as of the “Last Reviewed” date above. Your continued use of the Site after any modifications constitutes acceptance of the new Terms.