TERMS AND CONDITIONS

Vanguard Settlements, LLC

Acceptance of These Terms

Welcome to Vanguard Settlements, LLC. These Terms and Conditions govern your access to and use of our website, online portals, electronic forms, consultation request features, and other digital services provided through our website.

By accessing the website, browsing its content, or submitting information through any online form, you acknowledge that you have reviewed, understand, and agree to these Terms and our Privacy Policy.

If you do not agree with these Terms, you should discontinue use of the website.

Services and Consultation Process

Vanguard Settlements, LLC provides debt settlement consultation, financial strategy, debt-related guidance, and related services.

Submitting an inquiry, completing an online form, or requesting information through our website does not by itself establish a formal client relationship or create a binding agreement for services.

After an inquiry is submitted, an authorized representative may contact you to discuss your circumstances and determine whether our services may be appropriate.

Any formal financial analysis, debt evaluation, settlement strategy, service obligations, fees, or other binding arrangements will be governed by a separate written agreement executed between the client and Vanguard Settlements, LLC.

Accuracy of Information

You agree that all information provided to Vanguard Settlements, LLC through the website, during a consultation, or throughout the service process will be truthful, accurate, current, and complete.

Information may include your identity, income, creditors, outstanding debts, account balances, financial obligations, contact information, and other information necessary to evaluate or provide services.

Vanguard Settlements, LLC may take reasonable steps to verify information provided by a consumer.

False, misleading, fraudulent, or intentionally incomplete information may result in rejection of an inquiry, suspension of the consultation process, or termination of services.

Verification and Third-Party Information

When reasonably necessary to evaluate a client’s financial circumstances or provide requested services, Vanguard Settlements, LLC may verify information with authorized third parties.

These parties may include creditors, financial institutions, credit reporting agencies, payment providers, service providers, or other entities reasonably involved in verifying debt or financial information.

Any collection, use, or disclosure of personal information will be handled in accordance with our Privacy Policy and applicable Ohio and federal law.

Telephone and Text Communications

By voluntarily providing your telephone number, you authorize Vanguard Settlements, LLC and its authorized representatives to communicate with you regarding your inquiry, consultation, account, or services.

Communications may include telephone calls, voicemail messages, and text messages.

These communications may involve:

• Consultation follow-ups
• Appointment reminders
• Account notifications
• Document requests
• Customer service communications
• Service-related updates
• Other authorized communications

Message and data rates may apply depending on your wireless provider.

Consent to receive marketing communications is not required as a condition of purchasing services.

Where applicable, you may opt out of text communications by replying STOP or by contacting Vanguard Settlements, LLC directly.

No Legal, Tax, or Accounting Advice

Information available through the Vanguard Settlements, LLC website is provided for general informational and educational purposes.

Nothing contained on the website should be interpreted as legal, tax, or accounting advice.

Consumers should consult an attorney, certified public accountant, tax professional, or other qualified adviser concerning matters that require specialized professional advice.

No Guarantee of Results

Financial and debt settlement outcomes vary based upon individual circumstances and factors that may be outside the control of Vanguard Settlements, LLC.

Vanguard Settlements, LLC does not guarantee:

• Acceptance of a settlement by any creditor
• A particular reduction in outstanding debt
• A specific settlement amount
• A particular completion date
• Improvement in a credit score
• Approval for financing or credit
• Any specific financial result

Creditor participation, client performance, available funds, account status, and other circumstances may affect the outcome of debt settlement services.

Intellectual Property

The Vanguard Settlements, LLC website, company name, branding, logos, written content, graphics, designs, software, layouts, and other materials are owned by or licensed to Vanguard Settlements, LLC and may be protected by applicable United States copyright, trademark, intellectual property, and Ohio law.

You may not copy, reproduce, modify, distribute, republish, sell, or commercially use website content without prior written authorization from Vanguard Settlements, LLC.

Prohibited Use of the Website

You agree not to use the Vanguard Settlements, LLC website in any manner that could damage, interfere with, misuse, or compromise the website or company systems.

Prohibited activities include:

• Providing fraudulent or intentionally misleading information
• Impersonating another person
• Attempting unauthorized access to systems or accounts
• Introducing viruses, malware, or harmful software
• Interfering with website security or functionality
• Using automated tools to scrape or collect information without authorization
• Using the website for fraudulent or unlawful activity
• Violating applicable Ohio, federal, or other applicable laws and regulations

Vanguard Settlements, LLC reserves the right to restrict or terminate website access when misuse or suspicious activity is identified.

Website Disclaimer

The Vanguard Settlements, LLC website and its information are provided on an “as is” and “as available” basis.

Although reasonable efforts may be made to maintain accurate information and proper website operation, Vanguard Settlements, LLC does not guarantee that the website will always be uninterrupted, error-free, completely secure, or free from viruses, technical problems, or other harmful components.

To the fullest extent permitted under Ohio and federal law, Vanguard Settlements, LLC disclaims warranties that are not expressly provided in a separate written agreement.

Limitation of Liability

To the fullest extent permitted by applicable Ohio and federal law, Vanguard Settlements, LLC and its members, officers, employees, representatives, contractors, agents, and affiliates will not be responsible for indirect, incidental, consequential, special, or punitive damages resulting from use of the website, inability to access the website, or reliance upon information presented through the website.

Nothing contained in these Terms is intended to waive, restrict, or eliminate any consumer right or legal protection that cannot lawfully be waived under Ohio or federal law.

Privacy

Personal information collected through the Vanguard Settlements, LLC website, consultation process, or related communications will be handled in accordance with the Vanguard Settlements, LLC Privacy Policy.

By submitting information through our website, you acknowledge that information may be collected, stored, processed, and used for legitimate business and service-related purposes as described in our Privacy Policy and as permitted by applicable law.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Ohio, together with applicable federal law, without regard to conflict-of-law principles.

Any legal action or proceeding arising specifically from the use of the Vanguard Settlements, LLC website or these Terms shall be brought before a court of competent jurisdiction located within the State of Ohio, unless applicable law or a separate written agreement requires otherwise.

Any separate debt settlement, consultation, or service agreement entered into with a client may contain additional provisions governing dispute resolution, jurisdiction, arbitration, or applicable law.

Compliance With Applicable Law

Vanguard Settlements, LLC intends to conduct its operations in accordance with applicable federal law and the laws and regulations of the State of Ohio.

Nothing contained on the website or within these Terms is intended to limit any consumer protection or other legal right provided under applicable Ohio or federal law.

Changes to These Terms

Vanguard Settlements, LLC may update, revise, or modify these Terms and Conditions as necessary to address changes in company operations, services, technology, policies, or applicable legal requirements.

Updated Terms may be posted on the website and will apply in accordance with applicable law.

Continued use of the website following publication of revised Terms constitutes acknowledgment of the updated Terms, subject to any rights provided by law.

Severability

If any portion of these Terms is determined to be invalid, unlawful, or unenforceable under Ohio or federal law, that provision will be limited, modified, or removed only to the extent necessary.

The remaining provisions will continue in full force and effect.

Acknowledgment

By accessing the Vanguard Settlements, LLC website or submitting information through an online form, you acknowledge that you have been provided an opportunity to review these Terms and Conditions.

These Terms govern use of the website and do not replace any separate service, debt settlement, or financial consultation agreement executed between Vanguard Settlements, LLC and a client.