Terms of Use

Acceptance of Terms

Benjamins Goods, LLC (“ZeroOwedJourney.com”) requires all visitors (“you”) to this website (“Site”) to comply with the following Terms of Use (“TOU”). By accessing or using the Site, you confirm your acceptance of these TOU. If you do not agree to these terms, you should refrain from accessing or using the Site.

Description of Services

This Site offers information about debt relief options and services that can be requested from independent providers, as well as a range of educational resources such as articles and videos (collectively referred to as “Services”). These Services, including updates, modifications, improvements, or new features (“Site Changes”), are subject to these TOU. ZeroOwedJourney.com reserves the right to make changes to the Site or Services at any time, without prior notice.

Personal Use Limitation

The Services are for your individual use only. Unless explicitly permitted, you may not modify, reproduce, distribute, transmit, display, perform, publish, license, sell, or exploit any content, software, products, or services obtained through the Site.

Children Under 18

We do not knowingly collect data from or market to children under the age of 18.

Prohibited Use

By using the Services, you agree not to engage in unlawful or prohibited activities. You may not:

  • Overload, damage, or disrupt the Site, its servers, or networks.
  • Interfere with others’ access to the Services.
  • Attempt unauthorized access to systems, accounts, or information via hacking or other means.
  • Use the Services for fraudulent or harmful purposes.

Proprietary Notices

You may not remove copyright, trademark, or proprietary notices from materials accessed through the Services.

Loans and Credit Disclaimer

THIS SITE DOES NOT GUARANTEE THE PROVISION OF LOANS. DECISIONS REGARDING DEBT RELIEF OPTIONS ARE MADE BY THE INDEPENDENT SERVICE PROVIDERS TO WHOM YOU MAY BE REFERRED. ZEROOWEDJOURNEY.COM DOES NOT ASSIST WITH CREDIT IMPROVEMENT, CREDIT SCORE MANAGEMENT, OR CREDIT DISPUTES.

 

No Legal Advice

ZeroOwedJourney.com does not offer legal advice. Financial circumstances vary, and individuals should thoroughly evaluate debt relief programs before participating. Consultation with financial professionals and service providers is advised to understand the potential benefits and risks, such as impacts on credit scores, legal obligations, and tax consequences.

Privacy Policy

We prioritize responsible use of personal information. For details on how we protect your privacy, refer to our Privacy Policy.

Data Transmission

By providing personal information through the Site, you consent to the transmission of such data for processing as needed.

Ownership Rights

ZeroOwedJourney.com owns this Site, including all logos, text, images, articles, and videos, which are protected under applicable laws. No ownership rights are transferred to users under these TOU.

Service Provider Disclaimer

ZeroOwedJourney.com is not a debt relief service provider. We serve as an educational resource and referral platform. The selection of a service provider is your responsibility, and ZeroOwedJourney.com is not liable for outcomes related to services provided by third-party providers.

Interactive Services

The Site may include interactive features such as forums or message boards. Users agree to refrain from posting improper, offensive, or illegal content. We reserve the right to moderate, edit, or remove inappropriate material and comply with legal requirements regarding disclosures.

Tools and Documents

Tools such as financial calculators and downloadable documents provided on the Site are copyrighted by ZeroOwedJourney.com and are for personal use in accordance with these TOU.

Disclaimer of Warranties

ALL CONTENT AND SERVICES PROVIDED ON THIS SITE ARE OFFERED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY. ZEROOWEDJOURNEY.COM MAKES NO GUARANTEE THAT THE SITE WILL FUNCTION ERROR-FREE OR UNINTERRUPTED.

Limitation of Liability

ZEROOWEDJOURNEY.COM IS NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE SITE OR SERVICES. THIS INCLUDES BUT IS NOT LIMITED TO DATA LOSS, SYSTEM ERRORS, OR UNAUTHORIZED ACCESS.

Indemnification

You agree to indemnify and hold ZeroOwedJourney.com, its affiliates, employees, and partners harmless from any claims or damages resulting from your use of the Site or Services.

Governing Law

This Site is operated from Pennsylvania, and is governed by the laws of the State of Pennsylvania. By using this Site, you agree to submit to the jurisdiction of Pennsylvania courts for any disputes arising from these TOU.

Miscellaneous

These TOU represent the complete agreement between you and ZeroOwedJourney.com regarding the Site and its Services. If any provision is deemed invalid or unenforceable, the remainder of the TOU will remain in effect.