Terms & Conditions

1. Definitions

• "Site" means BetterFinanceHelp.com and any subdomains, pages, features, tools, forms, quizzes, calculators, widgets, and related services provided under BetterFinanceHelp.
• "We," "us," "our," and "BetterFinanceHelp" refer to the Operator and, where appropriate, its Group Affiliates.
• "You" and "user" refer to any individual who visits, accesses, or uses the Site.
• "Content" means text, articles, comparisons, graphics, videos, audio, code, data, tools, quizzes, and other materials provided on or through the Site.
• "Partner" means third parties including advertisers, lead buyers, affiliates, networks, sponsors, service providers, and other entities offering products/services that may be marketed or referenced on the Site.
• "Personal Information" has the meaning assigned in the Privacy Policy.
• "Submission" means any information, data, text, or materials you submit through the Site (including forms, quizzes, surveys, messages, or uploads).

2. Relationship to the Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains how we collect, use, share, and retain information, including Personal Information, and describes your choices and rights.

If there is any conflict between these Terms and the Privacy Policy regarding privacy practices, the Privacy Policy will control as to privacy matters, while these Terms will control as to Site use, intellectual property, disclaimers, dispute resolution, and other contractual provisions.

3. Eligibility; Intended Audience; Geographic Scope

The Site is intended for users who are at least 18 years old and located in the United States. By using the Site, you represent that you are 18 or older and have the legal capacity to enter into these Terms.

If you access the Site from outside the U.S., you do so at your own risk and are responsible for compliance with applicable local laws.

4. Our Business Model; No Professional Advice; No Guarantee

BetterFinanceHelp is a digital publisher and performance marketing platform. We provide informational content and may connect consumers to third-party offers and providers. We are not a lender, broker, bank, insurer, law firm, debt settlement provider, or credit bureau, and we do not provide professional financial, legal, tax, or medical advice.

Any examples, estimates, rates, terms, or eligibility statements are illustrative only and may be based on assumptions or user-provided information. Partners determine approval, pricing, eligibility, and final terms. We do not guarantee approval or any specific outcome.

5. Advertising, Affiliate Relationships, and Disclosures

The Site may contain advertisements and sponsored content. We may receive compensation when you click on ads, submit information, or purchase/engage with products/services from Partners. This compensation may influence how offers are displayed, ranked, or described, where permitted by law.

We strive to provide accurate, up-to-date information, but we do not warrant that any Content is complete, accurate, or current at all times.

6. Permitted Use; License

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use. All rights not expressly granted are reserved.

You may not copy, reproduce, distribute, publicly display, reverse engineer, scrape, or exploit the Site or Content except as permitted by law or with our prior written consent.

7. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful, fraudulent, or deceptive purpose.
• Submit false, misleading, or impersonated information or attempt to misrepresent your identity.
• Interfere with Site operation, security, or integrity, including introducing malware or attempting unauthorized access.
• Automate access (bots, scrapers) without our written authorization.
• Engage in invalid traffic practices, click fraud, incentivized clicks where prohibited, or other behavior that may harm advertising integrity.
• Violate intellectual property rights, privacy rights, publicity rights, or any other rights of any person or entity.
• Use the Site to harass, threaten, or harm others.

8. User Submissions; Accuracy; Responsibility

You are responsible for your Submissions and represent that information you provide is accurate to the best of your knowledge. You agree not to submit sensitive identifiers (e.g., SSN/ITIN) unless a form explicitly requests it.

By submitting information, you grant us and our service providers and Partners the right to use, store, process, and disclose your Submissions as described in the Privacy Policy and these Terms, including to connect you with offers and to operate, secure, and improve the Site.

9. Communications; Electronic Notices; TCPA/CAN-SPAM Alignment

By using the Site or providing contact information, you consent to receive communications from us electronically (including email, Site notices, and other digital methods).

If you provide your phone number and the applicable consent, you may receive calls and text messages from us and/or Partners as described in the Privacy Policy and the consent language presented at the time you submit your information. Message and data rates may apply.

Opt-out: You may opt out of marketing emails via the unsubscribe link in any email. You may opt out of SMS by replying STOP. For additional help, contact compliance@clearcreditpath.com.

We may send transactional or relationship messages necessary to provide services, respond to inquiries, or meet legal/compliance obligations even if you opt out of marketing.

10. Third-Party Links; Partner Products; No Responsibility for Partners

The Site may link to third-party websites or services. We do not control and are not responsible for third-party content, privacy practices, security, or business practices. Your interactions with Partners are between you and the Partner and are governed by the Partner's terms and policies.

We may receive performance feedback from Partners (e.g., whether an application was completed) to improve matching and reporting.

11. Intellectual Property; Trademarks

The Site and Content are owned by the Operator or its licensors and are protected by U.S. and international intellectual property laws. BetterFinanceHelp and associated logos are trademarks or service marks of the Operator or its licensors.

You may not use our trademarks without our prior written consent.

12. DMCA / Copyright Complaints

If you believe content on the Site infringes your copyright, you may send a notice to compliance@clearcreditpath.com including the information required by the Digital Millennium Copyright Act (DMCA). We may remove content and, where appropriate, terminate repeat infringers.

13. Disclaimers (Maximum Protection)

14. Limitation of Liability

15. Indemnification (User Obligations)

You agree to defend, indemnify, and hold harmless the Operator and its Affiliates, and their officers, directors, employees, contractors, agents, and Partners, from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your access to or use of the Site.
• Your Submissions or any allegation that your Submissions violate law or third-party rights.
• Your violation of these Terms, the Privacy Policy, or applicable law.
• Your interactions with Partners (to the extent claims arise from your conduct).

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate.

16. Arbitration Agreement; Class Action Waiver (AAA / FAA)

Except for disputes eligible for small claims court or requests for injunctive relief regarding intellectual property, any dispute arising out of or relating to these Terms, the Site, or your relationship with us will be resolved by binding arbitration under the Federal Arbitration Act and administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or other applicable rules).

Arbitration will be conducted by a single arbitrator. The arbitrator may award the same damages and relief as a court.

Class Action Waiver: You and we agree that claims must be brought in an individual capacity and not as a plaintiff or class member in any purported class, collective, representative, or private attorney general proceeding. The arbitrator may not consolidate claims or preside over any form of class proceeding.

If this class waiver is found unenforceable, then the entire arbitration provision will be null and void.

17. Governing Law; Venue for Court Actions

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, and applicable federal law.

To the extent a dispute is not subject to arbitration, you agree to submit to the exclusive jurisdiction of state and federal courts located in Orlando, Florida, and you waive any objection to venue in those courts.

18. Termination; Suspension; Enforcement

We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that may harm users, Partners, advertising integrity, or our business.

Upon termination, the license granted to you ends immediately. Sections that by their nature should survive will survive (including disclaimers, limitation of liability, indemnification, and dispute resolution).

19. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date will reflect the latest revision. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

20. Notice; Contact; Customer Support

For questions about these Terms, or to contact us, email compliance@clearcreditpath.com or write to: 7345 W SAND LAKE RD STE 210 OF 5837 ORLANDO, FL 32819.

21. Miscellaneous (Full Legal Boilerplate)

• Severability: If any provision is found unenforceable, the remainder will remain in full force and effect.
• Assignment: You may not assign these Terms without our prior written consent. We may assign our rights and obligations.
• No Waiver: Failure to enforce a provision is not a waiver.
• Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement regarding your use of the Site.
• Headings: Headings are for convenience only and do not affect interpretation.
• Force Majeure: We are not liable for delays or failures beyond our reasonable control.