Terms of Service

Effective Date: July, 2025

Welcome

Welcome to RG Debt Relief. By accessing or using our website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use our site.

Services Provided

RG Debt Relief provides debt relief education, financial wellness resources, and personalized consultations. Our services are informational and educational in nature. We do not provide legal advice, credit repair, or financial planning services.

Eligibility

You must be at least 18 years of age to use our services. By using our site, you represent that you meet this requirement.

User Responsibilities

  • Provide accurate, current, and complete information when using our services.
  • Use our site and services lawfully and in accordance with these terms.
  • Do not engage in any activity that disrupts or interferes with the operation of our site.
  • Do not attempt to gain unauthorized access to our systems or data.
  • Do not use our site for any fraudulent, illegal, or harmful purposes.

SMS Communications Terms

Consent for SMS Communication

By providing your mobile phone number and checking the SMS opt-in box on our website, you expressly consent to receive automated text messages (SMS/MMS) from RG Debt Relief at the mobile number you provided. Your consent is voluntary and not required as a condition of purchasing any goods or services.

Privacy Protection: Information obtained as part of the SMS consent process will not be shared with third parties for their marketing purposes. We respect your privacy and handle your data in accordance with our Privacy Policy.

Types of SMS Communications

If you have consented to receive text messages from RG Debt Relief, you may receive messages related to:

  • Customers and Clients: Account updates, payment reminders, settlement offers, appointment confirmations, program milestones, verification codes, and customer support responses
  • Prospective Clients: Consultation reminders, follow-up communications, service information, and educational resources about debt relief options
  • Marketing Communications: Special promotions, new service announcements, financial wellness tips, and exclusive client benefits (only if you opted in to marketing messages)

Example messages: "Your consultation is scheduled for tomorrow at 2 PM. Reply CONFIRM to confirm." or "Payment reminder: Your monthly deposit of $250 is due on Jan 15th."

Message Frequency

Message frequency varies based on your account activity and the services you use. Typical frequency:

  • Service/Account Updates: Up to 3 messages per week
  • Marketing Messages: Up to 2 messages per month
  • Transactional Messages: As needed for time-sensitive communications

Standard Messaging Disclosures

  • Message and Data Rates May Apply: Standard messaging rates from your mobile carrier will apply to all SMS messages sent and received. Check with your carrier for details on your messaging plan.
  • Opt-Out Instructions: You can opt-out at any time by replying "STOP" to any text message you receive from us. You will receive a one-time confirmation message acknowledging your opt-out request.
  • Help Support: For assistance, text "HELP" to any of our messages, call us at +1-949-841-2454, or email debtsettlement@rgdebtrelief.com
  • Privacy and Terms: Visit our Privacy Policy and Terms of Service for complete information
  • Carrier Disclaimer: Mobile carriers are not liable for delayed or undelivered messages
  • Supported Carriers: Our SMS service is available on most major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others

Important Notes

  • You may receive SMS messages even if your phone number is on a Do Not Call list, as these are transactional or relationship-based communications based on your express consent
  • We reserve the right to modify or terminate our SMS services at any time without prior notice
  • You are responsible for updating your phone number if it changes to ensure you continue receiving important account communications

Intellectual Property

All content, trademarks, logos, and materials on our site are the property of RG Debt Relief or our licensors. You may not copy, reproduce, distribute, or create derivative works without our express written permission.

Limitation of Liability

RG Debt Relief is not liable for any indirect, incidental, special, or consequential damages arising from your use of our site or services. We make no warranties regarding the accuracy, completeness, or reliability of the information provided.

Our site is provided "as is" and "as available" without any guarantees.

Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the content or practices of these external sites. Use them at your own risk.

Updates & Termination

We may update these terms at any time. Continued use of our site after changes constitutes acceptance of the revised terms.

We reserve the right to suspend or terminate your access to our site for any violation of these terms or for any other reason at our sole discretion.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of [Your State/Country]. Any disputes will be resolved in the courts of [Your State/Country].

Contact Us

If you have any questions about these terms, please contact us:

+1-949-841-2454

debtsettlement@rgdebtrelief.com