FirstChoiceDebtRelief.com Online Terms of Service

Last Updated: April 7, 2026

Terms of Service

Last Updated: April 7, 2026

These Terms of Service (“Terms”) govern your access to and use of the websites, landing pages, forms, tools, content, and online services operated by First Choice Debt Relief, Inc. (“FCDR,” “we,” “us,” or “our”), including www.firstchoicedebtrelief.com and any related pages that link to these Terms (collectively, the “Site”).

By accessing or using the Site, submitting information through the Site, or clicking any button or checkbox indicating acceptance, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.

1. Eligibility

You may use the Site only if you are at least 18 years old and located in the United States.

2. Site Use

The Site is provided for general informational and business purposes. Your use of the Site does not guarantee eligibility for any product or service, approval, or any particular outcome. Any services offered by FCDR are subject to separate eligibility, compliance, contractual, and state law requirements.

3. Privacy

Your use of the Site and any information you submit through it are subject to our Privacy Policy, which is incorporated into these Terms by reference.

4. Changes to Terms or Site

We may update these Terms at any time by posting a revised version on the Site. We may also modify, suspend, or discontinue all or part of the Site at any time without notice.

5. Permitted Use

You may use the Site only for lawful purposes. You agree not to:

• use the Site in violation of any law or regulation;
• submit false, inaccurate, or misleading information;
• interfere with or disrupt the Site or its systems;
• attempt to gain unauthorized access to any portion of the Site;
• copy, scrape, crawl, spider, frame, deep-link, or use automated means to extract content from the Site without our written consent;
• upload or transmit viruses, malware, or harmful code; or
• use the Site in any fraudulent, abusive, or unlawful manner.

6. Information You Submit

If you provide information to us through the Site, you represent that it is true, accurate, current, and complete.

7. Calls, Texts, and Emails

By submitting your contact information through the Site, you may be consenting to receive calls, emails, and text messages from us or on our behalf, including through automated technology or prerecorded voice, to the extent permitted by applicable law and subject to your consent choices. Consent is not a condition of purchasing any goods or services. Message and data rates may apply. You may opt out of text messages by replying STOP.

8. No Professional Advice

The Site is for general informational purposes only and does not constitute legal, tax, accounting, credit, or financial advice. You should consult your own professional advisors regarding your individual situation.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, AND MATERIALS MADE AVAILABLE THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE WILL BE SECURE, UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FCDR AND ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF FCDR AND ITS RELATED PARTIES FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED $100.

11. Indemnification

You agree to defend, indemnify, and hold harmless FCDR and its affiliates, owners, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or relating to your violation of these Terms, your misuse of the Site, or your violation of any law or third-party rights. We reserve the right, at our expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with that defense. You may not settle any such matter without our prior written consent.

12. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and other materials, is owned by FCDR, its licensors, or other respective owners, and is protected by law. Except as expressly permitted in these Terms, you may not copy, reproduce, republish, distribute, modify, display, transmit, or exploit any part of the Site without our prior written consent.

13. Feedback

If you submit suggestions, ideas, or other feedback to us, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use, reproduce, modify, and otherwise exploit that feedback for any lawful purpose without compensation to you.

14. Third-Party Links

The Site may contain links to third-party websites or resources. We are not responsible for the content, policies, or practices of any third-party sites, and your use of them is at your own risk.

15. DMCA / Copyright Complaints

If you believe content on the Site infringes your copyright, please send a written notice containing the information required by the Digital Millennium Copyright Act to:

First Choice Debt Relief, Inc.
Attn: Legal / DMCA
530 Technology Drive, Suite 100
Irvine, CA 92618
Email: info@firstchoicedebtrelief.com

16. Recording and Monitoring

To the extent permitted by law, calls and other communications with us may be monitored or recorded for quality assurance, training, compliance, operational, or recordkeeping purposes.

17. Governing Law

Except to the extent preempted by the Federal Arbitration Act, these Terms and any dispute arising out of or relating to the Site or these Terms shall be governed by the laws of the State of California, without regard to conflict of law principles.

18. Dispute Resolution; Arbitration; Class Action Waiver

Please read this section carefully. It affects your legal rights.

Except for matters that may be brought in small claims court or requests for temporary or preliminary injunctive relief as described below, you and FCDR agree that any dispute, claim, or controversy arising out of or relating to the Site, these Terms, or your access to, use of, or submission of information through the Site shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its applicable consumer rules. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Before starting arbitration, either party must first send the other a written Notice of Dispute describing the nature of the dispute and the relief sought. Any Notice of Dispute to FCDR must be sent to:

First Choice Debt Relief, Inc.
Attn: Legal – Notice of Dispute
530 Technology Drive, Suite 100
Irvine, CA 92618
Email: info@firstchoicedebtrelief.com

The parties agree to attempt in good faith to resolve the dispute informally for 60 days after the Notice of Dispute is received. During that period, either party may request an individualized settlement conference by telephone or video conference, and the parties will reasonably cooperate in scheduling it. If the dispute is not resolved within that 60-day period, either party may begin arbitration.

Any arbitration shall be conducted on an individual basis only. Neither you nor FCDR may bring any claim as a plaintiff, claimant, or class member in any purported class, collective, coordinated, consolidated, mass, private attorney general, or representative proceeding. The arbitrator shall have no authority to hear or arbitrate any class, collective, coordinated, consolidated, mass, private attorney general, or representative claim, or to award relief to anyone other than the individual party in arbitration.

Either party may bring an individual claim in small claims court if it qualifies and remains in that court. Either party may also seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect confidential information, intellectual property, or security interests pending completion of arbitration.

The arbitrator shall have exclusive authority to decide any dispute relating to the interpretation, applicability, enforceability, formation, or scope of this arbitration agreement, except to the extent applicable law provides otherwise.

Unless otherwise required by applicable AAA rules or law, the arbitration shall be conducted in Orange County, California, or by remote means if permitted by the arbitrator or applicable rules.

To the extent any dispute proceeds in court, including any action to compel arbitration, stay proceedings pending arbitration, confirm, vacate, enforce, or enter judgment on an arbitration award, or seek temporary or preliminary injunctive relief, the parties agree to the exclusive jurisdiction of the state and federal courts located in Orange County, California, and waive any objection based on personal jurisdiction, venue, or forum non conveniens, except that a qualifying individual action may be brought in small claims court.

Payment of filing fees, administrative fees, and arbitrator compensation shall be governed by applicable AAA rules and applicable law. Each party shall bear its own attorneys’ fees and costs except as otherwise provided by contract, statute, rule, or applicable law, or as awarded by the arbitrator on a basis permitted by law.

You may opt out of this arbitration agreement by sending written notice within 30 days after your first use of the Site or first submission of information through the Site while these Terms are in effect. Your opt-out notice must include your full name, address, telephone number, email address, and a clear statement that you wish to opt out of arbitration. Send it to:

First Choice Debt Relief, Inc.
Attn: Legal – Arbitration Opt-Out
530 Technology Drive, Suite 100
Irvine, CA 92618
Email: info@firstchoicedebtrelief.com

To the maximum extent permitted by law, any claim arising out of or relating to the Site or these Terms must be commenced within one (1) year after the claim arose or, if later, within one (1) year after the claim could reasonably have been discovered, or it will be permanently barred.

This Section 18 survives termination of these Terms, your use of the Site, and any communications or relationship between you and FCDR relating to the Site.

19. Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF ANY DISPUTE PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND FCDR EACH WAIVE THE RIGHT TO A JURY TRIAL.

20. Class Action Waiver for Court Proceedings

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF ANY DISPUTE PROCEEDS IN COURT RATHER THAN ARBITRATION, IT SHALL PROCEED ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, MASS, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.

21. Severability

If any provision of these Terms is held unlawful, void, or unenforceable, that provision shall be enforced to the maximum extent permitted by law or, if that is not possible, deemed severed, and the remaining provisions shall remain in full force and effect to the fullest extent permitted by law.

If any portion of Section 18 is found invalid or unenforceable, that portion shall be modified to the minimum extent necessary to make it enforceable and to reflect the original intent of the parties as closely as possible. If modification is not possible, that portion shall be severed and the remainder of Section 18 shall remain enforceable to the fullest extent permitted by law. However, if the waiver of class, collective, coordinated, consolidated, mass, private attorney general, or representative proceedings is found unenforceable as to a particular claim or request for relief, then that claim or request for relief shall proceed in a court of competent jurisdiction and not in arbitration, to the maximum extent permitted by law.

22. Entire Agreement; No Reliance

These Terms, together with the Privacy Policy and any other legal notices expressly incorporated by reference, constitute the entire agreement between you and FCDR regarding your use of the Site and supersede all prior or contemporaneous understandings regarding that subject matter. You acknowledge that, in using the Site, you are not relying on any statement, representation, promise, or assurance not expressly set forth in these Terms.

23. Contact Information

First Choice Debt Relief, Inc.
530 Technology Drive, Suite 100
Irvine, CA 92618
Email: info@firstchoicedebtrelief.com