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Terms Of Use

Terms of Use

Last Updated: 1/12/2026

These Terms of Use (“Terms”) govern your access to and use of the DebtWink website and related services (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About DebtWink

DebtWink operates as a marketing and lead generation platform. We are not a lender, broker, loan originator, or financial institution, and we do not make credit decisions or determine eligibility for any financial product or service.

DebtWink connects consumers with independent third-party providers that may offer financial products or services. All products, services, rates, terms, and conditions are provided and determined solely by third-party providers.

2. No Guarantee of Approval or Terms

Submitting information through the Site does not guarantee:

  • Approval for any financial product

  • Specific rates, terms, or loan amounts

  • That any third-party provider will contact you

Eligibility, approval, and final terms depend on the criteria and policies of third-party providers and applicable law.

3. State Availability

Financial products and services promoted through the Site may not be available in all states. Availability, terms, and conditions vary based on state law and individual eligibility.

DebtWink does not represent that all products or services are available in your jurisdiction.

4. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Submit false or misleading information

  • Attempt to interfere with Site functionality or security

  • Use the Site for any unauthorized or unlawful purpose

DebtWink reserves the right to suspend or terminate access to the Site for violations of these Terms.

5. Credit Inquiry Disclosure

As part of evaluating your inquiry, a soft credit inquiry may be obtained, which does not affect your credit score. If you choose to proceed with a third-party provider, that provider may conduct a hard credit inquiry, which could impact your credit score. DebtWink does not control the credit practices of third-party providers.

6. Communications and Consent

By submitting information through the Site, you acknowledge that you may be contacted by DebtWink and its third-party providers in accordance with your provided consent. Your consent is governed by our Privacy Policy and E-SIGN & Electronic Communications Consent.

7. Third-Party Websites and Services

The Site may contain links to third-party websites or services. DebtWink does not control and is not responsible for the content, policies, or practices of third-party websites. Access to third-party websites is at your own risk.

8. Intellectual Property

All content on the Site, including text, graphics, logos, and design elements, is owned by or licensed to DebtWink and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use Site content without prior written permission.

9. Disclaimer of Warranties

The Site is provided on an “as-is” and “as-available” basis. DebtWink makes no warranties or representations regarding:

  • The accuracy or completeness of Site content

  • The availability or performance of the Site

  • Any third-party products or services

10. Limitation of Liability

To the maximum extent permitted by law, DebtWink shall not be liable for any indirect, incidental, consequential, or punitive damages arising from or related to your use of the Site or reliance on any information provided through the Site.

11. Indemnification

You agree to indemnify and hold harmless DebtWink from any claims, damages, losses, or expenses arising from your use of the Site or violation of these Terms.

12. Arbitration and Class Action Waiver (Optional)

At DebtWink’s discretion, disputes arising out of or related to these Terms or your use of the Site may be resolved through binding arbitration rather than in court. Where permitted by law, you agree to waive the right to participate in a class action.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

14. Changes to These Terms

DebtWink may update these Terms from time to time. Updated Terms will be posted on this page with a revised “Last Updated” date. Continued use of the Site constitutes acceptance of any changes.

15. Contact Information

Questions regarding these Terms may be submitted through the contact methods provided on the Site.

 
 

  1. E-SIGN & Electronic Communications Consent

☐ By checking this box and submitting this form, I acknowledge and agree to the following:

I authorize DebtWink and its network of independent third-party providers, partners, and service providers to contact me regarding financial products and services that may be relevant to my inquiry. Contact may be made using automated dialing systems, prerecorded or artificial voice messages, SMS/text messages, and email, at the phone number and email address I provide, even if my number is listed on a federal or state do-not-call registry.

I understand that my consent is not a condition of purchase or approval, and that I may revoke my consent at any time by following the opt-out instructions provided in any communication.

I acknowledge that, as part of evaluating my inquiry, a soft credit inquiry may be obtained, which does not affect my credit score. I further understand that if I choose to proceed with a third-party provider, that provider may conduct a hard credit inquiry, which could impact my credit score. DebtWink does not make lending decisions and does not control the credit practices of third-party providers.

I consent to receive electronic communications, disclosures, notices, and records related to my inquiry and any resulting communications, and I agree that such communications may be provided electronically rather than in paper form.

I confirm that I have reviewed and agree to DebtWink’s Privacy Policy, Terms of Use, and E-SIGN & Electronic Communications Consent, and that I am at least 18 years old and authorized to submit this information.