Thank you for visiting the "Uplift Debt" website at "uplifdebt.com" (the "Site"). The Site is owned by Inquiries.io LLC ("Company," "we," "our," or "us"). These "Uplift Debt" Website Terms and Conditions ("Terms and Conditions") include the "Uplift Debt" Privacy Policy ("Privacy Policy") and all other applicable rules, policies, price schedules, and supplemental terms or documents that may be published from time to time, which are incorporated by reference (collectively, the "Agreement"). By accessing or using the Site, you ("User," "you," or "your") agree to the terms of the Agreement in full, including when you: (a) access or use the Site; (b) view any: (i) links to third-party credit-related resources and information ("Third-Party Links"); and/or (ii) blog posts, text, video, and other information about credit-related products and services on the Site (the "Informational Content," collectively with the Third-Party Links, the "Content"); (c) access the comment sections of blog posts and other interactive features on the Site ("Interactive Services"); and/or (d) use the contact forms and information provided on the Site to contact, or request contact from, the Company or its third-party credit-related product and service providers, and online aggregators ("Third-Party Service Providers") (collectively, the "Contact Services," along with the Site, Content, and Interactive Services, the "Site Offerings").
PLEASE REVIEW THE TERMS OF THE AGREEMENT CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS IN THEIR ENTIRETY, YOU ARE NOT AUTHORIZED TO USE THE SITE OFFERINGS IN ANY WAY. THE AGREEMENT INCLUDES DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER, AND A REQUIREMENT TO ARBITRATE ALL CLAIMS AGAINST THE COMPANY AND ITS AFFILIATES, INCLUDING PARENTS, SUBSIDIARIES, RELATED PARTIES, THIRD-PARTY SERVICE PROVIDERS, AND MARKETING PARTNERS (COLLECTIVELY, "COVERED PARTIES"), WHO ARE EXPRESS THIRD-PARTY BENEFICIARIES OF THE MANDATORY ARBITRATION PROVISION. THESE PROVISIONS ARE A FUNDAMENTAL PART OF THE AGREEMENT.
Please note that the Company does not itself offer credit-related products or services. The terms and conditions of any credit-related products or services available through the Contact Services will be determined by the respective Third-Party Service Providers. Reliance on any information available through the Site Offerings, including the Content, is solely at your own risk. The Company disclaims any liability for any loss, damage, or injury resulting from information obtained through the Site Offerings.
This Agreement represents the entire and exclusive understanding between Users and the Company regarding the use of the Site Offerings. It supersedes all prior or concurrent agreements, representations, warranties, and understandings related to the Site Offerings. The Company may modify the Agreement at any time at its sole discretion, without specific notice to Users. However, any amendments to the arbitration provisions, class action waivers, or other dispute resolution provisions ("Dispute Resolution Provisions") will not apply to disputes that arose before the changes were made. The most recent version of the Agreement will be posted on the Site, and Users are encouraged to review it before using the Site Offerings. By continuing to use the Site Offerings, Users agree to comply with the terms and conditions in effect at that time, except for disputes that arose before any changes to the Dispute Resolution Provisions, which will be governed by the provisions in effect at the time of the dispute.
The Site Offerings are only available to individuals who can legally enter into binding contracts under applicable law. They are not intended for individuals under the age of eighteen (18) (or the legal age of majority if it is higher in their jurisdiction). If a User is under eighteen (18) (or the applicable age of majority) or cannot enter into legally binding contracts, they are not permitted to use or access the Site Offerings. The Company reserves the right to terminate a User’s access to the Site Offerings at any time and for any reason, at its sole discretion. Reasons for termination may include, but are not limited to, a belief that the User is: (a) in breach of the Agreement; and/or (b) engaged in improper conduct in connection with the Site Offerings.
When using the Contact Services, you may need to provide certain information, including: (a) your email address; (b) your full name; (c) your telephone number; (d) your homeownership status; and (e) any other information requested in the applicable form (collectively, "Contact Data"). After submitting your Contact Data and clicking the submission button on the Site: (i) the Company may share your Contact Data with one or more of its marketing partners and/or affiliates (collectively, "Marketing Partners") and/or Third-Party Service Providers; (ii) you may be contacted by the Company and/or one or more Marketing Partners and/or Third-Party Service Providers regarding your request; and/or (iii) you may receive offers from one or more Marketing Partners that the Company believes may interest you.
If you have provided “prior express written consent” as defined by the Telephone Consumer Protection Act (47 USC § 227) and its regulations (47 CFR § 64.1200), you may be contacted by the Company and/or its designated Third-Party Service Providers via telephone, including automated calls, pre-recorded messages, and SMS text messages. When contacted in connection with your submission, a Company representative may ask for additional information, such as: (A) your date of birth; (B) your mailing address; (C) information related to homeownership; and (D) any other information requested (collectively, “Follow-Up Data,” and together with Contact Data, the “User Data”). You agree to provide true, accurate, current, and complete User Data. The Company’s use of User Data is governed by the Privacy Policy, which you can review here.
Please note, the Company does not itself offer credit-related products or services. The terms and conditions of any credit-related products or services available through the Contact Services will be determined by the applicable Third-Party Service Providers. The Company is not liable for any products or services offered by Third-Party Service Providers.
(a) The Company does not sponsor, recommend, or endorse any Marketing Partner or Third-Party Service Provider accessible through the Contact Services or other Site Offerings. These Third-Party Service Providers pay a fee for access to Users. The Company does not guarantee that Users will find suitable credit-related products or services through the Site.
(b) Use caution and common sense when using the Site. The Company does not endorse the content, legality, or reliability of any responses, statements, or promises made by any Third-Party Service Providers, Marketing Partners, or other parties featured on the Site.
(c) Deciding on credit-related products and services is an important decision and should not be based solely on advertisements or claims of expertise by any Third-Party Service Provider. The Company does not review the standing of any Third-Party Service Provider with regulatory authorities or government agencies. Users should independently verify the standing, past practices, and reputation of any Third-Party Service Provider.
(d) The Company does not participate in agreements between Users and Third-Party Service Providers or Marketing Partners. The Company makes no representations regarding the competency, trustworthiness, honesty, integrity, or behavior of its Users, Marketing Partners, or Third-Party Service Providers. Each User is solely responsible for evaluating the competency and trustworthiness of all third parties they interact with via the Contact Services or other Site Offerings.
The Site contains Content, including text, videos, and other information related to search-related products and services, as well as regularly updated Third-Party Links. This Content is provided for informational purposes only and is subject to disclaimers here and on the Site.
Users are solely responsible for their interactions with Marketing Partners, Third-Party Service Providers, and other third parties. Since the Company is not involved in these interactions, if you have a dispute with any Marketing Partner, Third-Party Service Provider, or other third parties, you release the Company from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or connected with such disputes.
(a) Subject to the restrictions outlined here, the Interactive Services may allow Users to post comments and engage in other interactive communication through the Site Offerings. Users are solely responsible for the comments, opinions, statements, offers, propositions, feedback, and other content (collectively, "Feedback") they post. The Company reserves the right to prohibit any conduct by Users or remove any Feedback that it deems, in its sole discretion, to violate the Agreement, be illegal, potentially harmful, objectionable, or expose the Company to harm, reputational damage, or liability. However, the Company does not undertake any responsibility to monitor or police User actions, Feedback, or other material posted by Users or third parties, and it will have no obligation or liability in connection with any Feedback. Users should exercise caution, common sense, and safety when viewing Feedback, as it may be outdated, harmful, inaccurate, or deceptive. Users agree to use the Interactive Services in compliance with all applicable laws, rules, and regulations.
(b) In using the Interactive Services and other Site Offerings, you agree not to:
The Company reserves the right to pursue any and all legal remedies against Users engaging in the above prohibited conduct.
Each User represents and warrants to the Company that: (a) this Agreement constitutes their legal, valid, and binding obligation, enforceable against them in accordance with its terms; and (b) they have independently evaluated the desirability of using the Site Offerings and have not relied on any representation or warranty other than those set forth in the Agreement.
Each User agrees to indemnify, defend, and hold the Company, its members, officers, directors, employees, agents, and attorneys harmless from any liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses, and expenses (including reasonable attorneys’ fees, court costs, and settlement costs) arising from: (a) any dispute between the User and any Marketing Partner, Third-Party Service Provider, or other third party; (b) the User’s breach of the Agreement or any representation or warranty herein; (c) the User’s improper or unauthorized use of the Site Offerings; and/or (d) the User’s Feedback. These provisions benefit the Company, its parents, subsidiaries, affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers, and attorneys, who have the right to enforce these provisions directly against you.
Each User is granted a non-exclusive, non-transferable, revocable, and limited license to access and use the Site Offerings. The Company may terminate this license at any time for any reason. Unless expressly authorized by the Company, Users may only use the Site Offerings for personal, non-commercial purposes. Users and third parties are prohibited from: reproducing any part of the Site Offerings, using automated means to collect materials, creating derivative works, using the Site Offerings with third-party content, or exploiting any aspect of the Site Offerings for commercial purposes not permitted by the Company. Users agree to indemnify and hold the Company harmless for any failure to comply with this Section. The Company reserves all rights not explicitly granted in the Agreement.
The Site Offerings, including their organization, graphics, design, compilation, software, and services, are protected by applicable copyrights, trademarks, and other proprietary rights. Users and third parties are strictly prohibited from copying, redistributing, or publishing any part of the Site Offerings. Posting information or material through the Site Offerings does not waive any rights to such information or materials.
with the Site Offerings is a violation of criminal and civil law. The Company will pursue all legal remedies against any individual or entity engaging in such activities.
THE SITE OFFERINGS AND ANY OTHER PRODUCTS AND/OR SERVICES OFFERED THROUGH THEM ARE PROVIDED "AS IS" AND "AS AVAILABLE." ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INCLUDING WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO WARRANTY THAT THE SITE OFFERINGS WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED. USERS ASSUME FULL RESPONSIBILITY FOR THE USE OF THE SITE OFFERINGS. NO ADVICE OR INFORMATION OBTAINED FROM THE COMPANY SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.
USERS AGREE THAT THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (a) THE USE OR INABILITY TO USE THE SITE OFFERINGS; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES; (c) ANY DISPUTE BETWEEN USERS, MARKETING PARTNERS, THIRD-PARTY SERVICE PROVIDERS, OR OTHER THIRD PARTIES; (d) UNAUTHORIZED ACCESS TO OR ALTERATION OF USER DATA; (e) FAILURE TO REALIZE A REQUEST FOR A QUOTE; AND (f) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS. THE MAXIMUM LIABILITY OF THE COMPANY TO ANY USER UNDER ANY CIRCUMSTANCES WILL BE $500. NO ACTION ARISING OUT OF THE SITE OFFERINGS MAY BE BROUGHT MORE THAN ONE YEAR AFTER THE EVENT GIVING RISE TO THE CAUSE OF ACTION. IF APPLICABLE LAW DOES NOT ALLOW CERTAIN LIMITATIONS, THE LIABILITY OF THE COMPANY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
The Company reserves the right to terminate a User's access to the Site Offerings if they infringe upon third-party copyrights. If you believe that your copyrighted work has been copied and posted on the Site in a way that constitutes copyright infringement, please provide the Company with the following information:
Contact information for claims of copyright infringement:
The Site Offerings may contain links to third-party websites, including those of Third-Party Service Providers. The Company does not control the content, information, products, or services on these third-party websites. The inclusion of any link does not imply endorsement by the Company. The Company is not responsible for the availability or operation of these external websites, the material available on or through these websites, or the protection of your data privacy by third parties. The Company is not liable for any loss or damage caused by the use of or reliance on any content, goods, or services available through such sites.
The Company reserves the right to edit or delete any documents, information, or content appearing on the Site at its sole discretion.
All material submitted by Users through or in connection with the Site Offerings, including User Data, is subject to the Privacy Policy. For a copy of the Privacy Policy, please click here.
The Agreement is governed by the laws of the State of New York, without regard to conflict of law principles. You agree to arbitrate all claims arising under the Agreement against the Company or any Covered Parties, who are express third-party beneficiaries of the arbitration provision. In case of a dispute:
If the arbitrator awards you relief greater than the Final Settlement Offer, the Company will pay all filing, administration, and arbitrator fees associated with the arbitration and will reimburse reasonable attorney's fees if you retained an attorney. Any award rendered is final and conclusive, and a judgment may be entered in any court of competent jurisdiction. The Company will not seek an award of attorney's fees and expenses unless your claim is deemed frivolous.
To the extent permitted by law, you agree not to bring, join, or participate in any class action lawsuit or class arbitration against the Company or any Covered Parties. You agree to pay the attorney’s fees and court costs that the Company incurs in seeking to stop such a class action or class arbitration. This provision does not waive your rights to pursue a claim individually in arbitration. You may opt out of these dispute resolution provisions by providing written notice within thirty (30) days of first accessing the Site.
To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit and/or class arbitration as to any claim, dispute or controversy that you may have against any Covered Entity and/or Company (including its employees, officers, directors, members, representatives and/or assigns). You agree to the entry of injunctive relief to stop such a class action lawsuit and/or class arbitration, as applicable, or to remove you as a participant in the suit and/or class arbitration, as applicable. You agree to pay the attorney’s fees and court costs that Company and/or any Covered Party incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits and/or class arbitrations: (i) does not constitute a waiver of any of your rights or remedies to pursue a claim individually, and not as a class action or class arbitration, in binding arbitration as provided above; and (ii) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site.
Users may opt to receive up to ten (10) offers from the Company via text message, including those sent by third parties on the Company's behalf. Supported carriers include AT&T®, Sprint®, Verizon®, Carolina West®, Nextel®, Celicom®, Virgin Mobile®, C Spire®, Boost®, Cincinnati Bell®, Metro PCS®, T-Mobile®, Cricket®, U.S. Cellular®, and others.
To opt out of receiving text messages, reply "STOP," "END," or "QUIT" to any SMS message received. Alternatively, reply with "HELP"; email us at: [email protected]; or call us at: (855) 953-5754 for support. Standard message and data rates may apply to text/SMS communication.
The listed carriers are registered trademarks of their respective owners. The Company is not affiliated with any carrier, and the Site Offerings are not endorsed, administered, or sponsored by any carriers. The carriers are not liable for any delayed or undelivered messages.
If any part of the Site Offerings conflicts with the Agreement, the Agreement takes precedence. The Company’s failure to enforce any provision of the Agreement is not a waiver of the provision or the right to enforce it. The Agreement does not create an agency or partnership relationship. If any part of the Agreement is held invalid or unenforceable, it will be construed in accordance with applicable law, and the remaining portions will remain in full force and effect. The Company may assign its rights and obligations under the Agreement at any time without notice. You may not assign the Agreement or delegate your duties under it. Headings are for reference only and do not define, limit, construe, or describe the scope of any section.
If you have any questions about the Agreement, Site Offerings, or the Company’s practices, contact us at:
California residents are entitled to specific consumer rights information. You may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs at: Address: