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Terms of Service

Last Updated: November 26, 2025


1. Acceptance of Terms

Welcome to Talk About Debt ("Company," "we," "our," or "us"). By accessing or using our website located at talkaboutdebt.ai (the "Site") and our AI-powered financial counselor, Zero (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.


2. Important Legal Disclaimers

A. Not Financial or Legal Advice

The content provided on this Site and through our AI chatbot, Zero, is for informational and educational purposes only. Talk About Debt is a technology company, not a law firm, financial advisory firm, accounting firm, or credit repair organization.

Using our Services does not create an attorney-client, fiduciary, or professional advisor relationship between you and the Company. You should not rely on our Services as a substitute for professional advice. We strongly recommend consulting with a licensed attorney, financial planner, or tax professional regarding your specific situation.

B. Artificial Intelligence Disclosure

Zero is an artificial intelligence (AI) chatbot. While Zero is trained on expert strategies and real-world scenarios, it is not a human. AI systems can occasionally provide incorrect, incomplete, or misleading information ("hallucinations"). You are responsible for verifying any information provided by Zero before taking action. The Company is not responsible for any decisions you make based on conversations with Zero.


3. How We Make Money (Affiliate Disclosure)

We believe in radical transparency. Talk About Debt is a for-profit business.

While our educational content and access to Zero are provided to you for free, we may earn a commission or referral fee when you click on links to our third-party partners or sign up for their services (such as credit counseling agencies, debt settlement firms, or credit repair tools).

Our partnerships do not influence the educational facts we present, but they allow us to operate this Site without charging you a subscription fee.


4. Use of Services

A. Eligibility

You must be at least 18 years old to use our Services. By using the Site, you represent and warrant that you meet this age requirement.

B. Prohibited Conduct

You agree not to:

  • Use the Services for any illegal purpose.
  • Attempt to "jailbreak," reverse engineer, or manipulate the AI chatbot.
  • Input sensitive personal information (such as full Social Security Numbers or bank passwords) into the chatbot unless explicitly prompted by a secure form.
  • Harass, abuse, or harm another person or entity through the use of our Services.


5. Intellectual Property

All content, features, and functionality on the Site (including the "Zero" character, text, graphics, logos, and software) are the exclusive property of Talk About Debt and are protected by United States and international copyright, trademark, and other intellectual property laws.


6. Third-Party Links and Tools

Our Services may contain links to third-party websites or services that are not owned or controlled by Talk About Debt (e.g., Cambridge Credit Counseling). We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Talk About Debt shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of any such third-party services.


7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TALK ABOUT DEBT, ITS FOUNDERS, AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; OR (III) ANY CONTENT OBTAINED FROM THE SERVICES.


8. Indemnification

You agree to defend, indemnify, and hold harmless Talk About Debt and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.


9. Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Services will be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.


10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.


11. Contact Us

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

Talk About Debt

Email: admin@talkaboutdebt.ai