Welcome to Chaptr7. These terms and conditions govern your use of our website, located at chaptr7.com. By accessing or using our website, you agree to comply with these terms. If you do not agree, please do not use our site.

By using this website, you signify your acceptance of these terms and conditions. If you do not agree to these terms, please refrain from using our website. Continued use of the site following the posting of changes to these terms will be deemed your acceptance of those changes.

Our website uses cookies to enhance your browsing experience. By accessing Chaptr7, you consent to our use of cookies in accordance with our Privacy Policy. Cookies are small files stored on your computer that track information about your visits and usage of our website.

Chaptr7 provides services including debt counseling, legal assistance, and financial planning. While we strive to offer accurate and helpful advice, we do not guarantee specific outcomes. All services are provided "as is" and subject to the terms outlined herein. Chaptr7 does not provide legal advice; users should consult their own legal advisors.

When creating an account with us, you must provide accurate, complete, and current information at all times. You are responsible for safeguarding your password and for any activities or actions under your account. If you become aware of any security breach or unauthorized use of your account, you must notify us immediately. We are not liable for any loss or damage arising from your failure to comply with this security obligation.

Unless otherwise stated, Chaptr7 and/or its licensors own the intellectual property rights for all material on Chaptr7. All intellectual property rights are reserved. You may access this from Chaptr7 for your personal use subject to restrictions set in these terms and conditions. Any unauthorized use of our intellectual property is prohibited.

This website allows users to post comments and exchange opinions in certain areas. Chaptr7 does not pre-screen, edit, or monitor comments before they appear on the website. Comments reflect the views of the individual who posts them and do not represent our views or opinions. We reserve the right to remove any comments that are deemed inappropriate, offensive, or in breach of these terms and conditions.

We are not responsible for any content that appears on your website. You agree to protect and defend us against all claims arising from content on your site. No links should appear on any website that may be interpreted as defamatory, obscene, criminal, or which infringes, otherwise violates, or advocates the infringement or violation of any third-party rights.

We reserve the right to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our website, you agree to be bound to and follow these linking terms and conditions.

If you find any link on our website that is offensive for any reason, you are free to contact us and inform us at any moment. We will consider requests to remove links but are not obligated to do so or to respond directly.

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will limit any of our or your liabilities in any way that is not permitted under applicable law or exclude any of our or your liabilities that may not be excluded under applicable law. We do not warrant that the website will be constantly available, or available at all, or that the information on the website is complete, true, accurate, or non-misleading.

In no event shall Chaptr7, nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this website, whether such liability is under contract. Chaptr7, including its officers, directors, and employees, shall not be held liable for any indirect, consequential, or special liability arising out of or in any way related to your use of this website. This includes, but is not limited to, loss of profits, business interruption, loss of data, or other losses.

You hereby indemnify to the fullest extent Chaptr7 from and against any and all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney's fees) arising out of or in any way related to your breach of any of the provisions of these Terms. This includes, but is not limited to, any third-party claims arising out of your use of the website or services.

These terms and conditions are governed by and construed in accordance with the laws of the State of California US, and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Chaptr7 reserves the right to revise these terms at any time. By using this website, you agree to be bound by the current version of these Terms and Conditions. We will notify users of any changes by updating the terms on our website and revising the “last updated” date at the top of this page. We encourage you to review this page periodically to stay informed about any changes.

We may terminate or suspend access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the services will immediately cease. If you wish to terminate your account, you may simply discontinue using the services. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Any disputes arising out of or relating to these terms and conditions or your use of the website shall be resolved through binding arbitration administered by the American Arbitration Association® (AAA®) in accordance with its rules, which can be found at www.adr.org. This method provides a fair, rational, and less adversarial means to handle disputes compared to traditional litigation. This does not apply to claims for injunctive relief regarding a breach of intellectual property rights, which may be brought in any competent court. Arbitration proceedings will be confidential, and the arbitrator's decision will be final and binding.

If any provision of these terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity will not render these terms unenforceable or invalid as a whole. Such provisions will be deleted without affecting the remaining provisions herein.

These terms, along with our Privacy Policy, constitute the entire agreement between you and Chaptr7 regarding your use of our website and services and supersede all prior agreements and understandings.

Chaptr7 will not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, pandemics, labor disputes, and governmental actions.

Failure of Chaptr7 to enforce any right or provision of these terms will not be deemed a waiver of such right or provision. Any waiver of any provision of these terms will be effective only if in writing and signed by an authorized representative of Chaptr7.

Our website may include links to third-party websites or services that are not owned or controlled by Chaptr7. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Chaptr7 will not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.

Chaptr7 may use artificial intelligence (AI) tools to provide certain services, including but not limited to content generation, financial analysis, and customer support. By using our services, you acknowledge and agree to the following: