Terms of Service

1. About Our Service

American Debt Path is operated by Lumen Partners Inc. ("Company," "we," "us"). We provide an online assessment tool that helps consumers evaluate their debt situation and connects them with qualified debt settlement firms, attorneys, and financial service providers ("Service Providers").

2. Eligibility

• You must be at least 18 years old to use this Website.
• You must be a resident of the United States.
• By using the Website, you represent that you meet these requirements.

3. How the Service Works

1. You complete our debt assessment quiz, providing information about your financial situation.
2. Based on your responses, we match you with one or more Service Providers who may be able to help.
3. Your information is shared with those Service Providers, who will contact you to discuss your options.
4. You are under no obligation to use any Service Provider we connect you with.

4. No Guarantee of Results

• We do not guarantee that you will be matched with a Service Provider.
• We do not guarantee any specific outcome from using a Service Provider's services.
• Debt settlement results vary by individual — the amount of debt you can resolve and the time it takes depend on many factors outside our control.
• Debt settlement may have tax consequences and may affect your credit score. Consult a tax professional and financial advisor.

5. Your Responsibilities

• Accurate Information: You agree to provide truthful, accurate, and complete information. Providing false information may result in an inability to match you with appropriate services.
• Your Decisions: Any decision to engage a Service Provider is yours alone. We are not a party to any agreement between you and a Service Provider.
• Communication Consent: By submitting your information, you consent to being contacted as described in our Privacy Policy and TCPA disclosure.

6. Consent to Contact

By submitting your information through our Website, you provide express written consent for Lumen Partners Inc. and its network of Service Providers to contact you at the phone number(s) and email address(es) you provide, including via:

• Automated telephone dialing systems and auto-dialers
• Pre-recorded or artificial voice messages
• SMS/text messages
• Email communications

This consent applies even if your number is on any Do Not Call list. Consent is not required to obtain any services. Message and data rates may apply. You may revoke consent at any time by contacting us or replying STOP to any text message.

7. Intellectual Property

All content on this Website — including text, graphics, logos, images, and software — is the property of Lumen Partners Inc. or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Prohibited Uses

You agree not to:

• Use the Website for any unlawful purpose
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated tools (bots, scrapers) to access the Website
• Interfere with or disrupt the Website's operation
• Impersonate another person or entity

9. Disclaimers

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Website will be uninterrupted, error-free, or secure
• Any Service Provider will provide satisfactory services
• Any specific debt relief outcome will be achieved

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUMEN PARTNERS INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, including but not limited to loss of profits, data, or goodwill, arising from:

• Your use of or inability to use the Website
• Any conduct or content of third-party Service Providers
• Unauthorized access to your data

Our total liability for any claim shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Lumen Partners Inc. and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Website, your violation of these Terms, or your violation of any third-party rights.

12. Third-Party Links and Services

The Website may contain links to third-party websites or services. We are not responsible for their content, practices, or terms. Your interactions with Service Providers are governed by their own terms and privacy policies.

13. Dispute Resolution

Governing Law: These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

Arbitration: Any dispute arising from these Terms or your use of the Website shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in New York, NY.

Class Action Waiver: You agree that any dispute resolution will be conducted on an individual basis only, not as a class, consolidated, or representative action.

Small Claims Exception: Either party may bring an individual action in small claims court.

14. Changes to Terms

We may update these Terms at any time. Changes take effect when posted. Your continued use constitutes acceptance of the updated Terms.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force.

16. Contact Us

• Email: legal@lumenleads.live
• Mail: Lumen Partners Inc., 138-42 76th Ave, Flushing, NY 11367