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Terms & Conditions | Finish Line Debt

Terms & Conditions

Effective Date: 01/01/2026

Welcome to Finish Line Debt (“we,” “us,” “our”). These Terms & Conditions (“Terms”) govern your access to and use of the website https://www.finishlinedebt.com/ (the “Site”), and any content, forms, tools, and services made available through the Site (collectively, the “Services”). By accessing or using the Site or Services, you agree to these Terms. If you do not agree, do not use the Site or Services.

1. Acceptance of Terms

By using this Site, you represent that you are at least 18 years of age and able to enter into legally binding contracts. You agree to comply with all applicable laws and regulations in connection with your use of the Site.

2. Scope of Services

Finish Line Debt provides information about debt-related options, which may include debt consolidation, debt settlement, and related financial solutions. The Site may include tools such as estimate forms and eligibility checks. Use of these tools is subject to your acceptance of these Terms.

Important: Nothing on this Site constitutes financial, legal, or tax advice. You should consult with appropriate professionals before making decisions regarding your financial situation.

3. Eligibility & Program Information

Any programs, products, or options referenced on the Site are subject to eligibility criteria, verification, and (where applicable) approval by third parties. Eligibility is not guaranteed. Terms, costs, interest rates (including APR), amounts, and repayment periods may vary based on your profile and any applicable third-party requirements.

Programs may not be available in all states. Any examples shown are estimates for illustrative purposes only. Actual terms depend on review and approval.

4. User Conduct

You agree that you will not:

  • Use the Site for any unlawful purpose.
  • Interfere with or disrupt the operation of the Site or Services.
  • Attempt to access data not intended for you or attempt to breach security measures.
  • Upload, transmit, or distribute any viruses, malware, or other harmful code.

5. Privacy & Cookies

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and disclose information about you. By using the Site, you consent to our privacy practices.

We may use cookies and similar technologies to help operate the Site and improve your experience.

6. Intellectual Property

All content on this Site, including text, graphics, logos, trademarks, and software, is owned by Finish Line Debt or its licensors and is protected by intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from Site content without prior written permission, except as allowed by law.

7. Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee the accuracy, completeness, or usefulness of information provided on the Site, and we disclaim liability for errors or omissions and for any outcomes related to your reliance on such information.

8. Limitation of Liability

To the maximum extent permitted by law, Finish Line Debt and its affiliates, officers, directors, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from or related to your use of the Site or Services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Finish Line Debt and its affiliates, officers, directors, employees, agents, and partners from and against all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site or Services or your violation of these Terms.

10. Modifications to Terms

We may update these Terms from time to time. Revised Terms will be posted on the Site and will be effective as of the posted effective date. Your continued use of the Site after changes are posted means you accept the updated Terms.

11. Governing Law & Dispute Resolution

These Terms and any dispute arising out of or related to your use of the Site are governed by the laws of the State of California, without regard to conflict of law principles.

Any legal action must be brought exclusively in the state or federal courts located in Pasadena, CA, and you consent to the jurisdiction of such courts.

12. Contact Information

If you have questions about these Terms, contact us:

Compliance note: If you offer or market debt settlement or related services, you may need additional disclosures (fees, timing, credit impact, tax implications, state availability, licensing, and third-party relationships) shown prominently on the Site and/or in a separate disclosure page.