Terms of Use

Terms of Use

Last updated: Feb 6^th, 2025

These Website Terms of Use (including any document incorporated by reference herein) for Toro Debt and any and all of its subsidiaries and affiliates (“Toro Debt”) websites cover all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.

PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.

Eligibility; Privacy

The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITES, YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.

Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Use and any other document that is incorporated by reference herein, these Terms of Use shall control.

Toro Debt has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. Toro Debt’s Privacy Policy is hereby incorporated herein by reference.

Products and Services

Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, Toro Debt will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email, or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of any specific institution.

Modification of These Terms of Use

Toro Debt reserves the right to change, modify, add, or remove portions of these Terms of Use at any time by posting amended Terms of Use. Please check these Terms of Use periodically for changes. Your continued use of any of the websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Use will be effective immediately and without further notice.

License Grants

Subject to your compliance with these Terms of Use, Toro Debt hereby grants you a personal, limited, non-exclusive, non-transferable, revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein.

Toro Debt expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.

By using the websites, you hereby grant to Toro Debt a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify, and otherwise use your personal and other information, subject to the restrictions set forth herein (including Toro Debt’s Privacy Policy).

Prohibited Conduct

By using the websites, you agree not to:

• Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein;
• submit, transmit, or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable;
• attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites;
• take any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure;
• use any robot, spider, scraper, or other similar system to access the websites;
• impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or
• submit, upload, post, email, transmit, or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.

Ownership & Proprietary Rights

The websites are owned and operated by Toro Debt. All content displayed on the websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software, and all other elements of the websites are protected by United States copyright, trade dress, patent, and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the websites, all content contained on the websites is the property of Toro Debt and/or its third-party licensors. Except as expressly authorized by Toro Debt, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make any unauthorized use of such content.

Links to Third-Party Sites; Dealings with Third Parties

The websites may include links or references to other web sites owned or operated by third parties with which Toro Debt may have a relationship. Toro Debt has no control over such third-party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites are solely at your own risk.

Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers, or any other product or service provider are solely between you and such third party. Toro Debt is not responsible for any terms, conditions, warranties, or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.

By using the websites as directed, you are acknowledging that Toro Debt does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant, or guarantee the products or services of any third party and is not party to any discussions that you may have or agreement that you may make with any third party. Toro Debt does not charge anyone a fee to use the websites.

Termination; Exclusive Remedy

Toro Debt at any time, in its sole discretion, for any or no reason, and without penalty or liability, may terminate your use of the websites and terminate any session. Toro Debt may also in its sole discretion and at any time discontinue providing access to one or more websites. Any termination of access to the websites may be effected with or without prior notice, and Toro Debt will not be liable to you or to any third party for any such termination. Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities. Your sole and exclusive remedy with respect to any dissatisfaction with (i) the websites, (ii) any term or condition of these Terms of Use, or (iii) any policy or practice of Toro Debt in operating any website is to terminate your access to and discontinuing use of the websites.

Indemnification

You agree to indemnify, save, and hold Toro Debt and its contractors, employees, agents, and its third-party suppliers and business partners harmless from any claims, losses, damages, and liabilities, including legal fees and expenses, arising out of your use or misuse of the websites, any violation by you of these Terms of Use, or any breach of the representations, warranties, and covenants made by you herein. Toro Debt reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with Toro Debt’s defense of any such claims. Toro Debt will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

No Warranty; Disclaimers

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Toro Debt AND ITS THIRD-PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS, OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Toro Debt OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS.

By subscribing to Toro Debt’s SMS program, you agree to receive recurring automated marketing messages at the phone number provided. Consent is not a condition of purchase. Message frequency may vary. Message and data rates may apply. Reply HELP for help or STOP to unsubscribe. Supported carriers include AT&T, T-Mobile, Verizon, and others. Carriers are not liable for delayed or undelivered messages. View our Privacy Policy for more information