We offer you the services of New Life After Debt on the condition that you agree to the following terms:

Acceptance
The following legal terms and conditions govern your use of the financial calculators, information, materials and documents being made available to you (the "Materials"). BY SUBMITTING A QUERY OR BY USING THE MATERIALS, YOU SIGNIFY ELECTRONICALLY YOUR AGREEMENT TO ALL TERMS, CONDITIONS, AND NOTICES CONTAINED OR REFERENCED HEREIN (THE "TERMS OF USE").

Please review these terms carefully. If you do not agree to these Terms of Use please do not submit a query or use this website or the Materials.

We reserve the right, at our discretion, to update or revise these Terms of Use at any time. Please check the Terms of Use periodically for changes. Your continued use of the Materials following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

Electronic Delivery Policy and Your Consent
By using the Materials, you consent to receive from New Life After Debt all communications, including notices, agreements, legally required disclosures or other information in connection with the Materials (collectively, "Notices") electronically. New Life After Debt shall provide such electronic Notices by posting them on this website. You understand and agree that New Life After Debt is an online service and transacts with users like you in electronic form only. If you desire to withdraw your consent to receive Notices electronically, you must discontinue your use of the website and the Materials.

License to and Limitations on Use of Financial Calculators and Content Information
Provided you comply with these Terms of Use, New Life After Debt grants you a nonexclusive, non-transferable license to view and print the Materials solely for your own personal non-commercial use. You may share a financial calculator with another individual for that individual's personal non-commercial use. You may not commercially exploit the Materials or the underlying data, including without limitation, you may not create derivative works of the Materials, use any data mining, robots, or similar data gathering and extraction tools on the Materials, frame any portion of the Materials, or reprint, copy, modify, translate, port, publish, sublicense, assign, transfer, sell, or otherwise distribute the Materials without the prior written consent of New Life After Debt. You shall not derive or attempt to derive the source code or structure of all or any portion of the Materials by reverse engineering, disassembly, decompilation or any other means. You shall not use the Materials to operate a service bureau or for any other use involving the processing of data of others. You do not receive any, and New Life After Debt and its licensors retain all, ownership rights in the Materials. You may not alter or remove any copyright notice or proprietary legend contained in or on the Materials. Nothing contained herein shall be construed as granting you a license under any copyright, trademark, patent or other intellectual property right of New Life After Debt or any third party, except for the right of use license expressly set forth herein.

Your License to New Life After Debt
Should you provide New Life After Debt with information including but not limited to feedback, data, answers, questions, comments, suggestions, plans, ideas or the like, such information shall be deemed to be nonconfidential and New Life After Debt assumes no obligation to protect such information from disclosure. The submission of such information to New Life After Debt shall in no way prevent the purchase, manufacture or use of similar products, services, plans and ideas by New Life After Debt for any purpose whatsoever and by such submission you (i) grant to New Life After Debt the irrevocable right to reproduce, use, disclose and distribute the information to others without restriction or compensation required, and (ii) warrant and represent that you own or otherwise control all of the rights to the information and that public posting and use of the information by New Life After Debt will not infringe or violate the rights of any third party.