Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the OnlyOne Relief website and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

OnlyOne Relief provides debt relief services directly. We are not a credit counseling agency or law firm.

2. Nature of Our Service

OnlyOne Relief evaluates the information you submit through our website and, if you qualify, enrolls you in a debt relief program that we provide directly.

Important: OnlyOne Relief does not guarantee that you will qualify for any particular program, or that any specific outcome will be achieved. Results vary based on individual circumstances, the amount of debt enrolled, the creditors involved, and other factors outside our control.

3. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our Service. By using the Service, you represent and warrant that you meet these requirements. Our Service is generally most appropriate for individuals with $10,000 or more in debt; however, eligibility for any specific program is determined solely by OnlyOne Relief.

4. Consent to Be Contacted — TCPA Disclosure

By submitting a form on this website, you expressly consent, by electronic signature, to receive marketing and informational communications from OnlyOne Relief, including through the use of:

• Automated telephone dialing systems (ATDS);
• Artificial or pre-recorded voice messages;
• SMS/MMS text messages; and
• Email communications.

These communications may be sent to the phone number and email address you provide, even if your number is listed on a state, federal, local, or corporate Do Not Call (DNC) registry. Consent is not a condition of any purchase or service. Carrier message and data rates may apply.

You may revoke your consent at any time by replying "STOP" to any text message, calling (667) 446-3013, or emailing [email protected]. Opt-out requests will be honored within 10 business days.

5. Fees

OnlyOne Relief does not charge you any fee for your free evaluation. Any fees associated with your debt relief program are disclosed to you in advance under your separate service agreement with OnlyOne Relief. Under the FTC's Telemarketing Sales Rule (TSR), debt relief companies may not charge advance fees before settling or resolving your debts.

6. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms on our website. You are responsible for the accuracy of all information you provide. Providing false or misleading information may result in an inability to enroll you in an appropriate program and may violate applicable law.

7. Disclaimers and Limitations of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSOR IMPLIED. ONLYONE RELIEF DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ONLYONE RELIEF SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

Important Debt Relief Disclosures:

• Debt relief programs may negatively impact your credit score.
• Creditors are not obligated to negotiate or settle debts.
• You may be subject to lawsuits from creditors during a debt settlement program.
• Forgiven debt may be considered taxable income by the IRS.
• Results vary based on individual circumstances. Past results do not guarantee future outcomes.
• Debt relief services may not be available in all states.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of OnlyOne Relief or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation. If not resolved, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between you and OnlyOne Relief individually. To the fullest extent permitted by law, you waive your right to participate in a class action lawsuit or class-wide arbitration.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a revised "Last Updated" date. Your continued use of the Service after any changes constitutes your acceptance of the updated Terms.

11. Contact Us

If you have questions about these Terms, please contact us: