Terms & Conditions

This document is the terms and conditions for the usage of the Local Debt Services Inc. website.

Last Updated Feb 22, 2022

Local Debt Services’ corporate office is located at 1501 Biscayne Boulevard, Miami Florida, 33132, USA.

By using the content on the LDS website we assume that you (the “visitor” or “user”) fully accepts these terms and conditions, our Legal Disclaimer (at the bottom of this page), and our privacy policy in full. Please do not use this website or any of it’s contents if you DO NOT full accept and agree to all contents in this document.

Terminology Notice

The following terminology is used in this page (“terms and conditions”), our privacy policy, and our disclaimer.

“You”, “Your” and “Client” refers to you, and “Ourselves”, “The Company”, “We”, “Our”, LDS, and “Us”, refers to us (Local Debt Services Inc.). Furthermore, “Parties”, “Party”, or “Us”, refers to both our end-users and LDS, AND/OR or either the end-user or ourselves.

Intellectual Property Rights

The owners and operators of LDS reserve the right(s) to our intellectual property. However, if you wish, you can print off any of the pages of this website for personal use, as long as you adhere to the policies and terms of this agreement between you and our company

You agree to never:

1) copy any of the content from any of the pages of this website and republish it elsewhere (online or in hard copy print)
2) sell or rent any of the content from any of the pages of this website

If for any reason you wish to use our content elsewhere (“online” or “in print”) you can contact us requesting permission. We will get back to you with our answer within 48 hours.

Linking to Our Website

In this section we are referring to Internet hyperlinks. To learn more about hyperlinks, tap or click here.

We reserve the right to disallow any third-party website owner and/or operator linking to any of our website pages. If we notice a link coming from a suspicious website and/or entity, we will contact the website owner(s) and request the immediate removal of said hyperlink(s).

Links on Our Website

On our website we link out to third-party properties frequently. These links are there to enhance your experience, and help you in a more thorough way. These links may include State government websites, Federal Government websites, local service lenders and/or providers in all continental States within the USA.

If for any reason you take issue with any of these links, please contact us and we will consider your request. If deemed appropriate, we will remove said link(s) within 48 hours of notice.

If you are service provider, lender, bank, credit union, affiliate vender, credit counselor, community service provider (or other), and you don’t wish to have a link to your website (or have your organization listed on our website), please contact us, and we will remove your information and link within 48 hours.

Content Liability

We work hard to make sure all content published on our website is as accurate, up-to-date, and comprehensive as possible. However, we can’t guarantee that ALL said content is 100% accurate and up-to-date, and you agree as the user to never hold the owners, operators, webmasters, and/or staff of LDS liable for any real or perceived harm to you when in the act of using said content for any purposes.

Furthermore, if you take issue with any content published on this website, please contact us so we can consider the removal of said content.

Third-Party Website Liability

We accept NO liability or responsibility for ANY content appearing on your domain (website). You must fully agree to indemnify and defend us against all claims arising out of or based upon your website. No content on your website shall be published that could be interpreted as obscene, criminal, libelous, or violates, or advocates the infringement or other violation of, any third party rights.

Legal Disclaimers

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury resulting from negligence;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature (whether actual or perceived).

Disclaimers Regarding State Usury Regulation Information Published on Our Website:

On our State debt services pages, and our City pages we provide the usury laws and regulations pertaining to all consumer lending that govern the specific State, City, or County. This is for informational purposes only, and not to be mistaken with legal guidance, counseling, or recommendation(s).

Furthermore, any financial or bank system information, legal references, tips, or other content on LocalDebtServices.com is provided for informational purposes only. The owners, users, publishers, and editors of LocalDebtServices.com is NOT GIVING YOU legal advice, financial advice, other than to learn how to budget and avoid debt whenever possible.

Loan Example Articles

On some of our pages we have articles written by our staff regarding individuals with debt problems (at one time or another). The information used is given to our staff by the featured borrower with their full and expressed consent on the condition

a) LDS changes the names of the individuals to protect their PII

b) LDS does not share their personal information with other third-parties

We give no guarantee that your experience using our website and content will result in the same outcome as the borrowers featured in said articles. You the user must agree to not hold LDS employees, owners, or staff accountable if you decide to employ the same processes as the borrowers featured in the said articles.

Amendments

This terms & conditions will be amended on occasion. We will make you aware of any and all changes to this document by removing or adding content to this terms & conditions page. You will be notified of the changes to our terms & conditions at the top of this page, just under the title “Terms & Conditions”.