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← Paid in Full

Terms of Use

Last updated: [date]

Paid in Full ("the service") is run by [Operator legal name] ("we"). By creating an account you agree to these terms.

1. What the service does

People post a debt they owe. A verifier reviews it. A donor may choose to pay the creditor directly as a personal gift. The service only shares information between them.

2. We never handle money, and we charge no fees

• Donors pay creditors directly. No money passes through the service, us, or any account we control.
• We charge no fees, take no percentage, and accept no payment from posters, donors or creditors for any listing.
• We do not sell, rent or trade user information, and we do not show ads.
• Anyone who asks you to send money to them, to us, or to any account other than your creditor's official payment channel is not acting for the service. Report it.

3. Gifts, not donations

A payment to someone's creditor is a personal gift to that person. [Unless and until the service is run by a registered 501(c)(3), payments are not tax-deductible.] Donors are responsible for any gift-tax filings. Nothing here is tax or legal advice.

4. Posters

• You may only post debts that are yours, with accurate information and genuine documents.
• You agree that the creditor name, account number, payoff amount and payment method may be shared with one approved donor so they can pay it.
• A listing is a request, not a promise. No one is obligated to pay your debt.
• You will upload the creditor's paid-in-full letter after a payment, and report any problem promptly.

5. Donors

• A pledge is a good-faith commitment, but you are not legally bound to complete it. If you can't pay, withdraw or tell a verifier so the debt can go to someone else.
• Pay only through the creditor's official channel. Use the creditor details only to pay that debt.
• Payments are made at your own risk. We cannot recover or refund a payment.

6. Verification has limits

Verifiers review documents and try to confirm debts with creditors, but "verified" is not a guarantee. We are not responsible for false information, misapplied payments, or creditor errors.

7. Not allowed

Fake debts or documents, posting someone else's debt, misusing creditor or personal details, harassing anyone, or using the service to raise money for yourself or anyone else outside this process. We may remove listings and accounts that break these rules.

8. No warranty

The service is provided as is, without warranties. To the extent the law allows, our liability is limited to [amount].

9. Changes and contact

We may update these terms and will post the date above. Questions: [contact email]. Governing law: [state].