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Terms of Service

Effective Date: April 10, 2026

1. Agreement to Terms

By accessing and using the Covian Debt website and services (collectively, the "Service"), you agree to be bound by these Terms of Service. If you do not agree to abide by these terms, please do not use this Service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Covian Debt's Service for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or for any public display
  • Attempt to decompile or reverse engineer any software contained on the Service
  • Remove or obscure any copyright or other proprietary notice
  • Transfer the materials to another person or "mirror" the materials on any other server
  • Violate any applicable laws or regulations
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service

3. Important Disclaimer: Educational Information Only

3.1 Not Financial Advice

IMPORTANT: The information provided on Covian Debt is educational and informational in nature only. It is NOT financial advice, legal advice, or professional guidance of any kind. The content should not be construed as:

  • A recommendation to pursue any particular debt relief option
  • A guarantee of any specific debt relief outcome
  • Legal counsel regarding your financial or debt situation
  • Investment advice or guidance
  • A professional opinion tailored to your specific circumstances

3.2 Individual Circumstances Vary

Debt relief outcomes depend on many factors including your specific debt situation, income, credit history, state of residence, and the choices you make. What works for one person may not work for another. The information we provide is general in nature and may not apply to your specific situation.

3.3 Consult Qualified Professionals

Before making any decisions about debt relief, we strongly recommend that you consult with a licensed financial advisor, bankruptcy attorney, or other qualified professional who can review your specific circumstances and provide personalized guidance.

4. Affiliate Disclosure and Compensation

4.1 Affiliate Relationships

Covian Debt has affiliate relationships with various debt relief agencies, financial service providers, debt consolidation companies, and related businesses. When you provide information through our Service and are matched with affiliate partners, we may earn commissions, referral fees, or other compensation from those partners if you pursue their services.

4.2 Disclosure

This means that our recommendations and the information we provide may be influenced by these financial relationships. We disclose this affiliate relationship to you transparently because we believe in honesty about our business model.

4.3 Impact on Your Use

The inclusion of affiliate partners does not cost you anything additional. However, you should be aware that our Service is designed to generate leads and referrals for our partners, and our compensation depends on your engagement with those partners.

5. User Eligibility and Representation

5.1 Age Requirement

By using this Service, you represent and warrant that you are at least 18 years of age. We do not knowingly provide services to individuals under 18.

5.2 U.S. Residents Only

Covian Debt is intended for U.S. residents only. If you are not a U.S. resident, you may not use this Service.

5.3 Accuracy of Information

You agree to provide accurate, complete, and truthful information when using our Service. You are responsible for maintaining the confidentiality of any information you provide and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your information or account.

6. No Guarantees of Debt Relief Outcomes

IMPORTANT: We make NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES regarding:

  • Whether you will qualify for any debt relief program
  • How much debt reduction you may achieve
  • The timeline for debt relief
  • The impact on your credit score
  • Whether any affiliate partner will approve your application
  • The specific terms or conditions any partner offers
  • Any other outcome related to debt relief

Debt relief is not guaranteed, and outcomes vary significantly based on individual circumstances, the debt relief method chosen, and actions taken by third parties.

7. Limitation of Liability

7.1 Disclaimer of Warranties

THE SERVICE AND ALL MATERIALS, INFORMATION, AND CONTENT PROVIDED ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. COVIAN DEBT MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

7.2 Limitation of Damages

IN NO EVENT SHALL COVIAN DEBT, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR OTHER SIMILAR DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF DATA, LOSS OF PROFITS, OR OTHER INTANGIBLE LOSSES, EVEN IF COVIAN DEBT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.3 Limitation of Liability Cap

IN NO EVENT SHALL COVIAN DEBT'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE EXCEED $100.

8. Third-Party Links and Services

Our Service may contain links to third-party websites and services, including our affiliate partners. We are not responsible for the content, accuracy, or practices of these third-party sites. Your use of third-party websites is governed by their terms and privacy policies, which we encourage you to review. We do not endorse and are not liable for any third-party content or services.

9. Dispute Resolution and Governing Law

9.1 Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. For disputes involving state-specific laws, the laws of the state where the user resides shall apply.

9.2 Arbitration

Any disputes arising out of or relating to these Terms of Service or your use of the Service shall be resolved through binding arbitration administered by a mutually agreed-upon arbitrator or through JAMS (Judicial Arbitration and Mediation Services). The arbitration shall take place in the United States, in the county or state where you reside if you request it.

9.3 Exceptions to Arbitration

Notwithstanding the arbitration requirement above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

9.4 Small Claims Court

For claims under $10,000, you may pursue your claim in small claims court instead of arbitration if you prefer.

10. Intellectual Property Rights

All content on Covian Debt, including text, graphics, logos, images, and software, is the property of Covian Debt or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit this content without our prior written consent.

11. User Conduct

You agree that you will not:

  • Use the Service for any unlawful purpose or in violation of any applicable laws
  • Harass, abuse, or threaten others
  • Engage in any conduct that is defamatory, obscene, or otherwise objectionable
  • Attempt to gain unauthorized access to the Service or its systems
  • Interfere with or disrupt the integrity or performance of the Service
  • Transmit viruses, malware, or harmful code
  • Collect or use personal information about others without consent

12. Termination of Service

Covian Debt reserves the right to terminate your access to the Service at any time, for any reason, with or without notice. This includes termination for violation of these Terms of Service.

13. Changes to Terms

Covian Debt may modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website. Your continued use of the Service after such changes constitutes your acceptance of the modified Terms of Service.

14. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if such modification is not possible, that provision shall be severed, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other policies posted on our website, constitute the entire agreement between you and Covian Debt regarding your use of the Service and supersede all prior and contemporaneous agreements, whether written or oral.

16. Contact Us

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

Covian Debt
Email: info@coviandebt.com
Website: coviandebt.com