Last Updated: 12/1/2025

Welcome to ClearPath Debt Relief (“ClearPath,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website, services, consultations, programs, documents, and any related materials (collectively, the “Services”). By using our Services, you agree to these Terms. If you do not agree, you must not use our Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract in your jurisdiction. By using our Services, you represent that all information you provide is accurate and truthful.

2. Nature of Services

ClearPath Debt Relief provides debt relief guidance, including assessment, negotiation assistance, creditor communication support, settlement planning, and educational resources.

We are not a law firm, not a financial institution, and not a credit repair organization.

We do not provide tax, legal, or financial advice. You should consult qualified professionals for those matters.

3. No Guarantees

While we aim to help you reduce or manage debt, results vary by individual situation.

We cannot and do not guarantee:

That creditors will agree to negotiate

That specific settlements, reductions, or outcomes will occur

That your credit score will improve

That you will avoid legal action

All estimates are projections only, not assurances.

4. Client Responsibilities

You agree to:

Provide complete and accurate financial information

Respond promptly to communications

Make required payments directly to creditors or settlement accounts

Follow the plan outlined by ClearPath advisors

Notify us immediately of changes to your financial status, address, or contact information

Failure to cooperate may delay or prevent the delivery of services.

5. Fees & Payment Terms

All fees will be disclosed before enrollment. By using our Services, you authorize ClearPath to charge agreed-upon fees according to the payment schedule provided to you.

Unless otherwise stated in writing, all payments are final and non-refundable.

6. Communication Consent

By providing your contact information, you agree that ClearPath may communicate with you via phone, email, text, or other methods related to your account or Services. You may opt out of marketing communications at any time.

7. Privacy

We take your privacy seriously. Our collection and use of personal information is governed by our Privacy Policy. By using our Services, you agree to that policy.

8. Third-Party Relationships

ClearPath may work with third-party partners, attorneys, or service providers when necessary.

We are not responsible for the actions, promises, or performance of third-party organizations.

9. Website Use

You agree not to use our website for unlawful purposes or in any way that may damage or interfere with our systems. All content—including text, logos, graphics, and materials—is the property of ClearPath and may not be reproduced without permission.

10. Disclaimer of Warranties

All Services and materials are provided “as-is” without warranties of any kind, express or implied. ClearPath disclaims all liability for errors, omissions, delays, or inaccuracies in the Services.

11. Limitation of Liability

To the fullest extent permitted by law, ClearPath shall not be liable for any:

Loss of income

Loss of data

Indirect, incidental, or consequential damages

Claims arising from actions taken (or not taken) by creditors

Our total liability for any claim shall not exceed the total fees paid by you for the Services.

12. Indemnification

You agree to indemnify and hold ClearPath, its employees, contractors, and affiliates harmless from any claims, losses, damages, or expenses arising out of your use of the Services or violation of these Terms.

13. Termination

ClearPath may suspend or terminate your access to the Services at any time for:

Failure to comply with these Terms

Providing false or misleading information

Abusive or fraudulent behavior

You may terminate your participation by providing written notice.

14. Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any disputes shall be resolved in a court of competent jurisdiction located in Wyoming.

15. Amendments

ClearPath may update these Terms at any time. Updated Terms will be posted on our website, effective as of a revised date. Continued use of the Services constitutes acceptance of the updated Terms.

16. Text Messages

Once you opt in for our services, you will receive text messages with information related to our debt relief services provided to you. You can cancel the SMS service at any time. Simply text "STOP" to the shortcode.

Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

3. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to our email admin@learpathdebtrelief.net or toll-free number 1866.697.5975.

4. Carriers are not liable for delayed or undelivered messages.

5. As always, message and data rates may apply for messages sent to you from us and to us from you. You will receive automatic text messages from our financial analysts. For questions about your text plan or data plan, contact your wireless provider.

6. For privacy-related inquiries, please refer to our privacy policy.

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

For privacy-related inquiries, please refer to our privacy policy: privacy policy.