Terms of Use

Last Updated: December 22, 2025

1. Acceptance of These Terms

By accessing or using SimulaFinancial.org (the “Website”), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, you may not use this Website.

2. Nature of the Website (IMPORTANT)

SimulaFinancial.org is a marketing and lead generation website.

We do not provide debt relief services, lending services, legal services, financial advisory services, or credit counseling.

Information submitted through this Website may be shared with third-party service providers, including SimulaFinancial.com, who may contact you regarding your inquiry.

3. No Professional Advice

All information provided on this Website is for general informational purposes only. Nothing on this Website constitutes legal, financial, tax, or professional advice.

You should consult with a qualified professional before making any financial decisions.

4. No Guarantee of Results

Submitting information through this Website does not guarantee that you will qualify for any service, receive approval, or achieve any particular outcome. Results vary based on individual circumstances and provider criteria.

5. User Representations

By using this Website, you represent that:

You agree not to submit false, misleading, or fraudulent information.

6. Consent to Communications (TCPA)

By submitting your information, you provide your prior express written consent to be contacted by SimulaFinancial.org and third-party service providers, including SimulaFinancial.com, via phone calls, text messages, emails, and prerecorded or automated technologies.

Consent is not a condition of purchase. Message frequency may vary. Message and data rates may apply. You may opt out of text messages at any time by replying STOP.

7. Third-Party Websites and Services

This Website may contain links to third-party websites. We do not control, endorse, or assume responsibility for the content, policies, or practices of any third-party websites or services.

Your interactions with third parties are governed solely by their own terms and policies.

8. Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is the property of SimulaFinancial.org or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.

9. Disclaimer of Warranties

This Website is provided on an “AS IS” and “AS AVAILABLE” basis. We make no warranties or representations of any kind, express or implied, regarding the operation of the Website or the information provided.

We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, SimulaFinancial.org and its owners, affiliates, officers, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Website or reliance on any information provided.

11. Indemnification

You agree to indemnify and hold harmless SimulaFinancial.org and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from:

12. Arbitration & Governing Law

Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved through binding arbitration, except where prohibited by law.

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.

13. Changes to These Terms

We may update these Terms of Use at any time. Changes will be effective upon posting to this page. Continued use of the Website constitutes acceptance of the revised Terms.

14. Contact Information

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

SimulaFinancial.org
📧 Email: privacy@simulafinancial.org
🌐 Website: https://simulafinancial.org