Effective Date: June 23, 2025

1. ACCEPTANCE OF TERMS

By purchasing and downloading "The Medical Debt Elimination System" (the "Product"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not purchase or use this Product.

2. PRODUCT DESCRIPTION

"The Medical Debt Elimination System" is a digital educational guide that provides information, strategies, and templates related to medical debt negotiation and management. The Product contains general information and is not intended as professional legal, financial, or medical advice.

3. LICENSE TO USE

Upon purchase, you are granted a non-exclusive, non-transferable license to use the Product for personal use only. You may not:

- Resell, redistribute, or share the Product

- Modify, alter, or create derivative works

- Use the Product for commercial purposes

- Share login credentials or download links

4. DISCLAIMERS

Educational Purpose Only

This Product is for educational and informational purposes only. It does not constitute legal, financial, medical, or professional advice.

No Guarantee of Results

While the strategies described in this Product have been used successfully by others, we make no guarantee that you will achieve similar results. Individual outcomes may vary based on circumstances, effort, and other factors beyond our control.

Fictional Elements

This Product contains fictional stories and characters used for illustrative purposes. While the strategies and information are based on real-world applications, the specific characters and scenarios are fictional.

5. LIABILITY LIMITATIONS

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages

Our total liability shall not exceed the amount you paid for the Product

You assume all risks associated with using the information in this Product

6. USER RESPONSIBILITIES

You are responsible for:

- Verifying the accuracy of information before acting on it

- Consulting with qualified professionals for specific situations

- Complying with all applicable laws and regulations

- Using the Product in accordance with these terms

7. INTELLECTUAL PROPERTY

All content in the Product, including text, graphics, logos, and designs, is our property or used with permission. You may not use our intellectual property without written consent.

8. TERMINATION

We may terminate your license to use the Product at any time for violation of these terms. Upon termination, you must delete all copies of the Product.

9. MODIFICATIONS

We reserve the right to modify these terms at any time. Continued use of the Product after changes constitutes acceptance of the new terms.

10. GOVERNING LAW

These terms are governed by the laws of California, USA, without regard to conflict of law principles.

11. CONTACT INFORMATION

For questions about these terms, contact us here.