Back to debt-digest.com Terms of Service

Platform terms governing use of Debt Digest.

These Terms of Service govern access to and use of the Debt Digest platform by creditors, settlement firms, and consumers. The full counsel-tier compliance posture (FDCPA / Reg F identity, Mini-Miranda treatment) is published at /legal.

Effective date
Entity
Debt Digest, Inc. (Delaware C-Corp)
Contact
legal@debt-digest.com
Version
1.2
Last reviewed
Governing law
State of Delaware

1. Acceptance of these Terms

These Terms of Service (the “Terms”) form a binding agreement between Debt Digest, Inc., a Delaware corporation (“Debt Digest,” “we,” “us,” or “our”), and the entity or individual accessing or using the Debt Digest website, application programming interfaces, and platform (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you are accepting these Terms on behalf of a legal entity (for example, a credit union, bank, fintech lender, debt buyer, or settlement firm), you represent that you have authority to bind that entity. If you do not agree, do not use the Service.

2. What the Service is

Debt Digest provides shared receivables and bad-debt workflow software for creditors, account owners, agencies, law firms, consumer representatives, and consumers. Authorized participants use the Service to manage account records, communications, disputes, offers, payment arrangements, assignments, representation, and audit history.

Debt Digest is not a lender, does not extend credit, is not a law firm, and does not provide legal advice. The Service’s software role does not by itself determine whether Debt Digest or another participant is a creditor, servicer, debt collector, representative, furnisher, or other regulated actor. Those classifications and duties depend on actual conduct, authority, contracts, account context, jurisdiction, and applicable law. Participant-specific operating facts and controls are described at /legal.

3. Eligibility and Account Registration

You must be at least 18 years old and capable of forming a legally binding contract to register or use the Service. Creditors and settlement-firm users must be a duly organized legal entity in good standing in the United States.

You agree to provide accurate, current, and complete information when registering and to keep that information current. You are responsible for safeguarding the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately at security@debt-digest.com if you suspect unauthorized access.

4. Creditor Obligations and Representations

If you access the Service as a creditor (or as the authorized agent of a creditor), you represent and warrant to Debt Digest, on a continuing basis, that:

  • You hold the legal right to the consumer obligations you place on the platform, or you act under a valid authorization from the party that does.
  • Each account you upload reflects an accurate principal balance, accurate consumer identity, and an accurate creditor-of-record name as it must appear in consumer-facing communications.
  • You have not received notice that the consumer is represented by counsel, has filed for bankruptcy protection, is deceased, is on active military duty entitled to SCRA protections, or has otherwise revoked authorization to communicate, except as you have flagged on the account record.
  • You will configure settlement terms, discount percentages, payment timelines, and outreach cadence in a manner consistent with the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. §1692 et seq.), Regulation F (12 CFR Part 1006), the Telephone Consumer Protection Act (TCPA, 47 U.S.C. §227), the Servicemembers Civil Relief Act (SCRA, 50 U.S.C. §3901 et seq.), and any other federal, state, or local law applicable to the underlying obligation.
  • You retain final responsibility for FDCPA, Reg F, UDAAP, and state-law compliance on the accounts you place. Debt Digest is a technology platform that supports compliance through code-level guardrails, audit logging, and configuration constraints, but the underlying regulatory obligation is yours as the creditor of record.
  • You will respond to consumer disputes routed to you by the platform within the time windows required by FDCPA §1692g and Reg F §1006.34, and you will not authorize the resumption of collection activity on a disputed account until the dispute has been resolved.
FDCPA §805(a)(2) NDR firewall

Counsel / NDR firewall is mandatory.

Debt Digest operates a representation-matching control. Representing firms supply its entries; the identity fields on the account (last name, date of birth, and the last four of the SSN) are what it matches against. Whether a specific consumer is represented within the meaning of FDCPA §805(a)(2), and what that means for your own obligations, is not a determination this control makes; your responsibility for it is stated above in this Section, and Section 2 records that the Service's software role does not by itself determine any participant's regulatory status. This control does not limit any obligation you have arising from notice you receive by any other means. An account missing any one of the three identity fields cannot be matched against the list. On the agency and firm lanes, an outbound send on an account missing any one of those three fields is blocked outright; it is not queued for later review. On the creditor lane, the same control still suppresses an outbound send on a confirmed match, but it does not fail closed on an incomplete identity: an account missing any one of those three fields sends unscreened rather than being withheld. This control governs outbound sends; it does not by itself determine what any screen displays, and some surfaces additionally withhold, drop, or mask a blocked account's details from view. Do not attempt to override the firewall.

5. Consumer Rights

If you access the Service as a consumer, the following rights apply to your account on the platform. The dispute hold, cease-communication request, and validation-notice paths described below run in code where this page says they do. Coverage still depends on the account, the identified participant, and the path described in each right.

  • Right to dispute (FDCPA §1692g; Reg F §1006.34, where applicable). You may dispute all or part of an account through the platform. A timely qualifying dispute triggers a verification-gated collection hold; the 30-day validation period is the consumer response window and does not automatically end the hold.
  • Right to validation (FDCPA §809). Whether the platform prepares an FDCPA §809(a) validation notice at placement depends on the intake path and the account phase; see /legal. Sending the notice is the act of the participant that sends it, not an automatic platform schedule.
  • Right to cease communication (FDCPA §1692c(c)). You may ask that contact stop by putting your request in writing to the collector or creditor contacting you, at the address on your statement or notice. Where your account is open in the consumer portal, you may also request it under Contact Preferences; that request is recorded and suppresses Debt Digest outbound email and text messages across your accounts at the time it is made, and the creditor of record is notified. The statute attaches no honor-by period. Its scope depends on the participant identified on your account.
  • No harassment (FDCPA §1692d; Reg F §1006.14). No repeated-contact patterns. No threats of legal action not intended to be taken. No contact at inconvenient times.
  • Right to correct your information. You may request correction of inaccurate personal information by contacting privacy@debt-digest.com. See the Privacy Policy for the full data-rights surface.

6. Payments

Live payment processing is not yet enabled: no production payment credential is configured, so no consumer payment is currently taken through the Service and the platform reports payment processing as simulated. The terms in this section govern payments once processing is enabled. When processing is enabled, Stripe Connect routes the consumer’s payment to the identified creditor or authorized payee. Debt Digest is not the payee. By submitting a payment you authorize the charge to your designated payment method for remittance to the creditor, and payments are applied to your account in accordance with the agreed settlement plan or payment arrangement. Payment confirmations are sent electronically.

For direct-payment workflows, in which the consumer pays the account owner outside the Service, the consumer’s payment goes directly to the identified account owner or authorized payee. Debt Digest neither receives nor routes that payment. Participating organizations pay Debt Digest only for platform subscriptions priced per active account or per seat. Debt Digest charges no per-resolution, outcome, contingency, or percentage-of-recovery fee.

Subscription rates, platform floors, and invoicing cadence are governed by a separately accepted subscription order form and applicable master services agreement. A pilot or evaluation acknowledgment does not start paid billing and does not convert automatically. Signed commercial terms control over any conflicting amount displayed on a marketing page.

7. Acceptable Use

You agree not to:

  • Use the Service in a manner that violates any federal, state, or local law, including the FDCPA, Reg F, TCPA, FCRA, GLBA, CFPB UDAAP, or any state debt-collection or servicing statute.
  • Upload, place, or process any account for which you do not hold lawful authority.
  • Attempt to bypass the counsel / NDR firewall, the Reg F dispute pause, the cease-communication enforcement, the SCRA scrub, or any other compliance guardrail.
  • Reverse-engineer, scrape, copy, or decompile any portion of the Service except as expressly permitted by law.
  • Use the Service to harass, intimidate, or threaten any consumer, or to send communications that misrepresent the identity, status, or legal posture of any party.
  • Introduce malware, attempt unauthorized access, or interfere with the security, integrity, or availability of the Service.

8. Intellectual Property

The Service, including all software, content, design, trademarks, and documentation (excluding consumer and creditor data), is owned by Debt Digest or its licensors and is protected by United States and international intellectual-property laws. Debt Digest grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Service in accordance with these Terms and any applicable pilot or master services agreement.

9. Data and Privacy

Your use of the Service is governed by our Privacy Policy. Creditors and settlement firms processing personal information through the Service should also review our Data Processing Agreement, which describes Debt Digest’s role as a service provider and the safeguards we apply to nonpublic personal information (NPI) under the Gramm-Leach-Bliley Act (GLBA).

10. Service Availability

Debt Digest uses commercially reasonable efforts to maintain availability of the Service. Any specific uptime commitment is governed by the applicable pilot or master services agreement between the parties; the service levels page publishes the current targets and is not itself a contractual commitment. Scheduled maintenance, third-party outages, and force majeure events may affect availability and are not a breach of these Terms.

11. Accuracy of Information

Reasonable efforts are made to ensure account information is accurate. Creditors are responsible for the accuracy of data they upload. Consumers who believe any information is incorrect have the right to dispute as described above.

12. Disclaimers

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS OR IN A SIGNED MASTER SERVICES AGREEMENT, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND DEBT DIGEST DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. DEBT DIGEST DOES NOT GUARANTEE ANY SPECIFIC CURE RATE, RECOVERY RATE, ENROLLMENT OUTCOME, OR SETTLEMENT RESULT. DEBT DIGEST IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE. REGULATORY CLASSIFICATION DEPENDS ON THE FACTS OF EACH PARTICIPANT’S ROLE AND CONDUCT.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DEBT DIGEST AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF DEBT DIGEST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. DEBT DIGEST’S AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED THE GREATER OF (A) FEES PAID OR PAYABLE BY YOU TO DEBT DIGEST UNDER THE APPLICABLE PILOT OR MASTER SERVICES AGREEMENT IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE THOUSAND U.S. DOLLARS ($1,000).

14. Indemnification

If you access the Service as a creditor, settlement firm, or other entity user, you agree to defend, indemnify, and hold harmless Debt Digest and its affiliates from any third-party claim, demand, regulatory action, or proceeding arising out of (a) your breach of these Terms, (b) your breach of any representation or warranty in Section 4, (c) any account you placed on the platform that you did not have lawful authority to place, or (d) any FDCPA, Reg F, TCPA, FCRA, GLBA, UDAAP, or state-law violation attributable to your configuration, your communications outside the platform, or your underlying conduct as the creditor of record. This Section 14 does not apply to consumer users.

15. Term and Termination

These Terms remain in effect while you use the Service. Debt Digest may suspend or terminate access to the Service at any time for breach of these Terms, for legal or regulatory reasons, or for security reasons. Sections that by their nature should survive termination (including Sections 8, 9, 12, 13, 14, 17, and 18) will survive.

16. Changes to these Terms

Debt Digest may update these Terms from time to time. Material changes will be noted at the top of this page with an updated effective date. Continued use of the Service after a change constitutes acceptance of the updated Terms. Material changes to commercial terms with a creditor or settlement-firm customer are governed by the change-control mechanism in the applicable pilot or master services agreement, not by an update to this page.

v1.32026-09-13: Section 5 no longer claims consumer rights are enforced at the code-path level as a set. Dispute hold, cease-communication, and validation-notice paths stay as described in each right.
v1.22026-09-11: Corrected the representation-firewall description under Section 4: the control matches identity fields against a list representing firms supply (not a list creditors, agencies, or firms configure), the creditor lane does not fail closed on an incomplete identity, and responsibility for the S805(a)(2) determination is stated in Section 4, not Section 2.
v1.12026-09-11: Clarified that, when payment processing is enabled, Stripe Connect routes the consumer’s payment to the identified creditor. Debt Digest is not the payee. Direct-payment workflows, in which the consumer pays the account owner outside the Service, remain the active routing while processing is not enabled.
v1.02026-05-19: Initial publication.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, and by applicable federal law, including the FDCPA (15 U.S.C. §1692 et seq.) and Regulation F (12 CFR Part 1006). Any dispute arising out of or related to these Terms or the Service will be brought exclusively in the state or federal courts located in the State of Delaware, and you consent to the personal jurisdiction of those courts. Nothing in this Section limits a consumer’s statutory right to bring a claim in the consumer’s state of residence to the extent that right cannot be waived by contract under applicable law.

18. Miscellaneous

These Terms, together with the Privacy Policy, the DPA (if applicable), and any countersigned pilot or master services agreement, are the entire agreement between you and Debt Digest regarding the Service and supersede any prior agreement on the same subject matter. If any provision is held unenforceable, the remaining provisions will remain in effect. Failure to enforce any provision is not a waiver. You may not assign these Terms without Debt Digest’s prior written consent. Debt Digest may assign these Terms in connection with a merger, acquisition, or sale of substantially all of its assets.

19. Contact

Questions about these Terms should be directed to legal@debt-digest.com. Legal redline requests and counsel correspondence should be directed to legal@debt-digest.com. Security reports should be directed to security@debt-digest.com.