Terms of Use

Effective date: [EFFECTIVE_DATE]

By using knowyourdebtrights.com (the "Site"), operated by LGJ Enterprises LLC, you agree to these terms.

1. Educational use only

The Site's guides, videos, tools, sample letters, and products are educational and based on publicly available law. They aren't legal advice, and using the Site doesn't create an attorney-client relationship. See our Disclaimer.

2. No guarantee of results

We don't guarantee any outcome from using our content, letters, or tools, including any change to a credit report, credit score, debt, or lawsuit.

3. Your responsibility

You're responsible for decisions you make and letters you send. Laws differ by state and change over time. Consider consulting a qualified attorney about your situation.

4. Sample letters and templates

You may copy and adapt the free sample letters on the Site for your own personal use. Templates purchased in the Letter Library are licensed for your personal, non-commercial use and may not be resold, redistributed, or used to provide services to others.

5. Intellectual property

Except for sample letters as described above and public-domain legal texts, the Site's content, design, and branding are owned by LGJ Enterprises LLC and protected by law. You may share links freely.

6. Purchases

Purchases are processed by Gumroad and subject to its terms. Refunds: [REFUND_POLICY].

7. Third-party links

We link to other websites for convenience. We aren't responsible for their content or practices.

8. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, to the fullest extent permitted by law.

9. Limitation of liability

To the fullest extent permitted by law, LGJ Enterprises LLC isn't liable for indirect, incidental, special, or consequential damages arising from your use of the Site. [Owner and attorney to confirm any liability cap.]

10. Governing law

These terms are governed by the laws of [STATE_OF_ORGANIZATION], without regard to conflict-of-law rules.

11. Changes

We may update these terms. Continued use of the Site after changes means you accept them.

12. Contact

LGJ Enterprises LLC · [BUSINESS_ADDRESS] · [CONTACT_EMAIL]