This page covers how you can use the Clear Debt Genius website, and what applies once you ask us to connect you with your own personal loan lender. Browsing this site or submitting a request means these terms apply to you — worth a few minutes to read before you do.
Welcome to Clear Debt Genius. However you're using this site — reading through the pages, comparing your options, or asking us to put you in touch with your own personal loan lender — using it at all means these terms apply to you.
One thing up front: if any of this doesn't sit right with you, stop here and hold off on submitting your information.
This site exists for one purpose: helping you reach your own personal loan lender directly. Clear Debt Genius grants you a limited, non-exclusive, non-transferable right to browse and use the site toward that end. A few things aren't allowed:
Breaking any of these gives us grounds to suspend or end your access, without notice, at our discretion.
Clear Debt Genius is a marketing website — not a debt settlement company, law firm, credit counseling agency, or lender. We don't negotiate with your lender on your behalf, and we have no influence over what your lender ultimately offers. What we do is put you in direct contact with your own personal loan lender's resolution or hardship team, with no independent specialist and no middleman standing in that conversation.
Submitting a request through this site doesn't change your loan in any way, and it doesn't obligate your lender to offer you anything. Every decision from there — whether to work with you, what to propose, how to structure it — belongs entirely to your lender, under their own review process and the laws that govern them.
We connect; we don't decide. Your request may be shared with lenders in our network, and we may be compensated by those lenders for the connection — but using Clear Debt Genius never costs you anything.
Nothing on this site — the articles, the tools, the guides — is written to advise you; it's written to inform you. None of it amounts to financial, legal, tax, or credit counseling advice. Before making any real decision about your loan or your finances, talk with a qualified professional who knows your full situation.
We work to keep this content accurate and current, but Clear Debt Genius makes no warranty, express or implied, about its accuracy, completeness, or fitness for any particular purpose. Whatever you choose to act on here, you act on at your own risk.
Any figures, timelines, or example scenarios on this site are illustrations, not promises — they don't reflect what your specific lender will offer, or what you'll actually see change. Whatever your lender proposes, if anything, depends on their own review of your account, your balance, and your circumstances at the time you connect.
This site links to, and works with, personal loan lenders, service providers, and other outside websites. Clear Debt Genius isn't responsible for the accuracy, practices, security, or content of any of them. Whatever arrangement you reach with your lender is strictly between the two of you.
Before moving forward with any lender, take a few minutes to read their own terms, fees, and privacy policy.
To the fullest extent the law allows, Clear Debt Genius and our officers, directors, employees, agents, and successors won't be liable for indirect, incidental, punitive, special, or consequential damages — including lost revenue or data — arising from:
These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Any dispute arising from or related to these terms falls under the exclusive jurisdiction of the courts of Dallas County, Texas.
We may update these terms from time to time. Continuing to use the site after a change means you've accepted the updated version — the current terms are always posted right here.
Questions about any of this, or anything else? Here's how to reach us:
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Clear Debt Genius is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Clear Debt Genius and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.