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Terms of Service

Effective Date: July 09, 2026

Last Updated: July 09, 2026

Welcome to Aequitas Debt Advisory (“Aequitas,” “Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, case review forms, communications, consultation scheduling, and related services offered through aequitasdebtadvisory.com and any associated pages, forms, or digital platforms collectively referred to as the “Site.”

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By accessing the Site, submitting information, scheduling a consultation, or engaging with our services, you agree to these Terms. If you do not agree, you should not use the Site or submit information through it.

1. Services Provided

Aequitas Debt Advisory provides documentation-based debt advisory, case review, administrative support, and process coordination services for individuals seeking structured assistance related to qualifying debt obligations. Our services may include, without limitation:

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  • Student loan debt review, documentation support, and resolution-related process assistance;

  • Tax debt review, documentation support, and resolution-related process assistance;

  • Case intake and eligibility screening;

  • Preparation, organization, and submission support for documentation packages;

  • Communication guidance and process tracking;

  • Administrative support related to debt resolution workflows.

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The specific services provided to a client will be described in a separate written agreement, engagement document, or service agreement. Submitting information through the Site does not create a client relationship and does not guarantee acceptance into any program or service.

2. No Guarantee of Outcome

Every case is different. Aequitas does not guarantee that any loan, tax debt, account balance, collection matter, or other obligation will be discharged, forgiven, canceled, settled, removed, reduced, marked paid, or otherwise resolved.

Any examples, case outcomes, dollar amounts, timelines, testimonials, or prior results shown on the Site are provided for informational purposes only. They do not promise, predict, or guarantee the same or similar outcome for any other person.

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Past results are not a guarantee of future performance.

3. No Legal, Tax, Accounting, or Financial Advice

Aequitas is not a law firm and does not provide legal advice. Unless expressly stated in a separate written agreement signed by an appropriately licensed professional, Aequitas does not provide tax advice, accounting advice, financial planning advice, credit repair services, or legal representation.

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Information on the Site is for general informational purposes only and should not be relied upon as legal, tax, accounting, financial, or professional advice.

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You are encouraged to consult with a licensed attorney, certified public accountant, enrolled agent, tax professional, financial advisor, or other qualified professional regarding your individual circumstances.

4. Tax Debt Matters

For tax-related matters, Aequitas may provide administrative support, document preparation support, case organization, communication support, and process guidance. Aequitas does not represent that it is the Internal Revenue Service, a state tax authority, or any government agency.

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Unless separately agreed in writing and handled by a duly authorized representative, Aequitas does not represent clients before the IRS or any state tax authority. You remain responsible for reviewing, approving, signing, filing, and complying with any tax-related forms, notices, submissions, deadlines, payments, filings, or communications.

5. Student Loan Matters

For student loan-related matters, Aequitas may provide documentation-based process support, case review, administrative support, and debt resolution-related assistance. Aequitas is not affiliated with the U.S. Department of Education, Federal Student Aid, any loan servicer, lender, guarantor, or government agency unless expressly stated.

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You remain responsible for reviewing your loan documents, payment obligations, servicer communications, and any required forms or submissions.

6. Eligibility and Case Acceptance

Submitting a case review form does not mean your case has been accepted. Aequitas may review submitted information to determine whether your matter appears suitable for further evaluation.

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We reserve the right to decline any case for any reason, including but not limited to insufficient documentation, incomplete information, ineligibility, capacity limitations, regulatory concerns, conflict concerns, or internal case assessment.

7. User Responsibilities

By using the Site or submitting information to Aequitas, you agree that:

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  • The information you provide is accurate, complete, and current to the best of your knowledge;

  • You will not submit false, misleading, fraudulent, or incomplete information;

  • You are authorized to submit any documents or information you provide;

  • You will promptly notify us of material changes to your circumstances;

  • You will review all documents carefully before signing or submitting them;

  • You remain responsible for all financial obligations, tax obligations, loan obligations, deadlines, and communications unless and until they are formally resolved by the appropriate party.

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Aequitas is not responsible for delays, denials, penalties, interest, fees, collection activity, credit reporting consequences, tax consequences, or other outcomes caused by inaccurate information, missing documentation, delayed responses, third-party actions, or matters outside our control.

8. Payments and Fees

Fees, payment terms, refund terms, and any performance-based or contingent components, if applicable, will be set forth in a separate written agreement.

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Unless otherwise stated in a signed agreement, submitting a form, scheduling a consultation, or using the Site does not require payment.

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All payments are subject to the terms of the applicable service agreement, invoice, payment processor, or written arrangement between you and Aequitas.

9. Third-Party Platforms and Services

The Site may use third-party tools or platforms for forms, scheduling, analytics, payment processing, hosting, communications, customer relationship management, or other operational needs.

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Aequitas is not responsible for the acts, omissions, availability, privacy practices, or terms of third-party services. Your use of third-party services may be subject to their own terms and privacy policies.

10. Communications Consent

By submitting your information through the Site, you consent to being contacted by Aequitas by email, phone, text message, or other contact method you provide, including for case review, scheduling, follow-up, service updates, document requests, or related business purposes.

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You may opt out of non-essential marketing communications at any time. However, opting out may not prevent us from sending transactional or service-related communications.

11. Website Content

All content on the Site, including text, graphics, logos, branding, layouts, forms, images, documents, and other materials, is owned by or licensed to Aequitas and is protected by applicable intellectual property laws.

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You may not copy, reproduce, distribute, modify, sell, or exploit Site content without prior written permission from Aequitas.

12. Prohibited Uses

You agree not to:

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  • Use the Site for unlawful, fraudulent, deceptive, or abusive purposes;

  • Interfere with or disrupt the Site or its systems;

  • Attempt to gain unauthorized access to any system, account, or data;

  • Submit malware, spam, or harmful code;

  • Misrepresent your identity or authority;

  • Copy, scrape, harvest, or misuse Site content or user information;

  • Use the Site in a way that violates any applicable law or regulation.

13. Disclaimer of Warranties

The Site and all information provided through it are offered on an “as is” and “as available” basis. Aequitas makes no warranties, express or implied, regarding the Site, services, content, availability, accuracy, completeness, suitability, or results.

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To the fullest extent permitted by law, Aequitas disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

14. Limitation of Liability

To the fullest extent permitted by law, Aequitas and its owners, officers, employees, contractors, affiliates, agents, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, lost opportunities, reputational harm, credit impact, tax penalties, interest, collection activity, or loss of data.

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Aequitas’ total liability for any claim arising out of or related to the Site or services will not exceed the amount you paid to Aequitas for the specific service giving rise to the claim, or one hundred dollars ($100), whichever is greater, unless applicable law requires otherwise.

15. Indemnification

You agree to indemnify, defend, and hold harmless Aequitas and its owners, officers, employees, contractors, affiliates, agents, and service providers from and against any claims, damages, liabilities, losses, costs, or expenses arising from:

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  • Your use of the Site;

  • Your violation of these Terms;

  • Your submission of inaccurate, incomplete, unauthorized, or misleading information;

  • Your violation of applicable law;

  • Your misuse of any documents, information, or services provided by Aequitas.

16. No Government Affiliation

Aequitas is a private company. Aequitas is not affiliated with, endorsed by, sponsored by, or acting on behalf of the U.S. Department of Education, Federal Student Aid, the Internal Revenue Service, any state tax authority, any loan servicer, lender, guarantor, government agency, or court.

17. Availability and Changes to the Site

We may update, modify, suspend, or discontinue any portion of the Site at any time without notice. We are not liable for any interruption, delay, error, or unavailability of the Site.

18. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after changes are posted means you accept the updated Terms.

19. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms, the Site, or Aequitas’ services will be handled in the state or federal courts located in Arizona, unless otherwise required by applicable law or agreed in writing.

20. Contact Us

For questions about these Terms, please contact:

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Aequitas Debt Advisory

A subsidiary of Opulent Intelligence LLC
Email: contact@aequitasdebtadvisory.com
Mailing Address: 8465 E Angel Spirit Dr. Scottsdale, AZ 85255

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