Terms of Service and Conditions

Introduction and Acceptance of Terms

Welcome to lowerpaymentplans.com (the "Website"). These Terms of Service ("Terms") govern your access to and use of the Website ("we," "us," or "our"). By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any other applicable terms and conditions.

Please read these Terms carefully. If you disagree with these Terms, you should not access or use the Website.

Eligibility

By using the Website, you affirm that you are at least 18 years of age and possess the legal capacity to enter into this agreement. If you are accessing the Website on behalf of an organization, you confirm that you are authorized to bind that organization to these Terms.

Changes to the Terms

We reserve the right to modify or replace these Terms at our sole discretion at any time. Material changes will be notified by updating the Terms on the Website. Your continued use of the Website after such changes signifies your acceptance of the revised Terms.

Access and Use of the Website

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes only. Any other use of the Website is strictly prohibited.

Intellectual Property Rights

All content, designs, graphics, and other materials on the Website are protected under copyright, trademark, and other intellectual property laws. You are prohibited from copying, reproducing, distributing, or creating derivative works from any part of the Website without our express written consent.

User Content

You are solely responsible for any content you submit, post, or make available on the Website ("User Content"). By submitting User Content, you grant us a global, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works from, and display the User Content in connection with the Website and our business.

Consent to Access Credit Reports

You acknowledge and provide express written consent for LowerPaymentPlans.com, a DBA of Benchmark Media LLC, and its partners to retrieve your credit report from one of three credit bureaus, to evaluate for eligibility for personal loans and debt consolidation options without affecting your credit score. You understand and agree that by submitting your request, you are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders, and other financial services with whom your request is shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to provide you with quotes and verify your identity. These financial partners may obtain your credit report, credit score, and other information to make a final decision before extending a loan to you. Additionally, you understand and agree that providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history.

Furthermore, you provide express written consent to allow Beyond Finance, ClearOne Advantage, MoneyLion, StopGoNetwork, Lending Tree and LendingTree's Network of Partner, Rescue One Financial, Lighthouse Finance Solutions, JG Wentworth, Consolidated Credit Solutions, Inc, Pacific Debt Inc., Americor, Credit9, Pacific Debt Relief, Century Support Services, Alleviate Financial Solutions, New Path, Debt Relief Advocates, and Freedom Debt Relief to access your credit report. You agree that these entities have a permissible purpose to request a consumer report on you. Based on this consent, requesting and obtaining a consumer report is in accordance with the written instructions of the consumer to whom it relates.

TCPA Consent & Electronic Communications

By submitting your information on LowerPaymentPlans.com, you expressly consent to receive marketing and servicing calls, SMS messages, and emails from LowerPaymentPlans.com and the third-party partner you are connected with, which may include Alleviate Financial Solutions, Americor, AmOne, Operated by Quinstreet PL, Inc., Beyond Finance, Century Support Services, ClearOne Advantage, Consolidated Credit Solutions, Inc., Credible, Debt.com, Freedom Debt Relief, JG Wentworth, Lighthouse Finance Solutions LLC, Nationwide Loans, New Path Law Firm, Pacific Debt Relief, Rescue One Financial, and Stop Go Networks Ltd.. These communications may be sent using an automatic telephone dialing system, prerecorded messages, or artificial voice messages. Your consent is not required as a condition of using our services.

You will only receive calls and SMS messages from the specific partner you are connected with based on your financial profile and inquiry.

You can opt out of these communications at any time by replying "STOP" to SMS messages or contacting us directly at support@benchmarkmedia.io. Standard message and data rates may apply.

Prohibited Conduct

You agree to refrain from unlawful, harassing, defamatory, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable conduct while using the Website. You also agree not to upload or transmit any material containing harmful code designed to disrupt the Website or any computer software or hardware.

Third-Party Links

The Website may include links to third-party sites or resources. We are not responsible for the content, products, or services on these sites. You acknowledge that we are not liable for any harm caused by your use of or reliance on any such content, goods, or services available through these third-party sites.

Disclaimer of Warranties

The Website is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted, error-free, or completely secure access to the Website.

Limitation of Liability

We, our affiliates, directors, officers, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, related to your use of the Website, regardless of prior advisement. Our total liability for all claims related to these Terms or your use of the Website shall not exceed $100 or the amount you have paid us in the past twelve months.

Indemnification

You agree to defend, indemnify, and hold us, our affiliates, and our respective directors, officers, employees, and agents harmless from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) related to your use of the Website, your violation of these Terms, or any applicable laws or regulations.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States and the State of our incorporation, without regard to conflict of law provisions. You agree to the exclusive jurisdiction of the courts in that State for any disputes related to these Terms or your use of the Website.

Severability

If any provision of these Terms is found unenforceable or invalid by a competent court, that provision will be limited or eliminated to the minimum extent necessary, and these Terms will otherwise remain in full force and effect.

Entire Agreement

These Terms, our Privacy Policy, and any other legal notices published by us on the Website constitute the entire agreement between you and us regarding the Website and supersede all prior communications, agreements, and understandings.

Contact Information

For questions, concerns, or comments about these Terms or the Website, please get in touch with us at: support@benchmarkmedia.io