Terms and Conditions

By accessing and using the Billion Dollar Challenge website and services ("Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Services. These terms apply to all visitors, users, and others who access or use the Services.

To use our Services, you must be at least 18 years of age or the age of majority in your jurisdiction. By using our Services, you represent and warrant that you meet these eligibility requirements. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding your account credentials and for any activities or actions under your account. You agree to notify us immediately of any unauthorized access to or use of your account. We reserve the right to disable any account at any time if we believe you have violated these Terms.

The Billion Dollar Challenge provides tools and resources to help individuals track and manage their debt repayment journey. Our Services include debt calculators, progress tracking dashboards, educational resources, and community features. The DFREE® Global Foundation reserves the right to modify, suspend, or discontinue any aspect of the Services at any time without prior notice.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy. We implement reasonable security measures to protect your personal information, but we cannot guarantee absolute security.

You agree not to use the Services to: (a) violate any applicable laws or regulations; (b) infringe upon the rights of others; (c) transmit any harmful, threatening, or offensive content; (d) attempt to gain unauthorized access to our systems; (e) interfere with or disrupt the Services; (f) impersonate any person or entity; or (g) collect or harvest any information from other users without their consent.

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of the DFREE® Global Foundation or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE ARE NOT RESPONSIBLE FOR ANY FINANCIAL DECISIONS YOU MAKE BASED ON INFORMATION PROVIDED THROUGH OUR SERVICES. ALWAYS CONSULT WITH A QUALIFIED FINANCIAL ADVISOR BEFORE MAKING FINANCIAL DECISIONS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE DFREE® GLOBAL FOUNDATION AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE PAST TWELVE MONTHS.

You agree to indemnify, defend, and hold harmless the DFREE® Global Foundation and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of another.

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in New Jersey, and you consent to the personal jurisdiction of such courts.

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Services after such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

If you have any questions about these Terms and Conditions, please contact us at: DFREE Global Foundation Email: info@dfreefoundation.org Phone: (973) 639-8700 You may also reach us through our Contact page on this website.