Terms of Use
These Terms of Use ("Terms") are a binding agreement between you and Detta Systems, Inc. ("Detta", "we", "us", or "our") governing your use of the Detta pre-launch website at detta.us and the waitlist (together, the "Site"). By accessing the Site or joining the waitlist, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.
1. Eligibility and acceptance
You must be at least 18 years old, located in the United States, and able to form a binding contract to use the Site. You may not use the Site if you are barred from doing so under applicable law (including U.S. sanctions or export-control laws). By using the Site you represent that you meet these requirements and that the information you provide is accurate.
2. What Detta is and is not
Detta provides (or will provide) self-help software: tools, letter templates, phone scripts, calculators, and educational guidance that help consumers work to resolve their own unsecured debts by contacting creditors directly.
Detta is not, and does not act as, a debt-settlement company, a debt-relief or debt-adjustment service, a credit-counseling agency, a law firm, or a financial advisor. Detta does not negotiate with creditors on your behalf, and Detta never holds, escrows, or manages your money. When you use Detta, you are representing yourself and you remain solely responsible for your own decisions, communications, and payments.
3. Pre-launch and waitlist status
The Detta product is not yet available. The Site currently allows you only to join a waitlist. Joining the waitlist does not entitle you to the product, on any particular timeline, on any particular terms, at any particular price, or at all, and creates no obligation for us to provide any service. Any features, pricing, or availability described on the Site are preliminary and subject to change. When the product launches, it will be governed by its own separate terms, which you will need to accept at that time.
4. Communications and consent
By joining the waitlist, you agree that we may send you emails about your waitlist status, early access, launch, and related updates. You can opt out at any time using the unsubscribe link in any email or by contacting support@detta.us. We will handle your information as described in our Privacy Policy.
5. No legal, financial, or tax advice; no professional relationship
Detta is self-help software. Nothing provided through Detta or the Site is legal, financial, or tax advice, and no attorney-client, fiduciary, or other professional relationship is created between you and Detta. We do not review your information for legal sufficiency, draw legal conclusions, or apply the law to your particular situation. For advice about your specific circumstances, consult a licensed attorney or financial professional in your state.
6. No guaranteed outcomes
Any results from using Detta depend on your individual circumstances, the creditors involved, and the actions you take. We do not guarantee any specific reduction, settlement, savings, credit-score change, or other outcome, and we are not responsible or liable for the results of decisions you make.
7. Acceptable use
You agree not to: provide false or misleading information; use the Site for any unlawful, fraudulent, or unauthorized purpose; interfere with, disrupt, or attempt to gain unauthorized access to the Site or its systems; scrape, data-mine, or harvest information except as expressly permitted; reverse engineer or copy the Site; or use the Site in any way that could harm Detta or any other person or expose us to liability.
8. Intellectual property
The Site and its content, including the "Detta" name and logo, text, graphics, design, and software, are owned by Detta Systems, Inc. or its licensors and are protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site for your own personal, non-commercial use. All rights not expressly granted are reserved. You may not copy, modify, distribute, sell, or create derivative works from the Site without our prior written permission.
If you send us feedback, ideas, or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction or obligation to you.
9. Third-party services and links
The Site may rely on or link to third-party services (for example, our form and analytics providers) and third-party websites we do not control. We are not responsible for the content, products, services, or practices of any third party, and your dealings with them are at your own risk and subject to their terms.
10. Disclaimers
THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY INFORMATION ON IT IS ACCURATE OR COMPLETE.
Nothing on this Site constitutes an offer to sell, or a solicitation of an offer to buy, any security, and nothing on this Site is an offer of securities.
11. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, DETTA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNTS YOU PAID US, IF ANY, IN THE TWELVE MONTHS BEFORE THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
12. Indemnification
You agree to indemnify, defend, and hold harmless Detta and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.
13. Dispute resolution; binding arbitration; class-action waiver
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND DETTA TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, EXCEPT AS DESCRIBED BELOW. YOU MAY OPT OUT WITHIN 30 DAYS.
Informal resolution first. Before starting an arbitration, you agree to contact us at support@detta.us with a short written description of the dispute and your contact information, and to give us 30 days to try to resolve it.
Agreement to arbitrate. If we cannot resolve a dispute informally, you and Detta agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as stated below. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement.
Where and how. Unless the parties agree otherwise, the arbitration will be conducted by videoconference or, if an in-person hearing is required, in the county where you reside or another mutually agreed location. The arbitrator's award is final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class-action waiver. You and Detta agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any class or representative proceeding.
Exceptions. Either party may (a) bring a qualifying individual claim in small-claims court, and (b) seek injunctive or other equitable relief in court to protect its intellectual property or confidential information. These matters are not subject to the arbitration requirement.
30-day right to opt out. You may opt out of this arbitration agreement and class-action waiver by emailing support@detta.us within 30 days after you first accept these Terms (for example, when you first join the waitlist), stating your name and that you opt out of arbitration. Opting out will not affect any other part of these Terms.
Severability. If the class-action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and decided by a court of competent jurisdiction under Section 14, while the remaining claims proceed in arbitration. If any other part of this Section is found unenforceable, the rest of this Section remains in effect.
14. Governing law and venue
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules, and the U.N. Convention on Contracts for the International Sale of Goods does not apply. For any matter not subject to arbitration under Section 13, including small-claims actions, requests for injunctive or equitable relief, and proceedings to enforce an arbitration award, the state and federal courts located in Florida will have exclusive jurisdiction and venue, and you consent to their jurisdiction.
15. Changes to these Terms
We may update these Terms from time to time. We will post the updated version here and revise the effective date above. Material changes will be identified as required by law. Your continued use of the Site after changes take effect means you accept the updated Terms.
16. Termination
We may suspend or terminate your access to the Site, or remove you from the waitlist, at any time and for any reason, including if you violate these Terms. Sections that by their nature should survive termination, including intellectual-property, disclaimer, limitation-of-liability, indemnification, and dispute-resolution provisions, will survive.
17. Electronic communications
By using the Site, you consent to receive communications from us electronically, and you agree that electronic communications, agreements, and notices satisfy any legal requirement that such communications be in writing, consistent with the federal E-SIGN Act and similar state laws.
18. Miscellaneous
These Terms, together with the Privacy Policy, are the entire agreement between you and Detta regarding the Site and supersede any prior agreements. If any provision is held unenforceable, the remaining provisions will remain in effect. We may assign these Terms; you may not assign them without our consent. Our failure to enforce any provision is not a waiver. We are not liable for any delay or failure caused by events beyond our reasonable control. Section headings are for convenience only.
19. Contact
Questions about these Terms: support@detta.us,.