Terms of Service

Acceptance of Terms

By accessing or using KillDebt.com, KillDebt.ai, ParkerGPT, or any related websites, apps, memberships, or materials (collectively, the "Services"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Services.

CollectionStopperMembership, LLC (doing business as KillDebt.com and KillDebt.ai) ("Company," "we," "our," or "us") may modify these Terms at any time by posting updates. Continued use of the Services after updates constitutes acceptance of the revised Terms.

KillDebt for Enterprise

KillDebt for Enterprise, our seat-based offering for law firms and other organizations, including the MCP research connector, is governed by the Enterprise Terms and the Data Processing Agreement, not by these Terms. If you use the Services through an Enterprise seat, the Enterprise Terms control your organization’s relationship with us; these Terms apply to you only where the Enterprise Terms say so.

Nature of Services and Legal Disclaimer (No Attorney-Client Relationship)

Our Services are educational and informational only. Nothing in our videos, templates, forms, AI outputs (including ParkerGPT), courses, or communications constitutes legal advice. Your use of KillDebt or ParkerGPT does not create an attorney-client relationship.

Although Brian Parker is a licensed attorney in Florida and Michigan, KillDebt and ParkerGPT are not law firms or attorney services. References to legal experience are for educational insight only.

Use your own state- and court-specific laws, rules, and procedures when preparing filings or legal responses.

Eligibility and Access

Users must be at least 13 years old to access the Services and at least 18 to register, purchase, or upload content. You are responsible for compliance with all laws in your jurisdiction.

Account Registration and Security

You are responsible for:

• providing accurate and current account information;
• maintaining the confidentiality of your login credentials; and
• all activity occurring under your account.

Notify us immediately at support@killdebt.com of any unauthorized use.

License; Personal Use and Anti-Redistribution

All documents, videos, templates, forms, strategies, and other materials ("Materials") are licensed to you for personal, non-commercial use in your own debt- or credit-related matters.

You may not:

• share, sell, resell, sublicense, or publicly distribute any Materials;
• upload them to other websites or AI tools;
• use them to create competing products or services.

We may monitor download activity to prevent misuse. If your activity exceeds ordinary personal use ("Excessive Download Activity"), we may require written assurance of compliance or suspend access without refund.

Acceptable Use

Use the Services only for lawful purposes related to your membership. You agree not to:

• use the Services in a way that infringes, misappropriates, or violates any person’s rights or any applicable law;
• attempt to hack, probe, or compromise the security or integrity of the Services;
• scrape, harvest, or use automated means to extract data or output from the Services;
• use automation or AI abuse to distort usage data or circumvent usage limits;
• reverse engineer the Services or attempt to derive their source code or underlying models;
• use the Services to build a competing product or service; or
• submit payment card numbers or personally identifiable genetic or biometric data into ParkerGPT or upload features.

Violations may result in suspension or termination.

Community Guidelines: Be respectful in discussions. Harassment, spam, hate speech, and solicitation are prohibited and may result in removal. Participation in the Community does not create an attorney-client relationship with Brian Parker or anyone affiliated with KillDebt. Any responses provided by Brian Parker within the Community are not legal advice, are not a substitute for hiring an attorney, should not be relied upon as legal representation, should not be presented in court as attorney advice or guidance, and do not establish an attorney-client relationship under any circumstances. Every case is different, and legal outcomes depend on the specific facts, evidence, court rules, and laws applicable to your jurisdiction.

Payment, Subscriptions and Refunds

Billing

Charges occur immediately upon purchase or renewal.

Renewals

Memberships renew automatically unless canceled before the renewal date.

Cancellation

You may cancel anytime through your account settings. Access remains active until the end of the billing period, except as provided under Payment Dispute Resolution below.

Refunds

Due to the immediate access granted to digital materials, all sales are final and non-refundable, except where required by law or explicitly stated in a promotion.

Pricing Changes

We may update prices with prior notice.

Membership, Billing and Auto-Renewal

Access to KillDebt.com and its related tools, including ParkerGPT, is provided on a subscription membership basis, not as a one-time purchase. When you purchase a plan, you are enrolling in a recurring membership that will automatically renew at the end of each billing cycle (monthly, quarterly, annual, or other interval) based on the plan you selected at checkout.

Your payment method on file will be charged automatically at each renewal unless you cancel your membership prior to the renewal date. Renewal charges will be at the then-current rate for your selected plan unless otherwise disclosed.

You may cancel your membership at any time through your account dashboard. Cancellation stops future renewals but does not provide a refund for the current billing period, and access will continue until the end of that period.

By completing your purchase, you expressly authorize CollectionStopperMembership, LLC to charge your selected payment method on a recurring basis in accordance with your chosen plan.

Billing Timing and Time Zone Disclosure

Our payment processor may process recurring charges based on Coordinated Universal Time (UTC) rather than your local time zone. As a result, a renewal charge may appear on your bank or card statement up to one calendar day earlier or later than the renewal date displayed in your account dashboard, depending on your local time zone and your bank’s processing practices. This is a normal function of how payment processing systems handle time zone conversion and does not constitute a billing error. CollectionStopperMembership, LLC is not liable for any discrepancy, inconvenience, overdraft, or fee resulting from this time zone conversion. If you have questions about a specific charge date, contact us at support@killdebt.com before initiating a dispute with your bank or card issuer.

Payment Dispute Resolution

We suggest you contact us first to resolve any billing or account related issues, by emailing support@killdebt.com or opening a support ticket in your portal. If you file a payment dispute or reversal with your bank or card issuer for any charge related to your membership, we reserve the right to suspend access pending resolution of the dispute. Suspension under this section is separate from and in addition to any other rights we have under these Terms, including our right to terminate your account. If the chargeback is resolved in our favor, we may, at our discretion, reinstate access, require the disputed amount to be repaid before restoring access, or terminate the account permanently. Filing a dispute does not cancel your membership or relieve you of any outstanding payment obligations under these Terms.

AI and ParkerGPT: Document Verification and Court Filings

Documents, pleadings, motions, letters, discovery responses, affidavits, and other materials generated by ParkerGPT are drafts created through artificial intelligence and may contain inaccuracies, omissions, formatting errors, incorrect legal analysis, outdated authorities, or citations to statutes, rules, regulations, or cases that do not exist or do not support the propositions for which they are cited.

You are solely responsible for independently reviewing and verifying all content generated by ParkerGPT before signing, filing, serving, submitting, or otherwise relying upon any document. Without limitation, you agree to verify:

• the accuracy of all facts, dates, names, and case information;
• that every cited case, statute, rule, regulation, or other authority actually exists;
• that any cited authority accurately states the proposition for which it is referenced; and
• that the document complies with all applicable court rules, local rules, procedural requirements, and filing requirements in your jurisdiction.

You acknowledge that courts expect parties to verify the accuracy of materials submitted to the court and that neither CollectionStopperMembership, LLC, KillDebt, KillDebt.ai, ParkerGPT, nor Brian Parker assumes any responsibility for documents filed, served, or relied upon without independent verification by the user.

By using ParkerGPT, you expressly accept full responsibility for any document, filing, submission, or legal action based in whole or in part on AI-generated content. While ParkerGPT is trained by attorney Brian Parker and designed for educational accuracy, AI outputs may contain errors, omissions, inaccurate legal analysis, or nonexistent citations. Users must independently verify all content before relying upon it, and assume full responsibility for any use of AI-generated information.

No Guarantee of Outcomes

KillDebt and ParkerGPT provide tools and educational strategies that have helped many users successfully navigate debt and collection issues. However, results are not guaranteed. Outcomes depend on your individual facts, jurisdiction, filings, and compliance with applicable laws.

Intellectual Property

All content, software, trademarks, and branding, including KillDebt, KillDebt.ai, and ParkerGPT, are owned by CollectionStopperMembership, LLC and protected under U.S. and international intellectual property laws. You may not reproduce, modify, or distribute any portion of the Services or Materials without written permission. All rights not expressly granted are reserved.

User Content and Uploaded Materials

By uploading or submitting documents, text, or other materials, you represent that you have the right to do so and grant KillDebt a non-exclusive, royalty-free license to process and display the materials for the purpose of providing the Service. You may not upload illegal, defamatory, or infringing content. We do not use your uploaded materials or prompts to train AI models. See our Privacy Policy.

Software and Technical Terms

If any part of the Service requires software or browser-based applications, we grant a limited, personal, non-transferable license for use solely with the Service. You may not reverse engineer, modify, or distribute such software. We may collect technical data for performance, security, or improvement purposes.

Copyright and DMCA Notices

If you believe material accessible through our Services infringes your copyright, please email support@killdebt.com with:

1. your physical or electronic signature;
2. identification of the copyrighted work claimed to be infringed;
3. the URL or location of the infringing material;
4. your contact information; and
5. a good-faith statement, under penalty of perjury, that the notice is accurate.

Knowingly submitting false claims may result in liability. Counter-notices must comply with applicable DMCA requirements.

Disclaimer of Warranties

The Services and Materials are provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not guarantee uninterrupted operation or error-free access.

Limitation of Liability

To the fullest extent permitted by law, CollectionStopperMembership, LLC, its owners, officers, employees, and agents are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of data, profits, goodwill, or other intangible losses, arising out of or related to your use of the Services. Our total liability for all claims shall not exceed the amount you paid (if any) for access to the Services in the 12 months preceding the claim.

Indemnification

You agree to defend, indemnify, and hold harmless CollectionStopperMembership, LLC, its affiliates, officers, employees, and agents from any claims, damages, or expenses (including attorneys’ fees) arising from your use of the Services, uploaded content, or violation of these Terms or applicable law.

Termination

We may suspend or terminate your access, with or without notice, for violation of these Terms, suspected misuse, or unlawful activity. Upon termination, your license ends immediately, and you must cease use of all Materials. No refunds are provided for terminated accounts.

Changes to Terms and Services

We may modify these Terms or any part of the Services at any time. Material updates will be posted on the website (and, if appropriate, emailed). Continued use after updates constitutes acceptance of the revised Terms.

Communications

By using the Services, you consent to receive transactional and administrative communications (such as receipts, billing notices, and service updates). You may opt out of marketing emails at any time.

Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the state or federal courts of Duval County, Florida, and you consent to their jurisdiction and venue.

Miscellaneous

Nothing in these Terms creates a partnership, employment, or agency relationship. If any provision is held invalid, the remainder remains in effect. Failure to enforce any term is not a waiver. You may not assign these Terms without our written consent. These Terms constitute the entire agreement between you and CollectionStopperMembership, LLC.

Contact Us

support@killdebt.com

CollectionStopperMembership, LLC, Jacksonville, Florida, USA