Legal

Terms of Service

Effective Date: June 19, 2026 · Last Updated: June 19, 2026

1. Agreement

These Terms of Service ("Terms") govern your access to and use of TrackMyDebtor.com (the "Service"), operated by TrackMyDebtor.com ("Company," "we," "us," "our"). By creating an account or using the Service in any way, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Eligibility

The Service is intended exclusively for licensed attorneys, paralegals, legal professionals, and their authorized staff engaged in the lawful enforcement of civil judgments. By using the Service, you represent and warrant that:

You are at least 18 years of age;
You are a licensed attorney or authorized legal professional, or acting under the direct supervision of one;
You are legally authorized to access public record data for the purposes described herein in the jurisdiction(s) where you practice; and
Your use of the Service complies with all applicable federal, state, and local laws.

3. FCRA Disclaimer — Important

TrackMyDebtor.com is NOT a consumer reporting agency as defined under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) ("FCRA"). The information provided through the Service does NOT constitute a "consumer report" and may NOT be used for any purpose regulated by the FCRA, including but not limited to: employment screening, credit decisions, insurance eligibility, tenant screening, or any other permissible purpose enumerated in FCRA § 604. Using this Service for any FCRA-regulated purpose is strictly prohibited and solely your responsibility.

4. Permitted Uses

You may use the Service solely for the following purposes:

Monitoring judgment debtors for asset discovery in connection with lawful civil judgment enforcement;
Accessing publicly available property records, court filings, business entity information, and related public data; and
Receiving alerts about changes in a debtor's discoverable financial status.

5. Prohibited Uses

You may NOT use the Service to:

Generate consumer reports or act as a consumer reporting agency under the FCRA;
Screen tenants, employees, or insurance applicants;
Harass, stalk, threaten, or intimidate any individual;
Conduct unauthorized debt collection or violate the Fair Debt Collection Practices Act (FDCPA);
Access, collect, or use the personal information of individuals for any purpose other than lawful civil judgment enforcement;
Resell, redistribute, or sublicense any data obtained through the Service to third parties;
Attempt to reverse-engineer, scrape, or extract data from the Service in any unauthorized manner; or
Violate any applicable federal, state, or local law or regulation.

6. Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at Support@TrackMyDebtor.com if you suspect unauthorized access to your account. We are not liable for losses resulting from unauthorized account access caused by your failure to safeguard your credentials.

7. Subscription and Billing

The Service is offered on tiered monthly plans: Individual ($6.99/month, 1 debtor), Pro ($29.99/month, up to 5 debtors), or a custom Enterprise rate. Current plan pricing is listed at trackmydebtor.com/pricing.
Your billing cycle is monthly, charged at the start of each billing period.
Debtors you pause or remove are not counted in subsequent billing cycles.
Payments are processed securely by Stripe, Inc. Your payment card details are never stored on our servers.
We reserve the right to adjust pricing with at least 30 days' written notice.
All fees are non-refundable except as required by applicable law. No credits or refunds are issued for partial billing periods.

8. Data Accuracy Disclaimer

Data returned by the Service is sourced from third-party public record providers and is provided "as is." We make no representations or warranties — express, implied, or statutory — regarding the accuracy, completeness, reliability, or timeliness of any information provided through the Service. You are solely responsible for independently verifying any information before relying on it for legal, professional, or business purposes.

9. Intellectual Property

The Service, including its software, interface design, and content (excluding data sourced from third parties), is owned by the Company and protected under applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service solely for its intended purpose during your active subscription period. You may not copy, modify, distribute, or create derivative works of any portion of the Service.

10. Privacy

Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in our Privacy Policy.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for violation of these Terms or any applicable law, or for any other reason at our sole discretion. Upon termination, your right to use the Service immediately ceases. You may cancel your subscription at any time by contacting us; access will continue through the end of the current paid billing period. No refunds are issued upon cancellation.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by email or via a notice within the Service. Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

15. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any dispute arising under or related to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Wake County, North Carolina, and you consent to personal jurisdiction in those courts.

16. Miscellaneous

These Terms constitute the entire agreement between you and the Company regarding the Service. If any provision is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce any right or provision does not constitute a waiver. You may not assign your rights under these Terms without our written consent.

Contact

Questions about these Terms? Email us at Support@TrackMyDebtor.com.