Terms & Conditions

National Foundation for Debt Management Online Terms and Conditions

Last updated: October 2017.


The Web Site nfdm.org is comprised of various Web pages operated by National Foundation for Debt Management (NFDM).

The NFDM Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the NFDM Web Site constitutes your agreement to all such terms, conditions, and notices.


NFDM reserves the right to change the terms, conditions, and notices under which the NFDM Web Site is offered, including but not limited to the charges associated with the use of the NFDM Web Site.


The NFDM Web Site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of NFDM and NFDM is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. NFDM is not responsible for webcasting or any other form of transmission received from any Linked Site. NFDM is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by NFDM of the site or any association with its operators.


As a condition of your use of the NFDM Web Site, you warrant to NFDM that you will not use the NFDM Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the NFDM Web Site in any manner which could damage, disable, overburden, or impair the NFDM Web Site or interfere with any other party’s use and enjoyment of the NFDM Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the NFDM Web Sites.


The NFDM Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  • Conduct or forward surveys, contests, pyramid schemes or chain letters.
  • Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  • Restrict or inhibit any other user from using and enjoying the Communication Services.
  • Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  • Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  • Violate any applicable laws or regulations.

NFDM has no obligation to monitor the Communication Services. However, NFDM reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. NFDM reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

NFDM reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is NFDM’s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. NFDM does not control or endorse the content, messages or information found in any Communication Service and, therefore, NFDM specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized NFDM spokespersons, and their views do not necessarily reflect those of NFDM.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.


NFDM does not claim ownership of the materials you provide to NFDM (including feedback and suggestions) or post, upload, input or submit to any NFDM Web Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting NFDM, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. NFDM is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at NFDM’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.


a) Mobile Devices

By subscribing to NFDM you consent to receive electronic communications from NFDM in electronic form, via email, Short Message Service (“SMS Service”) or wireless internet (“WAP Service”) and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Site to that device and understand your carrier’s standard rates apply to any messages sent from NFDM. You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to https://members.nfdm.org. You may also call 1 (800) 352-8984 for support.

You may also click the “Opt-out” link on the bottom of the email to unsubscribe to email correspondence. Only United States residents may use the SMS or WAP Service.

b) Data Security

SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. NFDM do not guarantee your use of the SMS or WAP Services will be private or secure, and NFDM will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree NFDM may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.


The information, software, products, and services included in or available through the NFDM web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. NFDM and/or its suppliers may make improvements and/or changes in the NFDM web site at any time. Advice received via the NFDM web site should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

NFDM and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the NFDM web site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind. NFDM and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.

To the maximum extent permitted by applicable law, in no event shall NFDM and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the NFDM web site, with the delay or inability to use the NFDM web site or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the NFDM web site, or otherwise arising out of the use of the NFDM web site, whether based on contract, tort, negligence, strict liability or otherwise, even if NFDM or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the NFDM web site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the NFDM web site.

SERVICE CONTACT:  questions@nfdm.org


NFDM reserves the right, in its sole discretion, to terminate your access to the NFDM Web Site and the related services or any portion thereof at any time, without notice. GENERAL. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Pinellas County, Florida, U.S.A. in all disputes arising out of or relating to the use of the NFDM Web Site. Use of the NFDM Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and NFDM as a result of this agreement or use of the NFDM Web Site. NFDM’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of NFDM’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the NFDM Web Site or information provided to or gathered by NFDM with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and NFDM with respect to the NFDM Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and NFDM with respect to the NFDM Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.


NFDM, and the NFDM logo are trademarks, trade names or service marks of NFDM, LLC or its related companies. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of NFDM or the owner of such trademark or service mark.

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.


In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), NFDM will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

  • a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
  • identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
  • identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
  • information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
  • a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
  • a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

NFDM’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims
14104 58th Street North
Clearwater, FL 33760
Email: questions@nfdm.org