Terms of Service

Agreement Between User and Pathway Financial

These Terms of Service (“Terms”) govern your access to and use of the Pathway Financial website located at https://pathwayfinancial.com/ and any related websites, landing pages, applications, or online services owned or operated by Pathway Financial (collectively, the “Website”).

By accessing, browsing, submitting information through, or otherwise using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

If you do not agree with these Terms, you must discontinue use of the Website immediately.

These Terms apply to all visitors, users, and others who access or use the Website.

1. Eligibility

The Website and services described on the Website are intended only for individuals who are:

• At least 18 years of age
• Residents of the United States

By using this Website, you represent and warrant that you meet these eligibility requirements.

Certain services offered by Pathway Financial may be subject to additional agreements, disclosures, or service terms. If you enter into a separate agreement with Pathway Financial, those terms may control where applicable.

2. Services and Website Purpose

The Website is intended to provide information about debt relief services, financial consultation services, educational resources, and related financial support programs.

Users May

• Request information about debt relief services
• Submit contact forms or inquiries
• Schedule consultations
• Access educational content related to personal finance and debt management

Submitting information through the Website does not guarantee approval for any program or financial service.

In some situations, Pathway Financial may share necessary information with authorized service providers or partners to evaluate your request or provide services.

3. Consent to Communications

By submitting your contact information through the Website, you expressly consent to be contacted by Pathway Financial and its representatives regarding services you requested.

Communications May Include

• Phone calls
• Text messages (SMS)
• Emails
• Other electronic communications

These communications may be made using automated dialing systems, prerecorded voice messages, or other automated technologies where permitted by law.

Message and data rates may apply.

Consent to receive communications is not a condition of purchasing any services.

You may opt out of communications at any time by following instructions provided in the message or by contacting Pathway Financial.

4. Financial Information Disclaimer

Information provided on the Website is for informational and educational purposes only.

Nothing on this Website should be considered financial, legal, or tax advice.

Individual financial circumstances vary, and you should consult with qualified professionals before making financial decisions.

5. No Guarantee of Results

Pathway Financial does not guarantee that any debt will be reduced, settled, eliminated, or otherwise resolved through any program.

Results vary based on individual financial circumstances, creditor participation, and other factors.

Not all clients qualify for or complete programs, and outcomes may differ from examples or testimonials presented on the Website.

6. Limited License to Use the Website

Pathway Financial grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Website solely for personal and informational purposes.

You May Not

• Copy or reproduce Website content without permission
• Distribute or sell Website materials
• Use automated tools such as bots, scrapers, or crawlers
• Attempt to gain unauthorized access to systems or networks
• Use the Website for unlawful purposes

All rights not expressly granted are reserved by Pathway Financial.

7. Prohibited Use

By accessing or using the Website, you agree that you will not:

• Violate any applicable laws or regulations
• Submit false or misleading information
• Impersonate another individual or entity
• Attempt to interfere with the security or functionality of the Website
• Upload malicious software, viruses, or harmful code
• Overload or disrupt Website services

Pathway Financial reserves the right to restrict or terminate access if these Terms are violated.

8. Intellectual Property

The Website and all content contained within it, including text, graphics, logos, images, design, software, and other materials, are owned by or licensed to Pathway Financial and are protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, or exploit any Website content without prior written consent from Pathway Financial.

9. Third-Party Websites

The Website may contain links to third-party websites or services.

Pathway Financial does not control or assume responsibility for the content, policies, or practices of third-party websites.

Your interactions with third parties are solely between you and the third party.

10. Termination of Access

Pathway Financial reserves the right to suspend, restrict, or terminate your access to the Website at any time, with or without notice.

Pathway Financial may also modify or discontinue any portion of the Website at any time without liability.

11. Disclaimer of Warranties

The Website and all content and services provided through it are offered “as is” and “as available.”

To the fullest extent permitted by law, Pathway Financial disclaims all warranties including:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement

Pathway Financial does not guarantee that the Website will be uninterrupted, secure, or error-free.

12. Limitation of Liability

To the maximum extent permitted by law, Pathway Financial and its affiliates will not be liable for any indirect, incidental, consequential, or punitive damages arising from:

• Your use of the Website
• Inability to access the Website
• Reliance on information contained on the Website

13. Indemnification

You agree to defend, indemnify, and hold harmless Pathway Financial, its employees, affiliates, partners, and service providers from any claims, damages, losses, liabilities, or expenses arising from:

• Your use of the Website
• Your violation of these Terms
• Any information you submit through the Website

14. Governing Law

These Terms of Service are governed by the laws of the State of Illinois, without regard to conflict of law principles.

15. Arbitration and Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.

You agree that disputes will be resolved on an individual basis only and that you waive any right to participate in class actions or class arbitration.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms of Service, along with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Pathway Financial regarding use of the Website.

Contact Information

If you have questions regarding these Terms of Service, you may contact:

Pathway Financial LLC
929 Childs Street
Wheaton, Illinois 60187
United States

Email: support@pathwayfinancial.com

Phone: +1 (888) 844-3508

PLEASE PRINT OR SAVE A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS.