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Current Clients
Effective date: August 12, 2026
These Website Terms and Conditions (“Terms”) govern your access to and use of greenwisefinancial.com and related websites and forms that link to these Terms (collectively, the “Website”). The Website is owned and operated by Greenwise Financial Solutions, LLC (“Greenwise,” “we,” “us,” or “our”).
Please read these Terms carefully. By accessing or using the Website, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the Website.
These Terms govern Website use. If you enroll in a Greenwise program, a separate written client agreement and required disclosures will govern that service. If these Terms conflict with a signed client agreement regarding enrolled services, the client agreement controls for those services.
You must be at least 18 years old and legally capable of entering a binding agreement to use the Website. The Website is intended for people located in the United States. Services are not available in every state, and eligibility depends on your location, debt types, financial circumstances, creditor participation, applicable law, and other factors.
Greenwise provides information about debt-relief options, offers consultations, may provide debt-settlement services directly, and may refer consumers to selected third-party providers when appropriate.
Debt settlement generally involves attempting to negotiate eligible unsecured debts for less than the amount claimed by a creditor or debt collector. Greenwise is not a bank and does not make loans. Unless expressly disclosed in a separate written agreement, Greenwise is not a law firm, credit-repair organization, tax adviser, bankruptcy adviser, or nonprofit credit-counseling agency.
Submitting information through the Website does not guarantee acceptance into a program, a settlement, any particular savings, a reduction in monthly payments, or any other outcome. Creditors and debt collectors are not required to negotiate or accept settlement offers.
Debt settlement is not appropriate for everyone and involves material risks. Depending on the program and your circumstances:
· creditors or debt collectors may continue collection activity and may call you or file a lawsuit;
· missed or reduced payments may damage your credit history and credit score;
· interest, late fees, and other charges may continue to accrue;
· settlement funds may take months or years to accumulate;
· there is no guarantee that every debt will be settled or that a creditor will agree to particular terms;
· forgiven debt may be taxable income, subject to exceptions; and
· leaving a program before completion may affect results, although you retain rights concerning funds you own in a qualifying dedicated account.
Before enrollment, Greenwise will provide the disclosures required by applicable law, including information concerning fees, estimated timing, the amount you may need to save before settlement offers can be made, potential consequences, and dedicated-account rights where applicable. Do not rely on the Website alone to determine whether debt settlement is suitable. Consider alternatives such as a creditor hardship plan, consolidation loan, nonprofit credit counseling or debt-management plan, and consultation with a qualified bankruptcy attorney.
Greenwise does not charge a fee for merely submitting a Website inquiry or receiving an initial consultation.
For debt-relief services covered by the federal Telemarketing Sales Rule, Greenwise will not collect a debt-relief service fee until the legal conditions for earning that fee have been satisfied, including a successful resolution or change in terms for at least one debt, your agreement to that result, and at least one payment made pursuant to the result. The amount and method of calculating fees will be disclosed in a separate client agreement before enrollment.
If a program uses a dedicated settlement account, the account may be administered by an independent provider. As required by applicable law, program funds remain yours; you may withdraw from the service without a Greenwise cancellation penalty; and you retain rights to funds remaining in the account, less any properly earned fees and lawful account-provider charges. The separate account agreement governs the account provider’s services and charges.
Greenwise may determine that another provider may be better positioned to respond to your request or offer a potentially relevant service. With appropriate disclosure and as permitted by law, we may refer you and disclose information to selected third-party providers.
A referral is not a guarantee, endorsement of every aspect of a provider’s service, or assurance that you will qualify or receive a favorable result. A third party is responsible for its own products, services, disclosures, contracts, fees, communications, privacy practices, and compliance. Review that provider’s terms and privacy policy before proceeding. You are never required to accept a referred provider’s offer.
The Website is not an open marketplace for tribal lenders or other lenders, and submission of a Website inquiry is not a loan application unless a page clearly and specifically states otherwise.
You agree to provide information that is accurate, current, complete, and yours to provide. You may not impersonate another person, submit another person’s information without lawful authority, or use the Website for fraud or unlawful activity.
Submitting a general inquiry does not create a client relationship, obligate Greenwise to provide services, or authorize a consumer-report inquiry. Do not submit Social Security numbers, bank-account credentials, identification documents, or other highly sensitive information through a general contact form unless Greenwise specifically requests it through an approved secure process.
Visiting the Website or submitting a general inquiry does not, by itself, authorize Greenwise or any third party to obtain your consumer report. If a consumer report is needed, it will be obtained only for a legally permitted purpose and through a separate process providing any notice and obtaining any written instruction, authorization, certification, or consent required by the Fair Credit Reporting Act and applicable state law.
If you separately apply for a third party’s product or service, that third party may request authorization under its own terms and disclosures.
When you provide contact information, Greenwise may use it to respond to your request and provide service-related communications as permitted by law.
If you separately provide the required marketing consent, you agree that Greenwise may contact you at the number you provide by telephone or text message, including through automated technology or prerecorded or artificial voice where permitted. Consent to marketing is not a condition of purchasing services. Message frequency varies. Message and data rates may apply. Reply STOP to stop marketing texts and HELP for help. You may revoke consent through any reasonable method required by applicable law.
You may unsubscribe from marketing emails through the link in the email. Opting out of marketing does not prevent non-marketing communications concerning an existing account, a requested transaction, safety, or legal notices.
Calls may be monitored or recorded for quality assurance, training, documentation, security, and compliance. Greenwise will provide notice and obtain consent when required by law. If you do not wish to be recorded, tell the representative or end the call and use another available communication method.
Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information and describes applicable privacy choices. By using the Website, you acknowledge that you have had an opportunity to review the Privacy Policy. The Privacy Policy is available at https://greenwisefinancial.com/privacy-policy/.
Greenwise grants you a limited, personal, revocable, nonexclusive, nontransferable license to access and use the Website for lawful, noncommercial purposes consistent with these Terms.
You may not:
· violate any law or another person’s rights;
· submit false, misleading, fraudulent, or unauthorized information;
· interfere with Website operation or security;
· introduce malware or malicious code;
· attempt unauthorized access to systems, accounts, or information;
· scrape, harvest, copy, or systematically extract Website content or personal information except as permitted by law;
· use bots or automated systems in a manner that burdens or disrupts the Website;
· reverse engineer Website software except where applicable law prohibits that restriction;
· remove copyright, trademark, or proprietary notices; or
· use Website content to imply endorsement or for unlawful, deceptive, or competitive commercial purposes.
We may suspend or terminate Website access for conduct that violates these Terms or creates legal, operational, or security risk.
The Website and its content, including text, graphics, logos, design, software, and compilations, are owned by or licensed to Greenwise and protected by intellectual-property laws. Greenwise Financial Solutions and associated names, logos, and marks are trademarks or service marks of Greenwise or their respective owners. No rights are granted except the limited Website-use license expressly stated in these Terms.
If you send suggestions or feedback, you grant Greenwise a nonexclusive, worldwide, perpetual, irrevocable, royalty-free right to use and incorporate that feedback without obligation to you, provided we do not publicly identify you without permission.
Website content is for general educational and informational purposes. It is not individualized legal, tax, accounting, investment, credit, or bankruptcy advice. Financial outcomes depend on individual facts and may change as laws, creditor policies, and market conditions change.
You should consult appropriately qualified professionals about legal rights, tax consequences, bankruptcy, litigation, and other matters requiring professional advice. Do not delay seeking professional advice because of Website content.
The Website may link to or integrate with third-party websites and services. Greenwise does not control them and is not responsible for their availability, content, security, accessibility, terms, privacy practices, or conduct. A link does not necessarily mean Greenwise endorses the third party. Your dealings with a third party are between you and that third party.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” GREENWISE DISCLAIMS IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. GREENWISE DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR COMPLETE.
Nothing in these Terms excludes an express obligation contained in a signed client agreement or a right that cannot lawfully be waived. Statements concerning potential savings, timing, or outcomes are estimates only unless a separate written agreement expressly states otherwise, and no result is guaranteed.
TO THE FULLEST EXTENT PERMITTED BY LAW, GREENWISE AND ITS OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND WEBSITE SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM WEBSITE USE, INCLUDING LOST DATA OR PROFITS, EVEN IF ADVISED OF THE POSSIBILITY.
TO THE FULLEST EXTENT PERMITTED BY LAW, GREENWISE’S AGGREGATE LIABILITY ARISING FROM THE WEBSITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID GREENWISE, IF ANY, SPECIFICALLY FOR ACCESS TO THE WEBSITE DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limitations do not apply where prohibited by law and do not limit obligations or remedies under a separate signed client agreement.
To the extent permitted by law, you agree to indemnify and hold Greenwise harmless from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful misuse of the Website, violation of these Terms, or infringement of another person’s rights. This section does not require you to indemnify Greenwise for Greenwise’s own unlawful conduct and does not apply where prohibited by law.
These Terms and disputes concerning Website use are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law applies or applicable consumer law requires otherwise. Subject to any nonwaivable rights, courts located in Palm Beach County, Florida will have jurisdiction over disputes concerning the Website.
These Website Terms do not impose mandatory arbitration. A separate client or provider agreement may contain a dispute-resolution provision, which applies only according to its terms and applicable law.
Before filing a Website-related claim, you and Greenwise agree to make a good-faith effort to resolve the issue informally. Send a written notice describing the issue and requested resolution to the contact information below. This informal process does not extend a legal deadline unless the parties agree in writing or applicable law provides otherwise.
If you believe Website material infringes your copyright, send a notice containing the information required by 17 U.S.C. § 512(c)(3) to:
Greenwise Financial Solutions, LLC
Attn: Copyright Agent
1200 N Federal Hwy, Suite 200
Boca Raton, FL 33432
Email: gfslegal@greenwisefinancial.com
Knowingly misrepresenting infringement may result in liability. Greenwise may remove allegedly infringing material and terminate repeat infringers where appropriate.
We may change the Website and update these Terms. Revised Terms will be posted with a new effective date. Material changes will apply prospectively, and we will provide additional notice or obtain consent where required by law. Continued Website use after revised Terms become effective constitutes acceptance to the extent permitted by law.
You may stop using the Website at any time. We may restrict or terminate access when reasonably necessary to protect the Website, users, Greenwise, or others; comply with law; or respond to a violation of these Terms. Provisions that by their nature should survive will survive termination, including intellectual-property, disclaimer, liability, indemnification, and dispute provisions.
These Terms and the Privacy Policy constitute the agreement concerning Website use, except that a separate signed agreement governs the specific services addressed by that agreement. If a provision is unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will continue. Greenwise’s failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; Greenwise may assign them in connection with a merger, reorganization, financing, sale, or transfer of its business, subject to applicable law. Headings are for convenience only.
Greenwise Financial Solutions, LLC
Attn: Legal
1200 N Federal Hwy, Suite 200
Boca Raton, FL 33432
Email: gfslegal@greenwisefinancial.com
Telephone: 561-598-8296
