Terms of Service

Last updated: March 16, 2026

Acceptance of Terms

These Terms of Service govern your use of DebtMetrics and its services. By accessing and using our website, you agree to be bound by these terms in their entirety. If you do not agree with any provision contained herein, you must immediately cease using our services and exit the website. We reserve the right to modify these terms at any time, and your continued use of our platform following such modifications constitutes your acceptance of the updated terms. It is your responsibility to review these terms periodically to ensure you remain informed of any changes. We provide these terms to ensure a clear understanding of the rights and obligations between us and our users.

User Obligations and Conduct

As a user of our services, you agree to comply with all applicable laws and regulations. You commit to using our platform only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use and enjoyment of our services. Prohibited behavior includes harassment, unlawful conduct, and interference with the normal operation of our platform. You agree not to attempt to gain unauthorized access to our systems, transmit viruses, or engage in any form of cyber attack. You are solely responsible for maintaining the confidentiality of any account credentials and for all activities conducted through your account. We expect all users to act with integrity and respect for our community standards.

Intellectual Property Rights

All content, including text, graphics, logos, images, audio clips, video files, and data compilations available on our platform, is the exclusive property of our organization or our content suppliers and is protected by international copyright and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and view this content for personal, non-commercial purposes only. Any unauthorized reproduction, distribution, transmission, or modification of our content is strictly prohibited. You may not reverse engineer, decompile, or attempt to derive the source code of any proprietary software or systems. Unauthorized use of our intellectual property may result in civil and criminal penalties.

Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or inability to access them. Our total liability for any claim related to our services shall not exceed the amount paid by you for services in the twelve months preceding the claim. This limitation applies regardless of the legal theory upon which the claim is based, whether in contract, tort, strict liability, or otherwise. We do not warrant that our services will be uninterrupted, error-free, or free from harmful components. Your use of our platform is at your own risk, and we disclaim all warranties, express or implied.

Termination of Access

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without prior notice. Grounds for termination include violation of these terms, unlawful conduct, or any behavior we determine to be detrimental to our platform or other users. Upon termination, your right to access our services ceases immediately, and you must comply with all outstanding obligations. We may also terminate services due to technical issues, maintenance requirements, or business decisions. Your termination does not relieve you of any obligations incurred prior to the date of termination, including payment obligations for services rendered.