1. Acceptance of Terms
By accessing or using Nova Debt Helper ("the Service"), available at nova.visionaryconsultant.net, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Visionary Solution LLC ("Company," "we," or "us").
2. Description of Service
Nova Debt Helper is an AI-powered debt advisory tool that analyzes your financial information and generates personalized debt repayment suggestions and educational resources. The Service uses large language model (LLM) technology to process your inputs and provide conversational guidance about debt management strategies.
The Service is an informational and educational tool only. It does not:
- Provide licensed financial advice, credit counseling, or debt relief services
- Act as a fiduciary, financial planner, investment advisor, or credit repair organization
- Negotiate with creditors on your behalf
- Guarantee any specific financial outcome, interest rate reduction, or debt reduction
- Replace professional financial, legal, or tax advice from qualified professionals
3. Not Financial Advice Disclaimer
Nova Debt Helper does not provide financial advice. All information, suggestions, analyses, and outputs generated by the Service are provided for informational and educational purposes only. They should not be relied upon as the sole basis for any financial decision.
You acknowledge that:
- The Service uses artificial intelligence, which may produce incomplete, inaccurate, or outdated information
- AI-generated suggestions are not tailored to your specific legal, tax, or financial circumstances
- Debt management involves risks, and past strategies do not guarantee future results
- You are solely responsible for verifying all information and consulting with qualified professionals
4. User Responsibilities
By using the Service, you agree to:
- Provide accurate and truthful information to the best of your knowledge
- Not use the Service for any unlawful purpose or in violation of any applicable laws
- Not attempt to reverse engineer, decompile, or otherwise access the underlying AI models or infrastructure
- Not share content that is harmful, abusive, defamatory, or violates the rights of others
- Not rely solely on the Service's outputs for financial decisions without independent verification
- Consult qualified financial, legal, or tax professionals before acting on any suggestions
- Maintain the confidentiality of any account credentials, if applicable
- Comply with all applicable local, state, national, and international laws
5. No Guarantee of Results
Nova Debt Helper provides educational suggestions and analysis based on the information you supply. We do not guarantee any specific outcome, including but not limited to:
- Reduction or elimination of debt
- Improvement in credit score or financial standing
- Savings on interest payments
- Approval for any financial product or service
Individual results depend on many factors outside our control, including your personal financial situation, creditor terms, market conditions, and your own actions.
6. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VISIONARY SOLUTION LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR FINANCIAL LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE.
You agree that your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
In no event shall our total liability to you exceed the amount you have paid to us for use of the Service, or one hundred dollars ($100.00), whichever is greater.
7. Data Collection and Privacy
We collect and process personal data as described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy, including the use of third-party AI services to process your conversational inputs.
Key points:
- Conversations and financial details you share are processed by third-party AI providers
- We do not sell your personal data
- You have the right to request deletion of your data
- Data is encrypted in transit and stored securely
8. Intellectual Property
All content, design, logos, and software associated with Nova Debt Helper, including but not limited to text, graphics, interfaces, and the compilation of data, are the intellectual property of Visionary Solution LLC or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use. You may not:
- Copy, modify, distribute, sell, or lease any part of the Service
- Use the Service's outputs to create competing products or services
- Remove, alter, or obscure any proprietary notices
- Use automated tools (bots, scrapers) to access the Service beyond normal usage
9. Termination
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination:
- All provisions that should reasonably survive termination shall remain in effect, including limitations of liability, disclaimers, and intellectual property provisions
- We are not liable for any loss or damage resulting from termination
- You may request deletion of your personal data in accordance with our Privacy Policy
You may stop using the Service at any time. Simply discontinue use and, if applicable, request data deletion via privacy@visionarysolution.net.
10. Changes to Terms
We may update these Terms from time to time. When we do, we will update the "Last Updated" date at the bottom of this page. Changes will be effective immediately upon posting. Your continued use of the Service after any changes constitutes your acceptance of the revised Terms.
If we make material changes that significantly affect your rights, we will make reasonable efforts to notify you, such as through a notice on the Service or via email. We encourage you to review these Terms periodically.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.
12. Contact
If you have questions or concerns about these Terms of Service, please contact us:
- Email: legal@visionarysolution.net
- Company: Visionary Solution LLC
- Website: nova.visionaryconsultant.net
Last Updated: April 19, 2026