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PAYMENT PLAN TERMS AND CONDITIONS




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These terms and conditions document the agreement between InDebted (“InDebted”,
“us” we”) and You (“you”, your”) whereby you agree to enter into a payment plan
to repay the monies owing to your creditor (“creditor”).

You owe the creditor the balance of your overdue amount (the “balance”). You
agree to repay the balance by entering into the agreed payment plan that you
specified on our online payment portal services, including any variation that
you make to your agreed payments plan ("payment plan") in accordance with these
payment terms and conditions (“terms and conditions”).

You agree to make payment amounts specified and made by you as payment of the
balance outstanding to the creditor until the balance is repaid in full.

Payments will be deducted from your bank account for the agreed amount via the
method nominated by you.

By entering into this payment plan, you acknowledge and agree to be bound by
these terms and conditions as outlined below. We also agree to be bound by these
terms and conditions. If there is any inconsistency between these terms and
conditions and any other terms set out on our website, these terms and
conditions will prevail with respect to your payment arrangement (except as
expressly contemplated by these terms and conditions).


1. ACKNOWLEDGEMENT OF THE BALANCE

You agree that you acknowledge that the amount stated within the payment plan is
the amount owed to your creditor as the full payment amount of the outstanding
balance.


2. REGISTRATION FOR OUR ONLINE SERVICES

In summary, InDebted’s online services allows you to register with InDebted
online and enter into a payment plan and make a variation to a payment plan to
repay your balance that you owe to your creditor.

In order to access and use InDebted’s online services (“online services”), you
must use the online payment portal. By using the online services we will collect
personal information/personal data from you, which will be used by and disclosed
by InDebted, on the terms set out in InDebted’s Privacy Policy specified on our
website, which you agree will be binding on you.

Your access to our online services is subject to these terms and conditions,
InDebted’s privacy policy disclosed on our website, notices, disclaimers, our
Website & Online Services Terms and Conditions, any other terms and conditions
or other statements contained on our website, will be referred to collectively
as "terms and conditions".


3. ACCOUNT SECURITY

You are responsible for maintaining the security of your access to our online
services. We will not take responsibility for unauthorised access and use of
your online services unless such unauthorised access or use was caused by our
failure to take reasonable steps to prevent such access and use.


4. AUTHORITY TO ACT FOR YOU

You authorise us to do the following:

 1. use your personal information/personal data to make enquires regarding your
    financial situation, to better ascertain the most appropriate and beneficial
    way to provide our services to you;
 2. negotiate a payment plan with your creditor on your behalf;
 3. make arrangements for you to make payments to your creditor in accordance
    with the payment plan; or
 4. provide you with regular updates relating to your payment plan.


5. PAYMENT PLAN

 1. You agree that we will make arrangements with you to repay your creditor in
    accordance with the payment plan in place.
 2. We will have payment records which we will provide to you and your creditor
    in relation to your balance.
 3. You agree that the amount specified in the payment plan will be paid to your
    creditor for the payment instalment of your balance for the period specified
    in the payment plan until the total outstanding balance is repaid in full.
 4. All instalments under your payment plan must be paid on or before the due
    date and you need to ensure that there are sufficient funds available in the
    nominated account to meet the instalment payments.
 5. As part of the payment plan, you will provide details of your debit or
    credit card or nominated bank account from which payments are to be made by
    you in respect of your balance owing to your creditor. By providing those
    details, you agree to InDebted (or InDebted’s agent) establishing a payment
    plan against that debit or credit card or bank account details on the terms
    of the Direct Debit Request and Direct Debit Service Agreement attached to
    these terms for the amounts payable by you under the agreed payment plan.
 6. InDebted will automatically deduct payments due on the scheduled dates in
    accordance with your payment plan and the Direct Debit Service Agreement.
    Subject to these terms and the terms of the Direct Debit Request Service
    Agreement, you hereby expressly consent to, authorize and instruct InDebted
    to deduct the payment amounts from the debit or credit card or bank account
    nominated by you in your account details. You may update or change your
    preferred debit or credit card or bank account details at any time by your
    online services or by contacting us. You must ensure that you have
    sufficient funds available on the debit card or nominated bank account by
    you in order to make the payments due on the due date for payment specified
    in the payment plan.
 7. You are liable for any fees or charges imposed by your debit or credit card
    or bank account provider except to the extent that they are imposed as a
    result of our error or system failure. If the automatic payment process
    fails (for example because your debit card has expired) a late fee may be
    applied by your creditor or debit or credit card or bank account provider
    unless you otherwise make the payment on or before the relevant due date.
    You authorise us to debit your debit or credit card or bank account at a
    later time or date to deduct the agreed payments under the payment plan.
 8. You will receive payment reminders of your payment plan via email.


6. PAYMENT

 1. Where a payment option is given to you with respect of payment plan, you may
    choose to make payment by way of:
    1. Debit Card Payment;
    2. Credit Card Payment (where allowed in those jurisdictions) or
    3. Direct Debit.
 2. All payments made in the course of your use of the services are made using
    Stripe. In using the website, the services or when making any payment in
    relation to your use of the services, you warrant that you have read,
    understood and agree to be bound by the Stripe terms and conditions which
    are available on the Stripe website.
 3. You acknowledge and agree that where a request for a payment is returned or
    denied, for whatever reason, by your financial institution or is unpaid by
    you for any other reason, then you are liable for any costs, including
    banking fees and charges, associated with the payment.
 4. If you dispute any payment made to us, you must contact us immediately and
    provide full details of your claim.


7. SETTLEMENT IN FULL

 * Your settlement in full must be completed within the time frame specified in
   your settlement offer.
 * You must create your settlement in full directly through InDebted. If you pay
   part of your account directly to your original creditor, this will be
   refunded back to you once you’ve successfully completed your payment with
   Indebted in accordance with the offer terms.
 * The discount offer will be applied if you’ve successfully resolved your
   account as stated in the offer terms.
 * If you fail to make your payment and it extends past the settlement offer
   timeframe specified, OR your plan is canceled, you will be ineligible for the
   settlement offer.


8. SETTLEMENT PLAN

 * Your payment plan must be created to start by the date specified in the
   settlement offer.
 * Your payment plan must be completed within the time frame specified in your
   settlement offer.
 * You must create a payment plan directly through Indebted. If you pay part of
   your account directly to your original creditor, this will be refunded back
   to you once you’ve successfully completed your payment plan with Indebted in
   accordance with the offer terms.
 * If you’ve successfully resolved your account by the end date stated in the
   offer terms, the discount offer will be applied.
 * If you miss a payment and it pushes your plan to complete outside of the
   timeframe specified OR your plan is cancelled, you will be ineligible for the
   settlement offer.


9. REFUND POLICY

InDebted will only provide you with a refund of the payment in the event that we
are unable to continue to provide the online services, you have made an
overpayment or if InDebted determines in its absolute discretion that it is
reasonable to do so under the circumstances.


10. FAILURE TO MAKE PAYMENTS

If you fail to make a specified payment on the payment date, there is a risk
that the payment plan will be cancelled, and you may incur additional fee and
charges from your creditor.


11. CONTACT WHILST ON A PAYMENT PLAN

While an arrangement is in place, we will not contact you unless:

 1. you ask us to;
 2. we wish to propose a genuine alternative arrangement to benefit you;
 3. we agreed that the payment plan arrangement was made subject to review;
 4. you have requested to vary your payment plan; or
 5. you do not comply with the terms of the agreed payment plan.


12. CHANGES TO THIS PLAN

No changes will be made unless you make a variation to the payment plan. Any
prior arrangements made in writing or orally are superseded by the current
payment plan.


13. YOUR OBLIGATIONS

By using InDebted’s online services, you agree that you must:

 1. not provide us with information which is false or misleading or inaccurate;
 2. provide and update your contact details through your online services or
    preferred method of contact;
 3. not use the online services for any unlawful, fraudulent or improper
    activity;
 4. cooperate with us fully to investigate any suspected unlawful fraudulent or
    improper activity with respect of your use of the online services;
 5. not give access to your online services to anyone; and
 6. contact us immediately if you believe that your use of the online services
    is subject to any unauthorised activity, fraudulent activity or security
    breach.


14. LIABILITY

You acknowledge and agree, in respect of InDebted, and its respective employees,
directors, officers, related bodies corporates, agents and contractors
(together, relevant persons), that none of the relevant persons will be liable
in respect of:

 1. any failure to provide the service; or
 2. any failure to comply with these terms and conditions, if the failure or
    non-compliance is caused by events beyond its reasonable control.

To the maximum extent permitted by law, InDebted will not be liable for any loss
or damage which you incur as a result of the online services and or the website
being unavailable.

InDebted will not be responsible or liable to you for any indirect, or
consequential injury, loss or damage to you or your property whatsoever or
howsoever arising.

Nothing in this clause or these terms limits any rights you may have under law
with respect of any applicable any competition and consumer legislation.


15. COMMUNICATIONS

You have agreed to receive all communications from us in electronic form.
Communications (including any amendments to the payment plan and these terms and
conditions) will also be provided to you (subject to privacy legislation
compliance) in any of the following ways by notice:

 1. posted on our website (where permitted under these terms and conditions); or
 2. being sent to your email address;
 3. sent via SMS; or
 4. via other digital methods of communication.


16. COMPLAINTS

We will to the best of our ability, strive to provide you with services that
exceed your expectations. However, if at times, you feel that you are not
satisfied with our performance in any way, you can contact us via the 'Contact
Us' link on our website.

If an issue has not been resolved to your satisfaction, we will handle your
complaint in accordance with our complaints policy on our website.


17. AMENDMENTS TO THESE TERMS AND CONDITIONS

InDebted may amend these terms and conditions and the way in which InDebted
provides the online services, at any time by notice on the InDebted website. You
should check the InDebted website regularly. Any such amendments will apply from
the date stated on InDebted’s website.

These terms and conditions will be available to you to view on InDebted’s
website.

We will not give any advance notice where an immediate change to the service or
these terms and conditions is required by law or is necessary to restore or
maintain the security of our systems or our website.


18. ASSIGNMENT

You may not transfer or assign any of your rights or obligations under these
terms and conditions without InDebted’s prior consent.

InDebted may transfer or assign all and any of its rights and obligations under
these terms and conditions to any person, without requiring your consent.


19. SEVERABILITY

If a provision of these terms and conditions is determined by any court or other
competent authority to be unlawful and/or unenforceable, the other provisions
will continue in effect.

If any unlawful and/or unenforceable provision of these terms and conditions
would be lawful or enforceable if part of it were deleted, that part will be
deemed to be deleted, and the rest of the provision will continue in effect.


20. GOVERNING LAW

These terms and conditions shall be governed by and construed in accordance with
the laws where the services are being provided to you or the website that you
are accessing, if you are accessing the:

 1. Australian website – www.indebted.co/en-AU, then Australian law will apply
    depending on the State or Territory that you reside in or applicable to the
    services;
 2. New Zealand website – www.indebted.co/en-NZ then New Zealand Law will apply;
 3. Canadian website – www.indebted.co/en-CA then Canadian law will apply
    depending on the Province or Territory that you reside in or applicable to
    the services;
 4. United States of America website – www.indebted.co/en-US, then US law will
    apply depending on the State that you reside in or applicable to the
    services; and
 5. United Kingdom website – www.indebted.co/en-GB, then UK law will apply
    depending on where in the United Kingdom you reside in or applicable to the
    services.

Any disputes relating to these terms and conditions shall be subject to the
exclusive jurisdiction of the courts of the applicable jurisdiction as outlined
above.


21. INTERPRETATION

In these terms:

 1. headings are inserted for ease of reference only, and do not affect the
    interpretation of these terms;
 2. references to you or your means the customer;
 3. references to the singular include the plural and vice versa;
 4. references to a person include an individual, company, corporation,
    partnership, firm, joint venture, association, trust, unincorporated body of
    persons, governmental or other regulatory body, authority or entity, in each
    case whether or not having a separate legal identity;
 5. reference to any party includes its permitted assignee or transferee;
 6. any reference to InDebted includes any entity appointed to replace it;
 7. reference to the “liability” of a person include references to its liability
    under any cause of action, whether in contract, tort, or equity or under any
    enactment;
 8. references to any document (however described) are references to that
    document as modified, novated, supplemented, varied or replaced from time to
    time and in any form, whether on paper or in an electronic form; and
 9. a reference to any legislation is a reference to that legislation as amended
    or replaced from time to time, and includes any regulations or legislative
    instrument made under it.


22. STATUTORY AND REGULATORY DISCLOSURES

We will not file a copy of these terms and conditions specifically in relation
to each user or customer and, if we update these terms and conditions, the
version to which you originally agreed will no longer be available on our
website. We recommend that you consider saving a copy of these terms and
conditions for future reference.

These terms and conditions are Version 2.3, dated 4 January 2023.



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Mailing Address (USPS)
InDebted Mail Processing Center
P.O. Box 1201
Farmington, MO 63640
USA
Mailing Address (Non-USPS)
InDebted C/O Data Dash Inc
802 Progress Dr.
Farmington, MO 63640
USA

InDebted USA Inc. offers bilingual services to Spanish speaking consumers.

A translation and description of commonly-used debt collection terms is
available in multiple languages on the NYC Department of Consumer Affairs’
website, www.nyc.gov/dca.

© 2023 InDebted USA, Inc.

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