Terms of Service

Last Updated: November 29, 2025

Welcome to Nexseras. By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before using our services.

1. Acceptance of Terms

By using Nexseras' website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Description of Services

Nexseras provides debt relief and debt settlement services, including:

• Free debt consultations and financial assessments
• Negotiation with creditors on behalf of clients
• Debt settlement program management
• Educational resources and financial guidance

We are not a credit repair organization, credit counseling agency, or bankruptcy attorney. We do not provide legal advice, and our services are not a substitute for legal counsel.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Reside in a state where our services are available
• Provide accurate and complete information during enrollment

4. No Guarantees

Important: Nexseras cannot guarantee specific results, savings amounts, or settlement outcomes. The success of debt settlement depends on many factors, including:

• Your ability to make consistent monthly payments
• Creditor willingness to negotiate
• The amount and type of debt enrolled
• Economic conditions and creditor policies

Estimated savings, timelines, and program lengths provided on our website or during consultations are examples only and do not constitute a guarantee of your individual results.

5. Program Enrollment and Fees

If you enroll in a debt settlement program:

• Fees: Our fees are performance-based and typically range from 15-25% of the enrolled debt amount. We only charge fees after successfully settling a debt on your behalf.
• Monthly Payments: You agree to make regular monthly deposits into a dedicated account for the purpose of settling your enrolled debts.
• Program Duration: Most programs last 24-48 months, depending on your enrolled debt amount and monthly payment capacity.
• No Upfront Fees: We do not charge fees before services are performed, in compliance with federal and state regulations.

6. Potential Risks and Consequences

You understand and acknowledge that participating in a debt settlement program may result in:

• Credit Score Impact: Debt settlement can negatively affect your credit score. Settled accounts will appear on your credit report for up to seven years.
• Creditor Actions: Creditors may continue collection efforts, increase interest rates, charge late fees, or pursue legal action during the program.
• Tax Consequences: Forgiven debt may be considered taxable income by the IRS. Consult a tax professional for advice.
• Account Closure: Enrolled credit accounts must be closed and cannot be used during the program.
• No Debt Assumption: Nexseras does not assume, pay, or guarantee payment of any debts. We negotiate on your behalf, but you remain responsible for your debts.

7. Your Responsibilities

As a client, you agree to:

• Provide accurate and complete information about your debts and financial situation
• Make timely monthly payments into your dedicated settlement account
• Communicate with us promptly about any changes to your financial situation or creditor contact
• Refrain from making payments directly to enrolled creditors without our authorization
• Review and respond to settlement offers in a timely manner

8. Cancellation and Refunds

You have the right to cancel your enrollment at any time. If you cancel:

• You will only be charged fees for settlements completed before cancellation
• Any funds in your dedicated account (minus fees owed) will be returned to you
• You will be responsible for any remaining debts with your creditors

To cancel, contact us in writing at admin@nexseras.com or call (561) 705-7709.

9. Limitation of Liability

To the fullest extent permitted by law, Nexseras and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Nexseras and its affiliates from any claims, liabilities, damages, losses, or expenses arising out of your use of our services, violation of these Terms, or violation of any rights of another party.

11. Dispute Resolution and Arbitration

Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court. You waive your right to participate in a class action lawsuit or class-wide arbitration.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have any questions about these Terms, please contact us:

Nexseras
Email: admin@nexseras.com
Phone: (561) 705-7709

Important Notice: These Terms of Service are provided as a general framework. Before launching your website, we strongly recommend having these terms reviewed by a licensed attorney familiar with debt relief regulations in your state and federal laws such as the Telemarketing Sales Rule (TSR) and state-specific debt settlement regulations.