Terms and Conditions

Terms and Conditions

Terms and Conditions

Last Updated: July 16, 2025

1. Introduction

Welcome to HappyDebt (“we,” “us,” “our,” or the “Platform”). These Terms and Conditions (“Terms”) govern your access to and use of HappyDebt’s services and platform. By using our platform, you agree to comply fully with these Terms. If you do not agree, please do not use our services.

2. Services Overview

HappyDebt is a modern platform and community built for Independent Sales Organizations (ISOs) across the U.S. We help ISOs grow by providing powerful tools for scheduling, client communication, and partner engagement — including appointment booking, SMS/email reminders, and value-added services. Our goal is to streamline operations, reduce no-shows, and connect ISOs with the data, products, and network they need to scale.

3. Account Registration and User Responsibilities

  • You must provide accurate, current, and complete information when registering and maintain the confidentiality of your account credentials.

  • You are responsible for all activity that occurs under your account.

  • You agree to notify us immediately of any unauthorized use or security breach.


4. Communications and Consent to Receive Messages

  • To provide optimal service, we send booking confirmations, meeting reminders, and follow-up notifications via SMS, email, and other electronic means.

  • These communications may include personal names, company names, meeting times, and other relevant details that vary case-by-case.

  • By using our platform, you consent to receive these communications. You may opt out by replying STOP to SMS messages, send HELP for help, or follow unsubscribe instructions in emails.

  • For questions or to withdraw consent, contact us at partners@happydebt.com.


5. Cookies and Tracking Technologies

  • Our platform uses cookies and similar tracking technologies to enhance user experience, analyze usage, and deliver relevant communications.

  • Cookies may be used to remember login details, track session activity, and collect analytics data.

  • By using our services, you consent to our use of cookies in accordance with our [Privacy Policy].

  • You can control or disable cookies through your browser settings, but this may affect some functionality.


6. Privacy

  • Your privacy is important to us. We collect, use, and protect your personal information as detailed in our [Privacy Policy].

  • We comply with all applicable U.S. federal and state data protection laws.

  • We do not sell your personal information to third parties.


7. User Obligations

  • You must provide accurate and truthful information about your contacts and appointments.

  • You are responsible for ensuring that all parties involved in scheduled meetings are properly informed and prepared.

  • We are not responsible for any missed meetings, lost opportunities, or damages resulting from user error, lack of preparation, or inaccurate data.


8. Intellectual Property

  • All content, software, trademarks, logos, and materials on HappyDebt are owned or licensed by us.

  • You agree not to copy, distribute, modify, or create derivative works without prior written consent.


9. Limitation of Liability

  • HappyDebt provides services “as is” without warranties of any kind.

  • We do not guarantee results or uninterrupted service.

  • We are not liable for damages, including lost profits or data, resulting from your use or inability to use the platform.


10. Indemnification

You agree to indemnify and hold harmless HappyDebt and its affiliates from claims, losses, liabilities, damages, costs, and expenses arising from your violation of these Terms or misuse of the platform.

11. Changes to Terms

We may update these Terms at any time. Updates will be posted on this page and effective immediately. Continued use of the platform constitutes acceptance of the updated Terms.

12. Termination

We may suspend or terminate your account or access at any time for violations of these Terms or other reasons, without prior notice.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, USA. Any disputes will be resolved exclusively in the state or federal courts located in Florida.

14. Contact Us

For any questions about these Terms or our services, please contact us at: partners@happydebt.com