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1. Not Financial Advice KOPAN Enterprises, Inc., dba Debt-Reduce.com, and its owners and employees are not registered financial advisors, investment advisors, brokers, CPAs, or attorneys. The information provided in your report and through any coaching services is for informational and educational purposes only. It is not, and should not be considered, legal, tax, or personalized financial advice. All financial decisions are your sole responsibility. We recommend you consult with a qualified financial or legal professional before making any financial decisions.
2. No Guarantee of Approval The Company makes no representations, warranties, or guarantees that you will be approved for any credit product (including 0% APR cards or loans) mentioned in your report. All lending decisions are made at the sole discretion of the financial institutions (lenders). The Company has no control over the underwriting or approval process of any lender.
3. Risk of Credit Inquiries You understand and acknowledge that applying for credit can result in one or more "hard inquiries" on your credit report, which may temporarily lower your credit score. The Company is not responsible or liable for any application denials, changes to your credit score, or any other consequences arising from your decision to apply for credit.
4. Accuracy of Client Information The recommendations and plans provided in your report are based directly and exclusively on the information you provide in your intake form.
You are responsible for providing complete, accurate, and truthful information.
Inaccurate or misleading input will negatively impact the quality of our recommendations and may render the strategy ineffective.
The Company is not liable for poor outcomes resulting from inaccurate data provided by the client.
5. Third-Party Offer Details We strive to provide accurate and up-to-date information. However, financial product details—including interest rates (APRs), fees, terms, and sign-up bonuses—change frequently and without notice. It is your sole responsibility to review and verify all offer details on the financial institution's official website before you apply. The Company is not liable for any discrepancies or outdated information.
6. Limitation of Liability By purchasing a report or service, you agree that the Company's total liability to you for any and all claims, losses, or damages shall not, under any circumstances, exceed the total amount you paid to the Company for the service from which the claim arose.