Terms of Service

Last Updated: 4/13/2026

1. Acceptance of Terms

By accessing and using the website of Cogent Debt Relief ("Company," "we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.

2. Services Description

Cogent Debt Relief provides business debt restructuring and consulting services. The information provided on this website is for general informational purposes only and does not constitute legal or financial advice. We are not a law firm, and our services are not a substitute for the advice of an attorney.

3. Use of Website

You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our website.

4. Intellectual Property

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Site are protected under applicable copyrights, trademarks, and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use, or publication by you of any such matters or any part of the Site is strictly prohibited.

5. Disclaimer of Warranties

The materials on Cogent Debt Relief's website are provided on an 'as is' basis. Cogent Debt Relief makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

6. Limitation of Liability

In no event shall Cogent Debt Relief or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Cogent Debt Relief's website, even if Cogent Debt Relief or a Cogent Debt Relief authorized representative has been notified orally or in writing of the possibility of such damage.

7. Governing Law

Any claim relating to Cogent Debt Relief's website shall be governed by the laws of the State of Massachusetts without regard to its conflict of law provisions.

8. Contact Information

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

Cogent Debt Relief
30 N Gould St Ste N, Sheridan, WY 82801
+1 (424) 514-4767