Prove It Toolkit

Terms of Service

Last Updated: December 2025

Agreement to Terms

By using Prove It Toolkit ("the Service"), users agree to be bound by these Terms of Service. Users who do not agree to these terms should not use the Service.

Service Description

Prove It Toolkit is a financial emergency routing platform that:

  • Helps users identify their financial emergency category
  • Routes users to appropriate third-party service providers
  • Provides educational resources about financial options
  • Links to state court resources for legal forms
  • May offer debt defense document kits (subject to separate purchase terms)

Not Legal or Financial Advice

IMPORTANT: Prove It Toolkit is NOT a law firm, financial advisor, or credit counseling service.

  • The information provided is for educational purposes only
  • We do not provide legal, financial, or tax advice
  • Using this Service does not create an attorney-client or advisor-client relationship
  • Users are responsible for evaluating which services (if any) are appropriate for their situation
  • Individuals needing legal or financial advice should consult a licensed professional in their state

Third-Party Services

Prove It Toolkit connects users with third-party service providers including:

  • Credit repair companies
  • Debt relief and settlement services
  • Loan marketplaces
  • Identity theft protection providers
  • Secured credit card issuers
  • Bankruptcy attorneys and legal matching services

We do not control, endorse, or guarantee the services provided by these third parties. Each partner has their own terms of service, privacy policy, and business practices. Users agree to review and accept partner terms before using their services.

Affiliate Disclosure

Prove It Toolkit may earn commissions or referral fees when users access services from partner companies. These affiliate relationships do not affect the price paid or the quality of service received. We strive to partner only with reputable companies, but make no guarantees about their services.

No Guarantees or Warranties

We make NO guarantees that using the Service or partner services will:

  • Stop lawsuits or debt collection activities
  • Result in debt being reduced, settled, or dismissed
  • Improve credit scores
  • Qualify users for loans or credit
  • Prevent bankruptcy or financial hardship
  • Produce any specific outcome or result

Every financial situation is unique. Results depend on many factors including specific circumstances, the actions taken, and the services chosen.

User Responsibilities

Users are responsible for:

  • Accurately assessing their financial emergency category
  • Reviewing the terms and conditions of any partner service before proceeding
  • Making informed decisions about which services to use
  • Complying with all applicable laws and regulations
  • Consulting licensed professionals (attorneys, CPAs, etc.) as needed
  • Understanding that clicking through to partners may result in information being shared with them

State Court Resources

We provide links to official state court websites for convenience. These are public resources and we make no guarantees about:

  • The accuracy or currentness of court forms
  • Whether a particular form is appropriate for specific situations
  • How to properly complete or file court documents

Individuals involved in legal proceedings should consult a licensed professional in their jurisdiction.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROVE IT TOOLKIT SHALL NOT BE LIABLE FOR ANY:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or use arising from use of the Service
  • Damages resulting from lawsuits, debt collection, bankruptcy, or other financial or legal proceedings
  • Damages resulting from services provided by third-party partners
  • Damages from inaccurate information, system errors, or service interruptions

Prove It Toolkit's total liability for any claims shall not exceed $100.

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability or fitness for a particular purpose
  • Warranties that the Service will achieve any specific result
  • Warranties of accuracy, completeness, or reliability
  • Warranties that the Service will be uninterrupted or error-free

Indemnification

Users agree to indemnify and hold Prove It Toolkit harmless from any claims, damages, or expenses arising from use of the Service or violation of these Terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Changes to Terms

We may update these Terms of Service from time to time. Users will be notified of any changes by posting the new Terms on this page and updating the "Last Updated" date. Continued use of the Service after such changes constitutes acceptance of the new Terms.

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.

Contact Us

Questions about these Terms of Service should be directed to:

The contact page provides additional contact options.