Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Collection Kings ("Company," "we," "us," or "our") concerning your access to and use of the collectionkings.com website and any related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.

2. Services Description

Collection Kings provides:

• Commercial debt collection services
• Education and training programs for debt collectors
• Ethical collection strategies and best practices
• Resources and tools for the collection industry
• Consulting services related to debt collection

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into these Terms
• Not be prohibited from using our Services under applicable laws
• Provide accurate and complete information when requested

If you are using our Services on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

4. User Accounts

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activities.

5. Collection Services Agreement

5.1 Client Responsibilities

If you engage our collection services, you agree to:

• Provide accurate and complete information about debts
• Verify that debts are legally valid and collectible
• Comply with all applicable debt collection laws and regulations
• Indemnify us against claims arising from inaccurate or fraudulent debt information

5.2 Our Collection Practices

We commit to:

• Comply with the Fair Debt Collection Practices Act (FDCPA)
• Follow all federal, state, and local regulations
• Treat debtors with respect and professionalism
• Provide transparent communication throughout the collection process
• Use ethical and psychology-informed collection strategies

5.3 Fees and Payment

Collection service fees will be specified in your service agreement. Standard terms include:

• Contingency-based fees (percentage of amounts collected)
• Flat fees for specific services
• Monthly retainer arrangements (for ongoing services)

All fees must be paid according to the terms specified in your service agreement.

6. Educational Content and Training

6.1 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials for your personal or internal business use only.

6.2 Restrictions

You may not:

• Reproduce, distribute, or sell our educational materials without permission
• Remove copyright or proprietary notices from materials
• Use materials for unauthorized training or commercial purposes
• Share login credentials for paid training programs

6.3 No Professional Certification

Our training programs provide education and best practices but do not constitute professional certification or licensing. You are responsible for obtaining any required licenses or certifications in your jurisdiction.

7. Intellectual Property Rights

All content on our website and in our Services, including text, graphics, logos, images, software, and educational materials, is the property of Collection Kings or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or exploit any content without our express written permission.

8. Prohibited Uses

You agree not to use our Services to:

• Violate any laws or regulations
• Engage in fraudulent or deceptive practices
• Harass, abuse, or harm others
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt our Services
• Attempt unauthorized access to our systems
• Collect personal information from other users without consent
• Use automated systems (bots, scrapers) without permission

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• Our Services will be uninterrupted, timely, secure, or error-free
• The results obtained from our Services will be accurate or reliable
• Any errors in our Services will be corrected
• Debt collection efforts will result in successful payment

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COLLECTION KINGS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

11. Indemnification

You agree to indemnify, defend, and hold harmless Collection Kings, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of our Services
• Your violation of these Terms
• Your violation of any rights of another party
• Inaccurate or fraudulent debt information you provide

12. Dispute Resolution

12.1 Informal Resolution

If you have a dispute with us, you agree to first contact us at support@collectionkings.com to attempt to resolve the dispute informally.

12.2 Arbitration Agreement

If we cannot resolve the dispute informally, you agree that any dispute will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will be conducted in [Jurisdiction], and judgment on the arbitration award may be entered in any court having jurisdiction.

12.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Termination

We may terminate or suspend your access to our Services immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• At our sole discretion

Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [State], without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of [State/County].

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of 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 revised Terms.

If you do not agree to the modified Terms, you must stop using our Services.

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Collection Kings regarding our Services and supersede all prior agreements and understandings.

18. Contact Information

For questions about these Terms, please contact us: