IMPORTANT: PLEASE READ CAREFULLY
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.
No Guarantee of Approval or Results
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.
Risk of Credit Application
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.
Accuracy of Information & Client Responsibility
The recommendations and plans provided in your report are based directly and exclusively on the information you provide in your intake form (including, but not limited to, your stated credit range, income, and debt balances). You are responsible for providing complete, accurate, and truthful information. Inaccurate, incomplete, or misleading information provided by you will negatively impact the quality and suitability of our recommendations and may render the report's strategy ineffective. The Company is not liable for any poor outcomes resulting from inaccurate data provided by the client.
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 The Company is not liable for any discrepancies or outdated information.
Testimonials and Past Results
Any testimonials, case studies, or examples of past client results are for illustrative purposes only. They are not typical and do not represent a guarantee or promise of your future results or success.
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.