Terms of Use

2. Attorney Advertising; No Legal Advice

ATTORNEY ADVERTISING. The Site is an advertisement for legal services. Its content and automated tools provide general information only and are not legal, financial, tax, or credit advice. Do not act or refrain from acting solely because of information on the Site.

Eligibility, available options, creditor decisions, court rulings, debt reductions, credit outcomes, and timing depend on individual facts and applicable law. No result is promised or guaranteed.

3. No Attorney-Client Relationship

Visiting the Site, using Zeno, submitting information, or communicating with the Firm does not create an attorney-client relationship. A relationship begins only after the client and the Firm sign a written engagement agreement.

Until then, do not send confidential documents or time-sensitive information, and do not assume that the Firm is monitoring a deadline, has accepted your matter, or will take action for you.

4. Services, Referrals, and Co-Counsel

The Firm may evaluate matters involving debt negotiation, consumer bankruptcy, credit reporting, or related consumer financial issues. Depending on the subject and location, a matter may be handled by the Firm, jointly with appropriately licensed co-counsel, or referred to an independent partner firm.

No firm is required to accept a submission. Any fee division or referral arrangement will be disclosed and approved as required by applicable professional rules and will not, by itself, increase the total fee charged to a client.

5. Submissions and Electronic Contact

Information you submit must be truthful, accurate, and complete. You authorize us and, when relevant to evaluating your inquiry, a receiving partner firm to contact you by the methods you request. Promotional email may be stopped through an unsubscribe mechanism or by contacting us.

You agree that Site-related notices may be delivered electronically and that electronic communications satisfy legal requirements for written communications where permitted. Marketing consent is optional and is not a condition of a consultation or legal services.

6. Text Messaging and Automated Calls

If you separately opt in, the Firm may send informational and marketing calls or text messages, including through automated technology, an automatic telephone dialing system, or prerecorded or artificial voice. Message frequency varies and message and data rates may apply.

Reply STOP to end texts and HELP for assistance. The program is governed by the SMS Terms. Opting out of marketing does not prevent non-marketing communications that are otherwise permitted and necessary for an active inquiry or engagement.

7. Adults Only

The Site is intended for people age 18 or older. Do not use the Site or submit information if you are under 18.

8. Intellectual Property

The Site and its text, graphics, logos, designs, software, and other content are owned by or licensed to the Firm and may be protected by intellectual-property laws. You may view and print content for personal, noncommercial use. Other reproduction, distribution, modification, scraping, or exploitation requires permission or an applicable legal right.

9. Acceptable Use

Do not submit false or unlawful information, impersonate another person, interfere with the Site's security or operation, attempt unauthorized access, introduce malicious code, harvest information, or use automated means in a way that burdens or disrupts the Site. We may restrict access for misuse.

10. Privacy and Third-Party Links

Our collection and handling of personal information is described in the Privacy Policy. Third-party links and services are provided for convenience; we do not control and are not responsible for their content, availability, security, or practices. A link does not imply endorsement.

11. Jurisdictional Issues

The Site is operated from the United States and is intended for U.S. residents. Legal services are provided only where authorized. Matters requiring counsel in another jurisdiction will be referred to or handled with appropriately licensed attorneys. Nothing on the Site is an offer to represent anyone where doing so would be improper.

12. Site Disclaimers

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR ANY OTHER EXPRESS OR IMPLIED WARRANTY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, CURRENT, OR COMPLETE.

13. Limitation of Liability and Indemnification

To the fullest extent permitted by law, the Firm and its partners, attorneys, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the Site. These limits do not reduce any duty owed to a client under a signed engagement agreement or applicable professional rules.

You agree to indemnify the Firm from claims, losses, and reasonable expenses arising from your unlawful misuse of the Site or material violation of these Terms. Some jurisdictions do not permit certain limitations, so they may not apply to you.

14. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. Except for a claim eligible for individual small-claims court and disputes governed by a signed engagement agreement, you and the Firm agree to resolve any dispute arising from these Terms or Site use through final, binding, individual arbitration administered by JAMS under its applicable consumer rules. The Federal Arbitration Act governs this provision.

YOU AND THE FIRM WAIVE A JURY TRIAL AND PARTICIPATION IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. Arbitration may occur in your county, by video, or through written submissions as the rules permit. The Firm will pay arbitration fees where required by applicable consumer rules or law.

You may opt out by emailing info@zerodebtlegal.com with the subject “Arbitration Opt-Out” or mailing the Firm within 30 days after first accepting these Terms. Include your name, the email address or phone number used on the Site, and a clear statement that you opt out. If part of this section is unenforceable, it will be severed to the minimum extent necessary.

15. Governing Law, Changes, and Contact

California law governs these Terms without regard to conflict-of-law rules. Subject to the arbitration section, judicial proceedings must be brought in state or federal courts in Los Angeles County, California. We may revise these Terms by posting an updated version. These Terms, the Privacy Policy, SMS Terms, and Disclaimer are the entire agreement concerning Site use; an engagement agreement separately governs legal representation.

Knight Law Group, LLP, 10250 Constellation Blvd., Suite 2500, Los Angeles, CA 90067. Phone: +1 (213) 497-5851. Email: info@zerodebtlegal.com.