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Terms of use

Last updated October 23, 2026

These terms apply to your use of upnovausa.com (the “site”), operated by [Legal company name] under the name Upnova Debt Solutions (“Upnova”, “we”, “us”). By using the site you agree to them.

What we are, and are not

Upnova helps consumers understand debt and financial options and connects them with independent partner companies that provide those programs. We are not a lender, a credit repair company, a credit counseling agency or a law firm. We do not give legal, tax or accounting advice. Programs are provided by our partners under their own agreements.

No guarantee

Information on the site is general. Whether you qualify for any program, what it costs and what results you get depend on your situation and on the partner company. Results are not guaranteed. Phrases like “you may qualify” are not a promise of approval.

Calls and texts

If you give us your phone number and agree, we and the partners named in the consent may call and text you, including with automated technology and prerecorded messages, at the number you provided. Consent is not a condition of buying anything. You can withdraw consent at any time by replying STOP, telling us on a call, or using our stop calls and texts page. Message and data rates may apply. You confirm that the number you give is yours, or that you are authorized to use it.

Accurate information

Please give accurate information. Do not submit information about another person without their permission.

Acceptable use

Do not misuse the site, for example by trying to access it in ways we did not intend, sending automated requests, or interfering with its security.

Links to other websites

We may link to websites we do not control. We are not responsible for their content or practices.

Our content

The site’s text, design and logo belong to us or our licensors. Photos are used under license.

Limitation of liability

The site is provided “as is”. To the extent the law allows, we are not liable for indirect or consequential losses from using the site. Nothing in these terms limits rights you have under consumer protection laws.

Changes

We may update these terms. The date at the top shows when they last changed.

Contact

[Legal company name], [Street address, City, State ZIP]
Phone: (800) 000-0000 · Email: [email]@upnovausa.com