Terms of Use

Effective Date: October 12, 2025
Last Updated: October 12, 2025

Welcome to DebtFreeLily.com (“we,” “us,” “our,” or “the Site”).
By accessing or using this website, you agree to comply with these Terms of Use, our Privacy Policy, Affiliate Disclosure, and Disclaimer.
If you do not agree with these terms, please stop using the Site immediately.

1. Acceptance of Terms

By visiting or using DebtFreeLily.com, you confirm that:

You are at least 18 years old or have legal parental consent.
You agree to use this website for lawful purposes only.
You accept that all information and services are provided “as is” and without warranties.

We reserve the right to update or modify these Terms at any time.
Any changes will be reflected with a new “Last Updated” date above.

2. Intellectual Property Rights

All content on this site including text, images, graphics, logos, videos, downloads, and designs is the intellectual property of DebtFreeLily.com unless otherwise stated.

You may:

Share short excerpts or quotes, provided you include a clear credit and link back to DebtFreeLily.com

You may not:

Copy, reproduce, or republish full articles, guides, or downloadable materials without written permission.
Sell or redistribute our content as your own.

Violating these terms may result in legal action under copyright law.

3. User Responsibilities

When using DebtFreeLily.com, you agree to:

Use the site only for lawful, educational, or informational purposes.
Avoid posting or transmitting harmful, offensive, or illegal content.
Not attempt to hack, damage, or interfere with the website’s operation.

We reserve the right to restrict or terminate access to users who violate these rules.

4. Affiliate Links and Partnerships

DebtFreeLily.com contains affiliate links.
When you click and purchase through those links, we may earn a commission at no extra cost to you.

We only recommend products and services that we genuinely trust and believe are useful for our audience.
See our Affiliate Disclosure for full details.

5. Financial and Educational Disclaimer

All content on this site is for informational and educational purposes only.
We are not financial advisors, and nothing on this site constitutes professional financial or investment advice.
Always do your own research and consult a qualified advisor before making financial decisions.
See our full Disclaimer for details.

6. Limitation of Liability

Under no circumstances shall DebtFreeLily.com, its owner, or contributors be liable for:

Any direct, indirect, incidental, or consequential damages,
Data loss or interruption,
Financial losses resulting from your use of this website or reliance on its content.

You agree to use this site at your own risk.

7. External Links

DebtFreeLily.com may contain links to third-party websites.
We do not control or endorse the content or policies of external sites and are not responsible for their actions, services, or results.
Visiting any third-party site is at your own discretion and risk.

8. Indemnification

You agree to defend, indemnify, and hold harmless DebtFreeLily.com, its owner, affiliates, and contributors from any claims, damages, or losses arising from:

Your use or misuse of the site,
Violation of these Terms, or
Infringement of intellectual property or rights of any third party.

9. Termination of Access

We reserve the right to suspend or terminate your access to DebtFreeLily.com without notice if we believe you’ve violated these Terms or engaged in harmful behavior.
All restrictions and disclaimers will survive termination.

10. Governing Law

These Terms shall be governed by and interpreted under the laws of Canada and, where applicable, the Province of Alberta, without regard to conflict of law principles.