Terms and Conditions

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

AGREEMENT BETWEEN USER AND WORTHY — PLEASE READ

Agreement notice

THE TERMS AND CONDITIONS SET FORTH BELOW (THE “TERMS”) GOVERN YOUR USE OF THIS WEBSITE (https://askworthy.ai/) ON THE WORLD WIDE WEB (THE “SITE”) OF AND ARE LEGALLY BINDING ON YOU. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THE SITE. YOUR USE OF THE SITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW.

Forward Technology, Inc. (DBA "Worthy") is a technology platform that provides debt settlement services, credit-monitoring, and educational debt-coaching. Worthy is not a law firm, credit repair organization or financial advisor. By accessing or using Worthy, you agree to these Terms of Service (this "Agreement"). We may update or modify this Agreement from time to time, and we encourage you to review it regularly. The terms of this Agreement do not supersede any provisions of separate contracts between you and Worthy such as a debt settlement services agreement.

Worthy provides online users with access to its content, resources, and other services through its network of websites, “The Service”. Worthy provides its service to the user, subject to the following Agreement.

Worthy is not responsible for providing you access facilities or equipment (in any form) to its service. You also understand and agree that the Service may include advertisements and sponsorships and that these are necessary for Worthy to provide the Service. You also understand and agree that Worthy makes no assertion about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within the Service for any purpose. The Service is provided “as is” without warranty of any kind. Worthy hereby disclaims all warranties and conditions with regard to the Service.

Who Can Use Worthy

This website and our services are only available to those individuals who are 18 years of age or older and who live in the United States. If you are younger than 18 years old and/or live outside of the United States, please leave this website.

Privacy

To understand how we handle your personal information and the choices available to you, please review Worthy's Online Privacy Policy and U.S. Consumer Privacy Notice.

ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

The Service is provided to you under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by Worthy as part of the Terms and related disclosures which are cumulatively included herein by reference.

License

Worthy grants you a limited, revocable, non-transferable license to use Worthy solely for your personal, non-commercial purposes. All rights not expressly granted are reserved. We may modify or revoke this license at any time and may limit or restrict access to the Service at any time based on geography, system capacity, regulatory requirements, or business considerations. You agree not to:

use Worthy for any unlawful, fraudulent, or unauthorized purpose;
misrepresent your identity or provide inaccurate information;
decompile, reverse engineer, modify, or create derivative works from Worthy's software, tools, or data;
use robots, scrapers, or automated means to access Worthy;
copy, distribute, sell, resell, or commercially exploit any portion of Worthy;
interfere with or disrupt Worthy's systems, servers, or networks

Third Party Content & Links

Worthy may display, link to, or provide access to third-party products, services, websites, offers, or content ("Third-Party Content"). Third-Party Content is provided solely for your convenience and may include affiliate, sponsored, or referral offers. Worthy does not control, endorse, guarantee, or assume responsibility for any Third-Party Content, including its accuracy, terms, privacy practices, or quality.

Your interactions with any third party—including any purchase, enrollment, data sharing, or dispute—are solely between you and that third party. You agree that Worthy is not responsible or liable for any loss, injury, or damage of any kind incurred as a result of your dealings with third parties.

Before engaging with any Third-Party Content, you should review that party's applicable terms, disclosures, and privacy policies.

By providing your phone number and using our services, you expressly consent to receive automated and manually-sent text messages (SMS and MMS) from Worthy (Forward Technology, Inc.) at the phone number you provide. These messages may include:

One-time verification codes for account authentication
Account alerts and security notifications
Updates about your credit profile and debt negotiation status
Service announcements and product updates

Message frequency varies based on your account activity. Message and data rates may apply. Your carrier's standard messaging rates apply.

You may opt out of non-essential SMS communications at any time by replying STOP to any message. Note that opting out of SMS may prevent you from receiving verification codes needed to access your account. Consent to receive text messages is not a condition of purchasing any goods or services from Worthy.

For help, reply HELP to any message or contact us at help@askworthy.ai.

Supported carriers include but are not limited to AT&T, Verizon, T-Mobile, and Sprint. Carriers are not liable for delayed or undelivered messages.

General Electronic Communications

From time to time, we may also send alerts or other communications through push notifications, email, or other available channels. By use of our services you expressly consent to these and other electronic communication channels. You are responsible for keeping your contact information with us accurate and up to date. If you do not regularly engage with communications from us, you may experience reduced or discontinued alert delivery.

Security

For your protection, we recommend using a current web browser that supports modern encryption standards to ensure a secure connection when accessing Worthy. Outdated browsers or devices may not support the level of security necessary to protect your information.

You are solely responsible for maintaining the confidentiality of your Worthy login credentials, including your username and password. Do not share your credentials with anyone. If you believe that someone else may have gained access to your account information, you should immediately update your password and/or terminate your enrollment.

Intellectual Property Rights

All content, features, tools, software, analytics, visual interfaces, graphics, logos, trademarks, trade names, educational materials, and other intellectual property displayed or made available through Worthy ("Worthy Content") are owned by Worthy or its licensors and are protected by copyright, trademark, and other intellectual property laws.

As such, you may not:

copy, distribute, sublicense, publish, or create derivative works of Worthy Content;
remove or obscure proprietary notices;
access Worthy to build a competitive product or service;
use Worthy's trademarks or branding without prior written consent.

All rights not expressly granted are reserved.

Copyright Infringement Policy

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), Worthy will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

Worthy’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims

Anish Basu
Forward Technology, Inc. DBA Worthy
18 West 18th Street
6th Floor
New York, NY 10011-4652
Phone: +1 (754) 273-8381
Email: anish@askworthy.ai

Educational Tools, Coaching Features, and Score Simulators

Worthy may provide coaching features, educational tools, calculators, predictive models, decision-support tools, score simulators, and similar features ("Tools"). These Tools are illustrative and informational only.

You understand and agree that:

Tool outputs are estimates based on limited data and assumptions;
Tool results are not guarantees of any future score, approval decision, or financial outcome;
Worthy does not provide legal, financial, credit-repair, tax, or professional advice;
You should consult qualified professionals before making financial decisions.

Worthy is not responsible for any actions you take (or do not take) based on use of the Tools.

Community & User Generated Content

Worthy may offer forums, discussion spaces, review areas, coaching communities, or other interactive features where users may post content ("User Content"). If you choose to submit User Content, you agree that:

You grant Worthy a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, copy, reproduce, modify, publish, translate, distribute, and display your User Content in connection with operating and improving Worthy.
You are solely responsible for your User Content and represent that it does not violate any laws, infringe any rights, or contain confidential information of others.
You will not post content that is unlawful, abusive, defamatory, misleading, discriminatory, harassing, fraudulent, or otherwise inappropriate.
Worthy may moderate, remove, or restrict User Content at any time, but Worthy has no obligation to monitor User Content.
Worthy does not endorse or guarantee the accuracy of any User Content posted by others.
Your participation in any community feature is voluntary and undertaken at your own risk.

Worthy may suspend or terminate access to community features for conduct that violates these terms or threatens the safety or integrity of the community.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL WORTHY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY—INCLUDING, WITHOUT LIMITATION, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY—ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF WORTHY, EVEN IF WORTHY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OF GOODWILL, BUSINESS INTERRUPTION, LOSS OF DATA, COST OF SUBSTITUTE GOODS OR SERVICES, STATUTORY DAMAGES, OR OTHER INTANGIBLE LOSSES.

Disclaimer of Warranty

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF WORTHY IS AT YOUR SOLE RISK. WORTHY IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WORTHY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WORTHY OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE IN THIS AGREEMENT.

Indemnification

You agree to indemnify, defend, and hold harmless Worthy, its affiliates and subsidiaries, and their respective officers, directors, employees, agents, successors, and assigns from and against any and all losses, liabilities, damages, costs, claims, and demands (including reasonable attorneys' fees) arising out of or relating to:

your breach of this Agreement;
your use or misuse of Worthy;
any allegation that your use of Worthy violates applicable law; or
any claim resulting from your negligent acts or omissions.

Your obligations under this Section will survive termination or expiration of this Agreement and/or your use of Worthy. You agree to cooperate fully and reasonably in the defense of any claim subject to this Section.

Worthy reserves the right, at its own expense, to assume exclusive control over the defense and settlement of any matter otherwise subject to indemnification by you. You acknowledge that improper or unauthorized use of Worthy may cause irreparable harm, and Worthy may seek equitable relief in addition to other available remedies.

No Waiver

If Worthy does not enforce any right or remedy under this Agreement, such inaction does not constitute a waiver. Any waiver is effective only if expressly stated in a signed written document.

Remedies and Injunctive Relief

We may use any remedies available under applicable law in addition to the remedies described in these terms. You agree that Worthy may seek injunctive or similar urgent equitable relief regarding any matter arising out of this Agreement, in addition to any other legal remedies available.

Severability

If any provision of these Terms is determined to be unlawful or unenforceable, that provision will be deemed automatically revised to the minimum extent necessary to comply with applicable law while preserving our original intent as closely as possible. The remaining provisions will continue in full force.

Survival

Any provisions of this Agreement that by their nature should survive termination will continue to apply even after your Worthy service ends.

Third-Party Beneficiaries

You and Worthy (including Worthy's affiliates and related companies) may enforce rights under these Terms. No other person or entity is intended to be, nor shall be deemed to be, a third-party beneficiary of this Agreement.

Assignment

Worthy may assign or transfer its rights under this Agreement to another party. You may not assign or transfer your rights or obligations under this Agreement.

Governing Law; Jurisdiction and Venue

These terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to any choice-of-law rules that might direct the application of another jurisdiction's laws. To the maximum extent permitted under applicable law, these terms will not be subject to the Uniform Computer Information Transactions Act as enacted or amended in any jurisdiction.

You irrevocably and unconditionally submit to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for any dispute arising out of or relating to this Agreement.

Dispute Resolution; Binding Arbitration; Class Action Waiver

HOW WE AGREE TO RESOLVE DISPUTES—MANDATORY ARBITRATION OF ALL CLAIMS AND DISPUTES: THIS SECTION PROVIDES IMPORTANT INFORMATION ABOUT BINDING ARBITRATION. UNLESS YOU OPT-OUT OF THIS ARBITRATION AGREEMENT BY E-MAILING contact@askworthy.ai WITHIN 30 DAYS OF FIRST VISITING THE WEBSITE, YOU AND WE SHALL BE BOUND BY THIS BINDING AGREEMENT TO ARBITRATE ANY CLAIMS, AND GIVE UP ALL RIGHTS TO SEEK RELIEF IN THE COURTS EXCEPT AS PROVIDED HEREIN TO ENFORCE ANY ARBITRATION AWARD. This Agreement shall be governed by the laws of the State of Delaware, and any Conflict of Law provisions thereunder. In the event of any controversy, claim, or dispute between the parties arising out of or relating to this Agreement, the parties agree to resolve all issues solely through the use of binding Arbitration, governed by the rules of the JAMS pursuant to the Federal Arbitration Act. Any such Arbitration shall take place within Delaware or at such other location as the parties may agree, including virtually, and shall be conducted by a mutually agreed upon Arbitrator. The arbitrator shall be neutral, independent, and shall comply with the JAMS code of ethics. The arbitrator or arbitration panel shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, applicability, enforceability, conscionability or formation of this Agreement and of this arbitration requirement. The award rendered by the Arbitrator shall be final, binding on all parties, but subject to review in accordance with applicable statutes, rules and regulations governing arbitration awards. Judgment on the award made by the Arbitrator may be entered into any court having jurisdiction over the parties. If either party fails to comply with the Arbitrator’s award, the injured party may petition a court with jurisdiction for enforcement. The parties further agree that either party may bring claims against the other only in his/her, or its individual capacity and not as a Plaintiff or class member in any purported class action or representative proceeding. Further, the parties agree that the Arbitrator may not consolidate proceedings of more than one person’s claims, and may not otherwise preside over any form of representative or class proceeding. Payment of all filing, administration and arbitrator fees will be governed by JAMS’s rules. In the event that a party fails to proceed with Arbitration, unsuccessfully challenges the Arbitrator’s award, or fails to comply with the Arbitrator’s award, the other party shall be entitled to costs of suit, including reasonable attorneys’ fees for having to compel Arbitration or defend or enforce the award. This section and the arbitration requirement shall survive termination of Services or the Agreement.