Terms of Service

Effective Date: April 9, 2026

1. Acceptance of Terms

By accessing alcottfinch.com (the “Site”) and utilizing our proprietary simulation tools or advisory services, you agree to be bound by these Terms of Service. If you do not agree, you must immediately cease use of the Site.

2. Nature of Services

Alcott & Finch provides strategic financial analysis and advocacy frameworks for debt restructuring. We are not a lender, a debt relief agency, or a law firm. Our services are designed to provide educational simulations and facilitate connections between qualified individuals and institutional resolution providers.

3. No Professional Advice

The content on this Site, including results from the “Institutional Restructuring Simulator,” is for informational and educational purposes only. It does not constitute legal, tax, or professional financial advice. You should consult with a qualified professional before making any significant financial decisions.

4. Accuracy of Information

While we strive for institutional-grade accuracy, Alcott & Finch does not warrant that the “Settlement Delta” projections or simulator results are 100% accurate for every individual case. Final restructuring terms are determined solely by participating creditors and third-party resolution providers.

5. Limitation of Liability

In no event shall Alcott & Finch, its directors, or its affiliates be liable for any damages (including, without limitation, damages for loss of capital or data) arising out of the use or inability to use the materials on this Site, even if an authorized representative has been notified of the possibility of such damage.

6. External Links & Third-Party Partners

This Site may contain links to third-party websites or services (including debt resolution providers). We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party entities.

7. Governing Law

These terms are governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to its conflict of law provisions.

8. Contact Information

For inquiries regarding these terms, please contact: 
Alcott & Finch Legal Department 
Email: info@alcottfinch.com

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Alcott & Finch is a strategic financial advisory firm. We are not a lender, a law firm, a debt settlement company, or a non-profit credit counseling agency. We do not provide loans, legal, or tax advice. We do not guarantee that your debts will be lowered by a specific percentage or that you will be debt-free within a specific period. Results are based on individual creditor participation and our proprietary ‘Settlement Delta’ framework. All simulations are for educational purposes. Alcott & Finch is a private firm and is not a government-sponsored program or affiliated with any government agency. All logos and trademarks are the property of their respective owners and do not imply endorsement.

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