Terms & Conditions for Hikaru Services (HS Debt Support)

3/15/25

1. Introduction

Welcome to Hikaru Services (HS Debt Support). These Terms & Conditions govern your use of our services, including our website, communications, and SMS messages. By accessing or using our services, you agree to comply with these terms. If you do not agree, please do not use our services.

2. Services Provided

HS Debt Support offers debt relief, credit counseling, and financial negotiation services in compliance with federal and state regulations, including the Fair Debt Collection Practices Act (FDCPA), Telemarketing Sales Rule (TSR), and Consumer Financial Protection Bureau (CFPB) guidelines. We do not provide legal, tax, or financial advisory services. Our services are strictly limited to assisting clients in negotiating and managing unsecured debts with creditors. We do not offer bankruptcy assistance or debt consolidation loans.

3. Eligibility

By using our services, you confirm that you:

  • Are at least 18 years old or of legal age in your jurisdiction.

  • Are legally capable of entering into contracts.

  • Will use our services only for lawful purposes.

  • Acknowledge that services are intended for U.S. residents only, and legal restrictions may apply in certain states.

  • Have provided accurate and truthful information regarding your financial situation.

4. SMS Messaging Terms

A. Consent & Opt-In

By providing your phone number, you consent to receive non-marketing, service-related SMS messages regarding your debt relief process. Consent is not required as a condition of service and can be revoked at any time.

  • Types of SMS Messages Sent:

    • Account Notifications: Updates on service status, document requests, and program changes.

    • Payment Reminders: Alerts regarding upcoming or missed payments to keep clients on track.

    • Appointment Confirmations: Reminders for scheduled consultations and meetings with debt specialists.

    • Customer Support Assistance: Responses to inquiries when HELP is requested.

    • Regulatory Disclosures: Notifications regarding changes to terms, privacy policies, or compliance-related matters.

B. Opt-Out

You may opt out of SMS messages at any time by replying STOP. Upon opting out, you will receive a final confirmation message, and no further texts will be sent.

C. Message Frequency & Fees

  • Message frequency varies based on account status and communication needs, but we strive to minimize excessive messaging.

  • Standard message and data rates may apply based on your mobile carrier plan.

D. HELP & Customer Support

To receive assistance, reply HELP or contact:

  • Email: info@hikaruservices.com

  • Phone: +1 (949) 805-0521

  • Website: HikaruServices.com

5. Privacy & Data Security

Your personal data, including SMS consent and communications, is securely stored and protected. We adhere to strict data privacy laws, including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), and General Data Protection Regulation (GDPR) where applicable.

  • We do not sell, share, or distribute personal data, including phone numbers, for marketing purposes.

  • Data is only shared with service providers assisting in debt relief negotiations under strict confidentiality agreements.

  • We use encryption and secure server protocols to protect sensitive client information.

  • To review how your personal information is handled, please refer to our [Privacy Policy].

6. Use of Website & Digital Platforms

A. Prohibited Uses

You agree not to:

  • Use the website or services for fraudulent, illegal, or unauthorized purposes.

  • Interfere with the operation of the website, including attempts to hack, overload, or disrupt services.

  • Provide false or misleading information when signing up for services.

  • Share login credentials or allow unauthorized access to client portals.

  • Use automated systems (e.g., bots, scrapers) to collect information from our website.

B. Intellectual Property

  • All content, trademarks, logos, and materials on this website are owned or licensed by Hikaru Services.

  • Unauthorized reproduction, copying, or modification of website content is strictly prohibited.

7. Limitations of Liability

HS Debt Support is not liable for any damages arising from service disruptions, data breaches, third-party actions beyond our control, or any reliance on information provided through our website. SMS delivery is dependent on carrier networks and cannot be guaranteed.

  • We do not guarantee specific financial outcomes through our debt relief services.

  • We are not responsible for third-party payment processing delays or technical failures.

  • Clients must provide accurate financial information to ensure effective service.

  • We are not responsible for any legal or financial consequences resulting from a client’s decision to enroll in our services.

8. Dispute Resolution & Governing Law

  • Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA).

  • These Terms & Conditions are governed by the laws of Arizona, without regard to conflicts of law principles.

  • Clients agree to waive class action lawsuits and pursue disputes individually through arbitration.

9. Indemnification

You agree to indemnify and hold Hikaru Services and its affiliates, employees, and agents harmless from any claims, liabilities, damages, or legal fees arising from:

  • Your use of our services.

  • Any violation of these Terms.

  • Any misrepresentation of financial status provided to our team.

  • Unauthorized use of the services or website content.

10. Changes to Terms

We may update these Terms & Conditions periodically. If changes occur, we will notify users by posting updates on our website. Continued use of our services constitutes acceptance of any changes.

For any questions, contact us at: Hikaru Services (HS Debt Support)

  • Email: info@hikaruservices.com

  • Phone: +1 (949) 805-0521

  • Website: HikaruServices.com