Please read this important notice regarding our business model. This disclaimer clarifies our role as a marketing and lead generation platform and explains the limits of our liability regarding the third-party services offered through our website.
1. Non-Lender & Marketing Entity Status
The operator of this website, KOVA DYNAMICS, S.L., is not a bank, lender, debt relief provider, settlement company, or financial adviser, and does not provide financial products or financial advice of any sort, engage in debt negotiation, or make credit decisions.
The Debtier website provides a marketing platform consumers may use to provide information for referral to our network of third-party debt relief agencies and settlement companies (each a “Network Partner” and collectively the “Network Partners”) that may be able to offer debt management or relief solutions.
KOVA DYNAMICS, S.L. receives compensation from Network Partners for marketing and lead generation services provided but is not a broker, representative, or agent for any Network Partner. All program enrollment decisions, if any, are determined by the Network Partners in their sole discretion.
2. No Solicitation or Guarantee
This website does not constitute a solicitation or offer for debt relief programs or financial products, and there is no guarantee that any debt relief solution will be provided through the Debtier platform. By using this website, you agree to our Terms of Service and Privacy Policy.
3. Data Transmission & Eligibility
By submitting your assessment form, you authorize Debtier to transmit the data provided to Network Partners for the purpose of evaluating your eligibility for their programs in accordance with their internal procedures. We do not run credit checks. Each Network Partner has its own terms and conditions and privacy policy; please review these policies directly with them for more information.
4. Third-Party Program Terms
Debtier does not have access to the full terms of any debt relief program that may be offered by a Network Partner, including potential savings, fees, or program duration.
If you have any questions about the details of a program, you should contact the Network Partner directly. Only the Network Partner can provide you with information about the specific terms of your debt relief plan, including any fees, timelines, requirements, and the implications of debt settlement on your credit.
DEBTIER © 2026
KOVA DYNAMICS, S.L.
