Terms of Service.

Acceptance of terms.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," "Client") and Joco LLC, doing business as MCA Alleviation ("MCA Alleviation," "we," "us," "our"), governing your access to and use of mcaalleviation.com and any related services (collectively, the "Services").

By accessing the website, submitting a contact form, scheduling a consultation, or otherwise using the Services, you affirmatively agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Services.

Description of services.

MCA Alleviation operates as a debt placement firm. Our role is to:

• Conduct an initial intake to understand your business debt situation
• Assess whether your case is a fit for placement
• Match qualified cases with vetted third-party workout providers
• Facilitate introductions between you and the providers

We do not negotiate with funders or lenders ourselves. The substantive negotiation work — including communications with funders, contract review, settlement negotiation, and documentation of revised agreements — is performed by independent third-party providers selected through our network.

The initial review and provider matching are provided at no charge. Any fees for substantive services are charged separately by the workout provider you choose to engage and are governed by your direct agreement with that provider.

Not legal, tax, or financial advice.

Any information provided through our website, communications, or consultations is for general informational purposes only and should not be relied upon as professional advice for your specific situation. You should consult with qualified attorneys, certified public accountants, financial advisors, or other licensed professionals regarding:

• The legal implications of restructuring or settling business debt
• Tax consequences of forgiven debt or restructured obligations
• Personal-guarantee enforcement risks
• Bankruptcy options (Chapters 7, 11, or 13)
• Credit reporting impact
• Compliance with industry-specific regulations

No attorney-client, accountant-client, or fiduciary relationship is created by your use of the Services or any communications with MCA Alleviation.

Eligibility & registration.

By using the Services, you represent and warrant that:

1. You are at least 18 years of age and have the legal capacity to enter into binding agreements;
2. You are an authorized representative of the business about which you are inquiring (e.g., owner, officer, partner, or member);
3. The information you provide is accurate, complete, and not misleading;
4. You have the authority to share business and financial information with us; and
5. Your use of the Services does not violate any applicable law, regulation, or contractual obligation.

If you are submitting information on behalf of a business entity, you represent that you have authority to bind the entity to these Terms.

User conduct.

You agree not to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or business entity
• Use the Services for any illegal, harmful, or unauthorized purpose
• Interfere with or disrupt our website, servers, or networks
• Attempt to gain unauthorized access to any portion of the Services
• Use automated tools (bots, scrapers, crawlers) to access the website without permission
• Reverse engineer, decompile, or disassemble any portion of the Services
• Use the Services to transmit malware, viruses, or other harmful code
• Harass, threaten, or harm other users or our staff
• Violate any applicable federal, state, or local law

Violation of these terms may result in termination of access and may be reported to law enforcement.

Fees & payment.

Initial review

The initial intake conversation, position analysis, and provider matching are provided free of charge with no obligation to proceed.

Third-party provider fees

If you choose to engage a workout provider introduced through MCA Alleviation, you will receive a separate written engagement agreement directly from that provider. The agreement will specify:

• Provider's fee structure (flat fee, performance-based, or hybrid)
• Total estimated fees
• Payment terms and schedule
• Refund policy (if any)
• Scope of services

Provider fees vary by case complexity and approach. You retain sole authority to accept or reject any provider's engagement terms.

No fees from MCA Alleviation directly

MCA Alleviation does not charge fees to clients. We may receive referral compensation from providers in our network when a client engages them. The amount and structure of any such compensation are determined by our agreements with each provider and do not affect the fees you pay to the provider.

Third-party providers.

The workout providers introduced through MCA Alleviation are independent third parties, not employees, agents, partners, or representatives of MCA Alleviation. We do not control their methods, fees, timelines, or outcomes.

While we conduct due diligence on providers in our network, we do not warrant or guarantee:

• The quality of any specific provider's services
• Achievement of any particular outcome
• Provider responsiveness or communication
• Provider compliance with applicable laws

Any disputes you have with a provider must be resolved between you and that provider. MCA Alleviation is not party to your engagement agreement with any provider and assumes no liability for provider conduct.

Before engaging any provider, we strongly recommend that you:

1. Review the provider's written engagement agreement carefully
2. Ask for references and evidence of past results
3. Verify any professional licenses or registrations claimed
4. Consult with independent legal counsel before signing

No guarantees of outcomes.

You acknowledge and agree that:

• Restructuring or settlement of debt is inherently uncertain
• Funders are not legally required to negotiate
• The process may take longer than initially estimated
• Active workout may have credit consequences (see your provider's disclosures)
• Some funders may take adverse actions during workout (UCC notifications, account freezes, litigation)
• You may incur fees regardless of outcome, depending on the provider's fee structure

Disclaimers & warranties.

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF INFORMATION
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR ABSENCE OF VIRUSES

MCA Alleviation does not warrant that the Services will meet your requirements, that defects will be corrected, or that the Services or the servers that make them available are free of viruses or other harmful components.

You acknowledge that you use the Services at your own risk and that you are solely responsible for any decisions you make based on information obtained through the Services.

Limitation of liability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MCA ALLEVIATION, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITIES, OR GOODWILL
• LOSS OF DATA OR CONTENT
• BUSINESS INTERRUPTION
• COST OF SUBSTITUTE SERVICES

ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, OR ANY THIRD-PARTY PROVIDER ENGAGEMENT, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF MCA ALLEVIATION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL MCA ALLEVIATION'S AGGREGATE LIABILITY EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100.00) OR (B) THE AMOUNT YOU PAID DIRECTLY TO MCA ALLEVIATION IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

Indemnification.

You agree to indemnify, defend, and hold harmless MCA Alleviation, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

1. Your access to or use of the Services
2. Your violation of these Terms
3. Your violation of any applicable law or regulation
4. Your violation of any rights of any third party
5. Information you submit that is false, misleading, or that you do not have authority to share
6. Your engagement with any third-party provider introduced through our network

MCA Alleviation reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

Intellectual property.

All content on our website — including text, graphics, logos, icons, images, audio, video, software, and the compilation thereof — is the property of MCA Alleviation, its affiliates, or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Limited license

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal or business evaluation purposes, subject to these Terms. You may not:

• Reproduce, distribute, modify, or create derivative works of our content
• Use our content for commercial purposes without prior written consent
• Remove copyright, trademark, or other proprietary notices
• Use our trademarks, service marks, or trade dress without permission

Trademarks

"MCA Alleviation" and our logo are trademarks of Joco LLC. Other trademarks displayed on the Services may be the property of their respective owners. Use of any trademark without prior written consent is prohibited.

Termination.

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Abusive or threatening conduct toward our staff
• Discontinuation of the Services

Upon termination, your right to use the Services ceases immediately. Provisions that by their nature should survive termination — including disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

You may terminate your relationship with us at any time by ceasing to use the Services and requesting deletion of your information as described in our Privacy Policy.

Dispute resolution & arbitration.

Informal resolution first

Before initiating arbitration, you agree to attempt to resolve any dispute informally by contacting legal@mcaalleviation.com with a written description of the dispute. We will work in good faith to resolve the dispute within 60 days. If we cannot reach a resolution, either party may proceed to arbitration.

Binding arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

The arbitration will be conducted by a single arbitrator. The arbitration will take place in Maricopa County, Arizona, or at another mutually agreeable location, or by video conference. Judgment upon any award may be entered in any court of competent jurisdiction.

Exceptions to arbitration

The following claims are not subject to arbitration:

• Claims for injunctive or equitable relief to protect intellectual property
• Small claims court actions (where the claim qualifies)
• Claims that arbitration agreements cannot be enforced under applicable law

Costs of arbitration

Each party will bear its own costs of arbitration, except as may be required by AAA rules or as the arbitrator may award. We will pay arbitration fees to the extent required by applicable law.

Federal Arbitration Act

This arbitration provision is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and applicable federal law. The arbitrator, not any court, has exclusive authority to resolve disputes about the formation, enforceability, or scope of this arbitration provision.

Class action waiver.

If a court determines that this class action waiver is unenforceable for a particular claim or remedy, that claim or remedy must be brought in court rather than in arbitration, but all other claims must still proceed in arbitration on an individual basis.

Some jurisdictions do not permit class action waivers. If you are a resident of such a jurisdiction, this waiver may not apply to you, and that portion of these Terms is severable.

Governing law & jurisdiction.

These Terms are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict-of-laws principles. The Federal Arbitration Act governs the arbitration provisions in Section 14.

For any claim not subject to arbitration, you and MCA Alleviation consent to the exclusive jurisdiction and venue of the state and federal courts located in Maricopa County, Arizona.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

Changes to terms.

We may update these Terms from time to time. The "Last updated" date at the top of this page will reflect the most recent changes. Material changes will be communicated by:

• Posting a prominent notice on our website
• Sending an email notification (where we have your email)
• Other means as required by applicable law

Your continued use of the Services after the effective date of any update constitutes acceptance of the updated Terms. If you do not agree with the updated Terms, you must stop using the Services.

Severability & miscellaneous.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

Entire agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and MCA Alleviation regarding the Services.

Waiver

No waiver of any provision of these Terms will constitute a waiver of any other provision. Our failure to enforce any right or provision will not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations to any party at any time without notice.

Notices

Any notices to you may be made via email, postal mail, or postings on the website. Notices to us must be sent to legal@mcaalleviation.com or to our address in Section 19.

Force majeure

We are not liable for any failure to perform due to causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Headings

Section headings are for convenience only and have no legal effect.

Contact us.

For questions about these Terms or the Services: