Effective: 3/3/2026
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User, “you,” or “your”) and Sphinx Consultants LLC (“Sphinx,” “we,” “us,” or “our”), a Delaware limited liability company with its principal place of business at 16192 Coastal Highway, Lewes, DE19958. By accessing or using our website, consumer portal, mobile applications, or any related services (collectively, the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms incorporate by reference our Privacy Policy, which is available at https://www.sphinx.com/privacy.
THESE TERMS INCLUDE A CLASS ACTION WAIVER THAT GOVERN ANY DISPUTES BETWEEN YOUAND US. PLEASE READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS, INCLUDINGCLASS ACTION WAIVER, DO NOT USE THE SERVICES
For purposes of these Terms:
“Account” means the user account you create or maintain to access certain features of the Service.
“Debt Account” means any consumer debt account purchased or serviced by Sphinx that is associated with your personal information.
“Service” means the Sphinx website, consumer portal, and any associated tools, features, and content, and support provided by Sphinx.
“User Content” means any information, data, communications, or materials you submit or transmit through the Service.
“You” or “User” includes any individual or entity accessing the Service, whether as a debtor, authorized representative, or other party.
Additional terms may be defined elsewhere in these Terms or in the Privacy Policy.
You must be at least eighteen (18) years of age and fully competent to enter into these Terms to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements.
To access certain features such as viewing Debt Accounts or making payments, you must create an Account by providing accurate, current, and complete information as prompted. You are solely responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security. Sphinx reserves the right to suspend or terminate your Account at any time, with or without notice, for any reason, including suspected violations of these Terms.
You may not share your Account credentials or allow any third party to access your Account without our prior written consent. Sphinx is not liable for any loss or damage arising from your failure to safeguard your Account information.
The Service provides an online portal that allows eligible Users to view information regarding Debt Accounts, make payments, receive statements and communications, and otherwise manage their interactions with Sphinx related to debts we own or service. It is provided for informational and transactional purposes only. Nothing on the Service constitutes legal advice, creates an attorney-client relationship, or modifies any rights or obligations under applicable debt-collection laws, including the Fair Debt Collection Practices Act (FDCPA) or state equivalents. You should consult with your own legal or financial advisor for advice specific to your situation. Sphinx makes no representations or guarantees regarding the accuracy, completeness, or timeliness of any Debt Account information displayed.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You further represent and warrant that: (a) all information you provide to Sphinx is true, accurate, and complete; (b) you will promptly update any information that becomes inaccurate; and (c)your use of the Service will not violate any applicable federal, state, or local law or regulation, including but not limited to the Fair Debt Collection Practices Act (FDCPA). Permitted uses of the Service are limited to viewing your Debt Accounts, making authorized payments, and communicating directly with Sphinx regarding your accounts. Any other use is strictly prohibited.
The Service may allow you to make payments toward your Debt Account(s) through integrated third-party payment processors. By initiating a payment, you authorize Sphinx or its designated processor to charge the payment method you select for the amount indicated, plus any applicable convenience fees or returned-payment fees. All payments are final and non-refundable except as required by law or expressly stated in writing by Sphinx. You are responsible for any bank or card fees, overdraft charges, or other costs associated with your payment method. If a payment is returned or declined, Sphinx may attempt to collect the outstanding balance using any lawful means and may charge reasonable returned-payment fees.
By using the Service or providing your contact information, you consent to be contacted by Sphinx, our affiliates, agents, or vendors for any purpose arising out of or relating to your Debt Account(s), including debt collection communications, by email, SMS/text messages, ringless voicemail, calls, and messages using an automatic telephone dialing system or artificial/prerecorded voice at any telephone number or email address you provide or that we otherwise obtain. This consent includes landlines, cellular numbers, and numbers later converted to cellular. You represent that the phone number(s) you provide are yours and that you are authorized to receive such communications there. You agree to notify us promptly of any number changes.
You may revoke consent for certain communications (except those required for account servicing or legal compliance) by replying “STOP” to texts, using unsubscribe links in emails, or contacting us as provided in Section 19. Your carrier’s standard rates apply. We may modify or discontinue these services at any time.
The Service, including all content, features, design, text, graphics, logos, software, and underlying code, is owned by Sphinx Consultants LLC or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. Sphinx grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial purposes in accordance with these Terms. You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or create derivative works from any portion of the Service without our prior written consent.
You agree not to engage in any of the following activities: (a) using the Service in any manner that violates applicable law or these Terms; (b) attempting to gain unauthorized access to any portion of the Service or any other user’s Account; (c) transmitting any viruses, malware, or harmful code; (d) scraping, crawling, or data-mining the Service through automated means; (e)submitting false, fraudulent, or harassing disputes or communications; (f) harassing, threatening, or abusing Sphinx personnel or other users; (g) impersonating any person or entity or misrepresenting your affiliation with any person or entity; (h) using the Service for any commercial purpose without our express written permission; or (i) encouraging or assisting any third party to engage in any prohibited conduct. Violation of this section may result in immediate termination of your access to the Service and may subject you to civil or criminal liability.
The Service may contain links to third-party websites or services, including payment processors, credit bureaus, or informational resources. These links are provided for your convenience only. Sphinx does not control, endorse, or assume responsibility for the content, privacy practices, or terms of use of any third-party site or service. Your interactions with such third parties are governed solely by their respective terms and policies. Sphinx disclaims all liability arising from your use of any third-party services.
Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by this reference. By using the Service, you consent to the practices described in the Privacy Policy. In the event of any conflict between these Terms and the Privacy Policy, the Privacy Policy shall control with respect to privacy and data protection matters.
The Service is provided on an “AS IS” and “AS AVAILABLE” basis without any warranties of any kind, either express or implied. To the fullest extent permitted by law, Sphinx expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, and uninterrupted or error-free operation.
Sphinx does not warrant that (a) the Service will meet your requirements; (b) Debt Account information will always be accurate, complete, or up-to-date; (c) the Service will be secure or free from viruses or harmful components; or (d) any defects will be corrected. Any reliance you place on the Service or any information provided therein is strictly at your own risk.
In no event shall Sphinx, its officers, directors, employees, agents, affiliates, or licensors be liable to you or any third party for any indirect, incidental, special, consequential, punitive, or exemplary damages (including but not limited to damages for loss of profits, goodwill, data, or use) arising out of or related to your use of (or inability to use) the Service, even if Sphinx has been advised of the possibility of such damages. In no event shall Sphinx’s total cumulative liability to you for all claims arising under or related to these Terms or the Service exceed the greater of one hundred U.S. dollars (USD $100). The foregoing limitations shall apply regardless of the legal theory on which the claim is based.
You agree to indemnify, defend, and hold harmless Sphinx, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) any User Content you submit; (c) your violation of these Terms or any applicable law; or (d) your infringement of any third-party rights. Sphinx reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with Sphinx at your expense.
Sphinx may, in its sole discretion, suspend or terminate your access to the Service (or any portion thereof) at any time, with or without notice, for any reason, including suspected violations of these Terms or applicable law. Upon termination, your right to use the Service ceases immediately, but all provisions that by their nature should survive (including disclaimers, liability limitations, indemnification, and governing law) will continue in full force and effect. You may close your Account at any time by contacting us as provided in Section 19.
These Terms and any dispute or claim arising out of or relating to these Terms, the Service, or your relationship with Sphinx shall be governed by and construed in accordance with the laws of the State of Delaware. Any legal action or proceeding arising under these Terms or in connection with the Service shall be brought exclusively in the Court of Chancery of the State of Delaware (or, if the Court of Chancery lacks jurisdiction, any other state or federal court located in Delaware). You hereby consent to the personal jurisdiction and venue of such courts and waive any objection to the laying of venue in such courts. You further agree to waive any right to a trial by jury in any such action or proceeding.
To the fullest extent permitted by law, you agree that any claim or cause of action you may have arising out of or related to these Terms or the Service must be commenced within one (1) year after the claim or cause of action accrues, otherwise, such claim or cause of action is permanently barred.
YOU AND SPHINX AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUROR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTEDCLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION ORPROCEEDING. You and Sphinx further agree that the arbitrator or judge may not consolidate more than one person’s claims and may not otherwise preside over any form of a class, collective, representative, or private attorney general action or proceeding. If this Class Action Waiver is found to be unenforceable, then the entirety of the dispute resolution provision(except for the governing law and venue provisions) shall be null and void, and any claims shall be brought exclusively in the Court of Chancery of the State of Delaware as set forth above.
Sphinx reserves the right to modify, update, or replace these Terms at any time in its sole discretion. We will notify you of material changes by posting the revised Terms on the Service, updating the “Effective Date” at the top of this document, and/or sending an email or other notification to the contact information associated with your Account. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and close your Account.
These Terms constitute the entire agreement between you and Sphinx regarding the Service and supersede all prior or contemporaneous understandings, whether written or oral. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision. You may not assign these Terms or any rights or obligations hereunder without our prior written consent. Sphinx may assign these Terms in whole or in part at any time without notice.
If you have any questions about these Terms, please contact us at:
Mail: Sphinx Consultants LLC, 16192 Coastal Highway, Lewes, DE 19958.
Email: info@sphinx.com
Phone: (405) 206-7067
