Last updated: May 23, 2025
These Terms and Conditions set the ground rules for using Global Debt Registry. They explain what you can expect from the blog and what the blog expects from you.
By reading, commenting, or clicking anywhere on globaldebtregistry.com, you signal that you accept every rule set out below. If any part of these rules feels unclear, the plain-language notes that follow aim to simplify rather than confuse.
If you keep browsing, you agree to learn the ropes with us.
Acceptance of Terms
Using this site, whether to skim an article, download a worksheet, or post a comment, counts as full acceptance of these Terms and Conditions.
If you disagree with any rule, please exit the site immediately. These Terms cover every page, feature, and future update that may appear in the Global Debt Registry ecosystem.
Changes to Terms
Avery Harper may revise these Terms without notice when laws shift or new tools are added.
The revised version becomes effective the moment it is published here. Check this page from time to time to stay current. Your continued visit shows you accept any update.
Who We Are
Global Debt Registry is a personal blog created and managed by Avery Harper, an independent writer based in Denver, Colorado.
Its purpose is to translate debt topics into everyday language for educational use. The opinions expressed are Avery’s own and not those of past employers or affiliates.
Personal Use Only
All articles, charts, and downloads on this site are offered for your private, non-commercial study.
You may not copy, sell, re-host, or data-mine any material without written consent from Avery Harper.
You may, however, share brief excerpts if you follow the rules below:
- Quote no more than 100 words and include clear credit to “Global Debt Registry.”
- Add a live hyperlink that points directly to the original article.
- Do not alter the meaning, tone, or context of the quoted material.
Intellectual Property Rights
Every post, infographic, and page layout on globaldebtregistry.com is protected by United States copyright law.
Short quotations that meet fair-use standards are welcome when accompanied by visible credit and a live link.
Removing watermarks from photographs or logos is forbidden. All trademarks, including the Global Debt Registry name and any stylized logos, remain the exclusive property of Avery Harper. No license is implied by your visit.
Information Accuracy Disclaimer
Numbers change, interest rates shift, and laws differ by location.
While each article is researched carefully, the information is offered as-is, with no guarantee of accuracy, completeness, or timeliness. You should double-check critical figures with official sources before you act, and consider regional variations that may apply to you. Use the material at your own discretion.
Financial Advice Disclaimer
Global Debt Registry provides general education, not personalized financial, legal, or tax advice.
Reading a post, downloading a calculator, or sending Avery an email does not create a client-advisor relationship.
Before making decisions that affect your wallet or credit record, consult a certified financial planner, attorney, or other qualified professional who can consider your unique circumstances. Nothing on this site should be the sole basis for any high-stakes decision.
Third-Party Links
Some articles link to external websites for definitions, statistics, or additional reading.
Global Debt Registry has no control over those sites and does not endorse their content, products, or policies. We make no guarantees about accuracy once you leave this domain. Following a link is entirely at your own risk, so review external terms before sharing personal information.
User Conduct
You agree to use the site in a lawful and respectful manner.
The following actions are prohibited and may lead to comment removal, IP blocking, or legal action:
- Posting false, harmful, or misleading content.
- Harassing, threatening, or defaming other users or individuals.
- Attempting to hack, spam, or overload the site’s servers or comment system.
Comments Policy
Comment sections are open for thoughtful discussion about debt topics.
Keep language civil, stick to the subject, and avoid personal attacks.
Avery reserves the right to edit, moderate, or delete any comment at her sole discretion, especially if it contains hate speech, spam, or promotional links.
Privacy and Cookies
Global Debt Registry uses basic analytics and cookies to understand how visitors move through the site.
These tools collect non-identifying data such as browser type, referring page, and time spent reading, which helps improve content and layout.
For full details see our separate Privacy Policy. You can disable or clear cookies in your browser settings, though some features may load more slowly if you opt out.
Limitation of Liability
To the fullest extent permitted by law, Avery Harper and Global Debt Registry are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site.
This includes losses related to data, profits, reputation, or device malfunction.
Some regions restrict exclusion of certain warranties or damages; where local law prevails, liability is limited to the smallest amount allowed under that law.
Indemnification
By using the site, you agree to defend, indemnify, and hold Avery Harper harmless from any claim or expense related to your violation of these Terms or misuse of content.
This protection covers attorneys’ fees, court costs, and all resulting damages. It applies even after you stop using the site.
Governing Law
These Terms are governed by the laws of the State of Colorado and applicable United States federal statutes.
Any dispute will be heard in a state or federal court located in Colorado unless both parties agree in writing to another venue.
Contact
Questions about these Terms and Conditions can be sent to [email protected].
Avery welcomes feedback and will try to reply within a reasonable time.
Please include a clear subject line for quicker help.