Terms & Conditions

These Terms & Conditions (“Terms”) are a binding agreement between you and[COMPANY_NAME] (“[COMPANY_NAME],” “we,” “us,” or “our”). They govern your use of [WEBSITE_URL], our customer portal, our employee tools, and all related services (the “Service”). By creating an account, uploading documents, or paying for a package, you agree to these Terms.

1. Who Can Use the Service

You must be at least 18 years old and a U.S. resident with the legal authority to dispute items on your own consumer credit file. You agree to provide accurate, current, and complete information and to keep it up to date.

2. What the Service Does

• Helps you upload credit reports, identity documents, FTC Identity Theft Reports, police reports, and supporting evidence.
• Uses AI, OCR, and document-intelligence tools to extract data and prepare draft dispute letters and complaint packages.
• Allows our staff to review documents, match credit-report accounts to your FTC report, and assemble a final mail-ready packet.
• Tracks mailings, bureau responses, and case status in your dashboard.

You — not [COMPANY_NAME] — submit your dispute. Whether mailed by you or sent by us on your written authorization, the dispute is your communication with the bureau or agency.

3. AI-Generated Output and Mandatory Review

AI may make errors. Drafts, extracted fields, account matches, and generated letters are starting points only. You and our staff must review every generated package carefully before it is downloaded, signed, or mailed. You are solely responsible for verifying accuracy and for the contents of any document you sign or submit.

4. Truthfulness; No Fabrication

You agree that all information you provide and authorize us to use is truthful and accurate. The Service does not exist to dispute items you know to be accurate or to fabricate an identity-theft claim. Filing a false FTC Identity Theft Report or a false statement to a credit bureau may be a crime. We may decline service, pause your case, or terminate your account if we have a reasonable basis to believe submissions are false or misleading.

5. Sensitive Documents and Authorizations

• SSN card: By default we extract only the last four digits for use in letters. We will only attach the full SSN card image to a specific package if you separately authorize it for that package.
• Government ID signature: We will only extract your handwritten signature with your explicit authorization. The signature region is cropped first; only the cropped image is sent to AI background removal. The full ID image is never sent to the signature background-removal process. The cleaned signature may only be placed on dispute letters after you authorize that specific use and complete a final review.
• Mailing authorization: If you authorize us to mail packages on your behalf, you authorize us to print, package, and send the materials you have approved.

6. Employee Access and Logging

Employee access to customer files is role-based. The Service logs who accessed files, who generated packages, which documents were used, and when packages were downloaded. These logs exist to protect you, our staff, and the integrity of the Service.

7. Fees, Payment, Refunds, and Cancellation

• One-time instructional package fee: $300 per package, due before we begin preparation.
• Optional follow-up membership: $30 per month, which entitles you to additional consulting support if a problem is reported with a submitted package. The membership renews monthly until you cancel.
• Refunds. [REFUND_POLICY_DETAILS — e.g., refunds available within X days if no package has been generated; no refunds after a package has been generated, printed, or mailed; pro-rated rules for membership; etc.]
• Cancellation. You may cancel the follow-up membership at any time from your account. Cancellation stops future charges; it does not retroactively refund prior charges except as required by law or as stated in the refund policy above.
• Chargebacks. Please contact us before initiating a chargeback so we can address your concerns directly.

8. Consumer Protection & Credit-Services Compliance

You acknowledge and agree that:

• You have the right to dispute inaccurate information on your own credit report directly with the bureaus and creditors, for free, at any time.
• You may cancel this agreement consistent with the cancellation rights described above and any non-waivable rights provided by federal or state law, including the rights described under the Credit Repair Organizations Act (CROA) and applicable state law ([STATE_LAW_REFERENCE]) where they apply to us.
• [COMPANY_NAME] does not collect payment for credit-repair services before such services are fully performed where prohibited by law.
• We do not advise you to make any false statement to any consumer reporting agency or to alter your identification to prevent the display of information.

9. SMS / Mobile Messaging

If you opt in, you may receive case-status SMS messages from [COMPANY_NAME]. Message and data rates may apply. Reply STOP to opt out and HELP for help. Mobile opt-in data, including your phone number and SMS consent, are not sold or shared with third parties for third-party marketing.

10. Acceptable Use

You agree not to:

• Upload documents that are not yours or that you are not authorized to use.
• Misrepresent your identity, residency, or the facts of your case.
• Attempt to access another customer’s file, bypass employee role controls, or tamper with audit logs.
• Reverse engineer, scrape, or interfere with the Service.
• Use the Service for any unlawful purpose.

11. Intellectual Property

The Service, including all software, templates, letter formats, and documentation, is owned by [COMPANY_NAME] and is protected by intellectual-property law. Generated packages prepared from your data are provided to you for your personal use in your own dispute or complaint.

12. Third-Party Services and Government Forms

The Service helps you prepare submissions to third parties such as the FTC, the CFPB, and the credit bureaus. [COMPANY_NAME] is not affiliated with, endorsed by, or sponsored by any of them. Their websites, forms, and processes are governed by their own terms.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, [COMPANY_NAME] DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY DISPUTE WILL RESULT IN A SPECIFIC OUTCOME.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, [COMPANY_NAME] AND ITS PERSONNEL WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR CREDIT OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

15. Indemnification

You agree to indemnify and hold harmless [COMPANY_NAME] from any third-party claim arising from your misuse of the Service, your breach of these Terms, or any inaccurate or false information you provided.

16. Governing Law & Disputes

These Terms are governed by the laws of [STATE_LAW_REFERENCE], without regard to its conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in [VENUE_COUNTY/STATE], unless the parties agree otherwise in writing.

17. Changes to the Service or Terms

We may update the Service and these Terms from time to time. Material changes will be communicated through the Service or by email. Your continued use after changes take effect constitutes your acceptance.

18. Termination

You may close your account at any time. We may suspend or terminate accounts that violate these Terms, are used fraudulently, or pose a security or legal risk. Sections that by their nature should survive termination will survive.

19. Contact

See also our Privacy Policy.