Terms of Service

1. Acceptance of Terms

By accessing or using DisputeAI ("Service"), operated by DisputeAI LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms constitute a legally binding agreement between you and DisputeAI LLC.

We reserve the right to modify these Terms at any time. Your continued use of the Service following any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

2. Description of Service

DisputeAI is an AI-powered platform that provides the following services:

• Credit Dispute Letter Generation: AI-generated dispute letters for the three major credit bureaus (Equifax, Experian, and TransUnion) based on information you provide
• Document Storage: Secure storage of your personal documents including signatures, government-issued identification, and proof of address documents
• Mailing Services: Optional third-party printing and mailing services through our partner Docupost for sending dispute letters via USPS First-Class or Certified Mail
• Outcome Tracking: Tools to track and record the outcomes of your credit disputes
• Support Services: Customer support via our ticketing system

3. User Accounts and Eligibility

• You must be at least 18 years old and a legal resident of the United States to use this Service
• You must have the legal capacity to enter into binding contracts
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must provide accurate, current, and complete information when creating an account
• You agree to update your information promptly if it changes
• You may not share your account credentials with others or allow others to access your account
• You must immediately notify us of any unauthorized use of your account

4. Credits, Payments, and Pricing

Credits: Credits are required to generate dispute letters. 1 credit = 1 dispute round, which includes up to 15 accounts disputed across all 3 credit bureaus (Equifax, Experian, and TransUnion). Each dispute round generates 3 unique, bureau-specific letters.

• Credits are non-refundable once used to generate letters
• Unused credits never expire and remain in your account indefinitely
• All payments are processed securely through Stripe, a PCI-compliant payment processor
• Prices are listed in US dollars and are subject to change with reasonable notice
• By making a purchase, you authorize us to charge your selected payment method
• You are responsible for any applicable taxes
• Promotional codes and discounts are subject to their specific terms and may be modified or discontinued at any time

One-Time Purchases (Starter): You may purchase individual credits as a one-time payment. No subscription or recurring charges apply to one-time purchases.

Subscriptions (Pro): The Pro plan is a monthly subscription that provides 3 credits per billing cycle. By subscribing, you agree to the following:

• Your payment method will be automatically charged each month on the anniversary of your subscription start date
• 3 credits are added to your account at the beginning of each billing cycle
• Unused credits roll over to subsequent months and do not expire
• You may cancel your subscription at any time through your account dashboard or by contacting support
• Upon cancellation, your subscription remains active through the end of the current paid billing period, after which no further charges will occur
• Credits already in your account at the time of cancellation remain available and do not expire
• Subscription fees are non-refundable for the current billing period once charged

5. Mailing Services

We offer optional mailing services through our third-party partner, Docupost. By using our mailing services:

• You authorize us to transmit your dispute letters and personal information to Docupost for printing and mailing
• Mailing fees are separate from credit purchases and are charged at the time of order
• First-Class Mail and Certified Mail options are available with different pricing
• Delivery times are estimates and not guaranteed; USPS delivery timeframes apply
• We are not responsible for mail lost, delayed, or damaged by USPS or Docupost
• Tracking information (when available) is provided as a courtesy and may not always be accurate
• Refunds for mailing services are only available if the order was not processed; once submitted to Docupost, orders cannot be canceled or refunded
• You are responsible for ensuring the accuracy of mailing addresses

6. Refund Policy

One-Time Credit Purchases: We offer a satisfaction guarantee for credit purchases. If you are not satisfied with the quality of the generated letters, contact us within 7 days of generation for a potential refund of the credit used. Refunds are provided at our sole discretion and require a valid reason related to service quality (not dispute outcomes).

Subscriptions: Subscription fees are non-refundable for the current billing period once charged. You may cancel your subscription at any time to prevent future charges. Cancellation takes effect at the end of the current billing period — you will retain access to your subscription benefits and any unused credits until then.

Mailing Services: Mailing orders cannot be refunded once submitted for processing. If there is an error on our part (e.g., incorrect letter content due to system error), we will re-mail the corrected letters at no additional charge.

No Refunds For: We do not provide refunds based on the outcome of your disputes, credit bureau responses, or your dissatisfaction with results from the credit bureaus.

7. Document Upload and Storage

Our Service allows you to upload and store certain documents:

• Electronic Signature: You may create and store an electronic signature for use on dispute letters
• Government-Issued ID: You may upload a copy of your government-issued identification (driver's license, state ID, passport)
• Proof of Address: You may upload documents proving your current address (utility bills, bank statements, etc.)

By uploading documents, you represent and warrant that:

• You have the right to upload and use these documents
• The documents are genuine and have not been altered or falsified
• The documents belong to you and accurately represent your identity
• You consent to the storage and use of these documents for generating and mailing dispute letters

8. User Responsibilities and Prohibited Uses

You agree to:

• Provide accurate information about yourself and the accounts you wish to dispute
• Only dispute items you genuinely believe are inaccurate, incomplete, or unverifiable on your credit report
• Use the Service for lawful purposes only
• Review all generated letters before sending them
• Comply with all applicable federal, state, and local laws

You agree NOT to:

• Dispute items you know to be accurate (filing frivolous disputes)
• Use false, misleading, or fraudulent information
• Impersonate another person or use someone else's identity
• Upload forged, altered, or fraudulent documents
• Use the Service on behalf of others without proper authorization
• Attempt to circumvent, disable, or interfere with security features
• Use automated systems (bots, scrapers) to access the Service
• Resell, redistribute, or commercially exploit our Service or generated content
• Reverse engineer or attempt to extract the source code of our software

9. Email Communications

By creating an account, you consent to receive email communications from us, including:

• Account-related emails (registration confirmation, password resets, security alerts)
• Transactional emails (purchase confirmations, letter generation notifications, mailing updates)
• Service updates and announcements
• Dispute deadline reminders and follow-up notifications
• Educational content about credit repair and your rights
• Support ticket responses and updates

You may opt out of non-essential marketing emails at any time through your account settings or by clicking the unsubscribe link in any email. You cannot opt out of essential account and transactional emails while maintaining an active account.

10. Support Services

We provide customer support through our ticketing system. Please note:

• Support tickets that have been inactive (no response from you) for 7 days may be automatically closed
• You will receive a notification before a ticket is closed due to inactivity
• You may reopen a closed ticket or create a new one if you need further assistance
• We strive to respond to all support requests within 24-48 business hours
• Support is limited to questions about our Service and does not include legal, financial, or credit counseling advice

11. Disclaimer of Legal Services

The Service provides document generation tools only. The letters generated are templates created by artificial intelligence based on the information you provide. We do not:

• Provide legal advice or legal representation
• Guarantee any specific outcome from disputing items
• Review or verify the accuracy of information you provide
• Represent you in any legal or administrative proceedings
• Contact credit bureaus or creditors on your behalf
• Negotiate settlements or payment arrangements
• Provide credit counseling or financial advice

If you need legal advice, please consult with a licensed attorney in your jurisdiction. If you need credit counseling, please contact a non-profit credit counseling agency approved by the U.S. Department of Justice.

12. No Guarantee of Results

WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM USING OUR SERVICE. We make no guarantees, representations, or warranties regarding:

• The removal or modification of any items on your credit report
• Any improvement to your credit score
• The response time or actions of credit bureaus or creditors
• The success rate of disputes
• Any financial benefit you may receive

Credit bureaus and creditors make their own independent determinations about the accuracy of reported information. Success rates vary depending on the specific circumstances of each dispute. Past results do not guarantee future outcomes.

13. Intellectual Property

The Service, including its design, features, software, content, and all intellectual property rights therein, is owned by DisputeAI LLC and protected by United States and international intellectual property laws.

• You are granted a limited, non-exclusive, non-transferable license to use the Service for your personal credit dispute purposes only
• Generated letters are licensed to you for your personal use only
• You may not resell, redistribute, publish, or commercially exploit our Service or generated content
• You may not remove any copyright, trademark, or other proprietary notices
• All trademarks, service marks, and trade names are the property of their respective owners

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

DISPUTEAI LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Service
• The outcome of any credit disputes
• Any actions taken by credit bureaus, creditors, or third parties
• Unauthorized access to or alteration of your data
• Any errors, inaccuracies, or omissions in generated content
• Lost or delayed mail
• Service interruptions or technical failures

IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

15. Indemnification

You agree to indemnify, defend, and hold harmless DisputeAI LLC, its officers, directors, employees, agents, affiliates, and partners from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable law or regulation
• Any content or information you provide to the Service
• Any false, fraudulent, or misleading information you provide

16. Dispute Resolution and Arbitration

Informal Resolution: Before filing any claim, you agree to contact us at support@disputeai.io to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.

Binding Arbitration: If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules.

• The arbitration will be conducted in English
• The arbitration will take place in the county where you reside or by telephone/video conference
• The arbitrator's decision will be final and binding
• Judgment on the arbitration award may be entered in any court of competent jurisdiction

Class Action Waiver: YOU AND DISPUTEAI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Exceptions: You may bring claims in small claims court if your claims qualify. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

Opt-Out: You may opt out of this arbitration agreement by sending written notice to support@disputeai.io within 30 days of first accepting these Terms. Your notice must include your name, address, email, and a clear statement that you wish to opt out of arbitration.

17. Termination

Termination by You: You may terminate your account at any time by contacting us at support@disputeai.io. If you have an active Pro subscription, it will be canceled automatically upon account termination. Unused credits are non-refundable upon account termination.

Termination by Us: We reserve the right to suspend or terminate your account immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Non-payment of fees
• Request by law enforcement or government agency
• Extended periods of inactivity
• Discontinuation of the Service

Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership, warranty disclaimers, indemnification, and limitations of liability.

18. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Subject to the arbitration provisions above, any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the federal or state courts located in Delaware, and you consent to the personal jurisdiction of such courts.

19. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

20. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and DisputeAI LLC regarding the Service and supersede all prior agreements, understandings, and communications.