1. Acceptance of Terms
By accessing or using DisputeAI ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
DisputeAI is an AI-powered platform that generates credit dispute letters for the three major credit bureaus (Equifax, Experian, and TransUnion). Our Service helps you create personalized dispute letters based on information you provide about accounts on your credit report.
3. User Accounts
- You must be at least 18 years old to use this Service
- 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 and complete information when creating an account
4. Credits and Payments
- Credits are required to generate dispute letters
- 1 credit = 1 complete dispute package (3 bureau-specific letters)
- Credits are non-refundable once used to generate letters
- Unused credits never expire
- All payments are processed securely through Stripe
- Prices are subject to change with notice
5. Refund Policy
We offer a satisfaction guarantee. If you are not satisfied with the quality of the generated letters, contact us within 7 days of generation for a full refund of the credit used. Refunds are provided at our discretion and require a valid reason related to service quality.
6. User Responsibilities
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
- Use the Service for lawful purposes only
- Not misuse or attempt to manipulate the Service
- Not share your account credentials with others
7. Disclaimer of Legal Services
DISPUTEAI IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE.
The Service provides document generation tools only. The letters generated are templates 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 proceedings
If you need legal advice, please consult with a licensed attorney in your jurisdiction.
8. No Guarantee of Results
We do not guarantee that disputing items on your credit report will result in their removal or modification. Credit bureaus and creditors make their own determinations about the accuracy of reported information. Success rates vary depending on the specific circumstances of each dispute.
9. Intellectual Property
The Service, including its design, features, and content, is owned by DisputeAI and protected by intellectual property laws. You may use generated letters for your personal credit dispute purposes only. You may not resell, redistribute, or commercially exploit our Service or generated content.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTEAI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.
Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.
11. Indemnification
You agree to indemnify and hold harmless DisputeAI, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.
12. Termination
We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion. Upon termination, your right to use the Service will immediately cease.
13. Changes to Terms
We may modify these Terms at any time. We will notify users of material changes by posting a notice on our website. Continued use of the Service after changes constitutes acceptance of the modified Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
15. Contact Information
For questions about these Terms of Service, please contact us:
- Email: support@disputeai.com