Terms of Service

1. Acceptance of Terms

By accessing or using DisputeKit ("Service"), operated by DisputeKit ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

DisputeKit provides a document preparation platform that assists consumers in generating credit dispute letters based on information provided in their credit reports. The Service is educational and informational in nature. DisputeKit is not a law firm, does not provide legal advice, and the use of our Service does not create an attorney-client relationship. You should consult a licensed attorney for legal advice specific to your situation.

3. Eligibility

You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you are 18 years of age or older, have the legal capacity to enter into these Terms, and are using the Service for your own personal, non-commercial purposes or as otherwise expressly permitted.

4. User Accounts

To access certain features of the Service, you must register for an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password confidential and not share it with third parties
• Accept responsibility for all activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to terminate accounts, remove or edit content, or cancel purchases at our sole discretion.

5. Payment and Refunds

The Service is offered at a one-time fee of $47.00 USD. All payments are processed securely through Stripe. By completing a purchase, you authorize us to charge the applicable fees to your payment method.

Refund Policy: Due to the digital and immediately accessible nature of our Service, all sales are final. We do not offer refunds once you have uploaded your credit report and accessed your generated dispute letters. If you experience a technical issue preventing access to the Service, please contact us at our support page within 7 days of purchase.

6. Acceptable Use

You agree not to use the Service to:

• Upload false, fraudulent, or misleading information
• Violate any applicable federal, state, or local laws or regulations
• Infringe the intellectual property rights of others
• Transmit harmful, offensive, or disruptive content
• Attempt to gain unauthorized access to any part of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service for the benefit of third parties on a commercial basis without our prior written consent

7. Intellectual Property

All content, features, and functionality of the Service — including but not limited to text, graphics, logos, icons, software, and the compilation thereof — are the exclusive property of DisputeKit and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes only.

8. User Content

When you upload your credit report or other documents to the Service, you retain ownership of that content. By uploading content, you grant us a limited license to process and analyze that content solely for the purpose of providing the Service to you. We do not sell, rent, or share your credit report or personal financial data with third parties for marketing purposes. Please review our Privacy Policy for full details on how we handle your data.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO GUARANTEES REGARDING THE OUTCOME OF ANY CREDIT DISPUTE LETTERS GENERATED THROUGH THE SERVICE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL DISPUTEKIT, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OR INABILITY TO USE THE SERVICE. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to defend, indemnify, and hold harmless DisputeKit and its licensors, employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorneys' fees) arising from your use of and access to the Service, your violation of any provision of these Terms, or your violation of any third-party rights.

12. Governing Law and Dispute Resolution

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. Any dispute arising from these Terms or your use of the Service shall first be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of significant changes by updating the "Last updated" date at the top of this page. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

14. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

15. Contact

If you have any questions about these Terms, please contact us.