Legal Disclaimer

1. No Legal Advice

The information and documents provided by DisputeKit AI are for educational and informational purposes only. Nothing on this website or in our Service constitutes legal advice, and no attorney-client relationship is formed by your use of the Service.

The dispute letters generated by our Service are based on generally applicable consumer protection laws, including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and other federal and state statutes. However, the applicability of these laws to your specific situation may vary based on your individual circumstances.

If you need legal advice regarding your credit situation, we strongly recommend consulting with a licensed attorney in your jurisdiction.

2. Not a Credit Repair Organization

DisputeKit AI is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not:

• Make any representations about improving your credit score or credit standing
• Promise to remove accurate information from your credit report
• Advise you to dispute accurate information
• Create a new credit identity or file for you
• Submit disputes on your behalf

We provide document preparation assistance that enables you to exercise your rights under consumer protection laws. You are responsible for reviewing, signing, and submitting all dispute letters yourself.

3. No Guarantee of Results

WE MAKE NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES REGARDING THE OUTCOME OF ANY DISPUTES YOU FILE USING LETTERS GENERATED BY OUR SERVICE.

The success of credit disputes depends on many factors outside our control, including but not limited to:

• The accuracy of information you provide
• Whether the disputed information is actually inaccurate or unverifiable
• The responsiveness of credit bureaus, creditors, and collection agencies
• The specific documentation and evidence available
• Changes in applicable laws or regulations

Results vary significantly based on individual circumstances. Past results do not guarantee future outcomes.

4. User Responsibility

You are solely responsible for:

• Ensuring all information you provide is accurate and truthful
• Disputing only information you believe in good faith to be inaccurate, incomplete, or unverifiable
• Reviewing all generated documents before submission
• Making any necessary modifications to suit your specific circumstances
• Properly signing, dating, and mailing dispute letters with required documentation
• Keeping copies of all correspondence for your records
• Following up on disputes as needed

5. Prohibited Uses

You may NOT use the Service to:

• Dispute information you know to be accurate
• Commit fraud or engage in deceptive practices
• Misrepresent your identity or impersonate another person
• Violate any applicable laws, regulations, or third-party rights
• Harass or threaten credit bureaus, creditors, or collection agencies
• Interfere with legitimate credit reporting processes

Filing frivolous or fraudulent disputes may result in legal consequences, including civil and criminal penalties.

6. AI-Generated Content

The dispute letters generated by our Service use artificial intelligence technology. While we strive for accuracy and quality, AI-generated content may contain errors or may not perfectly address your specific situation.

You must review all generated documents carefully before use and make any necessary modifications. We are not responsible for any errors in AI-generated content or for any consequences arising from your use of such content without proper review.

7. Third-Party Information

Our Service may reference or cite federal and state laws, regulations, and case law. While we endeavor to keep this information current and accurate, we make no representations about the completeness, reliability, or accuracy of such information. Laws and regulations change frequently, and you should verify all legal citations independently.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DISPUTEKIT AI AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO:

• The outcome of any credit disputes
• Any changes to your credit score or credit standing
• Any decisions made by credit bureaus, creditors, or collection agencies
• Any errors or omissions in AI-generated content
• Any actions taken based on information provided by the Service

9. Your Rights Under Federal Law

Under the Fair Credit Reporting Act (FCRA), you have the right to:

• Obtain a free copy of your credit report annually from each major credit bureau
• Dispute inaccurate or incomplete information on your credit report
• Have credit bureaus investigate your disputes within 30 days
• Have inaccurate information corrected or deleted
• Sue credit bureaus and furnishers for FCRA violations

For more information about your rights, visit the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov or the Federal Trade Commission (FTC) at www.ftc.gov.

10. Contact Information

If you have any questions about this Legal Disclaimer, please contact us at:

Email: legal@disputekit.io
Website: www.disputekit.io/contact