Terms of Service | DisputeKit AI

1. Acceptance of Terms

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

2. Description of Service

DisputeKit AI is a document preparation service that uses artificial intelligence to generate credit dispute letters based on information you provide. The Service analyzes credit report data and creates customized dispute correspondence for submission to credit bureaus, creditors, and collection agencies.

Important: DisputeKit AI is NOT a law firm, does NOT provide legal advice, and is NOT a substitute for the advice of an attorney. The Service provides document preparation assistance and educational information about consumer credit laws only.

3. Eligibility

You must be at least 18 years old and a legal resident of the United States to use this Service. By using the Service, you represent and warrant that you meet these eligibility requirements and have the legal capacity to enter into these Terms.

4. User Responsibilities

By using the Service, you agree to:

Provide accurate and truthful information about yourself and your credit history
Only dispute items on your own credit report that you believe in good faith to be inaccurate
Not use the Service for any fraudulent, illegal, or deceptive purposes
Not misrepresent your identity or impersonate another person
Review all generated documents before submission to ensure accuracy
Comply with all applicable federal, state, and local laws and regulations

5. Payment and Refunds

The Service is provided on a one-time payment basis. All fees are charged in U.S. dollars and are non-refundable once the dispute packet has been generated and delivered, except as required by law or at our sole discretion. We reserve the right to change our pricing at any time without prior notice.

6. Intellectual Property

The Service, including all content, features, and functionality (including but not limited to all information, software, text, displays, images, and the design thereof), is owned by DisputeKit AI and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the dispute letters generated by the Service solely for your personal, non-commercial use in disputing items on your own credit report.

7. Privacy and Data Security

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (C) ANY DISPUTED ITEMS WILL BE REMOVED FROM YOUR CREDIT REPORT; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL DISPUTEKIT AI, 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 ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICE.

10. Indemnification

You agree to defend, indemnify, and hold harmless DisputeKit AI and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

11. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in the state of Delaware, and judgment on the arbitration award may be entered in any court having jurisdiction thereof.

YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE LIMITED TO THE DISPUTE BETWEEN US AND YOU INDIVIDUALLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

12. Governing Law

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

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after such modifications constitutes your acceptance of the revised Terms.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Contact Information

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

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