Effective Date: [Insert Date]
Welcome to [Your Business Name] (“we,” “our,” or “us”). By using our websites, products, applications, platforms, or services (collectively, the “Services”), you acknowledge and agree to the following Terms of Service (“Terms”). These Terms form a binding agreement. Please read them carefully.
1. Acceptance of Terms
By accessing or using our Services, you certify that you are at least 18 years old and legally able to enter into a binding contract. Your use of the Services constitutes acceptance of these Terms in full. If you do not agree, do not use our Services.
2. Description of Services
We provide digital tools, AI-generated content, and educational resources designed to assist individuals with credit improvement, personal finance, and consumer education. Services may include:
- AI-assisted generation of credit dispute letters
- Automated credit report analysis
- Educational guides and templates
- Access to a client portal and support system
Important: We are not a law firm or a credit reporting agency. We do not offer legal, tax, or financial advice.
3. AI Use Disclosure
Some Services are powered in part or whole by artificial intelligence (AI) and machine learning models. This includes:
- Dispute letter drafting and automation
- Educational article creation
- Chat and portal support features
AI-generated content is reviewed periodically for quality, but may contain errors or require professional judgment. You are solely responsible for verifying the accuracy and appropriateness of any outputs before using them.
4. No Guarantee of Outcomes
You understand that results vary based on individual credit histories, credit bureau procedures, and responses from creditors. We make no warranties or guarantees regarding deletions, score increases, or specific results. The use of our Services is at your own risk.
5. User Responsibilities
You agree to:
- Provide accurate and truthful information
- Use the Services only for lawful and personal purposes
- Not misuse, distribute, copy, or resell our materials
- Acknowledge that misuse of AI or content to commit fraud is strictly prohibited
6. Payments & Refund Policy
All fees for Services are due as described at the time of purchase. All sales are final unless otherwise stated. Payment disputes, including chargebacks, may result in immediate suspension of services and collections activity.
7. Intellectual Property
All content, software, documents, templates, graphics, and AI-generated outputs are owned by [Your Business Name] and protected by copyright and intellectual property laws. Unauthorized use, redistribution, or commercial exploitation is prohibited.
8. Limitation of Liability
To the fullest extent permitted by law, we disclaim all liability for damages of any kind, including direct, indirect, incidental, punitive, or consequential damages. You agree that your sole remedy for dissatisfaction is to stop using our Services.
9. Privacy & Data Handling
We respect your privacy. By using our Services, you agree to our Privacy Policy. We do not sell your data. AI tools may process uploaded data (such as credit reports) to generate responses or letters, but such data is handled securely and used only for the intended purpose.
10. Termination
We reserve the right to suspend or terminate your access to our Services at any time, for any reason, including violation of these Terms, fraudulent activity, or misuse of our systems.
11. Dispute Resolution & Governing Law
These Terms are governed by the laws of the state of [Your State]. You agree to resolve any disputes exclusively through arbitration or small claims court in that jurisdiction. You waive any right to participate in class actions.
12. Modifications
We may update these Terms at any time. Any changes will be posted on our website with an updated effective date. Continued use of the Services after changes constitutes acceptance of those changes.
13. Contact Information
If you have any questions about these Terms or how we use AI, please contact:
Email: [your email address]
Mailing Address: [your business address]