Terms of Service

You must be at least 18 years old and legally able to enter into a binding contract. You are responsible for safeguarding your credentials and for all activity under your account.

DisputeDocs Pro provides software tools that help consumers and credit-repair professionals organize credit report data, identify potential reporting inaccuracies, and generate dispute correspondence. The Service is a software platform. It does not provide legal advice, and no attorney-client relationship is created.

Paid subscriptions are billed through Stripe. Fees are billed in advance on a recurring basis. You authorize us and Stripe to charge your payment method for all applicable fees. Subscriptions renew automatically until cancelled. See the Refund Policy for details on cancellation and refunds.

You agree not to use the Service to submit false, fraudulent, or knowingly inaccurate disputes, to violate the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), Telephone Consumer Protection Act (TCPA), or any other applicable law, or to attempt to access data belonging to other users.

You retain ownership of credit reports, consumer files, and correspondence you upload. You grant us a limited license to process this content solely to operate and improve the Service. See our Privacy Policy.

The Service, including software, templates, and content, is owned by DisputeDocs Pro and is protected by intellectual-property laws. You may not copy, modify, resell, or reverse-engineer the Service except as permitted by law.

We may suspend or terminate accounts that violate these Terms or applicable law. You may cancel your subscription at any time from your account settings.

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Where you upload data about consumers you represent, you are the data controller and we act as your processor: we process that data only on your documented instructions, maintain appropriate technical and organizational safeguards, restrict access through row-level security, and require our subprocessors to accept equivalent obligations. You represent that you have obtained all consents and authorizations (including a valid Letter of Authority where applicable) required to submit consumer data to the Service. You may request export or deletion of your data at any time as described in our Data Deletion page.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any specific credit reporting outcome will be achieved. See the full Disclaimer.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DISPUTEDOCS PRO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS OPPORTUNITY, DATA, OR CREDIT OPPORTUNITY, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Aggregate cap. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). This cap applies in the aggregate across all claims and is not increased by multiple claims.

Exclusions. Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so parts of this section may not apply to you. Nothing in these Terms limits liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability that cannot lawfully be limited. These limitations are an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose.

Time limit on claims. Any claim arising out of or relating to the Service must be filed within one (1) year after the claim arose, except where a longer period is required by law.

You agree to defend, indemnify, and hold harmless DisputeDocs Pro and its officers, directors, employees, agents, affiliates, and suppliers from and against any and all third-party claims, demands, actions, investigations, damages, losses, liabilities, judgments, settlements, fines, penalties, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms or of any applicable law, including the FCRA, CROA, TCPA, state credit-services statutes, or privacy laws; (c) content, disputes, or correspondence you submit, generate, or send, including any false or misleading statements; (d) your handling of consumer data or your lack of valid consumer authorization; (e) your infringement or misappropriation of any intellectual property or privacy right; or (f) any dispute between you and a consumer, client, credit bureau, or furnisher.

We will notify you of any claim subject to indemnification and may, at our option, assume exclusive control of the defense at your expense. You may not settle any claim in a way that imposes obligations on us without our prior written consent. This obligation survives termination of your account.

Governing law. These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Delaware, USA, excluding its conflict-of-laws rules and the U.N. Convention on Contracts for the International Sale of Goods.

Venue. Subject to the arbitration provision below, the state and federal courts located in Delaware have exclusive jurisdiction, and you consent to personal jurisdiction and venue there.

Informal resolution. Before filing a claim, you agree to contact support@disputedocs.app and attempt to resolve the dispute informally for at least thirty (30) days.

Binding arbitration & class waiver. Except for claims in small-claims court or for injunctive relief protecting intellectual property, any unresolved dispute shall be settled by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Delaware. YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. If this class waiver is found unenforceable, the entire arbitration provision is void. Where applicable law grants you a non-waivable right to litigate, this provision does not limit that right.

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government action, epidemics, power or internet failures, cyberattacks, or failures of third-party providers such as hosting, payment, or credit-bureau systems.

The Service relies on third parties (including payment processing, hosting, email delivery, and bureau correspondence). We are not responsible for their acts, omissions, outages, or policies, and your use of them may be subject to their own terms. Except for the indemnified parties named above, these Terms create no third-party beneficiary rights.

You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary and the remaining provisions stay in full force. Our failure to enforce any provision is not a waiver of it.

Sections concerning your content, intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution survive termination. These Terms, together with the Privacy Policy, Refund Policy, Disclaimer, and Consumer Credit File Rights disclosure, constitute the entire agreement between you and us regarding the Service.

We may update these Terms from time to time. Material changes will be communicated by email or in-app notice at least fourteen (14) days before they take effect where practicable. Continued use of the Service after changes take effect constitutes acceptance.

Questions? Email support@disputedocs.app.