Terms of Service

1. Acceptance of Terms

Welcome to FixMyCredit99. By accessing or using our website, mobile application, or any of our services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Description of Service

FixMyCredit99 provides tools and services to help you dispute errors on your credit report. Our Service includes:

• AI-powered analysis of credit reports you upload
• Generation of FCRA-compliant dispute letters for credit bureaus
• Generation of FDCPA-compliant debt validation letters for creditors
• Physical mail delivery of dispute letters via certified or first-class mail
• Tracking and management of your disputes
• Educational resources about credit repair and consumer rights

3. Important Disclaimers

Additionally:

• We do not guarantee removal of any items from your credit report
• Results vary based on the accuracy of information and individual circumstances
• Only items that are inaccurate, incomplete, unverifiable, or outdated can be legally disputed
• We do not encourage disputing accurate information

4. User Responsibilities

By using our Service, you agree to:

• Provide accurate and truthful information
• Upload only your own credit reports (not those of others)
• Use the Service only for lawful purposes
• Not attempt to manipulate, hack, or abuse the Service
• Keep your account credentials secure
• Notify us immediately of any unauthorized access
• Dispute only items you genuinely believe are inaccurate

5. Account Registration

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete registration information
• Maintain and update your information as needed
• Be at least 18 years old
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

6. Subscription and Payments

Pricing Plans

We offer both subscription plans and pay-per-use options. Current pricing is displayed on our website and may change with notice.

Billing

Subscription fees are billed in advance on a monthly basis. Pay-per-dispute fees are charged at the time of letter generation and mailing.

Refunds

Due to the nature of our service (physical letters being mailed), refunds are generally not available once a letter has been sent. However, we will work with you to address any issues with undelivered letters or service problems. Contact us at support@fixmycredit99.com for refund requests.

7. Intellectual Property

The Service, including all content, features, and functionality, is owned by FixMyCredit99 and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our written permission.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM USING THE SERVICE
• WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS

10. Indemnification

You agree to indemnify and hold harmless FixMyCredit99, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

11. Termination

You may terminate your account at any time through your account settings or by contacting us.

We may terminate or suspend your account immediately, without prior notice, if you breach these Terms or engage in fraudulent or abusive behavior.

12. Governing Law

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

13. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall first be attempted to be resolved through informal negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

You agree to waive any right to a jury trial or to participate in a class action lawsuit against FixMyCredit99.

14. Contact Information

For questions about these Terms, please contact us at:

Email: support@fixmycredit99.com