Welcome to ScoreFixer AI. These Terms of Service ("Terms") govern your use of the ScoreFixer AI website at www.scorefixerai.com and our mobile application (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. Description of Service

ScoreFixer AI is an AI-powered tool that helps consumers analyze their credit reports, identify potential errors and inaccuracies, and generate dispute letters. The Service provides educational information and tools to assist you in exercising your rights under the Fair Credit Reporting Act (FCRA).

ScoreFixer AI is not a credit repair organization as defined under the Credit Repair Organizations Act (CROA). We do not contact credit bureaus, creditors, or collectors on your behalf. All disputes are initiated and sent by you.

2. No Guarantee of Results

We do not and cannot guarantee any specific outcome from using our Service, including but not limited to:

  • Removal of any specific item from your credit report
  • Any specific improvement to your credit score
  • Approval for any credit product, loan, or financial service
  • Any specific response from credit bureaus or data furnishers

Credit report outcomes depend on many factors outside our control, including the accuracy of the information on your report, the responsiveness of credit bureaus and data furnishers, and applicable laws and regulations.

3. Your Rights Under Federal Law

Under the FCRA, you have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. You do not need to use ScoreFixer AI or any other service to exercise this right. For more information, visit the Consumer Financial Protection Bureau at consumerfinance.gov.

4. Eligibility

You must be at least 18 years old and a legal resident of the United States to use the Service. By using the Service, you represent that you meet these requirements.

5. Account Responsibilities

When you create an account, you agree to:

  • Provide accurate and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access to your account
  • Accept responsibility for all activity that occurs under your account
  • Only upload your own credit report data or data you are legally authorized to access

6. Acceptable Use

You agree not to use the Service to:

  • Upload credit report data belonging to someone else without their authorization
  • Generate dispute letters containing false or misleading information
  • File fraudulent disputes or engage in credit repair fraud
  • Violate any applicable law, regulation, or third-party rights
  • Attempt to reverse engineer, decompile, or disassemble the Service
  • Interfere with or disrupt the Service or its infrastructure
  • Use the Service for any commercial purpose without our written consent

7. Credit Report Data

When you upload credit report data to the Service:

  • You retain ownership of your data at all times
  • You grant us a limited license to process your data solely to provide the Service
  • We will handle your data in accordance with our Privacy Policy
  • You can request deletion of your data at any time

8. Intellectual Property

The Service, including its design, features, content, and technology, is owned by ScoreFixer AI and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our written permission.

Dispute letters generated by the Service are provided for your personal use. You may use, modify, and send them as part of your credit dispute process.

9. Payment Terms

If you purchase a paid plan:

  • Prices are listed on our website and may change with notice
  • Payments are processed by our third-party payment processor
  • Subscriptions renew automatically unless cancelled before the renewal date
  • You may cancel your subscription at any time through your account settings
  • Refunds are handled on a case-by-case basis

10. Disclaimer of Warranties

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

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any errors will be corrected. We do not warrant the accuracy or completeness of any analysis or recommendations provided by the Service.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCOREFIXER AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

  • Your use of or inability to use the Service
  • Any changes to or termination of the Service
  • Unauthorized access to your data
  • Any third-party conduct on the Service
  • Any outcome of credit disputes initiated using materials generated by the Service

12. Indemnification

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

13. Termination

We may suspend or terminate your access to the Service at any time for violation of these Terms or for any other reason at our discretion. You may terminate your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately.

14. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be resolved in the courts located in Georgia.

15. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page. Your continued use of the Service after changes are posted constitutes your acceptance of the updated Terms.

16. Contact Us

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

Email: support@scorefixerai.com

Website: www.scorefixerai.com