Terms and Conditions for AI Credit Repair Tools
Introduction
Welcome to AI Credit Repair, your premier source for AI-driven tools to assist in managing and improving your credit. Our products utilize advanced algorithms to provide suggestions and generate automated dispute letters, helping you understand and potentially improve your credit standing using technology.
Acceptance of Terms
By accessing and using our website and tools, you acknowledge and agree to these Terms and Conditions and to our. You understand that we are not a credit repair company and we do not offer credit repair services.
Description of Services
We provide AI-powered tools designed to:
- Generate dispute letters based on user inputs.
- Offer suggestions on credit utilization and potential improvements.
- Analyze credit reports for possible inaccuracies (user-provided).
We do not provide personalized financial advice or credit repair services.
Disclaimer of Credit Repair Services
We are not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Our tools do not provide customized advice or assistance in repairing, modifying, or deleting information in your credit report.
No Guarantee of Results
Our tools operate to provide suggestions and generate potential dispute documents. We do not guarantee any improvement to your credit score or report. Use of our tools does not ensure any changes to your credit history or improvements in your financial situation.
Compliance with Laws
Our tools comply with applicable federal and state laws in the U.S. related to credit and financial advice:
- Fair Credit Reporting Act (FCRA): Our tools help you understand potential inaccuracies in your credit reports, which you can then choose to dispute on your own accord.
- Credit Repair Organizations Act (CROA): We are not covered by this Act as we do not promise, nor do we perform credit repair services. Our tools serve as a facilitator in your personal credit management efforts.
User Responsibilities
It is your responsibility to ensure that the information you provide is accurate, and you use our tools according to these terms. You should independently verify all suggestions made by our tools before taking action.
Limitation of Liability
AI Credit Repair shall not be liable for any damages, including but not limited to direct, indirect, special, incidental, or consequential damages or losses that occur due to the use or inability to use our products.
Indemnification
You agree to indemnify, defend, and hold harmless AI Credit Repair and its affiliates, officers, agents, employees, and partners from any and all claims or demands, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of our tools, your violation of these Terms, or your violation of any rights of another.
Amendment of Terms
We reserve the right to amend these terms at any time. Your continued use of our tools following the posting of changes will mean that you accept and agree to the changes.
