Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Partner," "you," or "your") and DisputeJet, Inc. ("DisputeJet," "we," "us," or "our") governing your access to and use of the DisputeJet platform, including our website, applications, and services (collectively, the "Service").

By creating an account, accessing, or using the Service, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Service Description

DisputeJet provides a Compliance-as-a-Service (CaaS) platform for credit repair professionals ("Partners") to manage client relationships, generate FCRA-compliant dispute letters, track workflows, and operate white-label businesses.

2.1 Platform Features

• White-label website builder with drag-and-drop components
• Lead capture, CRM, and AI-powered nurturing sequences
• Credit report analysis using Google Gemini AI
• Automated FCRA-compliant dispute letter generation
• Physical mail delivery via Click2Mail integration
• Audit trails and compliance logging
• Partner revenue share and subscription management
• Real-time notifications and progress tracking

2.2 What We Are NOT

• We are NOT a law firm and do not provide legal advice
• We are NOT a credit repair organization—our Partners are
• We do NOT guarantee specific credit score improvements
• We are infrastructure providers—Partners are responsible for their own compliance

3. Account Registration & Eligibility

3.1 Eligibility Requirements

You must:

• Be at least 18 years old
• Have legal authority to enter into these Terms
• Operate a legitimate credit repair business or plan to start one
• Comply with all applicable laws, including FCRA, state credit services laws, and consumer protection regulations
• Provide accurate, complete registration information

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized access or security breach.

4. Partner Compliance Obligations

CRITICAL: As a Partner using DisputeJet to operate a credit repair business, you are responsible for:

4.1 Legal Compliance

• FCRA Compliance: Follow all Fair Credit Reporting Act requirements
• State Licensing: Obtain required state licenses (e.g., surety bonds where required)
• Credit Services Organization Acts: Comply with state-specific CSO laws
• Consumer Contracts: Provide required disclosures and cancellation rights to clients
• Prohibited Practices: Do NOT make false promises, guarantee specific results, or charge upfront fees where prohibited

4.2 Client Consent

You must obtain proper consent from clients before:

• Accessing their credit reports
• Submitting disputes on their behalf
• Communicating with credit bureaus or creditors
• Charging fees for services

4.3 Letter Review Requirement

While DisputeJet generates FCRA-compliant dispute letter templates, YOU must review and approve all letters before they are sent. AI-generated content should be reviewed for accuracy and appropriateness.

5. Payment Terms & Revenue Share

5.1 Progressive Revenue Share Model

DisputeJet operates on a progressive revenue share model:

• Tier 1 (Starter): Keep 60% of client revenue
• Tier 2 (Professional): Keep 75% of client revenue
• Tier 3 (Enterprise): Keep 88% of client revenue

Revenue share applies to all payments collected from your clients through the platform. You are automatically upgraded to higher tiers as your monthly revenue grows.

5.2 Payment Processing

Payments are processed through Chargebee. You authorize us to charge your payment method for applicable fees. Failed payments may result in service suspension.

5.3 Refund Policy

Monthly subscriptions: Full refund within first 30 days if not satisfied. Revenue share fees are non-refundable as they represent platform usage costs already incurred.

6. Prohibited Uses

You agree NOT to:

• Violate any laws, including FCRA, CROA, state CSO laws, or consumer protection regulations
• Make false or misleading claims about credit repair results
• Charge upfront fees where prohibited by law
• Submit frivolous or fraudulent disputes
• Impersonate DisputeJet or other Partners
• Reverse engineer, decompile, or attempt to extract source code
• Use the Service to spam, phish, or conduct illegal activities
• Share your account credentials with others
• Scrape or harvest data from the platform

7. Intellectual Property

7.1 DisputeJet's IP

The Service, including software, design, branding, and content, is owned by DisputeJet and protected by copyright, trademark, and other intellectual property laws. "DisputeJet" and our logo are trademarks.

7.2 Your Content

You retain ownership of content you upload (client data, credit reports, custom branding). By uploading, you grant us a license to process, store, and display this content as necessary to provide the Service.

7.3 White-Label License

Partners receive a limited, non-exclusive license to use the white-label features (custom branding, subdomains) for their business. This license terminates upon account cancellation.

8. Service Availability & Modifications

We strive for 99.9% uptime but do not guarantee uninterrupted access. We may modify, suspend, or discontinue features with reasonable notice. Scheduled maintenance will be announced in advance.

We reserve the right to update these Terms. Material changes will be communicated via email 30 days before taking effect. Continued use after changes constitutes acceptance.

9. Data & Privacy

Your use of the Service is also governed by our Privacy Policy. We collect, use, and protect data as described in that policy.

You are responsible for protecting client data and obtaining necessary consents. You must comply with GDPR (if serving EU clients), CCPA (if serving California clients), and all applicable privacy laws.

10. Termination

10.1 By You

You may cancel your account at any time from your account settings. Cancellation takes effect at the end of your current billing period. You remain responsible for fees incurred before cancellation.

10.2 By Us

We may suspend or terminate your account if:

• You violate these Terms or applicable laws
• You engage in fraudulent or abusive behavior
• Your account is inactive for 12 months
• We are required to do so by law or court order
• Payment failures exceed 30 days

We will provide reasonable notice before termination except in cases of legal violations or security threats.

10.3 Effect of Termination

Upon termination, you lose access to the Service. You may export your data within 30 days. We retain audit logs and dispute records as required by FCRA (typically 7 years).

11. Disclaimers & Limitations

11.1 No Legal Advice

DisputeJet does NOT provide legal advice. While we provide FCRA-compliant templates and compliance tools, you are responsible for ensuring your business practices comply with all applicable laws. Consult a lawyer for legal guidance.

11.2 No Guarantee of Results

We do not guarantee:

• Specific credit score improvements for clients
• Successful removal of negative items from credit reports
• Specific revenue or business outcomes for Partners
• Compatibility with all third-party services

11.3 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTEJET SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages exceeding fees paid to us in the 12 months preceding the claim
• Partner's non-compliance with FCRA or other laws
• Third-party service failures (SendGrid, Twilio, Click2Mail, etc.)

12. Indemnification

You agree to indemnify, defend, and hold harmless DisputeJet from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your violation of FCRA or other laws
• Your credit repair business practices
• Disputes with your clients
• Your content or client data
• Infringement of third-party rights

13. Dispute Resolution

13.1 Informal Resolution

Before filing a claim, contact us at legal@disputejet.com to resolve disputes informally. We commit to responding within 10 business days.

13.2 Arbitration Agreement

Any disputes not resolved informally shall be resolved through binding arbitration in accordance with the American Arbitration Association rules. You waive the right to a jury trial or class action.

13.3 Governing Law

These Terms are governed by the laws of Delaware, USA, without regard to conflict of law principles.

14. Partner Responsibilities Summary

15. Contact Information

For questions about these Terms:

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and DisputeJet regarding the Service and supersede all prior agreements.