Terms of Service

By accessing or using DisputePro AI ("Service"), operated by ImproveU LLC, 296 N Millard Ave, Fresno, CA 93727 ("Company", "we", "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

DisputePro AI is a software-as-a-service (SaaS) platform that provides credit repair business owners with tools for managing clients, generating dispute letters, tracking credit scores, processing payments, and automating workflows. The Service is designed for licensed credit repair organizations operating in compliance with the Credit Repair Organizations Act (CROA) and applicable state laws.

You must be at least 18 years old and have the legal authority to enter into this agreement. By using the Service, you represent that you are a legitimate credit repair business or authorized representative operating in compliance with all applicable federal and state regulations, including the CROA, Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).

You must provide accurate, complete information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately of any unauthorized access. We reserve the right to suspend or terminate accounts that violate these terms.

The Service offers tiered subscription plans (Starter, Growth, Credit Empire) billed monthly. By subscribing, you authorize recurring charges to your selected payment method.

• Subscriptions are billed through our payment processor, Stripe.
• All prices are in USD unless otherwise stated.
• You may upgrade, downgrade, or cancel your subscription at any time through your billing portal.
• Subscription changes take effect at the start of the next billing cycle.
• We may offer free trials. At the end of a trial, your subscription will automatically convert to a paid plan unless cancelled.

If you use the Authorize.net integration to process payments from your clients, you are solely responsible for compliance with payment card industry (PCI) standards, applicable payment regulations, and your merchant account terms. DisputePro AI does not store credit card numbers — all payment data is tokenized through Authorize.net's Customer Information Manager (CIM).

You agree not to:

• Use the Service for any unlawful purpose or in violation of CROA, FCRA, or FDCPA
• Submit false, misleading, or fraudulent dispute letters
• Attempt to reverse-engineer, decompile, or access the source code of the Service
• Share your account credentials with unauthorized users
• Use the Service to harass, abuse, or harm any person
• Overload, disrupt, or interfere with the Service infrastructure

The Service uses artificial intelligence to assist with dispute letter generation, credit analysis, and recommendations. AI-generated content is provided as a starting point and should be reviewed by a qualified professional before use. We do not guarantee the accuracy, completeness, or legal sufficiency of AI-generated output. You are solely responsible for all letters and communications sent on behalf of your clients.

You retain ownership of all client data you upload to the Service. We process your data solely to provide the Service as described in our Privacy Policy. We implement industry-standard encryption (AES-256-GCM) for sensitive data including Social Security numbers and payment credentials.

ImproveU LLC (296 N Millard Ave, Fresno, CA 93727) operates a text messaging program (the "Program") for DisputePro AI and for the credit repair businesses that use DisputePro AI to text their own clients. By opting in, you agree to the following terms.

• Program description: Account notifications, appointment reminders, service updates, and replies to your messages, sent by DisputePro AI or by the business you work with, through DisputePro AI.
• How to opt in: Check the text-message consent box on a web form or when you activate your client portal. The box is unchecked by default and is optional.
• Message frequency varies.
• Message and data rates may apply.
• Help: Reply HELP for help, or contact us at support@disputepro.net.
• Opt out: Reply STOP to cancel at any time. You will receive one final text confirming that you have been unsubscribed, and no further texts will be sent unless you opt in again.
• Carriers are not liable for delayed or undelivered messages.
• Consent is not a condition of purchase. You can use the Service, submit a form, or activate your client portal without agreeing to receive text messages.
• Privacy: See the Text Messaging section of our Privacy Policy for how your mobile information and consent are handled.

If you are a business using the Service to text your clients, you may send text messages only to people who have given prior express consent to receive them, you must honor every opt-out request, and you are responsible for your messages complying with the Telephone Consumer Protection Act (TCPA), carrier requirements, and all other applicable laws.

The Service, including its software, design, trademarks, and documentation, is owned by ImproveU LLC. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service for your business purposes during the subscription term.

To the maximum extent permitted by law, DisputePro AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities. Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

The Service is provided "as is" and "as available" without warranties of any kind. We do not warrant that the Service will be uninterrupted, error-free, or secure. We are not a law firm and do not provide legal advice. The Service is a tool for credit repair business operations and does not substitute for professional legal counsel.

We may suspend or terminate your access to the Service at any time for violation of these terms, with or without notice. Upon termination, your right to use the Service ceases immediately. You may export your data within 30 days of termination by contacting support.

We reserve the right to modify these terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Continued use of the Service after changes constitutes acceptance.

These terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

For questions about these terms, contact us at:

Email: support@disputepro.net