Provider grants Customer a non-exclusive, non-transferable right to access and use the TrueCreditIQ platform ("Services") during the term of this Agreement. Services include the dashboard, AI-assisted dispute letter generation, the audit-driven dispute workflow tools, the client portal, and related infrastructure.
This Agreement begins on the date Customer accepts these terms ("Effective Date"). Customer's subscription auto-renews monthly until cancelled. Either party may cancel with at least seven (7) days' notice prior to the next renewal. Customer remains responsible for any usage incurred prior to cancellation.
Customer agrees to pay subscription fees according to the plan selected at signup. All fees are charged in advance via Stripe. Failed payments after seven (7) days' notice may result in suspension of access. Refunds are issued in accordance with the plan terms and applicable consumer protection law.
Customer is solely responsible for all activity conducted using Customer's account. Customer agrees not to:
Provider may suspend Services immediately and without prior notice if Provider has reasonable grounds to believe Customer is violating this section.
Customer retains ownership of all data Customer uploads to or generates on the platform, including client records, credit reports, dispute letters, and signed contracts. Provider holds Customer Data in trust and processes it solely to provide the Services. Customer may export Customer Data at any time. Upon termination, Provider will retain Customer Data for thirty (30) days, after which it may be deleted unless Customer requests earlier deletion.
Each party will hold the other's Confidential Information in strict confidence and will not disclose it to any third party except as required by law. Confidential Information includes Customer Data, Provider's source code and algorithms, pricing, and any non-public materials marked confidential or that a reasonable person would understand to be confidential. This obligation survives termination for two (2) years.
Customer is solely responsible for compliance with all federal and state credit-repair, consumer-protection, and data-privacy laws applicable to Customer's services to its own clients. Provider provides software tools and methodology guidance; Provider does not provide legal advice and does not represent that any specific dispute strategy will succeed. Customer is responsible for ensuring its own client agreements satisfy the Credit Repair Organizations Act and any applicable state Credit Services Organization laws.
The Services are provided "AS IS" and "AS AVAILABLE." Provider makes no warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Services will be uninterrupted or error-free. No oral or written information given by Provider, its employees, or its agents creates a warranty.
To the maximum extent permitted by law, Provider's aggregate liability arising from or related to this Agreement will not exceed the amount Customer paid Provider during the three (3) months preceding the event giving rise to the claim. Provider will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, or lost data.
Customer agrees to indemnify and hold Provider harmless from and against any claims, damages, or expenses (including reasonable attorneys' fees) arising from (a) Customer's use of the Services, (b) any dispute letter or communication generated using the Services and sent to a third party, (c) Customer's violation of this Agreement or applicable law, or (d) Customer's relationship with its own clients.
Either party may terminate this Agreement for material breach if the breach is not cured within thirty (30) days after written notice (seven (7) days for non-payment). Upon termination, Customer's access ceases and any prepaid fees for unused service may be refunded at Provider's discretion subject to the cancellation terms.
This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute arising out of this Agreement will be resolved in state or federal courts located in Texas.
Provider may revise this Agreement from time to time. If a revision is material, Customer will be required to re-accept the updated agreement before continuing to use the Services. Continued use of the Services following non-material updates constitutes acceptance.
This Agreement, together with any schedules and the privacy policy, constitutes the entire agreement between the parties regarding the Services and supersedes all prior or contemporaneous agreements regarding such subject matter.