EFFECTIVE: June 2026 — Version v1-2026-06
These Terms of Service ("Terms") govern your use of Credit Wizard A.I ("App", "we", "us"). By creating an account or using the App, you agree to these Terms, the Privacy Policy, and the in-app Disclaimer & Hold-Harmless Agreement.
1. ELIGIBILITY.
You are 18 or older and able to form a binding contract.
2. WHAT WE ARE / WHAT WE ARE NOT.
We are a self-help educational platform. We are NOT a law firm, NOT a credit-repair organization acting on your behalf, NOT a credit bureau, and NOT a guarantor of any outcome. Every letter, complaint, dispute, and report is generated for YOU to review, sign, mail, and submit as a self-represented consumer.
3. NO GUARANTEE — RESULTS VARY.
Credit repair outcomes vary widely throughout the App. We make no guarantee, representation, or warranty that any item will be removed, updated, blocked, settled, or improved; that your score will rise by any amount; or that bureaus or furnishers will respond favorably or at all.
4. NO MISLEADING CLAIMS.
Effectiveness ratings, before/after examples, testimonials, and similar copy are illustrative only and do not predict outcomes for your file.
5. AI-GENERATED CONTENT.
AI-generated letters, summaries, and suggestions are educational templates and should be reviewed before submission. We disclaim all warranties regarding AI output.
6. SUBSCRIPTIONS, BILLING, REFUNDS & CANCELLATION.
Paid plans are billed in advance. Refunds are available ONLY within twenty-four (24) hours of the original purchase or renewal — see the full Refund Policy. After the 24-hour window, all sales are final and non-refundable except where required by law. You may cancel at any time from the in-app Cancel Subscription page; cancellation stops future billing but does not by itself refund the current term. If billing fails, access may be suspended.
6A. YOU ARE RESPONSIBLE FOR YOUR OWN DISPUTES.
Credit Wizard A.I is a self-help educational platform and AI-powered credit letter generator. You — not us — are responsible for printing, signing, mailing (or uploading via each bureau's own official portal), and managing every dispute, letter, complaint, FTC report, certified-mail tracking number, and bureau response inside your own private CRM. We never file, send, or submit anything on your behalf and we are not your agent or attorney.
7. SUPPORT.
Reach us via the in-app Support page. We respond to most tickets within 2 business days.
8. ACCEPTABLE USE.
You will not use the App to dispute information you know to be accurate, fabricate identity-theft claims, file false government reports, evade lawful debts, harass others, scrape the App, resell or white-label our methods or templates, or violate any law.
9. ASSUMPTION OF RISK, INDEMNIFICATION & LIMITATION OF LIABILITY.
See the in-app Disclaimer & Hold-Harmless Agreement, which is incorporated by reference. Total aggregate liability is limited to the amount you paid us in the 6 months before the claim, or USD $100, whichever is less. We are not liable for indirect, incidental, consequential, special, punitive, or exemplary damages.
10. NDA / NO-LITIGATION ACKNOWLEDGMENT.
You also agree to the in-app Non-Disclosure & No-Litigation Acknowledgment, incorporated here.
11. BINDING ARBITRATION & CLASS-ACTION WAIVER.
Any dispute between you and us is resolved by final, binding individual arbitration. You waive the right to a jury trial and to participate in any class, collective, or representative action. You may opt out of arbitration within 30 days of first acceptance by emailing us.
12. ACCOUNTS, SECURITY & TWO-STEP VERIFICATION.
You are responsible for activity under your account. We may require email-based two-step verification at login or before sensitive actions, including subscription changes.
13. CHANGES.
We may update these Terms. Material changes require you to re-accept.
14. GOVERNING LAW & VENUE.
Governed by the laws of the state in which the App operator is domiciled, excluding conflict-of-laws rules. Exclusive venue lies in that state for any non-arbitrable claim.
15. ENTIRE AGREEMENT.
These Terms, the Privacy Policy, the Disclaimer & Hold-Harmless Agreement, and the NDA together constitute the entire agreement. If any provision is unenforceable, the rest remains in force.