Terms of Service

1. Acceptance of Terms

By creating an account, clicking "I Agree," or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be legally bound by these Terms.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Nature of the Service (CROA Positioning)

DisputeValet.com is a self-service software-as-a-service (SaaS) platform that allows users to organize, generate, and manage credit-related dispute information.

DisputeValet.com:

• Is not a credit repair organization as defined under the Credit Repair Organizations Act ("CROA")
• Does not provide credit repair services
• Does not provide legal advice, financial advice, or credit counseling
• Does not communicate with credit bureaus, creditors, or lenders on your behalf

All actions taken using the Service are initiated and controlled solely by the user.

3. Fair Credit Reporting Act (FCRA) Notice

DisputeValet.com is not a consumer reporting agency as defined under the Fair Credit Reporting Act ("FCRA") and does not assemble, evaluate, or furnish consumer credit information for the purpose of providing consumer reports.

Any credit information entered into the Service is provided directly by the user and is not independently verified by DisputeValet.com.

4. No Professional Advice

All content, templates, workflows, recommendations, and guidance provided through the Service are for general informational purposes only and do not constitute legal, financial, credit, or professional advice.

You are solely responsible for consulting licensed professionals before taking any action based on information obtained through the Service.

5. No Guarantee of Results

DisputeValet.com makes no guarantees or representations regarding:

• credit score changes,
• successful dispute outcomes,
• removal of items from credit reports, or
• lender or credit bureau decisions.

Results vary based on individual circumstances and third-party actions beyond our control.

6. User Responsibilities

You are solely responsible for:

• the accuracy, completeness, and legality of information you provide,
• reviewing and validating all generated content before use,
• compliance with all applicable federal, state, and local laws, and
• all actions taken based on your use of the Service.

You may not use the Service for unlawful, deceptive, fraudulent, or abusive purposes.

7. Account Registration and Security

Certain features require account registration. You agree to:

• provide accurate and current information,
• maintain the confidentiality of your login credentials, and
• notify us immediately of any unauthorized access.

You are responsible for all activity conducted through your account.

8. Fees and Subscriptions

Some features of the Service require payment. All fees are disclosed prior to purchase. Unless otherwise required by law, all fees are non-refundable.

DisputeValet.com reserves the right to modify pricing or features with reasonable notice.

9. Intellectual Property

All software, content, trademarks, logos, and materials associated with the Service are owned by DisputeValet.com or its licensors and are protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for personal or internal business purposes only.

10. Third-Party Services

The Service may reference or link to third-party websites, credit bureaus, lenders, or service providers. DisputeValet.com does not control or endorse third-party content and is not responsible for their availability, accuracy, or practices.

Your interactions with third parties are solely between you and the third party.

11. Disclaimer of Warranties

The Service is provided "as-is" and "as-available."

To the fullest extent permitted by law, DisputeValet.com disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that the Service will be uninterrupted, error-free, or secure.

12. Limitation of Liability

To the maximum extent permitted by law, DisputeValet.com shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of data, credit score impacts, legal consequences, or business interruption.

In no event shall DisputeValet.com's total liability exceed the amount you paid to DisputeValet.com in the twelve (12) months preceding the event giving rise to the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless DisputeValet.com and its owners, officers, employees, and agents from any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising from:

• your use of the Service,
• your violation of these Terms, or
• your violation of any applicable law or third-party rights.

14. Termination

DisputeValet.com may suspend or terminate your access to the Service at any time, with or without notice, if you violate these Terms or applicable law.

Upon termination, your right to use the Service will immediately cease.

15. Mandatory Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through final and binding arbitration, rather than in court.

Arbitration shall:

• be conducted by the American Arbitration Association (AAA),
• be conducted on an individual basis only, and
• take place in Minnesota, unless the parties agree to a remote proceeding.

DisputeValet.com will pay required AAA filing and arbitrator fees for consumer claims to the extent required by applicable rules.

16. Arbitration Opt-Out

You may opt out of this arbitration agreement by sending written notice within 30 days of first accepting these Terms.

Your opt-out notice must include:

• your full name,
• the email address associated with your account, and
• a clear statement that you are opting out of arbitration.

Send opt-out notices to:

Email: support@disputevalet.com

Subject Line: Arbitration Opt-Out

Opting out of arbitration does not affect any other provision of these Terms.

17. Class Action Waiver

You agree that all disputes shall be resolved only on an individual basis.

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION.

If this class action waiver is found unenforceable, the arbitration agreement shall be null and void.

18. Venue and Jurisdiction

If arbitration does not apply, any legal action or proceeding shall be brought exclusively in the state or federal courts located in the State of Minnesota, and you consent to personal jurisdiction and venue in those courts.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to conflict-of-law principles.

20. Changes to Terms

DisputeValet.com may update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

21. Contact Information

If you have questions about these Terms of Service or the Service, please contact:

Email: support@disputevalet.com

Website: https://www.disputevalet.com