Dispute Gene AI

Legal

Terms of Service

Last updated: July 6, 2026

These Terms of Service (the “Terms”) form a binding legal agreement between you and Dispute Gene AI (“we,” “us,” “our,” or the “Company”) governing your access to and use of the Dispute Gene AI software-as-a-service platform, websites, APIs, mobile experiences, and any related services (collectively, the “Services”). By creating an account, clicking “I agree,” accessing the Services, or by any other affirmative act signaling acceptance, you agree to be bound by these Terms. If you do not agree, you must not access or use the Services.

1. The Parties & Nature of the Services

Dispute Gene AI is a white-label software infrastructure provider. We license technology to businesses (each, a “Tenant”) that operate independent credit-education, financial-coaching, or credit-repair practices. We are not a credit repair organization, credit services organization, credit reporting agency, consumer reporting agency, debt collector, law firm, financial advisor, broker, or fiduciary. We do not perform credit repair, negotiate with creditors, dispute items on behalf of consumers, extend credit, or provide legal advice. All consumer-facing services delivered through workspaces powered by our Services are provided by the Tenant, not by us.

2. Eligibility & Account Registration

You represent and warrant that you are at least 18 years old, have full legal capacity to enter into these Terms, are not barred from receiving the Services under the laws of any applicable jurisdiction, and are not located in, under the control of, or a national or resident of any country or on any list to which the export of software is restricted by U.S. or other applicable law. You agree to (a) provide accurate, current, and complete information at registration; (b) maintain and promptly update that information; (c) safeguard your credentials; and (d) accept responsibility for all activity that occurs under your account.

3. Subscriptions, Fees & Taxes

3.1 Plans.

The Services are offered on a subscription basis. Applicable fees, features, and usage limits are described at checkout or in an order form. Unless otherwise stated, subscriptions renew automatically at the then-current rate for successive periods equal to the initial term until cancelled through the account interface.

3.2 Payment.

You authorize us and our payment processors to charge your designated payment method for all fees. If a charge is declined, we may suspend or terminate the Services without notice. All fees are non-refundable except where required by law or expressly stated in writing.

3.3 Taxes.

Fees are exclusive of all taxes, levies, and duties. You are responsible for all such amounts other than taxes on our net income.

3.4 Usage-Based Charges.

Certain features (including AI generations, physical mail credits, SMS, and third-party pass-through fees) are metered. Consumption is billed at published rates. Unused credits expire per the plan terms and are not refundable.

4. Acceptable Use

You will not, and will not permit any third party (including your users, clients, or contractors) to:

  • violate any applicable law, rule, regulation, or third-party right, including the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, Gramm-Leach-Bliley Act (GLBA), state Credit Services Organization statutes, or the laws of any other jurisdiction in which you operate;
  • make false, misleading, or deceptive statements to consumers about the origin, results, timing, or guarantees of credit-related services;
  • advise consumers to make untrue or misleading statements to any credit reporting agency, creditor, or government agency, or to alter their identifying information for the purpose of obtaining credit or evading debt;
  • collect fees prohibited by CROA or state law, including fees for services not yet fully rendered where advance-fee prohibitions apply;
  • upload, transmit, or process any content that is unlawful, defamatory, obscene, infringing, harassing, or that contains malware, ransomware, or other harmful code;
  • attempt to gain unauthorized access to the Services or any related system, probe or scan for vulnerabilities, or circumvent authentication, security, rate limiting, or usage controls;
  • reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, models, or training data of the Services, except to the extent expressly permitted by law;
  • use the Services to build a competing product or benchmark for competitive purposes;
  • resell, sublicense, time-share, or lease the Services other than through the Tenant-to-end-user model expressly contemplated by your subscription;
  • use the Services to send unsolicited communications, spam, or messages in violation of TCPA, CAN-SPAM, CASL, or similar laws; or
  • process the special-category or sensitive personal data of any individual unless expressly authorized in writing and supported by a separately executed Data Processing Addendum.

5. Consumer-Facing Compliance (Tenant Obligations)

If you use the Services to deliver credit-related services to consumers, you are a “credit repair organization” or “credit services organization” under applicable law and are solely responsible for compliance. This includes, without limitation: (a) providing all consumer disclosures required by CROA §405 and analogous state law; (b) executing written contracts that comply with CROA §406 and providing the mandatory notice of cancellation; (c) honoring the three-business-day right of rescission; (d) securing any required state bonds, registrations, or licenses; (e) truthful advertising; (f) proper handling and safeguarding of nonpublic personal information under GLBA; and (g) obtaining consumer consent before pulling or sharing credit reports. You will indemnify us against any claim arising from your failure to comply with these obligations as further set forth in Section 12.

6. AI Features

The Services include artificial-intelligence-assisted drafting, summarization, and analysis (“AI Output”). AI Output is generated probabilistically, may be inaccurate, incomplete, or reflect training biases, and must be reviewed and approved by a qualified human before it is sent to a consumer, creditor, credit reporting agency, or government entity. You are solely responsible for AI Output that you review, adopt, transmit, or otherwise put into use, including its factual accuracy and legal compliance. You will not represent AI Output as being authored, reviewed, or verified by an attorney unless it in fact has been. You grant us the right to process your inputs solely to provide, secure, and improve the Services, subject to our Privacy Policy. We do not use Tenant-submitted consumer personal information to train foundation models.

7. Third-Party Services & Integrations

The Services may integrate with third-party services (payment processors, print/mail vendors, credit-monitoring APIs, email/SMS providers, calendar systems, webhooks, and messaging platforms). Your use of those third-party services is governed by their own terms and privacy policies, which you must accept directly. We are not responsible for third-party services, their availability, their data-handling practices, or any consequences of using them. Enabling an integration authorizes us to transmit the data necessary to operate that integration on your behalf.

8. Intellectual Property

As between the parties, we and our licensors retain all right, title, and interest in and to the Services, including all software, models, workflows, templates, documentation, trademarks, and derivative works. You retain ownership of your Tenant Content (data, files, letters, brand assets, and consumer records you upload or generate). You grant us a worldwide, non-exclusive, royalty-free license to host, copy, transmit, display, and process Tenant Content solely to provide, secure, and improve the Services and to comply with law. Feedback you provide may be used by us without restriction or compensation.

9. Confidentiality

Each party will protect the other's non-public business information using at least the same degree of care it uses to protect its own confidential information, and in no event less than a reasonable standard. Confidential information may be used only to perform under these Terms and disclosed only to personnel with a need to know who are bound by written obligations of confidentiality.

10. Suspension & Termination

We may suspend or terminate your access, immediately and without prior notice, if we reasonably believe you have breached these Terms, if your account is delinquent, if continued provision of the Services would expose us or any third party to legal liability or security risk, or if required by law. You may terminate at any time by cancelling your subscription in-product. Upon termination, your right to access the Services ceases. We may retain Tenant Content for up to 30 days after termination to enable export or reactivation, after which we may delete it. Sections that by their nature should survive termination will survive, including Sections 3, 4, 6, 8, 9, 11, 12, 13, 14, and 15.

11. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT (A) THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) ANY DEFECT WILL BE CORRECTED; (C) AI OUTPUT WILL BE ACCURATE; OR (D) USE OF THE SERVICES WILL PRODUCE ANY PARTICULAR CREDIT-SCORE, FINANCIAL, OR BUSINESS OUTCOME. NOTHING IN THE SERVICES CONSTITUTES LEGAL, FINANCIAL, TAX, OR CREDIT-COUNSELING ADVICE.

12. Indemnification

You will defend, indemnify, and hold harmless Dispute Gene AI and its officers, directors, employees, agents, affiliates, licensors, and successors from and against any and all third-party claims, demands, actions, proceedings, losses, damages, liabilities, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your or your users' use of the Services; (b) your Tenant Content; (c) your violation of these Terms, applicable law, or any third-party right; (d) any dispute between you and a consumer, client, employee, or contractor; (e) your role as a credit repair organization, credit services organization, debt collector, lender, or financial coach; and (f) any AI Output you reviewed, adopted, transmitted, or acted upon.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS OPPORTUNITIES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE LESSER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). MULTIPLE CLAIMS DO NOT ENLARGE THIS CAP. THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN AND APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

14. Dispute Resolution; Binding Arbitration; Class Waiver

Please read this section carefully. It requires binding individual arbitration and waives your right to a jury trial and to participate in a class action.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a “Dispute”) will be resolved by binding, individual arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, before a single arbitrator, in the State of Delaware (or via video conference at the arbitrator's discretion). Judgment on the award may be entered in any court having jurisdiction. Each party will bear its own attorneys' fees except as otherwise required by applicable law. Either party may bring an individual action in small-claims court for Disputes within that court's jurisdiction. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If this class waiver is found unenforceable, then the entirety of this arbitration provision will be null and void. You may opt out of arbitration within 30 days of first accepting these Terms by emailing legal notice via our contact page with the subject line “Arbitration Opt-Out.”

15. Governing Law & Venue

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Subject to Section 14, any action not subject to arbitration will be brought exclusively in the state or federal courts located in Delaware, and each party consents to personal jurisdiction and venue there.

16. Export, Sanctions & Anti-Corruption

You will comply with all applicable export-control, sanctions, and anti-corruption laws, including the U.S. Export Administration Regulations, OFAC sanctions programs, and the Foreign Corrupt Practices Act.

17. Modifications

We may modify these Terms from time to time. Material changes will be notified in-product or by email at least 15 days before they take effect. Continued use of the Services after the effective date constitutes acceptance. If you do not agree, your sole remedy is to stop using and cancel the Services before the effective date.

18. Miscellaneous

These Terms, together with the Privacy Policy, Cookie Policy, Acceptable Use Policy, Data Processing Addendum (if executed), and any order form, constitute the entire agreement between the parties and supersede all prior agreements on the subject matter. If any provision is held unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right is not a waiver. You may not assign these Terms without our prior written consent; we may assign freely. Notices to us must be sent through the contact page; notices to you may be sent to the email associated with your account. There are no third-party beneficiaries. Force majeure events excuse performance to the extent caused by circumstances beyond a party's reasonable control.

19. Contact

Questions about these Terms may be sent through our contact page.

This page is maintained by Dispute Gene AI and describes the platform's practices as an infrastructure provider. Tenants (workspace owners) that resell services to their own customers are independent businesses and must publish their own policies for the offerings they sell. Nothing on this page is legal advice.