Terms of Service

DisputeBadger is a software platform that helps credit repair organizations and credit repair professionals generate fact-specific dispute correspondence and mail it to consumer reporting agencies. DisputeBadger is a technology tool only. DisputeBadger is NOT a credit repair organization, is NOT a law firm, does NOT provide legal advice, and does NOT perform credit repair services for consumers. Letters produced through the Service are prepared to help a consumer exercise the consumer’s own rights under the Fair Credit Reporting Act (FCRA). We do not represent consumers or communicate with consumer reporting agencies on any consumer’s behalf. You are solely responsible for how you use the Service with your clients.

You must be at least 18 years old and using the Service for business purposes on behalf of a lawfully operating business. You are responsible for the accuracy of your account information, for keeping your credentials secure, and for all activity under your account. You may not share accounts or resell access except as expressly permitted in writing.

You are solely responsible for operating in compliance with all laws that apply to your business, including but not limited to the Credit Repair Organizations Act (CROA), the FCRA, the Telemarketing Sales Rule, the FTC Act, and all applicable state credit services organization (“CSO”) laws, including any registration, bonding, disclosure, contract, and cancellation-right requirements. You represent and warrant that:

1. you are lawfully permitted to provide credit repair or related services in every jurisdiction where you operate;
2. you will use pay-after-performance billing where required and will not charge unlawful advance fees;
3. you have obtained all consents, authorizations, and written agreements required to collect, upload, and process each consumer’s personal information through the Service, including authorization to dispute items and to mail correspondence in the consumer’s name;
4. every fact you submit about a consumer or a tradeline is accurate to the best of your knowledge, and you will not submit disputes you know to be frivolous or without a good-faith basis; and
5. you will provide consumers all disclosures and contract terms the law requires of you.

You agree that DisputeBadger has no obligation to monitor your compliance and assumes no responsibility for it.

Credit reporting outcomes depend on the consumer reporting agencies, furnishers, and the underlying facts. DisputeBadger does not and cannot guarantee that any item will be deleted, corrected, or updated, that any dispute will succeed, or that any credit score will change. You will not make, and will not enable your clients to make, any promise of specific results that the law prohibits.

You will not, and will not permit anyone to: use the Service for any unlawful, deceptive, or fraudulent purpose; submit false, forged, or stolen identity or documentation; impersonate any person; upload malware; attempt to breach security or access data that is not yours; scrape, reverse engineer, or resell the Service; or use the Service to send correspondence you are not authorized to send. We may suspend or terminate accounts that violate this section.

The Service is offered on subscription plans, and letter mailing is billed separately on a per-letter basis (including any letter credits you purchase). Current pricing is shown at https://www.disputebadger.com/pricing. Subscriptions renew automatically each billing period until canceled. Mailing charges are incurred when you submit a letter to be mailed and are generally non-refundable once a letter enters the mail stream, because we incur third-party printing and postage costs. Free trials, where offered, convert to paid unless canceled, and we do not charge your card until you mail your first letter or your trial ends, as described at sign-up. You are responsible for applicable taxes. We may change pricing prospectively with notice; founding-member pricing, where offered, is honored per its stated terms. Payments are processed by our third-party processor (Stripe); we do not store full card numbers.

The Service relies on third parties, including mail providers (e.g., PostGrid), payment processing (Stripe), hosting and database infrastructure, AI model providers used to draft correspondence, and CRM/communication tooling. Your use may be subject to those providers’ terms. We are not responsible for third-party acts, outages, or delivery times. Mail delivery timelines and tracking are provided by carriers and mail vendors and are not guaranteed by us.

Letters and other outputs may be generated using automated systems and AI models. You are responsible for reviewing every letter before it is sent. You retain final control and must edit or reject any output that is inaccurate or inappropriate. You, not DisputeBadger, are the sender of record for anything you mail.

You retain ownership of the data you and your clients submit (“Customer Content”). You grant us a limited license to host, process, and transmit Customer Content solely to provide and improve the Service, and to mail correspondence at your direction. Our handling of personal information is described in our Privacy Policy. You are responsible for maintaining your own records as your compliance obligations require.

The Service, including software, design, and trademarks, is owned by DisputeBadger and its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service during your subscription. All rights not granted are reserved.

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any output is legally sufficient for your purposes. Nothing in the Service is legal advice.

To the maximum extent permitted by law, DisputeBadger will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill. Our total liability for any claim arising out of or relating to the Service will not exceed the amounts you paid us for the Service in the twelve (12) months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

You will defend, indemnify, and hold harmless DisputeBadger and its officers, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: your use of the Service; your Customer Content; your dealings with your clients or consumers; your violation of these Terms; or your violation of any law, including CROA, the FCRA, and state CSO laws.

These Terms apply while you use the Service. You may cancel at any time; access continues through the end of your paid period. We may suspend or terminate access for violation of these Terms, non-payment, or as required by law. Sections that by their nature should survive termination will survive.

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules. You and DisputeBadger agree that the state and federal courts located in Sheridan County, Wyoming have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, and each party consents to personal jurisdiction and venue in those courts and waives any objection to that venue.

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date and, where appropriate, provide additional notice. Your continued use after changes take effect means you accept the updated Terms.

Questions about these Terms: support@disputebadger.com · Lasagna LLC, 30 N Gould St Ste R, Sheridan, WY 82801 · https://www.disputebadger.com/contact