Terms of Use

Last Updated: January 2026

Important Notice

DisputeKing.AI is NOT a credit repair company. We provide software tools, resources, and technology that empower individuals and credit repair professionals to manage their own credit repair processes. You maintain full control and responsibility for all credit repair activities conducted using our platform.

1. Acceptance of Terms

By accessing and using DisputeKing.AI ("Service", "Platform", "we", "us", or "our"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Service.

2. Service Description

DisputeKing.AI provides:

  • AI-powered dispute letter generation tools
  • Credit report analysis software
  • Document management and tracking systems
  • CRM tools for credit repair professionals
  • Educational resources and guidance

We do NOT provide credit repair services directly. We are a software technology provider that gives you the tools to perform your own credit repair activities or manage your clients if you are a credit repair professional.

3. User Responsibilities

As a user of DisputeKing.AI, you are responsible for:

  • Providing accurate and truthful information
  • Complying with all applicable federal, state, and local laws including the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA)
  • Reviewing all generated content before submission to credit bureaus or creditors
  • Maintaining the confidentiality of your account credentials
  • Using the Service only for lawful purposes
  • Not making false or fraudulent credit disputes

4. Subscription and Payment

Subscription Tiers:

  • DIY Client: $59.99/month - For individual users
  • Broker Pro: $199/month - For credit repair professionals
  • Broker Enterprise: $299/month - For larger credit repair operations

All subscriptions automatically renew unless canceled. You may cancel at any time through your account settings. Refunds are provided according to our refund policy.

5. Disclaimers and Limitations

NO GUARANTEES: We do not guarantee specific credit score improvements or dispute outcomes. Credit repair results vary based on individual circumstances.

NOT LEGAL ADVICE: Our Service does not constitute legal or financial advice. Consult with qualified professionals for specific legal or financial guidance.

AI LIMITATIONS: While our AI tools are sophisticated, they are not perfect. Always review and customize generated content before use.

6. Prohibited Activities

You may NOT use DisputeKing.AI to:

  • Create false or fraudulent credit disputes
  • Impersonate others or provide false identification
  • Violate any federal or state laws regarding credit repair
  • Share your account access with unauthorized users
  • Attempt to reverse engineer or copy our software
  • Use automated bots or scrapers on our platform

7. Intellectual Property

All content, features, and functionality of DisputeKing.AI are owned by us and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

8. Data Privacy

We take your privacy seriously. Your personal and credit information is encrypted and protected. We will never sell your data to third parties. Please review our Privacy Policy for complete details on how we collect, use, and protect your information.

9. Termination

We reserve the right to suspend or terminate your account if you violate these Terms of Use or engage in fraudulent activities. You may terminate your account at any time by canceling your subscription.

10. Limitation of Liability

To the maximum extent permitted by law, DisputeKing.AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the Service.

11. Changes to Terms

We may update these Terms of Use from time to time. Continued use of the Service after changes constitutes acceptance of the updated terms. We will notify users of significant changes via email or platform notification.

12. Contact Information

For questions about these Terms of Use, please contact us at:

Email: support@disputeking.ai

Website: DisputeKing.AI

Your Rights: By using DisputeKing.AI, you retain all rights to your data and credit information. We are here to empower you with tools and knowledge—you remain in complete control of your credit repair journey.