Terms of Service

1. About These Terms

1.1 Scope.These Terms govern your access to and use of the ScoreRich AI websites, applications, dashboards, and related services (collectively, the “Service”), including any paid plans and features.

1.2 Revisions.We may revise these Terms from time to time. Changes are effective when posted, and your continued use of the Service after that means you accept the revised Terms. Changes to Section 14 (arbitration) will not apply to disputes for which we have actual notice before the change is posted. We will update the “Last updated” date above when we make changes.

1.3 Privacy. Our collection and use of your information is described in our Privacy Policy, which is incorporated into these Terms by reference.

2. What ScoreRich AI Is

ScoreRich AI is a software platform. It helps users analyze their own credit reports, identify potential inaccuracies, generate dispute correspondence based on consumer-protection law, and organize the resulting records. It is a tool that assists you (or, for business users, assists your clients) in exercising rights under the Fair Credit Reporting Act (FCRA) and related laws.

ScoreRich AI is not a law firm, credit reporting agency, consumer reporting agency, bank, or lender, and we do not provide legal, tax, or financial advice. No attorney-client relationship is created by your use of the Service. We do not guarantee any particular outcome. For advice about your specific situation, consult a licensed professional.

3. Eligibility and Accounts

3.1 Eligibility. You must be at least 18 years old, able to form a binding contract, and (for accounts that access credit data) have a valid U.S. Social Security number. You represent that the information you provide is accurate and that you are authorized to enter into this Agreement.

3.2 Your Account. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us immediately of any unauthorized use. We may suspend or disable any account we believe has been compromised or has violated these Terms.

3.3 Business (Operator) Accounts.If you use the Service to assist other individuals (“clients”), you represent and warrant that you have each client’s written authorization to access and dispute their credit information, and that you will comply with all applicable laws, including the Credit Repair Organizations Act (CROA) and any state credit-services laws. You are responsible for your clients’ disputes and for providing them the disclosures required by law.

4. License and Acceptable Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You agree not to: use the Service unlawfully or to submit information you know to be false; dispute information you know to be accurate; infringe anyone’s rights; interfere with or disrupt the Service; reverse engineer or copy the Service; resell or provide access to the Service without our consent; or upload documents belonging to another person without authorization.

5. Your Content and Authorizations

5.1 Your Content.You may upload credit reports, identification documents, and other information (“Content”). You represent that you have the right to provide it. You grant us a limited license to host and process your Content solely to provide the Service and as described in the Privacy Policy.

5.2 FCRA Written Instructions. By using features that access or act on your credit information, you provide written instructions under the FCRA authorizing us to process that information on your behalf to generate your analysis and correspondence for as long as your account is active.

6. AI Features

The Service uses artificial intelligence to analyze reports and draft letters. AI output may contain errors or omissions and is provided for informational purposes only — it is not legal advice. You are responsible for reviewing all letters and materials before they are sent and for how you use the Service’s output.

7. No Guarantee of Results

We do not guarantee any specific result, including any increase in your credit score or the deletion of any item from your credit report. Credit bureaus and furnishers make their own determinations. Results vary based on the accuracy of the information disputed, the responses of third parties, and factors outside our control.

8. Fees, Subscriptions, and Automatic Renewal

8.1 Fees. Paid plans are billed in advance on a recurring basis (for example, monthly) at the price shown at purchase. Optional certified-mail sending is charged per item at the price displayed before you confirm each send. You authorize us and our payment processor to charge your payment method for all applicable fees and taxes.

8.2 Automatic Renewal. To avoid interruption, subscriptions automatically renew for the same interval unless you cancel before the end of the current period. You authorize us to charge your payment method on file for the then-current fee at each renewal until you cancel.

8.3 Changes to Fees. We may change fees prospectively; changes apply to the next billing cycle. Current pricing is shown in the Service.

9. Cancellation and Refunds

You may cancel at any time from your account settings or by contacting us; cancellation stops future renewals, and you keep access through the end of the period you paid for. Refund handling, including for certified-mail charges already spent on postage, is described in our Refund & Cancellation Policy.

10. Communications and Text Messages

By providing your phone number, you consent to receive account, transactional, and (where you opt in) marketing communications from us by phone, text/SMS, email, and push notification, which may be sent using automated technology. Consent to marketing texts is not a condition of purchase. Message and data rates may apply. You can opt out of texts by replying “STOP,” or opt out of marketing emails using the unsubscribe link. We may still send you non-marketing service messages.

11. Intellectual Property and Feedback

The Service, including its software, design, and content, is owned by Rich Consults Inc and protected by intellectual-property laws. We reserve all rights not expressly granted. If you send us feedback or suggestions, you grant us the right to use them without restriction or compensation.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR RESULT WILL BE OBTAINED.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RICH CONSULTS INC AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR DATA, ARISING FROM OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

14. Dispute Resolution and Arbitration

14.1 Governing Law. These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules; the Federal Arbitration Act governs the interpretation and enforcement of this Section.

14.2 Informal Resolution.Before starting any formal proceeding, you agree to send us a written “Notice of Claim” describing the dispute to the address in Section 15.7, and to work with us in good faith for 30 days to resolve it.

14.3 Binding Arbitration. If the dispute is not resolved within 30 days, either party may require that it be resolved by final and binding individual arbitration administered by a recognized arbitration provider under its applicable rules, rather than in court. A court may still hear a request for injunctive relief.

14.4 Class-Action Waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.

14.5 Small Claims and IP. Either party may bring an individual claim in small-claims court, or seek to protect its intellectual-property rights in court, without waiving arbitration.

14.6 30-Day Opt-Out. You may opt out of this arbitration and class-waiver section by sending written notice within 30 days of first accepting these Terms to Rich Consults Inc, Attn: Legal, 1010 S Federal Hwy, Hallandale Beach, FL 33009. If you opt out, neither party will be bound by this Section.

15. General

15.1 Entire Agreement. This Agreement is the complete agreement between you and us regarding the Service.

15.2 Severability. If any provision is found unenforceable, the rest remains in effect.

15.3 Waiver. Our failure to enforce a provision is not a waiver of it.

15.4 Assignment. You may not assign this Agreement without our consent; we may assign it in connection with a merger, acquisition, or sale of assets.

15.5 Force Majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.

15.6 FCRA Notice. The FCRA permits you to dispute inaccurate information in your credit report directly with the credit bureaus, free of charge. You are not required to purchase anything from us to do so. Your full rights are described in the Consumer Credit File Rights disclosure.

15.7 Contact / Notice of Claim. Rich Consults Inc, Attn: Legal, 1010 S Federal Hwy, Hallandale Beach, FL 33009 · richmiamicredit@gmail.com · (954) 809-1880. See our Contact page.