Effective date: June 19, 2026 · Last updated: June 19, 2026
Important Notice — Not a Credit Repair Organization
Disputely is a software tool that helps you prepare credit dispute documents. It is not a credit repair organization (CRO) as defined under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). Disputely does not act on your behalf, does not contact credit bureaus or creditors on your behalf, and does not charge fees in advance for credit repair services. You submit all documents yourself.
By accessing or using Disputely at disputely.pro ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and Disputely ("we," "us," "our"). We reserve the right to modify these Terms at any time with notice provided via email or within the application.
Disputely provides AI-powered software tools that: (a) analyze credit reports you upload, (b) identify potential dispute grounds under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), (c) generate dispute letter templates based on your credit report data, and (d) track response timelines. All dispute letters are reviewed and submitted by you personally. Disputely does not submit disputes on your behalf.
You must be at least 18 years old and a resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements. The Service is intended only for disputes involving your own credit information. Use of the Service to dispute information on behalf of another person without proper legal authorization is prohibited.
You must create an account to use the Service. You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. You must provide accurate information during registration and keep your profile information current. Notify us immediately at support@disputely.pro if you suspect unauthorized access to your account.
5.1 Subscription Plan
Access to full dispute letter generation and tracking features requires a paid subscription at $69 per month ("Repair" plan). Analysis of credit reports is available to free accounts.
5.2 Billing
Subscriptions are billed monthly on the anniversary of your subscription start date. By subscribing, you authorize Disputely to charge your payment method on a recurring monthly basis until you cancel.
5.3 No Refunds
ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE. Once a billing cycle begins, no refunds or credits will be issued for partial months, unused features, or early cancellation. You retain access to the Service through the end of the current paid billing period after cancellation.
5.4 Cancellation
You may cancel your subscription at any time through the Billing section of your account (Settings → Billing → Manage Subscription). Cancellation takes effect at the end of the current billing period. Disputely does not charge cancellation fees.
5.5 Price Changes
We reserve the right to modify subscription pricing with 30 days notice via email. Continued use of the Service after the price change takes effect constitutes agreement to the new pricing.
5.6 Payment Failure
If payment fails, your access to premium features will be suspended. We will attempt to retry payment for up to 3 business days before canceling your subscription.
6.1 Accuracy Requirement
Under FCRA § 623, you may not dispute information you know to be accurate. By using Disputely to generate dispute letters, you represent that you have a good faith belief that the disputed information is inaccurate, incomplete, or unverifiable.
6.2 No Frivolous Disputes
You agree not to use the Service to file disputes that are frivolous or irrelevant. Credit bureaus may designate disputes as frivolous and decline to investigate them under FCRA § 611(a)(3).
6.3 Prohibited Activities
You may not use the Service to: (a) create disputes for others without legal authorization, (b) submit disputes based on known-accurate information, (c) create synthetic identities, (d) circumvent or manipulate the credit reporting system in violation of applicable law.
Disputely provides document preparation software only. Nothing in the Service constitutes legal advice, and no attorney-client relationship is formed between you and Disputely. The dispute letters generated are templates based on established legal frameworks (FCRA, FDCPA) but are not reviewed by attorneys. For legal advice regarding your specific situation, consult a licensed attorney.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. DISPUTELY DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; (B) DISPUTE LETTERS WILL RESULT IN REMOVAL OR CORRECTION OF CREDIT REPORT ITEMS; (C) AI-GENERATED CONTENT IS ACCURATE, COMPLETE, OR SUITABLE FOR YOUR SPECIFIC SITUATION. RESULTS OF DISPUTES DEPEND ENTIRELY ON THE INDEPENDENT INVESTIGATION BY CREDIT BUREAUS AND CREDITORS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTELY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. DISPUTELY'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING FROM USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO DISPUTELY IN THE 3 MONTHS PRECEDING THE CLAIM.
The Service, including its software, design, and content, is owned by Disputely and protected by intellectual property laws. You retain ownership of your credit report data and personal information. You grant Disputely a limited license to process your data solely to provide the Service. Dispute letter content generated using your data is owned by you.
We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or use the Service in a manner that could harm other users or third parties. Upon termination, your right to use the Service ceases immediately. Sections 8, 9, and 12 survive termination.
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration under the American Arbitration Association rules, except that either party may seek injunctive relief in court for intellectual property violations. You waive the right to participate in class action lawsuits.
For questions about these Terms, contact us at: support@disputely.pro
© 2026 Disputely. All rights reserved.
Privacy Policy →