Terms of Service

Effective date: August 15, 2026

Company: Credit Letter MVP LLC ("Credit Letter MVP," "we," "us," or "our")

Business mailing and customer-notice address: 5781 S New York Ave, Cudahy, WI 53110

Contact: contact@creditlettermvp.com

Important: Credit Letter MVP is a self-service document-preparation service. You choose the accounts, user-provided facts, reasons, letter types, recipients, and attachments. You must review and approve every completed letter. We do not act for you and do not contact, negotiate with, or represent you before any recipient. We do not give legal or financial advice. No deletion, response, outcome, or score change is promised.

1. Agreement and eligibility

These Terms govern your access to the website, software, generated documents, educational content, support tools, and optional mailing features. By creating an account, using the service, or purchasing an order, you agree to these Terms, the Privacy Policy, and any order-specific acknowledgment shown before payment. If you do not agree, do not use the service.

You must be at least 18 years old, legally able to enter a contract, and located in a place where your use is lawful. You may use the service only for yourself or for another adult who has expressly authorized you to handle the submitted information and documents.

2. What the software provides

The software can accept reports you choose to upload, extract and organize information, identify likely duplicate entries, help you select a document type, and prepare a draft letter from the information and instructions you provide. Available document types may include factual disputes, goodwill requests, follow-up correspondence, and validation requests. The software may also let you download, print, sign, attach supporting documents to, or separately order mailing of completed letters.

Any extraction, matching, suggested issue, explanation, or generated wording may be incomplete or incorrect. A suggested issue is not a finding that information is false, unlawful, or removable. You are solely responsible for comparing the output with the source reports and other records before use.

3. What we do not do

Credit Letter MVP does not:

Educational information is general and may not reflect the law, procedure, or facts applicable to you. If you need advice or have a legal deadline, consult a qualified professional.

4. Your selections, review, and truthful use

You control the substance and use of each letter. You agree to provide accurate information, make only statements you honestly believe are true, and use supporting documents only when you have authority to do so. You must review recipient details, account references, dates, balances, reasons, requested action, signature, and attachments before downloading, printing, or mailing.

You may not use the service to make a knowingly false statement; claim fraud or identity theft that did not occur; dispute information solely because it is unfavorable; impersonate another person; submit altered or misleading evidence; harass a recipient; violate intellectual-property or privacy rights; introduce malicious code; interfere with the service; or engage in unlawful conduct. We may block or cancel activity that reasonably appears fraudulent, abusive, unsafe, or unlawful.

5. Accounts and security

You agree to provide current registration information, safeguard your credentials, and promptly notify us at the contact address above if you suspect unauthorized access. You are responsible for activity conducted through your account unless applicable law provides otherwise. We may require identity or account verification before fulfilling a request involving sensitive information.

6. Prices, document orders, payments, and refunds

The current price, selected quantity, and total are shown before checkout. The document-preparation charge does not include optional printing, postage, or mailing unless expressly shown. Payment processing is provided by Stripe; we do not receive or store your full payment-card number.

Before a paid document order, you must confirm that you selected the underlying facts and recipients, understand the limitations of the software, accept these Terms, and authorize the displayed amount. A completed document is delivered to your account for review, download, or printing. If the service charges you but does not make the purchased document available because of our error, contact us promptly so we can retry the order or issue an appropriate refund. A request based only on dissatisfaction with a recipient's response, a lack of response, or a lack of any desired report or score change is not a service-delivery failure.

Nothing in these Terms limits any cancellation, refund, chargeback, or other consumer right that cannot lawfully be waived. If a separate disclosure, cancellation notice, or signed contract is required by applicable law, that requirement controls over an inconsistent provision here.

7. Optional mailing

Mailing is a separate, optional transaction. Before submission, you must review the final letter, signature, attachments, sender address, recipient, mailing method, and displayed mailing price. If you authorize mailing, we transmit the selected materials to Lob for printing and postal delivery. Once Lob accepts a job, it generally cannot be changed or canceled. We do not control carrier handling, delivery times, returned mail, or recipient action. The separate Mailing Authorization also applies.

8. Third-party services

The service depends on third parties that may include Stripe for payments, Lob for print and mail, providers that process artificial intelligence requests, email-delivery providers, hosting providers, and postal carriers. Their systems, terms, and privacy practices may also apply. We are not responsible for an independent third party's act, outage, rejection, delay, or policy, except to the extent applicable law makes us responsible.

9. Your content and privacy

You retain ownership of information and documents you submit. You grant us a limited, nonexclusive license to host, copy, transform, and transmit that content only as reasonably necessary to provide, secure, support, and administer the service and comply with law. You represent that you have the rights and permission necessary to provide the content. Our collection, use, sharing, retention, and deletion practices are described in the Privacy Policy.

10. Our software and license

Subject to these Terms, we grant you a limited, personal, revocable, nontransferable license to use the service for lawful personal document preparation. The service, brand, design, software, and original content remain ours or our licensors'. You may not copy, sell, sublicense, scrape, reverse engineer, evade access controls, or use the service to build a competing dataset or service, except where such a restriction is prohibited by law.

11. Availability, errors, and changes

We may correct errors, update features, change prices prospectively, restrict capacity, or suspend service for maintenance, security, legal, or operational reasons. We do not guarantee uninterrupted operation or compatibility with every report format, device, recipient, or third-party service. If a material paid feature is unavailable, your remedy may include a retry or refund for the undelivered part of the order as described above.

12. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND RESULTS. WE DO NOT WARRANT THAT AN EXTRACTION, MATCH, SUGGESTION, LETTER, ADDRESS, ATTACHMENT, SIGNATURE, DELIVERY, RESPONSE, OR THIRD-PARTY SERVICE WILL BE COMPLETE, ERROR-FREE, ACCEPTED, OR EFFECTIVE.

Some jurisdictions do not allow certain disclaimers, so those disclaimers apply only to the extent permitted. Nothing here excludes an express written promise in an order confirmation or a right that cannot be waived.

13. Limitation of liability

To the fullest extent permitted by law, Credit Letter MVP and its owners, officers, employees, contractors, and affiliates will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages; loss of data, opportunity, revenue, or goodwill; or a recipient's or third party's conduct. To the fullest extent permitted by law, our aggregate liability arising from the service will not exceed the greater of (a) the amount you paid us for the order giving rise to the claim or (b) $100.

These limits do not apply to liability that applicable law does not allow us to limit, which may include liability for fraud, willful misconduct, certain privacy or data-security obligations, or personal injury caused by negligence.

14. Indemnity

To the extent permitted by law, you agree to reimburse Credit Letter MVP for reasonable losses and third-party claims caused by your unlawful use, knowingly false submission, infringement of another person's rights, or material breach of these Terms. This section does not require you to indemnify us for our own unlawful conduct, negligence, or other responsibility that cannot be shifted under applicable law.

15. Dispute resolution

Informal resolution first

Before filing a claim, you and Credit Letter MVP agree to send a written notice describing the dispute and requested resolution and allow 30 days for a good-faith attempt to resolve it. Notices to us may be sent to the contact email or customer-notice address above. This step is not required when immediate court relief is reasonably necessary.

Individual arbitration and small claims

Except for a matter eligible for small-claims court, a request for temporary or injunctive relief, an intellectual-property claim, or a claim that applicable law does not permit to be arbitrated, disputes will be resolved by binding individual arbitration administered by JAMS under its applicable consumer rules. The Federal Arbitration Act governs this arbitration provision. Hearings may occur remotely or in a reasonably convenient location.

YOU AND CREDIT LETTER MVP WAIVE A JURY TRIAL AND AGREE TO BRING COVERED CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION, TO THE EXTENT THAT WAIVER IS LAWFUL. If a court finally determines that a particular claim or remedy cannot lawfully be arbitrated or individually waived, only that claim or remedy will proceed in court after the arbitrable matters are resolved.

Arbitration opt-out

You may opt out of arbitration by emailing us within 30 days after first accepting these Terms. Include your full name, account email, and a clear statement that you opt out of arbitration. Opting out will not affect your access to the service.

16. Governing law

Wisconsin law governs these Terms, without regard to conflict-of-law principles, except where federal law applies or your home jurisdiction gives you nonwaivable protections. For claims not subject to arbitration, you and Credit Letter MVP consent to state or federal courts with jurisdiction in Wisconsin, unless applicable law permits or requires a different forum.

17. Suspension and termination

You may stop using the service and request account deletion. We may suspend or terminate access when reasonably necessary to address a Terms violation, fraud, security risk, unlawful activity, nonpayment, provider restriction, or material threat to the service or another person. Provisions that by their nature should survive termination—including payment obligations, intellectual property, disclaimers, liability limits, dispute terms, and recordkeeping—will survive.

18. Changes and notices

We may update these Terms prospectively. If a change is material, we will provide reasonable notice through the service or your account email and, when required, ask you to accept the updated Terms. Changes do not retroactively alter a completed order unless permitted by law. Electronic notices satisfy written-notice requirements where allowed; the E-Sign and Communications Consent explains your electronic-delivery choices.

19. General terms

These Terms and incorporated policies are the entire agreement about the service, except for an order confirmation or separate agreement that expressly supplements them. If a provision is unenforceable, it will be limited or severed to the minimum extent necessary and the rest will remain effective. Our failure to enforce a provision is not a waiver. You may not transfer your account or agreement without our consent; we may assign the agreement as part of a merger, financing, reorganization, or sale, subject to applicable law. Section headings are for convenience only.

20. Non-waivable rights and contact

No disclaimer, acknowledgment, arbitration term, or other provision waives a disclosure, cancellation period, refund, forum, remedy, or consumer protection that applicable law does not allow you to waive. Contact contact@creditlettermvp.com with questions, cancellation notices, support requests, or complaints.