Terms of Service

Please read these Terms of Service ("Terms") carefully before using ScoreVera's website or software platform (the "Service"), operated by ScoreVera ("we," "us," or "our"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By accessing or using the Service, you represent that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and all applicable laws. We reserve the right to update these Terms at any time. Continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

2. Service Description

ScoreVera is a self-service software tool that helps individuals identify potentially inaccurate items on their credit reports and generate dispute letters based on their rights under the Fair Credit Reporting Act (FCRA).

ScoreVera is not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not act on your behalf, do not contact credit bureaus or creditors on your behalf, and do not make any representations that we can improve your credit score. All dispute letters are submitted directly by you.

The Service does not constitute legal advice. If you have questions about your specific legal rights or situation, you should consult a qualified attorney.

3. User Responsibilities

You are responsible for providing accurate information when using the Service, including the contents of any credit report data you enter. You agree not to submit disputes for items you know to be accurate, as doing so may constitute fraud and violates these Terms.

You are solely responsible for all actions taken in connection with the dispute letters generated by the Service. ScoreVera provides tools and templates; you decide whether to use them and bear responsibility for how you use them.

4. Prohibited Uses

You agree not to use the Service to:

• Dispute accurate information with intent to deceive creditors or bureaus
• Violate any applicable federal, state, or local law or regulation
• Resell, sublicense, or commercially redistribute access to the Service
• Reverse engineer, decompile, or attempt to extract the source code of the platform
• Upload malicious code or interfere with the integrity of the Service
• Use automated tools to scrape, crawl, or extract data from the Service

5. Subscription & Billing

Access to ScoreVera is provided on a monthly subscription basis. Your subscription renews automatically each month until cancelled. You may cancel at any time through your account settings or by contacting support; cancellation takes effect at the end of the current billing period.

All fees are charged in U.S. dollars. We reserve the right to change subscription pricing with at least 30 days' advance notice. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing. We do not offer refunds for partial subscription periods except where required by applicable law.

6. Intellectual Property

All content, software, templates, designs, and functionality comprising the Service are owned by ScoreVera and protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service for your personal dispute purposes only. You retain ownership of any personal data you provide, and we claim no intellectual property rights over your credit report data.

7. Disclaimers & No Guaranteed Results

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We make no guarantee that using the Service will result in any improvement to your credit score or the removal of any item from your credit report. Results depend entirely on the response of the credit bureaus or furnishers, the accuracy of the disputed items, and factors outside our control. Your FCRA rights belong to you — ScoreVera helps you exercise them, but cannot guarantee any particular outcome.

CROA Notice. You have the right to dispute inaccurate information in your credit report directly with any consumer reporting agency at no charge. You are not required to pay for assistance in disputing inaccurate information. ScoreVera charges for software tools and productivity features, not for the right to dispute itself, which you already possess under federal law.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SCOREVERA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF CREDIT OPPORTUNITIES, FINANCIAL LOSS, OR EMOTIONAL DISTRESS. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT YOU PAID TO SCOREVERA IN THE THREE MONTHS PRECEDING THE CLAIM.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which ScoreVera is principally operated, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration on an individual basis, except where prohibited by law. You waive any right to participate in a class action lawsuit or class-wide arbitration.

10. Contact

Questions about these Terms? Contact us at privacy@scorevera.com. ScoreVera is founded and operated by Jason Murphy.