Terms of Use
Welcome to FreeCreditDisputeLetters.com (the "Site"). These Terms of Use ("Terms") govern your access to and use of the Site. Please read them carefully. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Acceptance of terms
By using this Site, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and that you accept these Terms as well as our Privacy Policy and Disclaimer. We may update these Terms from time to time, and your continued use of the Site means you accept the current version.
2. Informational purpose only
All content, guides, and letter templates on this Site are provided for general informational and educational purposes only. They are not legal, financial, tax, or credit-repair advice, and they are not a substitute for advice from a qualified professional. You are responsible for how you use any information or template from this Site.
3. No professional relationship
Using this Site does not create an attorney-client relationship, a financial-advisory relationship, or any other professional relationship between you and FreeCreditDisputeLetters.com. We are not a law firm, credit-repair organization, or credit bureau, and we do not represent you or act on your behalf.
4. "As is" — no warranty
The Site and all content and templates are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be error-free, uninterrupted, or that any content is current or correct. Laws change and vary by state, and outcomes are never guaranteed.
5. Limitation of liability
To the fullest extent permitted by law, FreeCreditDisputeLetters.com and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of — or inability to use — the Site, its content, or its templates, even if advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using it.
6. Intellectual property and permitted use
The content, design, and original text on this Site are owned by or licensed to FreeCreditDisputeLetters.com and are protected by applicable intellectual-property laws. You are welcome to use our letter templates for your own personal, non-commercial purposes — including editing them and sending them on your own behalf. You may not, however, scrape, republish, resell, or redistribute our content or templates as your own or for commercial gain without our written permission.
7. External links
The Site may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, accuracy, or practices of any external site. Links do not imply endorsement, and accessing third-party sites is at your own risk.
8. Changes to these terms
We reserve the right to modify or replace these Terms at any time at our sole discretion. When we make changes, we will update the "Last updated" date above. It is your responsibility to review these Terms periodically.
9. Governing law
These Terms are governed by and construed in accordance with the laws of the United States and the state in which the Site's operators reside, without regard to conflict-of-law principles. Any disputes arising under these Terms shall be subject to that jurisdiction.
10. Contact
If you have questions about these Terms, contact us at contact@freecreditdisputeletters.com or through our contact page.