Terms & Conditions

Please read these Terms and Conditions ("Terms") carefully before using the services provided by Default Agency ("Company," "we," "us," or "our"). By enrolling in our credit restoration services or accessing the client portal, you agree to be bound by these Terms.

1. Credit Repair Organizations Act (CROA) Disclosure

Under the federal Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have specific rights as a consumer:

• You have the right to dispute inaccurate information in your credit report without the help of a credit repair organization.
• You have the right to cancel your contract with us within three (3) business days of signing without any penalty or obligation.
• We cannot remove accurate and legally reportable information from your credit report.
• We cannot make any guarantee or promise that your credit report will improve by any specific number of points.
• We will provide you with a copy of "Consumer Credit File Rights Under State and Federal Law" before you sign a contract.

2. Description of Services

Default Agency provides credit restoration services including, but not limited to:

• Review and analysis of your credit reports from Equifax, Experian, and TransUnion
• Identification of potentially inaccurate, incomplete, or unverifiable negative items
• Preparation and submission of dispute letters to credit bureaus under the FCRA
• AI-assisted score roadmap projections and dispute strategy recommendations
• Access to a client portal to track dispute progress and credit score changes

3. Three-Day Right to Cancel

You may cancel this contract, without any penalty or obligation, at any time before midnight of the third business day after the date you signed the contract. To cancel, you must notify us in writing at info@rebuildr.app. If you cancel, we will return any money paid within ten (10) days of receiving your cancellation notice.

4. No Advance Fee Policy

In compliance with CROA and applicable state laws, Default Agency does not charge fees before services are rendered. Monthly service fees are billed only after the completion of each monthly service period. No fees are collected prior to the execution of a written contract.

5. Client Obligations

As a client, you agree to:

• Provide accurate and truthful information about yourself and your credit history
• Not request the creation of a new credit identity or file segregation
• Cooperate with bureau verification requests when required
• Keep your portal login credentials confidential and secure
• Notify us promptly of any changes to your contact information

6. Prohibited Activities

You agree not to use our services to:

• Dispute accurate information that you know to be correct
• Obtain credit under fraudulent pretenses
• Create a new credit profile (file segregation), which is a federal crime
• Violate any applicable federal, state, or local law or regulation

7. Fees and Payment

Monthly service fees are as agreed upon during enrollment. Fees are due on the billing date each month following the completion of that month's services. Late payments may result in suspension of services. All fees are non-refundable except as required by CROA cancellation rights.

8. No Guarantee of Results

We make no guarantee, warranty, or representation that our services will improve your credit score by any specific amount or within any specific timeframe. Credit scores are calculated by third-party scoring models outside our control. AI-generated projections are estimates only and do not constitute a guarantee.

9. FCRA Compliance

All dispute letters and communications with credit bureaus are prepared in compliance with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. We will only dispute items we reasonably believe to be inaccurate, incomplete, or unverifiable.

10. Privacy and Data Security

Your personal and financial information is handled in accordance with our Privacy Policy, which is incorporated into these Terms by reference. We use industry-standard encryption to protect your sensitive data.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Default Agency's total liability to you for any claims arising from or related to our services shall not exceed the total amount of fees paid by you in the three (3) months preceding the claim. We are not liable for any indirect, incidental, consequential, or punitive damages.

12. Governing Law

These Terms are governed by the laws of the United States and the state in which Default Agency is incorporated, without regard to conflict of law principles. Any disputes shall be resolved in the applicable state or federal courts.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through the client portal. Continued use of our services after such changes constitutes your acceptance of the updated Terms.

14. Contact Us

For questions about these Terms, please contact us at info@rebuildr.app.