Terms of Service

1. Nature of the Service; critical acknowledgments

CreditRaccoon provides self-directed software tools and educational information related to reviewing credit-report data you import, preparing editable draft correspondence, organizing notes, and tracking statuses that you enter. The Service is a toolkit and dispute assistant. It is not a law firm, attorney, credit counselor, credit repair organization, debt settlement company, consumer reporting agency, or agent authorized to act for you before any bureau, creditor, collector, regulator, or court.

YOU ALONE DECIDE WHETHER TO DISPUTE ANY ITEM, HOW TO EDIT ANY DRAFT, WHETHER TO SEND OR SUBMIT ANY COMMUNICATION, AND TO WHOM. WE DO NOT SEND, MAIL, FILE, TRANSMIT, OR OTHERWISE DELIVER DISPUTES, LETTERS, COMPLAINTS, OR DOCUMENTS TO ANY CREDIT BUREAU, CREDITOR, COLLECTOR, REGULATOR, OR OTHER THIRD PARTY ON YOUR BEHALF. NOTHING LEAVES THE SERVICE TOWARD THOSE PARTIES EXCEPT THROUGH YOUR OWN EXPLICIT ACTIONS OUTSIDE OR AFTER USING THE SERVICE (FOR EXAMPLE, COPYING, DOWNLOADING, PRINTING, MAILING, OR SUBMITTING MATERIALS YOURSELF).

We do not promise, warrant, or guarantee any outcome, including removal or modification of any item, any change to a credit score or credit file, any timeline, or any response from a third party. Accurate negative information may lawfully remain on a consumer report for the period permitted by applicable law.

2. Eligibility and account registration

You may use the Service only if you are at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher), have the legal capacity to enter a binding contract, and are not barred from using the Service under applicable law. The Service is intended for individuals reviewing their own consumer information, or for a person who has lawful authority to act for another (for example, a parent or legal guardian of a minor, or an authorized representative). You represent that any credit report or personal data you upload belongs to you or that you are lawfully authorized to process it.

You agree to provide accurate, current, and complete registration information and to keep it updated. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at the contact below if you suspect unauthorized access. We may refuse registration, suspend accounts, or reclaim usernames at our discretion where reasonably necessary to protect the Service or comply with law.

3. Your sole responsibilities

Without limiting any other provision, you are solely and exclusively responsible for:

• The accuracy, legality, and completeness of all information you enter, import, upload, or instruct the Service to process
• Verifying extracted or parsed report data against your original documents before relying on it
• Reviewing, editing, approving, rejecting, or abandoning every draft letter, suggestion, analysis, or output before any use
• Selecting letter types, recipients, and content appropriate to your facts and goals
• Sending, mailing, filing, or submitting any communication to bureaus, creditors, collectors, regulators, or others, including choosing the method, timing, enclosures, and evidence
• Complying with all applicable laws in those communications, including but not limited to the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Credit Repair Organizations Act (CROA) as applicable to your own conduct, state consumer laws, and anti-fraud / identity laws
• Retaining copies of what you send and of any responses you receive, and for any deadlines that apply to you
• Decisions about settlement, payment, negotiation, litigation, or regulatory complaints
• Any consequences of using, sharing, or relying on outputs from the Service

4. Drafts, automation, and artificial intelligence

Any letter, template, rewrite, suggestion, flag, score explanation, guidance text, or other output generated by the Service, whether rule-based or AI-assisted (including features branded as Raccoon AI or powered by third-party models you or we configure), is a DRAFT AND INFORMATIONAL OUTPUT ONLY. It is not legal advice, not a formal filing, not a certified document, and not a submission to any third party.

AI and automated systems can be incomplete, incorrect, outdated, or inappropriate for your circumstances. You must independently review all outputs. You agree not to rely on the Service as a substitute for advice from a licensed attorney, certified credit counselor, tax professional, or other qualified advisor.

If you connect your own API keys or enable AI features, you authorize transmission of relevant inputs (which may include account-related details and draft text) to the applicable AI provider solely to generate requested outputs, subject to our Privacy Policy and that provider's terms.

5. Not a credit repair organization; CROA notice

CreditRaccoon IS NOT A "CREDIT REPAIR ORGANIZATION" WITHIN THE MEANING OF THE CREDIT REPAIR ORGANIZATIONS ACT, 15 U.S.C. § 1679 et seq., OR ANALOGOUS STATE LAWS. We do not sell, provide, or perform services representing that we will improve your credit record, credit history, or credit rating for a fee by communicating with consumer reporting agencies or furnishers on your behalf. We provide software and educational tools so that YOU may prepare materials and take YOUR OWN self-directed actions.

You acknowledge that paid organizations marketing "credit repair" are subject to specific disclosure, contract, and fee rules. Those rules are designed for entities that offer to improve credit for you. Our Service does not operate that model. Any paid plans we offer are for software features (such as enhanced AI or product functionality), not for promising credit outcomes or for us to contact bureaus or creditors for you.

6. Educational content and third-party materials

Guides, articles, labels, tooltips, FAQs, and similar content on the Service are for general educational purposes only. They may not reflect the latest statutes, regulations, agency guidance, or your jurisdiction. They do not create an attorney-client, counselor-client, or fiduciary relationship.

The Service may reference or link to third-party websites (including AnnualCreditReport.com, bureau portals, CFPB, FTC, IdentityTheft.gov, or creditor sites). We do not control those sites and are not responsible for their availability, accuracy, policies, or practices. Your use of third-party sites is at your own risk and subject to their terms.

7. Subscriptions, fees, and taxes

Certain features may be offered at no charge; others may require a paid subscription or one-time purchase. Prices, features, and billing intervals are disclosed at the point of purchase or in-product. Payment processing is handled by third-party processors (such as Stripe). By purchasing, you authorize recurring charges if you select a recurring plan, until you cancel in accordance with the cancellation method we provide (typically via your account billing portal).

Except where required by law or expressly stated at purchase, fees are non-refundable. You are responsible for applicable taxes. We may change pricing or plan features prospectively with notice as required by law. Failure to pay may result in suspension of paid features.

8. Acceptable use

You agree not to, and not to attempt to:

• Use the Service for any unlawful purpose, or to harass, defraud, threaten, or harm any person
• Upload reports or data you are not authorized to process
• Impersonate any person or misrepresent your affiliation or authority
• Interfere with, disrupt, reverse engineer (except to the limited extent permitted by law), probe, or overload the Service
• Circumvent security, access controls, rate limits, or usage caps
• Scrape, harvest, or systematically extract content or user data without our prior written consent
• Resell, sublicense, or provide the Service to third parties as a bureau-facing "credit repair" agency acting on their behalf
• Use outputs to generate knowingly false statements to bureaus, creditors, courts, or regulators
• Use the Service in a manner that violates export controls, sanctions, or other applicable restrictions

9. User content and license

You retain ownership of content you submit to the Service ("User Content"), including profile data, uploads, notes, and edited drafts, subject to the rights you grant us. You grant CreditRaccoon a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create derivative works from User Content solely as needed to operate, secure, improve, and provide the Service and as otherwise described in the Privacy Policy.

You represent that you have all rights necessary to submit User Content and that doing so does not violate law or third-party rights. We may remove User Content that we reasonably believe violates these Terms or law.

10. Intellectual property

The Service, including software, interfaces, branding, logos, documentation, and our pre-written content (excluding User Content), is owned by CreditRaccoon or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, lawful, self-directed purposes.

Except for rights expressly granted, no rights are transferred. "CreditRaccoon," related marks, and the raccoon brand assets are trademarks of their respective owners. You may not use our marks without prior written permission.

11. Privacy

Our collection and use of personal information is described in the Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to such processing as described there.

12. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) DEFECTS WILL BE CORRECTED; (C) PARSED CREDIT-REPORT DATA WILL BE COMPLETE OR ACCURATE; (D) DRAFTS, AI OUTPUTS, FLAGS, OR GUIDANCE WILL BE CORRECT, APPROPRIATE, OR EFFECTIVE; OR (E) ANY CREDIT, LEGAL, FINANCIAL, OR OTHER OUTCOME WILL RESULT FROM YOUR USE OF THE SERVICE.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS. IN SUCH JURISDICTIONS, OUR WARRANTIES ARE DISCLAIMED TO THE FULLEST EXTENT PERMITTED.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CREDITRACCOON, ITS AFFILIATES, OR THEIR RESPECTIVE OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, CREDIT SCORE, CREDITWORTHINESS, OR REPUTATION; OR FOR COST OF SUBSTITUTE SERVICES; ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, ANY DRAFT OR OUTPUT, ANY THIRD-PARTY ACTION OR INACTION (INCLUDING BUREAUS, CREDITORS, COLLECTORS, OR REGULATORS), OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

THE LIMITATIONS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED AND SURVIVE FAILURE OF ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF CERTAIN DAMAGES; IN THOSE CASES, LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED.

14. Indemnification

You agree to defend, indemnify, and hold harmless CreditRaccoon, its affiliates, and their respective officers, directors, employees, agents, and partners from and against any claims, demands, actions, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your User Content; (b) your use or misuse of the Service; (c) any letter, dispute, complaint, or communication you send or cause to be sent to any third party; (d) your violation of these Terms, the Privacy Policy, the Disclaimer, or applicable law; (e) your infringement or misappropriation of any third-party right; or (f) disputes between you and any bureau, creditor, collector, consumer, or other third party.

We may assume exclusive defense and control of any matter subject to indemnification (at your expense). You agree to cooperate with our defense of such claims.

15. Suspension and termination

You may stop using the Service at any time and may request account closure as described in the Privacy Policy. We may suspend or terminate access immediately if you breach these Terms, if required by law, if your use creates risk or legal exposure, or if we discontinue the Service in whole or part.

Upon termination, your license ends. Sections that by their nature should survive (including ownership, disclaimers, limitations of liability, indemnity, dispute resolution, and miscellaneous) will survive.

16. Dispute resolution; arbitration; class action waiver

Please read this section carefully. It affects your legal rights.

Except for disputes that qualify for small-claims court or claims for injunctive or other equitable relief relating to intellectual property or unauthorized access, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The seat of arbitration will be a mutually agreed location in the United States, unless you and we agree otherwise. Judgment on the award may be entered in any court of competent jurisdiction.

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.

If you are a consumer, you may opt out of arbitration within thirty (30) days of first accepting these Terms by sending written notice of your opt-out decision to the contact email below with subject line "Arbitration Opt-Out," including your name and account email. If you opt out, or if this arbitration section is found unenforceable as to a particular claim, that claim will proceed in court subject to the venue provisions below.

Either party may seek provisional remedies in court to protect rights pending arbitration. This section does not prevent you from bringing an individual action in small-claims court of competent jurisdiction.

17. Governing law and venue

These Terms are governed by the laws of the United States and the state in which the operators of the Service principally reside, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement. Subject to the arbitration section, exclusive venue for permitted court actions lies in the state or federal courts located in a mutually agreed location in the United States, and you consent to personal jurisdiction there.

18. Changes to the Terms

We may modify these Terms from time to time. The "Effective date" above will be updated when we do. For material changes, we may provide additional notice (for example, email or in-product notice) and, where we deem appropriate or legally required, require renewed acceptance. Your continued use of the Service after the effective date of revised Terms constitutes acceptance, except where applicable law requires a different method of consent.

The current document version identifier is 2026-07-14.

19. Miscellaneous

These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding the Service and supersede prior or contemporaneous agreements on that subject. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remainder will continue in effect.

Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, corporate reorganization, or sale of assets. There are no third-party beneficiaries except as expressly stated. Notices to you may be sent to your account email. Notices to us must be sent to the contact below.

The Service may be subject to U.S. export control and sanctions laws. You represent that you are not located in a sanctioned jurisdiction and are not a prohibited party.

20. Contact

Questions about these Terms: support@creditraccoon.com

Operator: the operators of the CreditRaccoon service at CreditRaccoon.com under the brand name CreditRaccoon (CreditRaccoon.com). When a registered legal entity is formed, these Terms will be updated to name that entity as the contracting party.