Terms of Service

Effective October 22, 2026

These terms are an agreement between you and CreditIQ AI, 5900 Balcones Drive, Suite 165, Austin, TX 78731 ("we," "us"), which operates CreditIQ AI. By creating an account or using CreditIQ AI, you agree to them.

1. What CreditIQ AI is

CreditIQ AI provides credit education, organization tools, and self-help tools to help you understand your credit reports and prepare your own disputes. For individual members, we do not send disputes on your behalf unless you choose the optional certified mailing service described in Section 5, in which case we mail only the letter you have approved. We do not communicate with credit bureaus or creditors for you, and we do not promise to improve your credit. CreditIQ AI is not a law firm and does not give legal advice.

2. No guarantees

We do not guarantee that any information will be corrected or removed from a credit report, or that any credit score will change. Accurate, current, and verifiable information can legally remain on a credit report. You have the right to dispute inaccurate information directly with the credit bureaus at no cost, and to get free credit reports at annualcreditreport.com.

3. Your responsibilities

• Give truthful information, and dispute only information you believe is inaccurate or incomplete.
• Read every letter before you approve, sign, or send it. AI-drafted letters can contain mistakes, and you are responsible for what you send.
• Do not use CreditIQ AI to make false statements, to dispute information you know is accurate, to create a new credit identity, or for any other unlawful purpose.
• Keep your password secure and tell us promptly about any unauthorized use of your account.

4. Business accounts

If you use CreditIQ AI for a credit repair or credit services business, you are solely responsible for complying with the Credit Repair Organizations Act, the Telemarketing Sales Rule, the Fair Credit Reporting Act, and all state laws that apply to you, including registration, bonding, contracts, required disclosures, cancellation rights, and the rule against charging fees before services are fully performed. You must have your clients' written authorization before uploading their information. CreditIQ AI provides software only, and the agreement templates and compliance features are aids, not legal advice.

5. Plans, billing, and cancellation

• Monthly plans renew automatically each month until you cancel. You can cancel anytime, and you keep access through the end of the period you paid for.
• 6-Month is a one-time payment of $497 for six months of access to the individual tools for your own credit file, counted from the date of payment. It does not renew automatically. It is personal to you and cannot be transferred or used for other people's files. Customers who bought Lifetime before this change keep their access.
• Optional certified mailing: from inside your account you can choose to have an approved letter printed and mailed by certified mail with tracking. The fee is $12.95 per letter, charged to your card when you send it, and is separate from your plan price. We mail only letters you have reviewed and approved. If we cannot mail a letter, we refund the mailing fee. The mailing fee is not refundable once a letter has been mailed. Mailing a letter does not guarantee any result.
• Refunds: you can request a full refund of your plan payment within 30 days of your first payment by emailing us. Mailing fees for letters already mailed are not included.

6. Your content

You own the information and documents you upload. You give us permission to store and process them only to provide the service to you, as described in our Privacy Policy.

7. Availability and changes

We work to keep CreditIQ AI available and accurate but may change, pause, or discontinue features. Features marked "coming soon" are not yet available and are not included in what you pay for today.

8. Disclaimers and limits

CreditIQ AI is provided "as is." To the fullest extent the law allows, we disclaim implied warranties, and our total liability for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect or consequential damages. Some states do not allow these limits, so they may not apply to you. Nothing in these terms limits rights you have under federal or state consumer protection laws that cannot be waived.

9. Ending your account

You can close your account anytime. We may suspend or close accounts that break these terms or the law.

10. Governing law

These terms are governed by the laws of Texas, without regard to conflict-of-law rules.

11. Changes to these terms

If we change these terms, we will post the new version here and update the effective date. If the changes are significant, we will notify you before they take effect.

12. Contact

CreditIQ AI, 5900 Balcones Drive, Suite 165, Austin, TX 78731
Email: support@aicreditiq.com