Terms & Conditions
These Terms & Conditions (“Terms”) govern your use of the CREDIT SIDEKICK AI platform. By creating an account or using the platform, you agree to these Terms. Please read them carefully.
At a glance
- Credit Sidekick AI is a self-service platform — not a credit repair, legal, or financial advisory service.
- We do not guarantee any specific credit outcome.
- You review and submit any dispute letter yourself; we never contact third parties for you.
- AI-generated content may contain inaccuracies and should be independently reviewed.
1. Nature of service
CREDIT SIDEKICK AI is a self-service platform providing credit monitoring, educational resources, organizational tools, and user-directed dispute letter drafting assistance.
CREDIT SIDEKICK AI does not provide credit repair services, legal advice, financial advice, or credit counseling services.
Important. CREDIT SIDEKICK AI is not a credit repair organization and does not provide credit repair services as defined by the Credit Repair Organizations Act (CROA). All dispute actions are initiated, reviewed, and submitted solely by the user. We do not communicate with credit bureaus, furnishers, creditors, collection agencies, or any third party on behalf of users.
2. No guarantee of results
We do not guarantee:
- Credit score improvements
- Removal of negative information
- Credit approvals
- Accuracy of third-party information
- Any specific outcome arising from use of the platform
3. User responsibility
You agree that:
- Information you provide is accurate and truthful
- You will review all generated content before use
- You are solely responsible for any dispute submission
- You will comply with applicable laws and regulations
4. AI-generated content
Certain platform features may use artificial intelligence to generate informational content and dispute letter drafts. AI-generated content may contain inaccuracies and should be independently reviewed before use or submission.
5. No agency relationship
CREDIT SIDEKICK AI does not act as your representative, agent, attorney, or intermediary and does not communicate with third parties on your behalf. Use of this platform does not create a client, attorney-client, fiduciary, financial advisory, or agency relationship.
6. Eligibility & accounts
You must be at least 18 years old and able to form a binding contract to use the platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
7. Subscription & billing
Subscription fees provide access to platform features and services. Fees are not contingent upon any credit-related outcome. Users may manage or cancel subscriptions through the applicable app marketplace in accordance with marketplace policies.
8. Data usage
Personal information is collected and processed in accordance with our Privacy Policy. Users are responsible for maintaining the confidentiality of account credentials.
9. Limitation of liability
To the fullest extent permitted by law, CREDIT SIDEKICK AI shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from use of the platform.
10. Account termination
Users may discontinue use of the platform at any time. We reserve the right to suspend or terminate accounts for fraud, abuse, misuse, or violations of these Terms.
11. Governing law
These Terms are governed by the laws of [Governing law jurisdiction], without regard to its conflict-of-law principles. Any disputes arising from these Terms or your use of the platform will be handled in accordance with applicable law.
12. Changes to these terms
We may update these Terms periodically. Continued use of the platform after updates become effective constitutes acceptance of the revised Terms. Material changes will be reflected by updating the “Last updated” date above.