Smart FCRA

1. Acceptance of Terms

By accessing or using the Smart FCRA service ("Service") operated by RJ Business Solutions ("Company," "we," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

2. Description of Service

Smart FCRA provides a web-based platform for analyzing credit reports, identifying potential FCRA (Fair Credit Reporting Act) violations, and generating dispute documents. Our Service includes:

• Credit report upload and analysis
• FCRA violation detection and categorization
• Dispute document generation
• Client management tools
• Billing and subscription management

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements.

4. Account Registration

To access certain features, you must create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to notify us immediately of any unauthorized use.

5. Subscription and Payment

The Service is offered on a subscription basis. Fees are billed monthly in advance. All fees are non-refundable except as required by law. Subscription plans and pricing are available on our billing page.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Upload false or misleading credit report data
• Attempt to reverse engineer or copy our software
• Resell or redistribute the Service without authorization
• Interfere with the proper operation of the Service
• Use automated tools to access the Service without permission

7. Dispute Documents — Important Limitations

Our Service generates dispute documents based on FCRA guidelines. IMPORTANT:

• Generated documents are prepared by us, NOT by attorneys
• We do not provide legal advice
• Results are not guaranteed
• You should review all documents with a qualified attorney before filing
• FCRA rights are governed by 15 U.S.C. § 1681 et seq.

8. Intellectual Property

The Service, including all software, designs, text, graphics, and logos, is owned by RJ Business Solutions and protected by intellectual property laws. You retain ownership of any data you upload.

9. Data Privacy

We collect and process personal data as described in our Privacy Policy. By using the Service, you consent to such processing. You have rights under GDPR and CCPA to access, correct, delete, and export your data.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM USING THE SERVICE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RJ BUSINESS SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNTS PAID BY YOU IN THE TWELVE MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify and hold harmless RJ Business Solutions from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. Termination

We may terminate or suspend your account at any time for violation of these Terms. You may cancel your subscription at any time through the billing page. Upon termination, your data will be handled according to our data retention policy.

14. Governing Law

These Terms shall be governed by the laws of the State of New Mexico, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Bernalillo County, New Mexico.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Your continued use after such changes constitutes acceptance of the updated Terms.

16. Contact Information

For questions about these Terms, contact us at:

15. AI-Assisted Features and Human Review

Smart FCRA may use automated or AI-assisted systems to organize source data, surface candidate observations, recommend workflow steps, and prepare draft documents. These outputs can be incomplete or incorrect and are not legal advice. Your organization is responsible for reviewing source evidence and approving material actions. Smart FCRA does not authorize AI to independently file legal or regulatory matters, send sensitive disputes, accept settlements, make payments, execute releases, or make legal conclusions on your behalf.

16. Findings, Metro 2, Complaints, and Outcomes

A software finding, data variance, Metro 2 inconsistency, consumer complaint, or regulatory submission is not by itself proof of a legal violation. A settlement is not necessarily an admission of liability. Smart FCRA does not guarantee deletion, correction, score improvement, credit approval, funding, litigation success, damages, settlement, or any regulatory outcome.

17. Subscription, Cancellation, and Usage Charges

SaaS subscription fees, billing cadence, and plan entitlements are presented at checkout and in the applicable billing interface. Unless a different written order governs, subscriptions renew on the disclosed recurring cadence until canceled. Cancellation stops future subscription renewals after the effective cancellation date but does not reverse charges already earned or incurred, except where required by law. Lob-powered print and mail production, postage, and related provider charges are usage-based and billed separately from the SaaS subscription. Third-party provider charges may also be subject to the provider's terms.

18. Tenant Compliance Responsibilities

Business customers are responsible for determining and documenting the laws, licenses, registrations, contracts, disclosures, consumer authorizations, cancellation rights, billing restrictions, retention duties, and professional-review requirements that apply to their services, states, sales channels, and clients. Platform controls assist operations but do not replace that responsibility. Credit-repair and telemarketing transactions may be subject to CROA, the FTC Telemarketing Sales Rule, state law, or other requirements.