Legal
Terms of Service
Effective Date: January 13, 2026
These Terms of Service (“Terms”) govern your access to and use of the Dispute Lion platform, including all related tools, features, and services (collectively, the “Platform”). By creating an account or using Dispute Lion, you agree to be legally bound by these Terms.
1.Important Consumer Credit Disclosures
Know your rights under federal and state law:
- You can dispute credit report information directly with the bureaus. Accurate information cannot be lawfully removed.
- You're entitled to free reports after credit denial, unemployment, public assistance, or suspected fraud.
- Credit services are federally regulated. Contact the FTC or your state Attorney General for rights violations.
2.Nature of Dispute Lion's Services
Dispute Lion is a self-directed software platform designed to assist users in organizing, generating, and managing dispute-related documentation and credit education workflows.
The Platform does not:
- Provide legal advice.
- Guarantee deletions or score increases.
- Dispute accounts on your behalf.
All actions taken using the Platform are initiated and controlled by you.
3.Pricing, Subscriptions & Included Services
Access to the Platform is provided through a recurring monthly subscription of $47.00. The subscription includes 3-bureau credit monitoring, Lion Navigator access, and continuously updated credit data.
Dispute Lion software is included at no additional cost while an active monitoring subscription is maintained. By subscribing, you authorize recurring charges to your selected payment method until cancellation.
Featured Provision
4.1Dispute Lion 110% Money-Back Guarantee
At Dispute Lion, we believe users deserve a simple, transparent way to understand and take action on their credit. While credit outcomes depend on credit bureaus, creditors, reporting agencies, and individual financial behavior, we stand behind users who actively follow the Dispute Lion process.
The Dispute Lion 110% Money-Back Guarantee is available subject to all requirements below being successfully completed.
Eligibility Requirements
- Twelve (12) consecutive months of an active Lion Navigator credit monitoring subscription.
- Continuous and uninterrupted access to Lion Navigator credit reports throughout the entire eligibility period.
- Consistent use of the Dispute Lion platform and dispute workflow as intended.
- Regular creation and submission of disputes based on eligible items identified through the platform.
- No new negative credit activity, including but not limited to new late payments, collections, charge-offs, or other derogatory accounts during the eligibility period.
- Responsible account management and maintaining positive financial habits throughout the guarantee period.
- No measurable changes or improvements to the user’s credit profile after completing the required process.
Definition of “Results”
For purposes of this guarantee, results may include, but are not limited to:
- Account deletions
- Corrections of inaccurate information
- Updated account reporting
- Changes to account status
- Removal or modification of derogatory reporting
- Balance or account information updates
- Credit score movement
- Any other measurable change reflected within Lion Navigator credit monitoring reports.
Refund Terms
Eligible users may receive 110% of qualifying subscription fees paid toward Lion Navigator credit monitoring during the eligible period. Refund requests must be submitted within thirty (30) days following completion of twelve (12) consecutive months of active eligibility. Refunds are issued to the original payment method when possible.
Important. Dispute Lion platform access itself is provided with an active Lion Navigator subscription. Additional purchases including, but not limited to, dispute mailing services, Credit Coach credits, or other optional add-on services are separate usage-based purchases and are not included in the 110% Money-Back Guarantee.
All claims are subject to review and verification of eligibility requirements.
5.Account Access & Acceptable Use
Dispute Lion grants you a limited, revocable, non-transferable license to use the Platform for personal, lawful purposes only.
You agree not to:
- Share account credentials.
- Reverse engineer, decompile, or disassemble the Platform.
- Use the Platform for unlawful or fraudulent purposes.
- Extract, scrape, or repurpose proprietary data.
6.Data & Intellectual Property
You retain ownership of your personal data. All software, workflows, templates, and content provided through the Platform are the exclusive intellectual property of Dispute Lion and may not be reproduced, distributed, or repurposed without written consent.
7.Platform Availability
We may modify, suspend, or restrict access to the Platform at our discretion, including for security risks, suspected fraud, or legal compliance. Dispute Lion is not liable for service interruptions arising from circumstances beyond our reasonable control.
8.No Guarantee Disclaimer
Credit outcomes vary based on individual circumstances. Dispute Lion makes no representations or guarantees regarding score increases, deletions, account approvals, or processing timelines. The Platform is provided on an “as-is” and “as-available” basis without warranties of any kind.
9.Limitation of Liability
To the maximum extent permitted by law, Dispute Lion's aggregate liability for any claim is limited to the fees paid in the twelve (12) months preceding the claim. Dispute Lion is not liable for indirect, incidental, special, or consequential damages.
10.Indemnification
You agree to defend, indemnify, and hold Dispute Lion, its affiliates, and personnel harmless from any claims, damages, or expenses arising from your misuse of the Platform or violation of these Terms.
11.Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles.
12.Dispute Resolution
Any dispute arising out of or relating to these Terms will be resolved through binding arbitration administered in Delaware, or in small claims court where eligible.
13.Modifications
Dispute Lion may update these Terms from time to time with reasonable notice. Continued use of the Platform after the effective date of any changes constitutes acceptance of the revised Terms.
14.Entire Agreement
These Terms represent the complete and exclusive agreement between you and Dispute Lion regarding the Platform and supersede all prior communications, proposals, or agreements.
Contact
For questions regarding these Terms, please contact us:
Legal: legal@disputelion.com
Support: support@disputelion.com