Terms of Service

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.

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.

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.

Subject to these Terms, Dispute Lion LLC grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the Platform for your own lawful, personal purposes.

You are responsible for maintaining the confidentiality and security of your account credentials and for activity occurring through your account. You agree to promptly notify Dispute Lion if you reasonably believe your account has been accessed or used without authorization.

You may not:

• Share, sell, rent, transfer, or provide unauthorized access to your account.
• Access or attempt to access another user's account or information without authorization.
• Use the Platform to knowingly submit false, misleading, fraudulent, or fabricated information.
• Use the Platform to falsely claim identity theft, account fraud, or inaccurate reporting.
• Use the Platform for any unlawful, abusive, deceptive, or fraudulent purpose.
• Reverse engineer, decompile, disassemble, decode, copy, or attempt to derive the source code or underlying structure of the Platform, except where such restrictions are prohibited by applicable law.
• Scrape, crawl, extract, harvest, download, reproduce, or systematically collect Platform data, content, templates, or proprietary information without written authorization.
• Circumvent or interfere with authentication, security controls, usage restrictions, or other protective measures.
• Introduce viruses, malware, automated attacks, or other harmful technology.
• Resell, sublicense, reproduce, commercially exploit, or repurpose the Platform or its proprietary tools without written authorization.

Dispute Lion may suspend, restrict, or terminate access when reasonably necessary to address suspected fraud, security threats, nonpayment, unlawful activity, abuse of the Platform, or a material violation of these Terms.

You retain any rights you may have in personal information, documents, and original content that you lawfully provide to Dispute Lion.

By using the Platform, you authorize Dispute Lion and its service providers to collect, host, process, analyze, transmit, and otherwise use information you provide as reasonably necessary to operate the Platform, provide requested services, generate documents, maintain security, prevent fraud, provide support, comply with applicable law, and perform other activities described in our Privacy Policy.

Our collection and handling of personal information is also governed by the Dispute Lion Privacy Policy.

All rights, title, and interest in and to the Dispute Lion Platform, including its software, technology, interfaces, designs, branding, logos, workflows, proprietary processes, educational content, templates, document structures, graphics, databases, and other materials created or licensed by Dispute Lion, remain the property of Dispute Lion LLC or its licensors.

Your subscription gives you the right to use Platform materials for their intended personal purpose. It does not transfer ownership of Dispute Lion intellectual property to you.

You may use documents generated through your account for your own lawful credit-related purposes, but you may not copy, sell, distribute, license, publish, reproduce, or commercially exploit Dispute Lion's underlying templates, systems, workflows, or proprietary content without prior written consent.

Dispute Lion strives to maintain reliable access to the Platform but does not guarantee that the Platform, any feature, or any third-party integration will be available at all times or operate without interruption or error.

The Platform may depend on third-party providers for services such as credit monitoring, consumer-report data, payment processing, mailing, identity verification, hosting, communications, analytics, and other technology services.

Temporary interruptions may occur because of maintenance, software updates, third-party outages, internet failures, cybersecurity incidents, government actions, events beyond our reasonable control, or other operational circumstances.

Dispute Lion may modify, update, replace, add, suspend, or discontinue Platform features when reasonably necessary for security, maintenance, legal compliance, improvement of the service, fraud prevention, changes to third-party services, or business operations.

Where required by applicable law, we will provide notice before making a material change that significantly affects a paid service.

Dispute Lion is not responsible for delays or interruptions caused solely by circumstances outside its reasonable control, except where liability cannot legally be excluded.

Credit outcomes depend on numerous factors outside Dispute Lion's control, including the accuracy of information reported by creditors and furnishers, consumer reporting agency investigations, individual payment history, balances, new accounts, inquiries, credit utilization, scoring models, and other financial activity.

Except for the specific contractual refund rights described in the Dispute Lion 110% Money-Back Guarantee, Dispute Lion does not guarantee:

• Any specific credit score increase.
• Removal or deletion of any particular account or item.
• Removal of accurate, current, and verifiable negative information.
• Approval for any loan, credit card, mortgage, lease, housing opportunity, or other financial product.
• Any particular interest rate, credit limit, or lending terms.
• A particular response or decision from a consumer reporting agency, creditor, collector, or data furnisher.
• Completion of a dispute investigation within a particular period.
• That automated or AI-assisted analysis will identify every potential issue contained in a credit report.

Testimonials, examples, case studies, advertisements, educational materials, and previous customer experiences are illustrative only and do not guarantee that another user will receive the same or similar results.

To the maximum extent permitted by applicable law, the Platform is provided on an “as is” and “as available” basis.

Dispute Lion disclaims implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement to the extent those warranties may legally be disclaimed.

Nothing in this section excludes any warranty, right, or remedy that cannot lawfully be waived under applicable consumer protection law.

To the maximum extent permitted by applicable law, Dispute Lion LLC and its owners, officers, employees, affiliates, contractors, agents, licensors, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising out of or relating to your use of, inability to use, or reliance upon the Platform.

This includes, where permitted by law, damages arising from lost opportunities, lost profits, loss of data, interruption of service, third-party data errors, credit decisions, lending decisions, or actions taken by consumer reporting agencies, creditors, collectors, furnishers, or other third parties.

To the maximum extent permitted by applicable law, Dispute Lion's total aggregate liability for claims arising from or relating to the Platform, these Terms, or services provided to you will not exceed the total amount actually paid by you for the applicable services during the twelve (12) months immediately preceding the event giving rise to the claim.

The limitations in this section do not apply to liability, damages, statutory rights, or consumer remedies that cannot legally be limited, excluded, or waived.

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Dispute Lion LLC and its affiliates, officers, employees, contractors, and agents from third-party claims, liabilities, damages, losses, judgments, and reasonable expenses arising from:

• Your unlawful or fraudulent use of the Platform.
• Your intentional submission of materially false or misleading information.
• Your violation of another person's rights.
• Your unauthorized use of another person's identity, credit information, or account.
• Your material violation of these Terms.
• Your infringement or misuse of Dispute Lion intellectual property.

This provision does not require you to indemnify Dispute Lion for claims arising solely from Dispute Lion's own unlawful conduct, negligence, or other liability that cannot legally be shifted to you.

These Terms are entered into with Dispute Lion LLC, a Wyoming limited liability company.

Except where applicable federal law or mandatory consumer protection law provides otherwise, these Terms and any dispute arising from or relating to them will be governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles.

The Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions contained in these Terms where applicable.

Nothing in this choice-of-law provision is intended to deprive a consumer of any non-waivable right or protection provided under applicable federal law or the mandatory laws of the consumer's state of residence.

Informal Resolution

Before beginning arbitration, you and Dispute Lion agree to make a reasonable good-faith effort to resolve the dispute informally.

A written notice of dispute should describe the nature of the issue, the relevant account or transaction, and the resolution requested.

Notices to Dispute Lion may be submitted to legal@disputelion.com.

Binding Individual Arbitration

Except for disputes eligible for small claims court and claims that applicable law does not permit to be subject to arbitration, any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, your account, your subscription, or your relationship with Dispute Lion will be resolved through binding individual arbitration rather than through a lawsuit in court.

Arbitration will be conducted in accordance with the Federal Arbitration Act and applicable consumer arbitration rules of a nationally recognized arbitration provider.

The arbitrator may award any individual relief or remedy that would otherwise be available under applicable law.

Small Claims Court

Either party may bring an eligible individual claim in a small claims court having proper jurisdiction instead of arbitration, provided the matter remains an individual action.

Class and Representative Actions

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND DISPUTE LION AGREE THAT CLAIMS SUBJECT TO ARBITRATION WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

Jury Trial

Where a dispute is validly subject to binding arbitration, you and Dispute Lion waive the right to have that dispute decided by a jury to the maximum extent permitted by law.

Government Complaints

Nothing in this section prevents you from filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau, a state Attorney General, consumer reporting agency regulator, or other governmental or regulatory authority.

Nothing in these Terms limits a right or remedy that applicable law does not permit you to waive.

Dispute Lion may update these Terms periodically to reflect changes to the Platform, subscription structure, features, business operations, security practices, third-party services, regulatory requirements, or applicable law.

When required by law, we will provide reasonable advance notice of material changes through the Platform, by email, or through another appropriate communication method.

Updated Terms will identify their effective date.

Unless otherwise required by law, changes will apply prospectively and will not retroactively alter rights or obligations that arose before the updated Terms became effective.

Your continued use of the Platform after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

If you do not agree to a material change, you may discontinue use of the Platform and cancel any recurring subscription in accordance with the applicable cancellation terms.

These Terms, together with the Dispute Lion Privacy Policy, applicable subscription and checkout disclosures, the Dispute Lion 110% Money-Back Guarantee terms, and any additional terms expressly incorporated by reference, constitute the complete agreement between you and Dispute Lion concerning your use of the Platform.

They supersede prior or contemporaneous communications, representations, proposals, or agreements concerning the same subject matter, except where a separate written agreement expressly provides otherwise.

If any provision of these Terms is determined by a court or arbitrator with proper authority to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed where appropriate, and the remaining provisions will remain in effect.

Dispute Lion's failure to enforce any provision of these Terms on one occasion does not waive its right to enforce that provision or any other provision in the future.

Any provision that by its nature should survive termination of your account or subscription will survive, including provisions concerning intellectual property, payment obligations already incurred, disclaimers, limitation of liability, indemnification, and dispute resolution.