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 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.
All actions taken using the Platform are initiated and controlled by you.
3. Pricing, Subscriptions & Included Services
$47.97/month subscription
Monthly Fee Covers
- 3-bureau credit monitoring
- Lion Navigator access
- Updated credit data
Software Access
Dispute Lion software is included at no additional cost while monitoring is active.
Billing
You authorize recurring charges until cancellation.
4. 110% Results Guarantee
Important Conditions Apply
All requirements must be met:
What Constitutes "Results": Deletions, corrections, account updates, status changes, score movement, or reduction in inaccurate reporting.
Refund Terms: 110% of fees paid, issued to original payment method. Request within 30 days of the 12-month mark.
5. Account Access & Acceptable Use
Dispute Lion grants you a limited, revocable, non-transferable license for personal, lawful use only.
Prohibited Actions
- Share account credentials
- Reverse engineer platform
- Use for unlawful purposes
- Extract proprietary data
6. Data & IP
You retain ownership of your personal data. All software, workflows, and templates are Dispute Lion's exclusive intellectual property.
7. Platform Availability
We may restrict access for security risks, suspected fraud, or legal compliance. Not liable for interruptions beyond reasonable control.
8. No Guarantee Disclaimer
Credit outcomes vary. No promises regarding score increases, deletions, approvals, or timing. Platform provided "as-is."
9. Limitation of Liability
Liability capped at fees paid in the 12 months before the claim. No liability for indirect, incidental, or consequential damages.
10. Indemnification
You agree to defend and hold Dispute Lion harmless from claims arising from your misuse of the Platform.
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
Disputes will be resolved through binding arbitration or small claims court where eligible.
13. Modifications
We may update these Terms with reasonable notice. Continued use after changes means acceptance.
14. Entire Agreement
These Terms represent the complete agreement and supersede all prior communications.