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Terms of Service

Last updated: November 2, 2026

1. Acceptance of these terms

These Terms of Service ("Terms") govern your access to and use of the Dispute Nerds website, mobile interface, and software (collectively, the "Service"), operated by Dispute Nerds ("Dispute Nerds," "we," "us," or "our"). By creating an account or using the Service in any way, you agree to these Terms. If you do not agree, do not use the Service.

2. What Dispute Nerds is , and is not

Dispute Nerds provides self-service software and educational tools that help you analyze information appearing on your credit reports, identify possible dispute opportunities, prepare correspondence, and track results. Dispute Nerds is not a credit repair organization, a law firm, or a financial advisor. We do not:

  • Act on your behalf or contact credit bureaus, creditors, or debt collectors for you;
  • Provide legal representation or legal advice;
  • Provide financial advice;
  • Guarantee any credit-report change, deletion, or credit-score improvement.

You are responsible for reviewing the information the platform produces, deciding whether to dispute any item, approving any generated correspondence, and determining how and whether to submit it. Information provided through the Service is not legal or financial advice.

3. Your account and your information

You must provide accurate, current, and complete information when registering and keep your credentials secure. You are responsible for all activity under your account. You may only use the Service to analyze credit reports that pertain to you or that you are otherwise legally authorized to access and review.

We receive your credit report from our credit monitoring partner, SmartCredit, when you link your account. In limited support cases, our staff may add a report to your account for you. You represent that any credit report, documents, or information you provide or link is yours or that you have the right to provide it. You must not link or provide another person's credit information without their authorization.

4. Permitted and prohibited conduct

You agree not to:

  • Use the Service to make any false, misleading, or fraudulent statement;
  • Direct the Service to assert identity theft, lack of ownership, or any other claim you know to be untrue;
  • Use the Service to harass, deceive, or defraud any person or entity;
  • Attempt to access another user's data, reverse-engineer, or interfere with the Service's operation or security;
  • Resell, sublicense, or redistribute access to the Service without our consent.

Dispute Nerds is designed to help you identify only legitimate, supportable dispute opportunities. Using the platform to make statements you know to be false violates these Terms and may violate federal and state law.

5. The Service and AI output

The Service uses artificial intelligence to analyze the credit report we receive from SmartCredit when you link your account (or, in limited support cases, a report our staff adds for you) and suggest possible dispute opportunities. AI-generated output may contain errors, omissions, or outdated information, and must be independently reviewed by you before you rely on or submit it. Dispute Nerds does not guarantee the accuracy, completeness, or outcome of any analysis or suggested correspondence.

We may modify, suspend, or discontinue any feature of the Service at any time. We may also impose limits on usage, storage, or processing.

6. Plans, Refunds and Cancellation

Plans and prices.

Free Findings is free. Paid plans are billed monthly:

  • Standard: $14.99 per month
  • Pro: $39.99 per month
  • Founder: $19.99 per month for full Pro access, while available

When you buy a paid plan, you pay for a dispute analysis our software has already built from your report. It unlocks right away at payment, along with your plan features for that month.

Founder plan.

  • Who can get it. The Founder plan is open to the first 1,000 members who start it. A spot counts when your Founder plan starts. If a founder cancels for a refund inside the 3-business-day window, that spot opens back up. When all 1,000 spots are claimed, the Founder plan closes to new members. We do not promise it will reopen.
  • Locked price. Your Founder price of $19.99 per month will not go up for as long as your Founder plan stays active without a break. The locked price is the total you are charged each month, including any sales tax we collect.
  • What ends the Founder price. Your Founder price ends if you cancel and your paid month runs out, if you switch to another plan, or if a payment stays unpaid 14 days after it fails. After that, you can't claim a Founder spot again, but you can join Standard or Pro at the current price.
  • What you get. Founder includes everything in Pro. If Pro features change, Founder features change the same way. Your Founder price does not.

Your 3-business-day refund window.

You can cancel for a full refund of your plan payment until 11:59 PM Pacific Time on the 3rd business day after the day you paid. Business days are Monday through Friday, not counting federal holidays. Your exact deadline is shown at checkout and on your receipt. This window applies to your first paid plan purchase, including a Founder start, and to any new plan purchase after a canceled plan. It does not apply to monthly renewals of an ongoing plan.

How to cancel for a refund.

Use any of these. You don't need to give a reason.

  • Click "Cancel and get a full refund" in Account Settings during the window.
  • Email support@disputenerds.com.
  • Mail a signed, dated notice, such as the Notice of Cancellation on your receipt, to Dispute Nerds LLC, 4444 2nd Ave STE 31609, Detroit, MI 48201, postmarked by your deadline.

When you get your money.

We issue your refund to your original payment method within 3 business days of your request and email you a confirmation. Your bank may take several more business days to show it. When the refund is issued, paid access ends. Free Findings stays available.

After the window.

Payments are final after your refund window ends. That includes partial months and unused time.

Cancel anytime.

You can cancel online anytime in Account Settings with one click. You never need to call us. Canceling stops all future charges. Outside a refund window, you keep access until the end of the month you paid for, and we do not give partial refunds.

Monthly renewal.

All plans renew each month on your billing date until you cancel. Cancel before your next billing date to avoid the next charge.

Mailing through the app.

If you choose to mail a signed letter through the app, that mailing is billed per letter. Once a letter is sent to print, its mailing charge is final, even during a refund window. If you cancel during your window, any letter not yet sent to print is canceled and its mailing charge refunded. If a letter does not go out because of an error on our side, we resend it or refund that mailing charge.

Your monitoring partner subscription.

Your credit report comes from our monitoring partner. That subscription is separate from Dispute Nerds, and its billing, cancellation, and refunds are handled by the partner under its own terms. Canceling or getting a refund from Dispute Nerds does not cancel or refund it.

Our records.

We keep a record of each purchase, including:

  • when your dispute analysis unlocked;
  • your checkout acceptance;
  • the refund deadline shown to you;
  • your Founder spot number, if you have one;
  • the version of these terms you agreed to; and
  • any cancellation or refund request.

Billing errors.

If you think we charged you by mistake, such as a duplicate charge or a charge after you canceled, contact us at support@disputenerds.com within 60 days. We will look into it and fix any real billing error, including a refund when one is owed.

Payment disputes.

Please contact us first so we can fix the problem quickly. If you file a dispute with your bank or card company instead, we may share our purchase and delivery records to respond. While a payment dispute is open, we may pause paid features on the account.

Your rights under law.

Nothing in this section limits any right you have under applicable law that cannot be waived. If the law where you live gives you a longer cancellation period or more refund rights, we will honor them.

Results.

Dispute Nerds is self-service software. You decide what to dispute, and you review, sign, and send your own letters. We do not promise any score change, any change to your report, or any result. Refunds are not based on results.

7. Affiliate and partner links

The Service may display links to third-party providers, such as credit reporting or credit-building products. Dispute Nerds may receive compensation when you use certain partner links. Compensation does not determine how products are ranked. Being shown a product is not an offer or a guarantee of approval. We do not control third-party sites and are not responsible for their content, products, or practices.

Business partner Founder's Trial

Dealers, insurance agencies, loan officers and real estate agents who sign up by January 31, 2027 at 11:59:59 PM ET receive the Founder's Trial: 90 days free on monthly fees, counted from signup. Later signups have no free trial. Monthly billing starts on day 91, on the date shown before you agree and save your card, and auto-renews monthly unless cancelled in partner settings. Dealer and insurance per-lead fees are billed during the trial. Dealers pay $99 a month per slot plus $1 a month per assigned member and $35 per contacted lead. Insurance agencies pay $49 a month plus $30 per car lead, $12 per renters lead and $30 per homeowner re-shop lead; the optional home-buyer add-on is $49 a month flat and shares the monthly-fee trial. Loan officers pay $149 a month per seat. Real estate agents pay $129 a month flat. Cancel before your first monthly charge in partner settings and no monthly fee is charged; lead fees already incurred remain payable. Legacy partners keep their stored trial dates. Extra locations share the original group partner's trial end and do not receive a second trial. Your free period includes time spent on a waitlist and is not extended while you wait. While waitlisted, no plan fee begins unless you accept an offered area.

Fee waiver for dealers only

For dealers only: In any month with fewer than 3 ready leads, the $99/slot and $1/member fees are waived. Contacted leads are still billed at $35. Insurance agencies, loan officers and real estate agents do not receive this fee waiver.

8. Your content and license to us

You retain ownership of your credit reports, including those we receive from SmartCredit when you link your account or that our staff add for you in limited support cases, and the documents you provide ("Your Content"). You grant Dispute Nerds a worldwide, non-exclusive, royalty-free license to store, process, and display Your Content solely to operate and improve the Service for you. We do not sell Your Content to third parties.

9. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, DISPUTE NERDS DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL DISPUTE NERDS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, CREDIT-SPECIFIC OUTCOMES, OR PROFITS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS, WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify and hold harmless Dispute Nerds from any claims, damages, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any law or the rights of a third party, including any false statement you direct the Service to make.

13. Term and termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or create risk or legal exposure for us. Upon termination, your right to use the Service ends; we may delete Your Content after a reasonable period.

14. Changes to these terms

We may update these Terms from time to time. We will post the updated Terms here with a new "Last updated" date. Material changes will be communicated through the Service. Continued use after changes take effect constitutes acceptance.

15. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute will be resolved in the state or federal courts located in Delaware, and you consent to that venue.

16. Contact

Questions about these Terms? Contact us at support@disputenerds.com.

Questions about these Terms? Email support@disputenerds.com.