Legal Disclaimer

1. CREDIT REPAIR ORGANIZATIONS ACT — MANDATORY FEDERAL CONSUMER DISCLOSURES (15 U.S.C. § 1679)

The Company operates as an automated document preparation and self-help software platform. The Services are designed to assist consumers in preparing and formatting their own credit dispute letters using artificial intelligence tools, guided workflows, and consumer-provided information. The Company does not represent, advocate for, or act as an agent on behalf of any consumer before any credit reporting agency, original creditor, debt collector, or other entity.

2. NO ATTORNEY-CLIENT RELATIONSHIP — NOT A LAW FIRM — NOT LEGAL OR FINANCIAL ADVICE

NO ATTORNEY-CLIENT RELATIONSHIP: No attorney-client relationship, fiduciary relationship, privileged professional relationship, agency relationship, partnership, joint venture, or other confidential relationship of any kind is created or shall be deemed created between you and the Company, or between you and any of the Company's employees, contractors, members, managers, or representatives, by virtue of your use of the Services or any communication with the Company. The Company's employees and contractors are not attorneys and cannot provide legal advice in any capacity.

INDEPENDENT PROFESSIONAL COUNSEL STRONGLY RECOMMENDED: You are strongly urged to consult with a licensed attorney specializing in consumer credit law or the Fair Credit Reporting Act before taking any action based on information obtained through this Platform. You should consult a certified public accountant or licensed financial advisor before making financial decisions, and a licensed credit counselor or HUD-approved housing counselor for matters relating to debt management. The Company expressly disclaims all responsibility for any loss, damage, or adverse consequence resulting from your reliance on the Services without seeking independent professional counsel.

3. NO GUARANTEE OF RESULTS — ABSOLUTE DISCLAIMER OF OUTCOME WARRANTIES

FACTORS OUTSIDE COMPANY CONTROL: The outcome of any credit dispute is determined entirely by factors beyond the Company's knowledge, influence, or control, including without limitation: the internal investigation policies, procedures, and standards of each CRA; the response and cooperation of the original creditor or furnisher of information; the nature, validity, and age of the disputed item; the accuracy, completeness, and persuasiveness of the documentation provided by the consumer; applicable federal and state statutes of limitations; the passage of time; changes in applicable law; and the consumer's overall credit profile and history.

ILLUSTRATIVE RESULTS ARE NOT TYPICAL: Any testimonials, case studies, score improvement examples, or other illustrative outcomes displayed on the Site are provided for informational and illustrative purposes only and are not representative of results that any particular user should expect. Individual results will vary significantly, and in many cases, no change in credit score or credit report status may occur at all.

ASSUMPTION OF RISK: YOU EXPRESSLY ASSUME ALL RISK ASSOCIATED WITH THE USE OF THE SERVICES AND ANY OUTCOMES — OR LACK THEREOF — RESULTING FROM SUCH USE. YOU ACKNOWLEDGE THAT THE COST OF USING THE SERVICES IS NOT CONTINGENT ON ANY PARTICULAR OUTCOME.

4. FAIR CREDIT REPORTING ACT — CONSUMER RIGHTS AND FCRA COMPLIANCE DISCLAIMER

The Services are designed with reference to the requirements of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Consumers have the right to dispute the accuracy or completeness of any information in their consumer credit file directly with any CRA at no cost, pursuant to FCRA § 611 (15 U.S.C. § 1681i). CRAs are required to conduct a reasonable investigation and respond within thirty (30) days (or forty-five (45) days if the consumer submits additional information during the investigation period).

THE COMPANY MAKES NO WARRANTY THAT DISPUTE LETTERS GENERATED THROUGH THE SERVICES SATISFY ALL REQUIREMENTS OF THE FCRA OR ANY STATE ANALOG THEREOF IN EVERY JURISDICTION, FOR EVERY CATEGORY OF DISPUTED INFORMATION, OR IN EVERY FACTUAL CIRCUMSTANCE. Applicable law and CRA policies are subject to change. Legal citations included in AI-generated dispute letters are provided for reference only and may be outdated, incomplete, or not applicable to your specific circumstances.

FRIVOLOUS DISPUTE WARNING: Under FCRA § 611(a)(3), a CRA may decline to investigate a dispute if it determines the dispute is frivolous or irrelevant, or if the consumer fails to provide sufficient information. Submitting knowingly false, fabricated, or groundless dispute information may expose you to civil or criminal liability under applicable law. The Company neither encourages nor endorses the submission of frivolous disputes and expressly disclaims any liability for any legal consequences arising from your dispute submissions.

5. FAIR DEBT COLLECTION PRACTICES ACT — FDCPA DISCLAIMER

The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., provides consumers with rights to request debt validation from third-party debt collectors. The Services may assist in generating debt validation request letters referencing FDCPA provisions. THE COMPANY MAKES NO REPRESENTATION THAT ANY LETTER REFERENCING FDCPA PROVISIONS WILL COMPEL A DEBT COLLECTOR TO CEASE COLLECTION ACTIVITY, VALIDATE THE DEBT, OR PRODUCE ANY PARTICULAR RESPONSE.

Debt validation rights under the FDCPA apply only to third-party debt collectors as defined in 15 U.S.C. § 1692a(6) and do not apply to original creditors collecting their own debts. The effectiveness of a debt validation request depends on the timing of the request (within 30 days of initial communication for certain rights to attach), the specific facts of the debt, and the applicable statute of limitations. Consumers are strongly urged to consult with a consumer rights attorney before exercising FDCPA rights.

6. AI-GENERATED CONTENT — MATERIAL LIMITATIONS AND USER RESPONSIBILITY

USER RESPONSIBILITY FOR REVIEW: YOU ARE SOLELY AND EXCLUSIVELY RESPONSIBLE FOR THOROUGHLY REVIEWING, VERIFYING, AND APPROVING ALL AI-GENERATED CONTENT BEFORE SUBMITTING OR AUTHORIZING THE MAILING OF ANY DISPUTE LETTER. You acknowledge that: (i) you are the final decision-maker with respect to the content and submission of any dispute letter; (ii) the Company is not responsible for the accuracy, completeness, or appropriateness of AI-generated content as applied to your specific situation; and (iii) you assume all risk and liability for any consequences — including legal consequences — arising from the submission of any letter generated through the Services.

7. LIMITATION OF LIABILITY — MAXIMUM EXTENT PERMITTED BY LAW

8. REGULATORY COMPLIANCE DISCLAIMER — STATE AND FEDERAL CREDIT LAWS

The Services are designed to assist consumers in preparing letters pursuant to rights provided under federal consumer protection statutes including the FCRA, FDCPA, and CROA. The Company does not represent or warrant that the Services or any letter generated thereby are compliant with all applicable federal, state, or local laws, regulations, rules, or ordinances in every jurisdiction of the United States.

Consumer credit laws vary by state, and individual states may have enacted statutes providing rights beyond those granted under federal law. The Company makes no representation regarding compliance with any state-specific consumer protection law, including without limitation: California's Consumer Credit Reporting Agencies Act (Cal. Civ. Code § 1785 et seq.); New York's Fair Credit Reporting Act (N.Y. Gen. Bus. Law § 380 et seq.); or any other state analog to the FCRA or FDCPA.

The consumer credit regulatory landscape is subject to ongoing legislative and regulatory change. Legal citations included in AI-generated letters reflect information available at the time of letter generation and may not reflect subsequent amendments, new regulations, or updated agency guidance. Users are solely responsible for ensuring that their use of the Services complies with all applicable law in their respective jurisdiction.

9. THIRD-PARTY SERVICES — DISCLAIMER OF LIABILITY

The Services integrate with third-party platforms and service providers including, without limitation: Stripe, Inc. (payment processing); Lob, Inc. (certified mail fulfillment); Google LLC (AI inference, analytics, and fraud prevention); Cloudflare, Inc. (network security); and USPS (mail delivery). THE COMPANY EXPRESSLY DISCLAIMS ALL LIABILITY FOR THE AVAILABILITY, PERFORMANCE, ACCURACY, SECURITY, DATA PRACTICES, OR CONDUCT OF ANY THIRD-PARTY SERVICE.

Third-party providers may experience outages, errors, data breaches, delays, or failure to perform their services. In particular, Lob, Inc.'s mailing services are subject to USPS processing times and delivery standards which the Company cannot guarantee. The Company is not responsible for any letter that is lost, misdirected, delayed, or damaged in the postal system, or any failure of a CRA or creditor to receive, process, or respond to a mailed letter.

10. INDEMNIFICATION — USER OBLIGATION

11. GOVERNING LAW, DISPUTE RESOLUTION, AND ARBITRATION

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to conflict of laws principles. Any dispute arising under or relating to this Disclaimer is subject to the mandatory arbitration provisions, class action waiver, and jury trial waiver set forth in the Company's Terms and Conditions, which are incorporated herein by reference. To the extent any dispute proceeds in court rather than arbitration, exclusive jurisdiction and venue shall be in the state and federal courts of New Castle County, Delaware.

12. SEVERABILITY, MODIFICATIONS, AND SURVIVAL

Severability: If any provision of this Disclaimer is held invalid, unenforceable, or contrary to applicable law by a tribunal of competent jurisdiction, such provision shall be severed and the remainder of this Disclaimer shall continue in full force and effect.

Modifications: The Company reserves the right to revise, update, or modify this Disclaimer at any time without prior notice. Revisions are effective immediately upon posting. Your continued use of the Services constitutes acceptance of the revised Disclaimer. The most current version will always be available at 123creditboost.com/disclaimer.

Survival: All provisions of this Disclaimer that by their nature are intended to survive termination of your use of the Services shall survive, including without limitation Sections 1 through 11.