Terms of Service
These Terms of Service (the “Terms”) are a binding contract between you and Quantyra Labs LLC only (“we”, “us”, or “our”). They cover the websites, accounts, letter-generation tools, suggested dispute-round cadence, debt-payoff planner, and related features at freecreditdispute.org (together, the “Service”).
Members, managers, officers, employees, and contractors of Quantyra Labs LLC, including any natural person who built or operates the Service, are not parties to this contract and have no obligations to you under it.
By creating an account, generating a letter, or using the Service, you agree to these Terms, the Privacy Policy, the Consumer Credit File Rights notice, and the Contact Choices notice. If you do not agree, do not use the Service.
1. What the Service is
The Service is a self-help document tool. It lets you:
- enter information that already appears, or that you believe should appear, on a consumer credit report;
- generate printable PDF letters in a handwriting-style typeface addressed to Equifax, Experian, TransUnion, and/or furnishers you select;
- see a suggested dispute-round cadence and a reinvestigation window you track yourself;
- optionally model a debt-payoff plan from figures you enter.
You review, edit, sign, print, and mail every letter yourself. You pay your own postage and any certified-mail fees.
We do not mail letters. We do not call or write bureaus or creditors on your behalf. We do not appear as your representative, agent, attorney, or credit-repair provider.
Suggested rounds are operational reminders, not legal strategy and not a promise that a bureau will act by any date.
2. What the Service is not
The Service is not:
- legal advice, a law firm, or a lawyer-client relationship;
- a consumer reporting agency under the Fair Credit Reporting Act;
- a promise that any item will be deleted, corrected, or unverified;
- a promise that a credit score will rise, a loan will be approved, or interest will drop;
- a credit-monitoring product;
- a mortgage application, loan commitment, pre-qualification, or pre-approval.
You may dispute errors directly with each nationwide consumer reporting agency at no charge, with or without this tool. See the Consumer Credit File Rights notice and AnnualCreditReport.com.
Quantyra Labs LLC does not receive money or other valuable consideration for performing credit-improvement services. Optional mortgage contact, if you separately request it, is a different transaction. It is not the price of generating a letter. Consent to that contact is not required to use the letter tool.
3. Eligibility and authority
You must be at least 18 and able to form a binding contract. You may use the Service only for your own consumer file. Do not create letters for another person.
You represent that every name, address, date of birth, Social Security number last-four, telephone number, and account identifier you enter is yours or that you are authorized to use it. You will not enter another person’s SSN or phone number to obtain a code or a letter.
The Service is intended for individuals in the United States. We do not market to children under 13.
4. Accounts
Some features require an account. You must provide accurate registration information and keep credentials confidential. You are responsible for all activity under the account.
We require email verification before creating disputes and downloading letters. We do not send SMS or require phone verification.
Notify [email protected] if you believe the account is compromised. We may provision an account at your request. Those accounts remain subject to these Terms.
We may refuse, suspend, or close an account at any time, including if we reasonably believe it is being used for false disputes, identity concealment, unlicensed credit repair, scraping, or abuse.
5. Your content and your letters
You retain whatever rights you have in information you type (“User Content”). You grant Quantyra Labs LLC a limited license to host, process, generate PDFs from, display to you and to Quantyra Labs LLC administrators, back up, and delete that User Content solely to operate the Service and as described in the Privacy Policy.
You are the author and sender of every letter. Templates, fonts, preloaded addresses, recommended dispute-reason labels, and suggested cadence are conveniences. They are not legal advice and are not warranted as accepted by any bureau.
You must read each PDF before you sign or mail it. If a template does not match your facts, change it or do not send it. Mailing a letter is your act. We do not mail the letter or communicate with its recipient on your behalf.
We do not store generated PDFs indefinitely. A PDF stops being available 72 hours after it is generated, and is deleted from storage shortly after that. Your dispute record stays in your account and the letter can be regenerated on demand, but keep your own copy of anything you mail.
6. Honest use only
Federal law prohibits untrue or misleading statements to a consumer reporting agency made to manipulate a file. 15 U.S.C. § 1679b(a) applies to any person, including you.
You agree that you will:
- dispute only information you believe in good faith is inaccurate, incomplete, outdated, or unverifiable;
- not use the Service to try to remove accurate, current, and verifiable information;
- not invent creditors, account numbers, identity details, or supporting facts;
- not use the Service to build a new identity, file, or Social Security number;
- not automate mass generation of letters for other people as a business without a separate written agreement with Quantyra Labs LLC.
Violation is grounds for immediate termination and is a material breach.
7. No fee for the letter tool
Letter generation is offered at no charge. No card is required. Printing, postage, and optional certified mail may cost extra.
There is no paid tier or subscription in this Service. Nothing in these Terms waives your rights under applicable consumer-protection law.
8. Optional mortgage contact is separate
The Service may offer a chance to hear about licensed mortgage or other financial-services options. That offer is optional and independent of letter generation.
Our staff reviews mortgage inquiries manually and may contact you only when you separately request it. The Service does not send SMS. Contact consent is not a condition of generating letters.
Any later inquiry or application is a separate relationship with the lender or mortgage broker named at that time. Those parties issue their own disclosures. These Terms do not approve a loan and do not make Quantyra Labs LLC a loan originator as to you unless a separate licensed relationship is formed.
9. No guaranteed results: you assume the outcome risk
Bureaus generally have 30 days (sometimes 45) to reinvestigate after they receive a dispute. Mailing time is extra. Accurate information can remain for the period the FCRA allows.
Handwriting-style typefaces, address lists, and escalation templates do not guarantee a human reviewer, a deletion, a better score, a cheaper loan, or any CFPB, court, or bureau outcome.
You assume the risk that a bureau or furnisher ignores, rejects, or verifies an item; that an address is outdated; that a font or template is treated as a mass-generated credit-repair letter; that certified mail is delayed or lost; or that a score or credit decision does not change.
You decide whether to complain to the CFPB, a state attorney general, or a court. Quantyra Labs LLC does not file those complaints.
To the maximum extent permitted by law, you release Quantyra Labs LLC and the Protected Parties (defined below) from claims arising out of a bureau’s or furnisher’s response, a score, a loan decision, or your decision to mail or not mail a letter, except for Quantyra Labs LLC’s willful misconduct.
10. Acceptable use
You will not probe or overload the Service; bypass authentication; use another person’s account; upload malware; scrape the creditor directory for a competing commercial database; or represent that Quantyra Labs LLC mailed a letter, represents you, or is your lawyer.
11. Intellectual property
The Service, templates, software, creditor-directory compilation, handwriting layout, and marks are owned by Quantyra Labs LLC or its licensors. You receive a personal, revocable, non-transferable license to generate letters for your own file. You receive no right to resell the templates as a credit-repair product and no right to hold Quantyra Labs LLC out as your counsel or agent.
12. Privacy
The Privacy Policy controls data-use questions if it conflicts with these Terms on that subject.
13. Suspension and termination
You may close your account by emailing [email protected]. Quantyra Labs LLC may suspend or terminate access for breach, legal requirement, abuse, or discontinuation of the Service.
After closure, User Content is deleted or de-identified as described in the Privacy Policy, except security, fraud, consent, and legal-hold records. Closing the account does not retract a letter you already mailed.
Sections 5–6, 9, 11, and 14–21 survive termination.
14. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, Quantyra Labs LLC AND THE PROTECTED PARTIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT ADDRESSES, TEMPLATES, FONTS, CADENCE SUGGESTIONS, OR CALCULATORS ARE COMPLETE, CURRENT, OR ACCEPTED BY ANY BUREAU, FURNISHER, LENDER, OR AGENCY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
Some states do not allow certain warranty disclaimers. Those limits apply only to the extent a statute forbids the disclaimer.
15. Limitation of liability and protected parties
“Protected Parties” means Quantyra Labs LLC and its current and former members, managers, officers, employees, contractors, service providers, and agents (including any natural person who designed, hosts, or operates the Service), in each case solely in that capacity.
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
(A) NEITHER Quantyra Labs LLC NOR ANY PROTECTED PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST CREDIT OPPORTUNITY, A SCORE THAT DID NOT CHANGE, A LOAN THAT WAS DENIED, POSTAGE, OR EMOTIONAL DISTRESS, EVEN IF ADVISED OF THE POSSIBILITY.
(B) THE TOTAL LIABILITY OF Quantyra Labs LLC AND THE PROTECTED PARTIES, TOGETHER, FOR ALL CLAIMS ARISING OUT OF THE SERVICE IS LIMITED TO THE GREATER OF (I) ONE HUNDRED U.S. DOLLARS (US $100) OR (II) THE AMOUNT YOU PAID Quantyra Labs LLC FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM. BECAUSE THE LETTER TOOL IS FREE, THAT AMOUNT IS ORDINARILY US $100.
(C) YOU WILL LOOK ONLY TO Quantyra Labs LLC, NOT TO ANY MEMBER, MANAGER, OR NATURAL PERSON, FOR SATISFACTION OF ANY CLAIM, EXCEPT TO THE EXTENT A STATUTE FORBIDS ELIMINATION OF LIABILITY FOR THAT PERSON’S OWN FRAUD OR WILLFUL MISCONDUCT.
These limits do not apply to liability Florida law does not allow to be limited.
16. Indemnity
You will defend, indemnify, and hold harmless Quantyra Labs LLC and the Protected Parties from any claim, demand, investigation, or proceeding arising out of:
- letters you generated, signed, or mailed;
- User Content that is false, unauthorized, or another person’s identifying information;
- your misuse of the Service, including operating an unlicensed credit-repair business with the templates;
- your statements to a bureau, furnisher, regulator, or court;
- a phone number or email you provided that was not yours;
- third-party claims that Quantyra Labs LLC is your lawyer, agent, or credit-repair organization because of how you used or described the Service;
except to the extent caused by Quantyra Labs LLC’s willful misconduct. Quantyra Labs LLC may assume exclusive defense at your expense. You will not settle a claim that imposes an obligation on Quantyra Labs LLC without Quantyra Labs LLC’s written consent.
17. Time to sue; no class action
Any claim against Quantyra Labs LLC or a Protected Party must be filed within one (1) year after the claim accrued, unless a statute that cannot be shortened requires a longer period.
You and Quantyra Labs LLC will litigate only in an individual capacity. You waive any right to participate as a class representative or class member, or in a private-attorney-general or consolidated mass action, to the maximum extent permitted by law. If that waiver is held unenforceable as to a particular claim, that claim proceeds in the courts named below and all other claims remain subject to the waiver.
18. Governing law, venue, informal notice
Florida law governs these Terms, without regard to conflict-of-law rules. Exclusive venue is the state courts in Pinellas County, Florida, or the United States District Court for the Middle District of Florida, Tampa Division, unless a statute requires another forum.
Informal resolution first. Email [email protected] with a short description of the dispute and wait thirty (30) days before filing, unless waiting would cause irreparable harm or a limitations period is about to expire. That notice is a condition to filing.
We do not currently require arbitration. A later arbitration clause will not apply to disputes that already accrued unless you agree.
If Quantyra Labs LLC is the prevailing party in an action you file that a court finds was brought in bad faith or to use the Service as a commercial credit-repair shop, Quantyra Labs LLC may recover its reasonable attorneys’ fees and costs.
19. Changes; discontinuation
Quantyra Labs LLC may update these Terms. The “Last updated” date will change. Material changes will be posted on the Service. Continued use after the effective date is acceptance. If you do not agree, close the account and stop using the Service.
Quantyra Labs LLC may modify or discontinue any feature, template, address list, or the Service as a whole, without liability, because the letter tool is free.
20. Miscellaneous
These Terms, the Privacy Policy, the Consumer Credit File Rights notice, and any SMS terms you accept are the entire agreement for the Service. There are no third-party beneficiaries except the Protected Parties, who may enforce Sections 14–17.
If a provision is unenforceable, the rest remains in force. Failure to enforce a term is not a waiver. You may not assign these Terms. Quantyra Labs LLC may assign them in a sale of the product or the company.
Notices to Quantyra Labs LLC are effective when received at the address or email below. Notices to you may be sent to the email on the account.
Nothing in these Terms creates a partnership, joint venture, or agency between you and Quantyra Labs LLC.
21. Contact
Quantyra Labs LLC
Attn: freecreditdispute.org, Legal
7901 4th St N, Ste 300, St. Petersburg, FL 33702