By creating a Credit365 account, you agree to these Terms. Please also review our Disclosures and Privacy Policy, which are incorporated into these Terms by reference.
Credit365 ("we", "us", "our", "the Service") is a self-service software platform operated by Rhythm Capital, accessible at credit365.io. These Terms of Service govern your use of the Service.
To use Credit365 you must:
Credit365 is a self-service technology platform. You, the client, use our tools to:
You are the party disputing items on your credit report. Credit365 does not act as your legal representative, agent, or attorney-in-fact. Each letter is sent in your name with your explicit authorization (by clicking Mail), and the credit bureaus receive your dispute directly.
When you use Credit365, you agree to:
Each fee is charged per dispute item, per submission round. Re-disputing the same item (rounds 2, 3, etc.) requires a new payment. All prices are in U.S. dollars.
Payments are processed by PayPal. You may use a PayPal account balance, a linked bank account, or any credit/debit card PayPal accepts. Credit365 does not see, store, or touch your card number, CVV, or PayPal credentials — those are handled entirely within PayPal's secure environment.
ALL SALES FINAL ONCE THE LETTER IS GENERATED. Fees are non-refundable after the AI has generated your dispute letter(s). This is because:
Refunds will only be considered in the following limited circumstances:
To request a refund in one of the above situations, email support@credit365.io with the payment ID and details. We respond within 2 business days.
If you initiate a chargeback with PayPal for any reason other than the limited circumstances above, we may: (a) dispute the chargeback with evidence of the generated letter, the Mail button confirmation, and USPS tracking records; (b) suspend your account; (c) recover costs and fees through available legal channels. Please contact us first before filing a chargeback — we'd rather fix a problem than fight over it.
We may suspend or terminate your account, with or without prior notice, if we determine in good faith that you have:
You may terminate your account at any time by emailing us. Upon termination, your data will be retained for the periods specified in our Privacy Policy and then deleted.
All software, design, text, graphics, logos, and content on Credit365 (other than user-uploaded content and user-generated letters) are the property of Rhythm Capital or its licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
You retain ownership of the credit reports you upload and the dispute letters generated for you. By using the Service, you grant Credit365 a limited license to process, store, modify, and transmit that content as necessary to provide the Service.
The "Credit365" name and logo are trademarks. You may not use them without written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by applicable law, Credit365 disclaims all warranties, including but not limited to:
You use the Service at your own risk. You are responsible for reviewing every letter before mailing, for the accuracy of information you provide, and for the decisions you make based on AI output.
To the fullest extent permitted by applicable law, in no event will Credit365, Rhythm Capital, or their officers, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of credit score, loss of creditworthiness, loss of reputation, or any similar damages, whether based in contract, tort (including negligence), strict liability, or otherwise.
Our aggregate liability to you for any claim arising out of or related to the Service is limited to the greater of (a) the total amount you paid to Credit365 in the 12 months preceding the claim, or (b) $100 USD.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.
You agree to indemnify, defend, and hold harmless Credit365, Rhythm Capital, and their officers, employees, and agents from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising out of:
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any legal action or proceeding arising out of these Terms or the Service will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.
(If you have an attorney, you may want to add an arbitration clause, class-action waiver, and specific venue language here. Those clauses are enforceable in most states but require state-specific drafting.)
We may update these Terms from time to time. The current version always appears at credit365.io/terms.html. If we make material changes, we'll notify active users by email and require re-acceptance before you can continue using the Service. Continued use of the Service after a Terms update constitutes acceptance of the updated Terms.
These Terms, together with our Disclosures and Privacy Policy, constitute the entire agreement between you and Credit365 regarding the Service. If any provision is held unenforceable, the remaining provisions remain in full force and effect.
Questions about these Terms, your account, or the Service: support@credit365.io