Terms of Service

1 · What Subefy is

Subefy is credit-education software that you direct. It retrieves your credit reports with your authorization, identifies items you may lawfully dispute, drafts dispute letters with AI for your review and approval, readies approved letters for you to print and mail by certified mail, tracks responses, and (on Builder) reports positive payments. Subefy is not a bank, credit bureau, law firm, or financial advisor, and nothing in the service is legal or financial advice.

2 · Your account

You must be 18+, a U.S. resident, and provide accurate information. Keep your credentials private; you're responsible for activity on your account.

3 · Plans, billing & cancellation

• The Free plan is $0. Builder is $5.99/month. Plus is $19.99/month with your first month free — you can cancel during the first month and pay nothing.
• Subscriptions renew monthly until you cancel, which you can do anytime in Settings in two taps; cancellation takes effect at the end of the billing period.
• CROA rights: in addition to everything above, you may cancel any credit-repair service contract without penalty within 3 business days of signing, and no fee is collected for dispute services before they are performed. See our Disclosures for your full Consumer Credit File Rights.

4 · No guarantees

We never promise a specific score change, deletion, or timeline. Accurate, current, verifiable information cannot lawfully be removed. Results depend on your report and the bureaus' responses.

5 · Acceptable use

Don't submit false information, dispute items you know are accurate, misuse the service, or attempt to access others' data. We may suspend accounts that do.

6 · The legal fine print

The service is provided "as is" to the fullest extent permitted by law; our total liability is limited to the amounts you paid us in the 12 months before a claim. These terms are governed by Utah law, and disputes will be resolved in Utah courts unless applicable law provides otherwise. If any provision is unenforceable, the rest stand.

Contact: info@subefy.com. Plain-English terms — have counsel review before public launch.