Terms of Service

1. Agreement to Terms

By accessing or using 3B Credit Builder ("Service," "Platform"), operated by Bounce Back Brian LLC ("Company," "we," "us," "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not access or use the Service. Your continued use of the Service constitutes acceptance of any updates to these Terms.

2. Nature of the Service — Educational Platform

3B Credit Builder is an educational and organizational software platform. The Service provides tools to help you:

• Upload, analyze, and organize your personal credit report data
• Identify potentially disputable items in your credit file
• Generate template dispute letter documents
• Track the status of your self-directed dispute campaigns
• Understand your rights under the Fair Credit Reporting Act (FCRA)

What we are not and do not do:

• We are not a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq.
• We do not submit disputes to credit bureaus or creditors on your behalf.
• We do not represent you in any capacity before any credit bureau, creditor, collection agency, or government entity.
• We do not provide legal advice, financial advice, or credit counseling.
• We are not affiliated with, endorsed by, or sponsored by Experian, Equifax, TransUnion, or any government agency.
• We do not make credit decisions or credit recommendations.
• We do not guarantee any improvement in your credit score or credit file.

You are solely responsible for reviewing, signing, and submitting your own dispute letters and for all communications with credit bureaus, creditors, and collection agencies.

3. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use this Service. By creating an account, you represent and warrant that you meet these requirements. Accounts created on behalf of minors or using false identity information will be terminated.

4. Your Credit Report and Identity Documents

When you upload a credit report, government-issued identification, proof of address, or any other document, you represent and warrant that:

• The document belongs to you and was obtained by you legally.
• You are not uploading another person's documents without their express written authorization.
• You consent to our processing of that data to provide the Service.

Uploading another person's credit report or identity documents without proper authorization may violate federal law, including the FCRA (15 U.S.C. § 1681), the Identity Theft Enforcement and Restitution Act, and applicable state laws. The Company reserves the right to terminate accounts and cooperate with law enforcement in such cases.

Uploaded documents are stored in a private, access-controlled storage system. Documents are not publicly accessible. We use signed, time-limited URLs when documents must be accessed for letter generation. See our Privacy Policy for complete data handling details.

5. Subscriptions, Billing, and Letter Credits

Paid features are offered on a subscription or one-time payment basis, processed by Stripe. We do not store your payment card information.

Plan Descriptions:

• Starter (Free): Limited access to the platform. Credit report upload and preview available. No dispute letter generation.
• Builder ($49.99/month): Full access to dispute letter generation, mail center, timeline tracking, response analysis, and AI-powered tools while your subscription remains active.
• Strategy ($99.99/month): All Builder features plus strategy-tier tools and priority support.

Letter Credits:

• Builder and Strategy plans include a monthly letter generation allowance that resets each billing period.
• Unused letter credits do not roll over to the next period.
• Additional letter credits may be purchased separately.

Subscription Upgrades:

• Upgrading from Builder to Strategy applies a prorated credit for unused Builder time and charges the difference immediately.
• Upgrades take effect immediately upon payment.

Billing and Renewal:

• Subscriptions renew automatically on the same date each month unless cancelled.
• You may cancel your subscription at any time through your Billing settings. Cancellation takes effect at the end of the current billing period; access continues until then.
• We reserve the right to change subscription pricing with at least 30 days' notice. Price changes apply to your next billing period.

Certified Mailing Fees:

Certified mailing of dispute packets is an optional paid service charged per bureau, in addition to your subscription. These fees are non-refundable once mail has been processed and submitted to our mailing partner.

Refunds:

You have a 3-day right of rescission for subscription purchases. Refund requests submitted within 3 days of the original purchase date will be honored. After 3 days, refunds are evaluated case-by-case. One-time fees (Analyzer, certified mailing) are generally non-refundable after service delivery. Contact credit@bouncebackbrian.com for refund requests.

6. AI-Generated Content

The Service uses artificial intelligence to analyze credit reports and generate dispute letter drafts. AI-generated content is provided as a starting point and template — not as legal advice. You are responsible for reviewing all generated content before use, ensuring its accuracy, and making any necessary modifications. You sign dispute letters as yourself, acting on your own behalf. The Company is not responsible for outcomes resulting from your use of AI-generated letters.

7. Affiliate Relationships

3B Credit Builder may recommend third-party credit monitoring services (such as MyFreeScoreNow, SmartCredit, or others) as sources for obtaining your credit report. We may receive compensation when you sign up for these services through our affiliate links. Use of any third-party provider is entirely optional and not required to use 3B Credit Builder. These providers are independent companies and are not affiliated with, owned by, or operated by Bounce Back Brian LLC. See our Affiliate Disclosure for full details.

8. Acceptable Use

You agree not to:

• Upload credit reports or documents belonging to another person without their express authorization.
• Use the platform to create dispute letters for persons other than yourself without their written consent.
• Attempt to circumvent any security, access control, or billing system.
• Use the Service for any unlawful purpose or in violation of any applicable federal, state, or local law.
• Reverse engineer, decompile, or attempt to extract source code from the platform.
• Share account credentials with third parties or create accounts on behalf of others.

9. Communications

By creating an account, you consent to receive transactional emails related to your account (billing receipts, subscription confirmations, dispute timeline reminders, bureau response notifications). You may opt out of non-essential marketing emails at any time via the unsubscribe link in any email.

10. Limitation of Liability

To the fullest extent permitted by applicable law, the Company, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of data, revenue, or credit opportunities, arising from your use of or inability to use the Service. Our total aggregate liability to you for any claim arising from your use of the Service shall not exceed the greater of (a) the total fees you paid us in the 12 months preceding the claim, or (b) $100.

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another person or entity.

12. Termination

We may suspend or permanently terminate your account at our discretion if you violate these Terms, use the Service for fraudulent or illegal purposes, or engage in conduct that harms other users or the Company. Upon termination, your access to the Service will cease. Provisions that by their nature should survive termination (including Sections 2, 10, 11, and 13) will survive.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of [State], without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of the Service shall be resolved by binding arbitration under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property or unauthorized access claims. You waive any right to a jury trial or class action.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or in-app notice at least 14 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms.

15. Contact Us

For questions about these Terms, contact us at:
credit@bouncebackbrian.com
Bounce Back Brian LLC