Terms of Service
Last updated: pending counsel sign-off
1. Acceptance
By creating an account or using the MagnusCreditRepair service you agree to these terms. If you do not agree, do not use the service.
2. Eligibility
You must be a U.S. consumer of legal age in your state to use this service. Business or commercial credit is not in scope.
3. Scope of services
We help you draft FCRA §611 dispute letters, track bureau responses, and set credit goals. We do not provide legal advice. Counsel review is your responsibility.
4. CROA contract
Paid services are gated behind a written CROA-compliant contract that you sign before any service is performed. See disclosures for the full set of statutory rights, including the three-day cancellation window and the prohibition on upfront fees.
5. AI-drafted content
Any letter, summary, or coaching recommendation produced with AI assistance is a draft. You are responsible for reviewing and editing every AI output before submitting it to a bureau, creditor, or other third party.
6. Fees and refunds
Fees are collected only after the disputes you engaged us to file have been filed. Specific pricing and refund details are presented at checkout and in the CROA contract.
7. Termination
You may close your account at any time. Closure does not invalidate disputes already mailed; bureau responses continue under your control.
8. Limitation of liability
Counsel-drafted limitation of liability and disclaimer of warranties to be inserted before launch.
9. Governing law
Choice-of-law and dispute-resolution clauses to be inserted before launch.
10. Changes
We will notify you of material changes to these terms. Continued use after notice constitutes acceptance.
This page is a developer placeholder. Every section above carries a TODO[legal] marker; counsel must review and finalize all consumer-facing wording before launch.