1. Authorization to Access Credit Information
You expressly authorize Clever Kit to access, obtain, and review your consumer credit reports and credit-related information from third-party credit-reporting agencies, credit-monitoring services, or other data providers for the purpose of providing credit education, analysis, and dispute-preparation services.
This authorization includes—but is not limited to—reviewing credit-report data, account information, tradelines, public records, inquiries, and other credit-related items.
2. Consent to Data Sharing & Use
By submitting your information, you consent to the electronic transmission, receipt, and secure storage of your credit data.
We will use your credit information only to deliver the services you request—such as generating dispute letters, providing credit education, or offering analysis through the Clever Kit platform.
We do not sell, rent, or share your credit-report data with unauthorized third parties.
3. Data Security & Protection
All credit information obtained through this website is stored, transmitted, and processed using industry-standard encryption (SSL/TLS) and secure server environments.
Access to your credit information is limited to authorized personnel who require it to perform the services described.
We maintain administrative, technical, and physical safeguards to protect against unauthorized access, disclosure, or misuse of your data.
4. User Responsibility
You agree that you are voluntarily providing access to your credit-report data and understand that Clever Kit relies on the accuracy of information provided by third-party credit-monitoring services.
You are responsible for ensuring all personal and account information you supply is true, accurate, and complete.
You may revoke this authorization at any time by discontinuing use of our services and providing written notice to Clever Kit.
5. Service Scope & No Legal Advice Disclaimer
Clever Kit Custom Letters provides automated credit-education tools and document generation for informational purposes only.
We are not a law firm, do not offer legal advice, and do not represent you in any legal proceeding or communication with creditors, collectors, or credit bureaus.
Any letters or recommendations generated by the platform are based on publicly available consumer-law references and user-provided data. You are solely responsible for reviewing, editing, signing, and submitting them.
6. Accuracy of Information
You acknowledge that Clever Kit is not liable for outcomes resulting from inaccurate, incomplete, or outdated information supplied by you or by any third-party credit-reporting source.
7. Revocation & Data Retention
Upon written revocation of authorization or account deletion, Clever Kit will cease accessing your credit data.
Certain records may be retained for audit, legal, or compliance purposes in accordance with applicable law and our Privacy Policy.
8. Electronic Communications & E-Signature Consent
By using the platform, you consent to receive disclosures, updates, and service communications electronically.
Your digital acknowledgment or continued use of the platform.
9. Limitation of Liability
To the fullest extent permitted by law, Clever Kit LLC and its affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from use of the platform—including, but not limited to, credit-score changes, credit denials, or delays in dispute processing.
10. Compliance with Federal & State Laws
Clever Kit operates in compliance with the Fair Credit Reporting Act (FCRA) and, where applicable, the Fair Debt Collection Practices Act (FDCPA).
We do not impersonate consumers, file identity-theft reports, or submit disputes on your behalf without your explicit consent.
11. Governing Law & Venue
These Terms are governed by the laws of the State of [insert state], without regard to its conflict-of-law principles.
Any dispute arising from or relating to these Terms shall be brought in the state or federal courts located in [insert county/state].
12. Modifications to Terms
We may modify or update these Terms at any time. Updates take effect upon posting to this website, and continued use of the platform constitutes acceptance of the revised Terms.
13. Acknowledgment
By creating an account, signing in, or otherwise using this website, you acknowledge that you have read, understood, and agreed to this Authorization and Terms of Use.
14. Use of Artificial Intelligence (AI) and Automation
Clever Kit uses advanced AI-driven systems to assist in the analysis of your credit data and the creation of personalized dispute letters and educational materials.
AI tools may review patterns, detect inconsistencies, or suggest dispute language based on consumer-protection laws such as the Fair Credit Reporting Act (FCRA).
All AI-generated materials are reviewed or made available for your review prior to submission.
You acknowledge and consent to the use of AI technology for these limited purposes and understand that the final responsibility for verifying accuracy and completeness remains with you.
Clever Kit does not use AI to make credit or lending decisions, determine eligibility, or provide legal conclusions.