Terms of Use

Clever Kit AI Ecosystem — User Authorization & Terms of Use

Effective Date: Dec 8, 2025
 Last Updated: Dec 8, 2025

These Terms govern your use of the Clever Kit AI ecosystem, including Clever Kit Pro (“CKP”), Clever Kit Custom, Clever Kit Validate (“CKV”), our websites, platforms, mobile tools, AI models, white-label partner portals, and connected integration services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agreed to these Terms.

 

1. Authorization to Access Credit Information

You expressly authorize the entire Clever Kit AI ecosystem to:

  • Access, obtain, retrieve, and review your consumer credit reports

  • Access your credit data from integrated monitoring services (SmartCredit®, IdentityIQ, Array, or any authorized partner)

  • Fetch and analyze uploaded credit reports

  • Store and process your credit information for purposes of generating dispute letters, validation letters, action plans, credit summaries, and educational guidance

This authorization includes, but is not limited to, reviewing:

  • Tradelines, inquiries, balances, utilization

  • Late payments, collections, charge-offs, public records

  • Name/address variations and personal identifiers

  • Student loan data and multi-furnisher reporting

You may revoke this authorization at any time by disconnecting monitoring services and providing written notice.

2. Consent to Data Sharing & Use

By submitting your information or connecting a credit-monitoring platform, you consent to:

  • The secure electronic transmission of credit data

  • Encrypted storage and processing by Clever Kit AI

  • Use of your data strictly for the services you select

We do not sell or rent your personal or credit information.

We may share limited data only with:

  • Hosting providers

  • Payment processors

  • Document generation systems

  • Mailing APIs (USPS, LOB)

  • SmartCredit or other monitoring providers you connect

All sharing aligns with our Privacy Policy and is required to deliver the services requested.

3. Use of Artificial Intelligence (AI) & Automation

The Clever Kit ecosystem uses proprietary and third-party AI systems to:

  • Analyze credit reports

  • Identify potential inaccuracies

  • Suggest dispute strategies

  • Generate dispute letters, validation letters, and educational insights

  • Detect Metro 2 and FCRA inconsistencies

  • Surface consumer-law references (FCRA, FDCPA, FACTA, etc.)

Important Legal Notice

AI-generated outputs are:

  • Educational tools

  • Not legal advice

  • Not reviewed by an attorney unless explicitly stated

  • Subject to your personal review before submission to any bureau or creditor

You remain fully responsible for:

  • Reviewing the accuracy of all AI-generated content

  • Deciding whether to send any dispute or validation letter

  • Ensuring the information in your credit reports is accurate and up to date

Clever Kit does not file disputes on your behalf unless expressly stated in a managed-service agreement.

4. Data Security & Protection

We safeguard your data using:

  • Encryption at rest and in transit

  • Role-based access control

  • Secure cloud architecture

  • Regular security audits

  • Strict internal access protocols

Only authorized personnel or systems may access your data for service delivery.

5. User Responsibility

By using Clever Kit AI, you agree that:

  • You voluntarily grant access to your credit-monitoring data

  • You must maintain an active credit-monitoring subscription (e.g., SmartCredit®) for CKP to function

  • Monitoring fees are billed separately by the monitoring provider

  • Clever Kit has no control over third-party billing

  • You are responsible for reviewing and approving all AI-generated materials before sending

You acknowledge that the quality of your results depends on:

  • Accurate, complete data

  • Active credit-monitoring connections

  • Timely updates from third-party bureaus

You may cancel your SmartCredit subscription at any time through SmartCredit directly.

6. Scope of Service & No Legal Advice Disclaimer

Clever Kit AI provides:

  • Automated credit-report analysis

  • AI-assisted dispute generation

  • Educational summaries

  • Consumer-law reference material

  • Debt-validation drafting tools

  • Credit-building guidance

  • Progress tracking

Clever Kit is NOT:

  • A law firm

  • A legal service provider

  • A substitute for attorney review

  • A representative in any legal, administrative, or arbitration proceeding

All outputs are self-help educational tools. You are responsible for how you choose to use them.

7. Accuracy of Information

Clever Kit AI is not responsible for:

  • Incorrect data provided by you

  • Errors or delays from SmartCredit, bureaus, or other providers

  • Bounced emails, mail delays, or bureau response times

  • Inaccurate or outdated credit data in third-party systems

Your results depend on your data accuracy.

8. Revocation, Account Termination & Data Retention

You may:

  • Revoke access to your credit data

  • Request your data be deleted

  • Close your account at any time

Upon termination, Clever Kit will discontinue all access to your credit data but may retain records as required for:

  • Compliance

  • Fraud prevention

  • Legal obligations

9. Electronic Communications

By using the Services, you consent to receive:

  • Emails

  • Digital notices

  • Electronic agreements

  • Security alerts

  • Platform updates

Electronic consent has the same legal effect as a physical signature.

10. Limitation of Liability

To the fullest extent allowed by law:

Clever Kit LLC, its officers, employees, partners, and affiliates are not liable for:

  • Credit-score changes

  • Bureau or creditor decisions

  • Dispute outcomes, delays, or denials

  • Identity theft unrelated to our Services

  • Data inaccuracies from third-party providers

  • Damages of any kind arising from use or inability to use the platform

Clever Kit AI provides tools and recommendations — not guaranteed results.

11. Compliance with Consumer-Protection Laws

The Clever Kit ecosystem operates under:

  • FCRA

  • FDCPA

  • FACTA

  • ECOA

  • State UDAP laws

  • Metro 2 data requirements (for educational analysis)

We do not:

  • Impersonate consumers

  • Submit unauthorized disputes

  • File false identity-theft claims

  • Engage in credit repair practices prohibited by law

12. Modifications to Terms

Clever Kit may update these Terms at any time. Changes become effective immediately when posted. Continued use of the platform means you accept all updates.

13. AI Transparency & Human Oversight

Clever Kit AI includes optional human oversight:

  • Users may review, edit, and adjust all outputs

  • Partners using the platform may also review client letters

  • Human staff may assist with formatting, quality checks, and compliance moderation

Final submission responsibility always remains with the user.

14. Acknowledgment

By creating an account or using the Services, you confirm that you:

  • Read and agree to these Terms

  • Understand that the platform provides educational tools, not legal advice

  • Authorize Clever Kit AI to access, store, and analyze your credit data

  • Accept responsibility for all letters and disputes you choose to submit