CreditBooster.ai

Service Agreement

Last Updated on May 18th, 2026

This SERVICE AGREEMENT ("Agreement") is made effective on the date accepted electronically by and between CB.AI ("Company") and the user acknowledging this Agreement ("Member" or "you") under the terms and conditions set forth below. Company and Member are referred to individually as a "Party" and collectively as the "Parties" hereto.

Nature of the Service. CreditBooster.ai is a software-as-a-service (SaaS) platform. Company provides access to AI-powered software tools, educational content, and document templates that enable you to better understand your credit profile, evaluate your options, and take your own actions. Company does not perform credit repair services for you or on your behalf, and is not a Credit Repair Organization as defined under the federal Credit Repair Organizations Act (CROA) or any analogous state statute. All actions affecting your credit profile are taken by you, using the tools that the software provides.

Credit Repair Organizations Act (CROA) Definition. Under federal law, a "credit repair organization" is defined at 15 U.S.C. § 1679a(3) as any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of (i) improving any consumer's credit record, credit history, or credit rating, or (ii) providing advice or assistance to any consumer with regard to any activity or service described in clause (i).

Company's Status. CreditBooster.ai is a financial technology company that provides software-based credit education, credit analytics, and document-template tools. CreditBooster.ai is not a credit repair organization as defined above. It does not directly engage in credit repair activities and does not negotiate, communicate, or otherwise act with creditors, furnishers, or consumer reporting agencies on behalf of consumers. The Software Services provide tools that enable members to understand their own credit profile and, if they choose, to draft and send their own communications to credit bureaus or furnishers regarding items they believe are inaccurate.

MEMBER ACKNOWLEDGMENT. YOU ACKNOWLEDGE AND AGREE THAT (A) CREDITBOOSTER.AI IS NOT A CREDIT REPAIR ORGANIZATION, A CONSUMER REPORTING AGENCY, OR A CREDIT REPORTING AGENCY; (B) CREDITBOOSTER.AI DOES NOT OFFER OR PERFORM CREDIT REPAIR SERVICES, DEBT SETTLEMENT SERVICES, CREDIT COUNSELING SERVICES, OR LEGAL OR FINANCIAL ADVICE; (C) CREDITBOOSTER.AI DOES NOT GUARANTEE ANY SPECIFIC CREDIT SCORE OUTCOME, THE REMOVAL OF ANY ITEM FROM A CREDIT REPORT, OR ANY OTHER RESULT; (D) ANY DRAFT LETTERS, DOCUMENTS, OR OTHER MATERIALS GENERATED BY THE SOFTWARE SERVICES ARE PRODUCED ON YOUR DIRECTION, REVIEWED AND AUTHORIZED BY YOU, AND SENT IN YOUR NAME AS YOUR OWN COMMUNICATIONS; AND (E) YOU UNDERSTAND THAT, UNDER THE FAIR CREDIT REPORTING ACT (FCRA), YOU MAY DISPUTE INACCURATE OR INCOMPLETE INFORMATION DIRECTLY WITH ANY CONSUMER REPORTING AGENCY OR FURNISHER, AT NO CHARGE, INDEPENDENT OF THE SOFTWARE SERVICES.

1. Purpose, Authorization, and Scope of Software Access

The purpose of this Agreement is for you to access Company's software platform and AI tools ("Software Services"), which include features for retrieving and viewing your consumer credit data, generating personalized insights, accessing letter templates, and reviewing Third-Party Offers. You operate these tools yourself and decide which actions, if any, to take based on the information and templates the software produces.

In accordance with the Fair Credit Reporting Act (FCRA) and other applicable law, you hereby authorize and instruct Company and its affiliates to obtain your Credit Report(s) and related information from one or more third parties such as Credit Bureaus, for the limited purpose of making such information available to you through the Software Services, including delivering prequalified Third-Party Offers.

You understand your instructions let Company and its affiliates obtain such information and use it for the purpose of operating the Software Services for as long as you have a registered account with Company as described in the Terms of Use. You may revoke these instructions by cancelling this Agreement as set forth in Section 17 below. Company will provide you with access to your Credit Report and other information about your credit profile on Company's member portal, which you can access 24 hours a day.

2. Charges for Software Access (Paid Subscriptions Only)

If you are enrolling in a paid subscription tier for which you are charged a fee, then the provisions of this Section 2 apply to You. The subscription fee covers your access to the Software Services. Depending on which payment method you have selected, fees will either be charged to your credit or debit card, drafted from your bank account, or drawn from another payment method.

You authorize Company to substitute additional payment methods provided by you in the event any fee or charge authorized by this Agreement is not honored upon first presentment by Company. You grant Company permission to withdraw any fee or charge authorized by this Agreement from your credit or debit card or bank account and to verify your account information.

Charges for monthly paid subscriptions will be processed on or about the same day of each month until you elect to cancel service. For example, if a fee for services was charged on the seventh of the month and you choose to continue for another month, the fee for that month will be charged on or about the seventh of the following month.

3. Optional Letter Template Generation

The Software Services include an optional feature that uses your inputs to generate letter templates you may use to communicate with Credit Bureaus or furnishers regarding items you believe are inaccurate, incomplete, outdated, or unverifiable. If you choose to use this feature, the provisions of this Section 3 apply.

You operate this feature. The software generates draft letter content based on the information you input and the selections you make in Company's member portal. You are responsible for reviewing the generated content, deciding whether to send any letter, and authorizing delivery. Letters are sent in your name and remain your communications.

3.1. Letter Delivery

You may use the software to direct delivery of a generated letter to one or more Credit Bureaus, together with any Identity Verification Documents you choose to attach. The software acts on your direction to handle the mechanics of delivery; the content, the decision to send, and the communication itself remain yours.

3.2. Continued Delivery

You may direct the software to generate follow-up letters at intervals you select until you are satisfied with the outcome.

3.3. Information Provided by You

The software may prompt you via email, telephone, text message, online alert, or in-app notification to provide additional information, including documents, updates, or other data that may improve the quality of generated content. You decide what information to provide.

3.4. Updates to You

The member portal will display any responses or correspondence the software receives on your behalf. You are responsible for regularly checking the member portal for updates and communications.

4. Member Obligations

You must cooperate and comply with the terms of this Agreement to achieve favorable outcomes. You must provide accurate and complete information to allow a fair review of your credit history and must not make any false or misleading statements regarding your creditworthiness or disputes.

4.1. Providing Identity Verification Documents

If requested, you must provide the Company with Identity Verification Documents within 3 calendar days.

4.2. Continued Payment of Debt

This Agreement does not authorize or encourage you to stop paying your creditors.

4.3. Change of Information

You must provide accurate contact information and notify the Company immediately in writing of any changes to your address or phone number.

4.4. Confidentiality

You may gain access to confidential business information. You agree not to use, disclose, or share this information without prior written consent from the Company.

5. Disclosure to Third Parties

Data sharing with third parties is essential to Company's business model, allowing Company to offer Credit Services at competitive prices or even at no cost. By leveraging user data, Company can better target its advertising, reduce marketing costs and provide more affordable services to you. This also allows Company to present more relevant offers for related products and services, potentially saving you money or giving access to valuable financial tools.

Company may forward your information to third party affiliates, vendors, contractors, and partners in accordance with its Privacy Policy and Terms of Use. Regardless of any selection of Cookie Settings on Company's website, you grant Company permission to share your information with third parties—either directly or through automatic data collection technologies—for purposes such as advertising optimization and legitimate business needs. If you do not wish this to occur, you may opt out by canceling your enrollment or subscription, as stated in Section 17.

6. Authorization to Access Credit Data

You hereby authorize Company, in accordance with the FCRA, to obtain your Credit Report and related information so that the Software Services can make that information available to you within the member portal. Company does not act as your legal agent and does not represent you in any matter; the Software Services facilitate your own actions.

7. Governing Law and Jurisdiction

This Agreement is governed by the laws of your state of residence, as applied to agreements made and performed entirely within that state.

8. Dispute Resolution

  1. Before starting formal dispute resolution, both Parties agree to try in good faith to resolve the issue through mediation.
  2. The initiating Party ("Claimant") must send a Demand to Mediate Letter via certified mail or personal delivery, specifying the dispute and desired resolution.
  3. The Respondent then has 30 days to respond in writing, agreeing to mediate or stating reasons for refusal.
  4. If mediation is agreed upon, both Parties must attempt to select a mutually acceptable mediator within 30 days. If they cannot agree, a mediator may be appointed by a mediation service.
  5. Each Party will participate in mediation sessions at a mutually convenient time and location and will pay their own costs.
  6. If mediation fails, either Party may initiate arbitration proceedings as the exclusive remedy for resolving the dispute.
  7. Binding Arbitration Clause : By accepting this Agreement, you agree that: All claims related to this Agreement (past, present, or future) will be settled via binding arbitration , not court. You waive rights to (a) trial by jury, (b) class actions, and (c) bringing action in a court of law. Arbitration will follow Consumer Arbitration Rules of the American Arbitration Association , be confidential, and result in a written decision including legal rationale. The decision will include reimbursement of legal fees to the prevailing party. The arbitrator's decision will be final, binding, and enforceable in court.
  8. Despite this, either Party may still seek injunctive or equitable relief from a court to prevent irreparable harm.
  9. Notwithstanding the foregoing, either Party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of the mediation or arbitration process. The mediation and arbitration provisions of this Agreement are a condition precedent to the institution of any injunctive or equitable relief action.
  10. The mediation provisions of this Agreement are a condition precedent to the institution of any legal action or proceeding arising out of or relating to this Agreement. If any party: (a) commences an action or arbitration without first attempting to resolve the matter through mediation, or (b) refuses to mediate after a request has been made, then that party shall not be entitled to recover attorney fees, even if they would otherwise be available to that party in any such action.
  11. This Section 8 shall survive termination or expiration of this Agreement.

Before starting formal dispute resolution, both Parties agree to try in good faith to resolve the issue through mediation.

The initiating Party ("Claimant") must send a Demand to Mediate Letter via certified mail or personal delivery, specifying the dispute and desired resolution.

The Respondent then has 30 days to respond in writing, agreeing to mediate or stating reasons for refusal.

If mediation is agreed upon, both Parties must attempt to select a mutually acceptable mediator within 30 days. If they cannot agree, a mediator may be appointed by a mediation service.

Each Party will participate in mediation sessions at a mutually convenient time and location and will pay their own costs.

If mediation fails, either Party may initiate arbitration proceedings as the exclusive remedy for resolving the dispute.

Binding Arbitration Clause : By accepting this Agreement, you agree that:

All claims related to this Agreement (past, present, or future) will be settled via binding arbitration , not court.

You waive rights to (a) trial by jury, (b) class actions, and (c) bringing action in a court of law.

Arbitration will follow Consumer Arbitration Rules of the American Arbitration Association , be confidential, and result in a written decision including legal rationale.

The decision will include reimbursement of legal fees to the prevailing party.

The arbitrator's decision will be final, binding, and enforceable in court.

Despite this, either Party may still seek injunctive or equitable relief from a court to prevent irreparable harm.

Notwithstanding the foregoing, either Party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of the mediation or arbitration process. The mediation and arbitration provisions of this Agreement are a condition precedent to the institution of any injunctive or equitable relief action.

The mediation provisions of this Agreement are a condition precedent to the institution of any legal action or proceeding arising out of or relating to this Agreement. If any party:

(a) commences an action or arbitration without first attempting to resolve the matter through mediation, or

(b) refuses to mediate after a request has been made,

then that party shall not be entitled to recover attorney fees, even if they would otherwise be available to that party in any such action.

This Section 8 shall survive termination or expiration of this Agreement.

9. No Legal, Financial, or Credit Repair Services Provided

Company does not provide legal advice, financial advice, or credit repair services. Company is a software platform; the Software Services are tools you operate yourself. Such services as legal advice are permitted only by licensed, practicing attorneys. Company accepts no liability or responsibility for any damage or loss caused by your use or misuse of the information or templates provided through the Software Services.

10. Retention of Contract

Unless a longer time period is prescribed by your state's applicable law, Company shall maintain on file, for a period of no less than two (2) years after the date this Agreement is accepted, an exact copy of this Agreement, including records of your receipt and acceptance thereof.

11. Notices

Any notices required or permitted by this Agreement shall be deemed given if sent by certified mail, postage prepaid, email, fax, return receipt requested, or by recognized overnight delivery service.

If to Company:

980 N Michigan Ave Ste 1090 PMB 702739, Chicago, Illinois 60611-4521

(or at such new address of which you may be notified), or if to you, at the address you provided.

12. Communications

You grant Company express consent and permission to contact you through the use of:

an automatic telephone dialing system,

automated or prerecorded messages,

SMS messages,

in-app notifications, or

email messages.

These communications may include:

information about Company's services,

other products or offers, and

news from Company or its licensees or selected commercial partners.

13. Release from Liability

You hereby expressly waive any claims, and will release, indemnify and hold Company, its affiliates and their respective agents, employees and/or assigns, harmless for any and all claims (including reasonable attorneys' fees) or causes of action which arise out of the performance of the services hereunder, and your sole legal right or claim for damages against Company, its affiliates or any of their respective agents, employees or contractors will be to arbitrate your claims pursuant to Section 8 of this agreement.

14. Severability

If any provision of this Agreement is held to be invalid, then the remaining provisions shall nevertheless remain in full force and effect.

15. Legal Expenses

Each party shall be responsible for his, her, or its own legal expenses, which includes attorneys' fees and costs. Notwithstanding the foregoing, for members in certain states under the prevailing law of such states, the court or arbitrator may have discretion to determine responsibility for costs.

16. Privacy Policy and General Terms of Use

Company may use your personal information to the extent necessary for Company to provide services hereunder and as allowed by Company's Privacy Policy and Terms of Use. By assenting to the terms of this Agreement, you also agree to be bound by the terms of Company's Privacy Policy and Terms of Use; however, the provisions in this Agreement shall control with respect to any conflicting provision(s) found between this Agreement and the Privacy Policy and Terms of Use.

17. Term and Cancellation

This Agreement has an initial term of one (1) month and continues from month to month unless you have subscribed to a subscription with lengthier terms. You are advised to review your situation at least each month and determine whether you wish to continue Company's services or cancel as of the renewal date of your subscription. You may suspend or cancel this Agreement at any time in a number of ways, including:

  1. sending Company a written request;
  2. contacting Company via email, chat, or telephone; or
  3. navigating to the subscription management section of Company's member portal.

sending Company a written request;

contacting Company via email, chat, or telephone; or

navigating to the subscription management section of Company's member portal.

Any fees that were charged prior to cancellation may not be refunded. Company reserves the right to cancel this Agreement at any time for any reason by providing notice to you, in which case services hereunder will terminate at the end of the subscription renewal date following the date of cancellation and no additional fees will be owed or collected. Once Company's services are canceled, you authorize Company to destroy your file in accordance with applicable law and Company's retention policy. You may request copies of your file for as long as is required by law.

18. Company Information

Company's principal place of business is located at 980 N Michigan Ave Ste 1090 PMB 702739, Chicago, Illinois 60611-4521.

19. Entire Agreement

This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the parties, or where applicable, upon your acceptance via Company's member portal.

20. Definitions

In addition to the terms defined elsewhere in this Agreement or in any Exhibit or Schedule herein, when used in this Agreement, the following terms shall have the following meanings (such meanings shall be equally applicable to the singular and plural forms of the terms used, as the context requires):

"Challenge" or "Challenging" shall include the drafting and sending of Dispute Letters to a Credit Bureau to dispute information which you identify as Inaccurate, Technically Accurate but Misleading, Incomplete, Outdated, or Unverifiable.

"Communications" means written or electronic communications to Credit Bureaus.

"Creditor" means a person, company, or entity to which you owe money and whose name appears in your Credit Report.

"Credit Bureaus" means, collectively or individually, Experian, Equifax, and TransUnion.

"Disputed Item" includes any item which you identify as Inaccurate, Technically Accurate but Misleading, Incomplete, Outdated, or Unverifiable on the date of the acceptance of this Agreement.

"Dispute Letters" are letter templates generated by the Software Services based on the information and selections you provide. You review, customize, and authorize delivery; the software facilitates the mechanics of delivery on your direction.

"Furnishers" means one or more credit report information furnishers (for example, creditors, debt collectors, and banks).

"Inaccurate" is that information which you identify as incorrect, untrue, or erroneous.

"Incomplete" is that information which you identify as not complete. This can mean information that is missing dates, amounts, or character of the debt.

"Identity Verification Documents" includes a government-issued ID, a utility bill, or any other identification required.

"Credit Monitoring" means the software feature by which the Software Services periodically request information from the Credit Bureaus related to your credit profile, including updated credit reports and scores, information regarding trade-line activity, inquiries, and any changes in your credit score, and make such information available to you via Company's member portal, which you can access 24 hours a day.

"Credit Report" is a report containing detailed information on a person's credit history, including identifying information, credit accounts and loans, bankruptcies and late payments, and recent inquiries.

"Dispute Correspondence" is correspondence sent to you by Company displaying the results of the Dispute Letters.

"Identity Verification Documents" includes a copy of your driver's license, utility bill, W-2, tax returns, ID card, US passport, proof of your residence, or social security card.

"Mail", "Mailing", "Send" "Sent" or "Sending" means the use of first-class U.S. Mail, Facsimile, Email, or other electronic transmittal to deliver Dispute Letters to one or more of the Credit Bureaus.

"Outdated" is that information which you identify as being obsolete and not subject to further inclusion in your credit report.

"Privacy Policy" is Company's privacy policy as it may change from time to time and posted here .

"Technically Accurate but Misleading" is that information which you identify as correct but which contains questionable information about the date, amount, or character of the debt.

"Third Party Offers" means offers for financial products and services from third-party providers.

"Terms of Use" are Company's general website terms and conditions as they may change from time to time and posted here .

"Unverifiable" is that information whose source or origin is not verifiable by the creditor.

Important Disclosures.

CreditBooster.ai is a software platform. Company is not a Credit Repair Organization as defined under the federal Credit Repair Organizations Act (CROA) or any analogous state statute. Company does not perform credit repair services, sell credit repair services, or guarantee any specific credit outcome. The Software Services provide tools, information, and templates; you operate the tools and decide what actions to take.

Under the Fair Credit Reporting Act (FCRA), you have the right to obtain a free copy of your consumer credit report annually from each of the three nationwide credit reporting agencies. You also have the right to dispute inaccurate information in any credit report directly with the credit reporting agency or the furnisher of the information. Non-profit credit counseling services are available, and may provide credit-related guidance at little or no charge. These rights exist independently of this Agreement and your use of the Software Services.

NOTICE TO MEMBER:

Do not accept this Agreement before you read it. You must be given a copy of this Agreement.

By acknowledging this Agreement, you, the Member, have read, understood, and agree to its conditions, agree to be truthful with Company, understanding that no promises have been made outside of this Agreement.

I have read and accept this Agreement.

Contact Information

CB.AI Inc 980 N Michigan Ave Ste 1090 PMB 702739 Chicago, Illinois 60611-4521 US Phone: (312) 564-4453 Support: support@creditbooster.ai