Terms of Service and Privacy Policy

Part I — Terms of Service

1. Agreement to these Terms; eligibility

These Terms of Service ("Terms") are a binding agreement between you and the Company. By clicking to purchase, uploading any document, or otherwise using QualifyReady (the "Service"), you accept these Terms and the Privacy Policy in Part II. If you do not agree, do not use the Service. You must be at least 18 years old, a resident of the United States, and the person named on the reports you upload (or legally authorized to act for that person). You may not use the Service for any other person without their written authorization.

2. What the Service is not — no credit repair, legal, or financial services

We are not a credit repair organization, credit services organization, law firm, debt-settlement company, or financial adviser. We do not contact any consumer reporting agency, furnisher, collector, or creditor on your behalf. We do not send, sign, mail, file, or submit anything for you. We do not represent that we can remove accurate information from any report, improve any score, or obtain any credit, loan, or approval for you. You are the sole actor. Every decision to send, file, dispute, pay, or apply is yours alone.

3. Delivery on payment — no advance fees for future services

The full price is charged at checkout and the complete Deliverables are made available to you at the time of purchase or within the delivery window stated on the order page. Nothing is held back for later performance. No portion of your payment is a fee for services to be performed in the future. If you purchase optional ongoing support, that support is a separately described, separately priced, cancellable add-on and is itself delivered continuously from the moment it begins.

4. What the Service is

QualifyReady is an educational analysis and document-preparation tool. When you purchase, you upload copies of your own consumer credit reports; the Service analyzes the information you supply and delivers to you (a) a written analysis of the items on those reports, (b) an execution plan describing steps you may choose to take, (c) template correspondence you may choose to review, sign, and send to consumer reporting agencies, furnishers, or collectors, and (d) a tracking workbook. Together these are the "Deliverables."

5. Your information; we work only from what you provide

The Deliverables are generated exclusively from the reports, documents and information you upload. We do not obtain, pull, verify or supplement your reports from any other source. If a report you provide is incomplete, out of date, altered, or belongs to someone else, the Deliverables will reflect that. You are responsible for the accuracy, completeness and currency of everything you upload and for keeping any credentials, links and delivered files secure.

5A. Your duty to verify before you send

You are solely responsible for reviewing every Deliverable and verifying every name, address, account number, date, balance, statement of fact and statutory citation against your own records before you sign, send, file or rely on it. A dispute or other correspondence that contains inaccurate information may be rejected, may delay resolution, or may expose you to consequences under the Fair Credit Reporting Act or other law. We are not responsible for any inaccuracy you fail to correct before sending, or for any consequence of sending a document you did not verify.

6. No guarantee of outcome

We make no representation, warranty, or guarantee of any kind regarding: any change in any credit score under any scoring model; deletion, correction, or update of any item on any consumer report; the response, timing, or conduct of any consumer reporting agency, furnisher, collector, regulator, or court; approval for any credit, loan, lease, insurance, employment, or housing; or any other financial outcome. Credit reporting outcomes depend on facts, third parties, statutes, and your own execution, none of which we control. Past results described anywhere are not a promise of future results.

7. Artificial-intelligence disclosure

The Deliverables are generated in whole or in part by artificial-intelligence systems (including large language models provided by third parties) operating on the information you supply. AI output can be incomplete, outdated, or wrong. Statutory citations, dates, addresses, phone numbers, and dollar figures may contain errors. You must review every Deliverable, independently verify every citation and fact, and exercise your own judgment before acting. Nothing in the Deliverables is a statement of law or a legal opinion.

8. Refund policy

Because the Deliverables are digital, are custom-generated from your inputs, and are delivered promptly on purchase, all sales are final once the Deliverables have been made available to you. You upload your reports and are shown a preview of the items detected on them before you purchase, at no charge; you decide whether to buy with that preview in front of you. Because purchase follows the preview and starts generation immediately, the sale is final at purchase. If a technical failure on our side prevents delivery within the stated window, contact us and we will either deliver or refund in full. If you believe a Deliverable was materially defective (for example, generated from the wrong uploaded report), contact us within 7 days of delivery and we will regenerate it at no charge. No refund is owed for dissatisfaction with credit-reporting outcomes, third-party responses, or your own results, because those are expressly excluded from what the Service provides.

9. Not legal advice — consult counsel

The Deliverables reference federal and state statutes (for example the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and state consumer-protection laws) for educational purposes only. Whether any statute applies to your situation, how it applies, and what remedies may be available are legal questions we do not answer. If you are considering litigation, a regulatory complaint, or a dispute with legal consequences, consult a licensed attorney in your state before acting.

10. Permitted use

You may use the Deliverables for your own personal, non-commercial credit-education purposes. You may not: resell, sublicense, or redistribute the Deliverables; use them to provide credit-repair or similar services to others; remove any notice from them; or use the Service to submit information that is false, that belongs to another person without authorization, or that is intended to deceive any consumer reporting agency, furnisher, or creditor.

11. Prohibited use — accurate information

You agree not to use the Deliverables to dispute information you know to be accurate, to assert identity theft that did not occur, to file a false police report or affidavit, or to make any false statement to any consumer reporting agency, furnisher, collector, regulator, or court. Doing so may violate federal and state law and is a material breach of these Terms.

12. Fees, payment, and taxes

Prices are stated on the order page in U.S. dollars and are charged at checkout through our third-party payment processor. You authorize the charge. You are responsible for any applicable taxes. Prices may change at any time; changes do not affect completed purchases.

13. As-is and with all faults

THE SERVICE AND THE DELIVERABLES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. YOU ASSUME THE ENTIRE RISK OF USING THE SERVICE AND THE DELIVERABLES. Some states do not allow the exclusion of implied warranties; in those states the exclusion applies to the fullest extent permitted.

14. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, CREDIT, OPPORTUNITY, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THE DELIVERABLES, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

15. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its members, managers, employees, and contractors from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of your use of the Service or the Deliverables, your breach of these Terms, your violation of any law, or any statement you make to any third party using or based on the Deliverables.

16. Intellectual property

The Service, its software, templates, structure, and content are owned by the Company or its licensors and are protected by copyright and other laws. You receive a limited, personal, non-transferable license to use the Deliverables generated for you. You retain ownership of the information you upload; you grant us a limited license to process it solely to provide the Service (see Part II).

17. Third-party services

The Service relies on third-party providers for payment processing, hosting, email delivery, and AI processing. Their terms and privacy policies govern their handling of your data. We are not responsible for their acts or omissions.

18. Termination

We may suspend or terminate your access if you breach these Terms or use the Service unlawfully. Sections 6 through 17 and 19 through 24 survive termination.

19. Governing law and venue

These Terms are governed by the laws of the State of Florida without regard to conflict-of-laws principles. Subject to Section 20, any action not subject to arbitration shall be brought exclusively in the state or federal courts located in Polk County, Florida, and you consent to their jurisdiction.

20. Dispute resolution and arbitration

Before filing any claim, you agree to notify us in writing at support@qualifyready.com and attempt in good faith to resolve it for 30 days. Any dispute not resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in Polk County, Florida, or by telephone/video at your election. YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION. Either party may instead bring an individual claim in small-claims court. You may opt out of this arbitration provision by emailing support@qualifyready.com within 30 days of first purchase.

21. Changes to the Service or these Terms

We may modify the Service or these Terms at any time by posting a revised version with a new "Last updated" date. Continued use after posting is acceptance. Completed purchases are governed by the Terms in effect at the time of purchase.

22. Electronic communications and E-SIGN consent

You consent to receive all notices, Deliverables, and communications electronically. Your click to purchase constitutes your electronic signature and acceptance of these Terms.

23. Entire agreement; severability; no waiver; assignment

These Terms and the Privacy Policy are the entire agreement between you and the Company regarding the Service. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor.

24. Contact

My Castle Tek LLC, [Mailing Address — insert at launch], support@qualifyready.com. We respond within two business days.

Part II — Privacy Policy

P1. Scope

This Privacy Policy explains how QualifyReady collects, uses, stores, shares, and deletes personal information when you use the Service. It is incorporated into the Terms of Service.

P2. What we collect

(a) Account and order information: name, email, billing details as processed by our payment provider (we do not store full card numbers). (b) Uploaded reports: the consumer credit reports and related documents you choose to upload, which may contain your name, address history, date of birth, partial Social Security number, account numbers, balances, payment history, inquiries, and collection data. (c) Technical data: IP address, browser type, device identifiers, and usage logs. (d) Communications: messages you send to support.

P3. How we use it

To generate your Deliverables; to deliver them to you; to provide support; to process payment; to secure and improve the Service; to comply with law; and to enforce our Terms. We do not use your uploaded reports for advertising, profiling for third parties, or any purpose unrelated to producing your Deliverables.

P4. AI processing and third-party providers

Your uploaded reports are transmitted to third-party artificial-intelligence providers (currently Anthropic, PBC, through its API) to generate the Deliverables. Those providers process the data under their own terms and privacy commitments; as of the last update, the API provider states it does not train its models on API inputs. Payment is processed by Stripe; hosting, form handling and file storage by Netlify; transactional email by Resend. Each provider receives only what is necessary for its function.

P5. No sale or sharing for advertising

We do not sell your personal information. We do not share it with data brokers, advertisers, or affiliates for their marketing. We disclose it only to the service providers in P4, to comply with a subpoena or legal process, to protect our rights, or with your direction.

P6. Retention and automatic deletion

Uploaded reports and generated Deliverables are stored in encrypted storage for the retention window stated on the order page (default: 72 hours after delivery; optional extended retention if purchased). At the end of the window they are automatically and permanently deleted from our storage. Order records required for accounting and dispute resolution (name, email, amount, date) are retained for seven years. Support correspondence is retained for two years.

P7. Security

We use transport-layer encryption, encryption at rest, access controls, and time-limited download links. No method of transmission or storage is completely secure; you upload at your own risk and should keep your own copies of anything important.

P8. Your choices and rights

You may request a copy of the personal information we hold about you, request correction, or request deletion before the automatic-deletion window by emailing support@qualifyready.com. Where state law grants additional rights (for example, California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, Florida's Digital Bill of Rights, or others), we honor them as required. We do not discriminate against you for exercising a privacy right.

P9. Children

The Service is not directed to anyone under 18 and we do not knowingly collect information from minors. If you believe a minor has provided information, contact us and we will delete it.

P10. Cookies and analytics

We use only strictly necessary cookies for checkout and download authentication, and privacy-respecting aggregate analytics without cross-site tracking. We do not use third-party advertising cookies.

P11. Do Not Track and Global Privacy Control

Because we do not track you across sites or sell data, browser Do-Not-Track and Global Privacy Control signals do not change how we operate; we treat them as a request not to sell or share, which we already honor.

P12. Data location

Our providers process and store data in the United States. If you access the Service from outside the United States, you consent to transfer of your data to the United States.

P13. Changes and contact

We may update this Privacy Policy by posting a revised version with a new date. Material changes will be announced on the order page. Questions or requests: My Castle Tek LLC, [Mailing Address — insert at launch], support@qualifyready.com.