Terms of Service

GoodwillLetter provides document preparation, AI-assisted letter generation, printing, and mailing services. Based on information you provide, we help generate letters that you may review, approve, and authorize us to mail on your behalf.

CreditLens allows users to upload credit reports and related information so that AI tools can analyze, summarize, review, and answer questions about the uploaded materials.

The Service may include free features, one-time paid services, recurring subscriptions, AI-generated content, document preparation tools, account features, and third-party payment, printing, mailing, hosting, or analytics providers.

GoodwillLetter and CreditLens are not law firms, credit repair organizations, financial advisors, credit counselors, tax advisors, or consumer reporting agencies.

We do not provide legal, financial, tax, credit repair, or professional advice. Using the Service does not create an attorney-client, fiduciary, advisory, or other professional relationship.

We do not guarantee that any creditor, lender, collection agency, credit bureau, government agency, or other recipient will respond to a letter, remove information from a credit report, grant a request, improve your credit score, approve an application, or take any particular action.

The Service uses artificial intelligence to help generate letters, analyze uploaded credit reports, summarize information, and answer user questions.

AI-generated content may be inaccurate, incomplete, outdated, misleading, or inappropriate for your specific situation. AI may misunderstand your information, omit important details, misread uploaded documents, generate incorrect explanations, or produce letters or answers that contain mistakes.

You are solely responsible for reviewing and verifying all AI-generated content before using, relying on, sending, or submitting it.

We are not responsible for errors, omissions, inaccuracies, misunderstandings, or results caused by AI-generated content, including mistakes in letters, CreditLens analysis, summaries, recommendations, answers, or explanations.

You should not rely on the Service as your sole source of information for important legal, financial, credit, tax, lending, or personal decisions.

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Service.

By using the Service, you represent that you have the legal authority to submit the information you provide, upload any documents, and authorize us and our service providers to process, prepare, print, mail, analyze, or transmit information as necessary to provide the Service.

You are responsible for all information, documents, credit reports, prompts, instructions, letters, and other content you submit through the Service.

You agree that all information you provide will be accurate, lawful, and submitted with proper authorization.

Before placing an order for any letter, you must carefully review the generated document and confirm that, to the best of your knowledge, the information it contains is accurate, complete, and appropriate to send.

You authorize GoodwillLetter and its service providers to reproduce, process, print, transmit, and mail your approved document solely as necessary to fulfill your order.

You are responsible for any decisions you make based on letters, CreditLens analysis, AI-generated responses, or any other Service output.

CreditLens may allow you to upload credit reports or related financial documents for AI analysis.

By uploading a document, you represent that you are authorized to upload and use that document and that doing so does not violate any law, agreement, privacy right, or third-party right.

CreditLens is provided for informational and educational purposes only. It may help identify, summarize, or explain information contained in a credit report, but it does not guarantee accuracy, completeness, credit improvement, dispute success, account removal, approval for credit, or any specific outcome.

You should independently verify any important information before relying on it or taking action.

You may be required to create an account to use certain features.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

You agree to notify us promptly if you believe your account has been accessed without authorization.

We are not responsible for losses resulting from your failure to safeguard your account credentials.

The Service may offer one-time purchases, recurring subscriptions, usage-based fees, or other paid options.

Prices, features, billing intervals, and included services will be shown at checkout or within the Service.

By purchasing a paid service or subscription, you authorize us and our payment processor to charge your selected payment method for applicable fees, taxes, and recurring charges.

Recurring subscriptions automatically renew unless canceled before the renewal date. You are responsible for canceling your subscription before renewal if you do not want to be charged again.

We may change prices, subscription features, billing terms, or included services from time to time. For recurring subscriptions, price changes will take effect as disclosed by us and where required by applicable law. Continued use of the Service after a price change takes effect constitutes acceptance of the new price.

Payments are processed by Stripe or another third-party payment processor. We do not receive or store your full payment card number.

All payments are final and non-refundable except as expressly stated in these Terms or required by applicable law.

We do not provide refunds because a letter did not produce the desired result, because a recipient did not respond, because your credit score did not improve, because you disagree with AI-generated content, because you failed to cancel a subscription before renewal, or because you no longer wish to use the Service.

We may issue a refund, credit, or other remedy if we determine, in our sole discretion, that we caused a material disruption or failure in the Service that prevented you from receiving the paid service.

Once you approve a letter and payment is processed, we may transmit the letter to a printing and mailing partner for fulfillment.

Once a letter has entered the USPS mail stream or another carrier's mail stream, it cannot be recalled, modified, or canceled.

Delivery dates, status updates, and mailing estimates are not guaranteed.

We are not responsible for delays, lost mail, delivery failures, address errors, forwarding issues, recipient decisions, or other problems caused by USPS, third-party carriers, printing partners, incorrect user information, or circumstances outside our reasonable control.

You agree not to use the Service to create, upload, send, mail, or transmit content that is unlawful, fraudulent, deceptive, defamatory, threatening, abusive, harassing, obscene, invasive of privacy, infringing, or otherwise harmful.

You also agree not to:

• Impersonate another person;
• Upload documents you are not authorized to use;
• Submit false, misleading, or fraudulent information;
• Use the Service to harass, threaten, deceive, or defraud others;
• Attempt to reverse engineer, scrape, overload, disrupt, or interfere with the Service;
• Use automated systems to access the Service without authorization;
• Circumvent billing, usage limits, or security measures;
• Use the Service in violation of applicable law.

We may refuse, suspend, cancel, or terminate access to the Service if we believe these Terms have been violated.

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, store, and share information.

Because the Service may involve sensitive personal and financial information, you should review the Privacy Policy carefully before uploading credit reports or using CreditLens.

To support, improve, and market the Service, GoodwillLetter may share certain information with third-party advertising, analytics, marketing, and business partners.

This information may include identifiers, device information, browser information, approximate location, usage data, interactions with the Service, purchase history, and other information described in our Privacy Policy. These partners may use cookies, pixels, SDKs, and similar technologies to help measure advertising effectiveness, personalize advertisements, perform analytics, prevent fraud, and improve their services.

We do not sell the contents of your uploaded credit reports, AI conversations, or generated letters to advertisers for advertising purposes. However, we may share information with trusted service providers and advertising partners as described in our Privacy Policy and as permitted by applicable law.

By using the Service, you acknowledge and consent to the collection, use, and sharing of your information with third-party advertising and marketing partners in accordance with our Privacy Policy and applicable law.

Depending on your location, you may have rights to opt out of certain advertising, tracking, or data-sharing practices. Where required by applicable law, we will honor those rights and provide available mechanisms for exercising them.

Draft letters may be retained while you are working on them and may be deleted after mailing or after a period of inactivity.

Uploaded credit reports, CreditLens conversations, account information, billing records, and related data may be retained as described in our Privacy Policy, unless deletion is required by law or requested through available privacy rights.

We may retain certain records as necessary for legal, tax, security, fraud prevention, dispute resolution, business operations, or compliance purposes.

The Service, including our website, software, design, branding, logos, text, graphics, tools, workflows, and other materials, is owned by GoodwillLetter or its licensors and is protected by intellectual property laws.

These Terms do not grant you ownership of the Service or any intellectual property rights in the Service.

You retain ownership of the content and documents you submit, subject to the rights you grant us to operate and provide the Service.

By submitting content, you grant us and our service providers a limited license to host, process, reproduce, analyze, transmit, print, mail, and display that content solely as necessary to provide, secure, maintain, and improve the Service, comply with law, and enforce these Terms.

We strive to provide a reliable Service, but we do not guarantee that the Service will always be available, uninterrupted, secure, accurate, or error-free.

We may modify, suspend, discontinue, limit, or remove any part of the Service at any time.

We are not liable for service outages, downtime, interruptions, data loss, AI errors, feature changes, or discontinued features.

The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory.

To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, reliability, and usefulness.

We do not warrant that the Service, AI-generated content, letters, CreditLens analysis, uploaded document review, mailing services, or third-party services will be accurate, complete, uninterrupted, secure, error-free, or meet your expectations.

To the fullest extent permitted by law, GoodwillLetter, CreditLens, and their owners, officers, employees, contractors, affiliates, vendors, service providers, and partners will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages arising out of or related to the Service.

This includes damages related to AI mistakes, inaccurate letters, incorrect CreditLens analysis, credit score changes, denial of credit, recipient decisions, mailing delays, lost mail, account access issues, uploaded documents, third-party services, service interruptions, or reliance on Service outputs.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Service will not exceed the amount you paid to us for the specific order or subscription period giving rise to the claim.

You agree to defend, indemnify, and hold harmless GoodwillLetter, CreditLens, and their owners, employees, contractors, affiliates, vendors, service providers, and partners from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from or relating to:

• Your use or misuse of the Service;
• Your submitted information, documents, letters, prompts, or instructions;
• Your violation of these Terms;
• Your violation of any law or third-party right;
• Your reliance on or use of AI-generated content;
• Any letter or communication sent at your request.

We may suspend, restrict, or terminate your access to the Service at any time if we believe you violated these Terms, created risk for us or others, failed to pay required fees, misused the Service, or used the Service unlawfully.

You may stop using the Service at any time. Canceling your account or subscription does not automatically entitle you to a refund.

Sections intended to survive termination, including payment obligations, disclaimers, limitations of liability, indemnification, intellectual property, and dispute provisions, will survive.

The Service may rely on third-party providers, including payment processors, AI model providers, hosting providers, analytics providers, printing partners, mailing partners, and USPS or other carriers.

We are not responsible for third-party services, outages, errors, delays, data handling, terms, or actions, except where required by law.

Your use of third-party services may also be subject to their own terms and policies.

We are not responsible for delays, failures, losses, or interruptions caused by events beyond our reasonable control, including natural disasters, internet outages, cyberattacks, labor disputes, governmental actions, legal restrictions, power failures, postal disruptions, carrier delays, payment processor issues, or third-party service failures.

We may update these Terms from time to time.

When we make material changes, we will update the Effective Date or provide notice where required by law.

Your continued use of the Service after updated Terms become effective means you accept the revised Terms.

These Terms are governed by applicable laws of the United States and, where state law applies, the laws of the state in which GoodwillLetter is headquartered or principally operates, without regard to conflict of law principles.

If a court or other authority determines that any part of these Terms is invalid or unenforceable, the remaining provisions will remain in effect.

Questions about these Terms may be sent to: support@aiproductionshop.com.