What this service is
LaunchDispute is software that helps credit-repair businesses and their clients prepare, review, send, and track credit-report disputes. It automates document handling, analysis, letter drafting, mailing, and record-keeping.
LaunchDispute is not a law firm, is not a credit repair organization acting on your behalf, and does not provide legal advice. Nothing produced by this platform is a legal opinion. You remain responsible for the accuracy of every dispute you send and for your own compliance with the Credit Repair Organizations Act, the Fair Credit Reporting Act, the Telemarketing Sales Rule, and the law of every state in which you operate.
We make no representation about the outcome of any dispute. Results depend on the accuracy of the information disputed and on decisions made by credit bureaus and furnishers, none of which we control.
Who may use it
You must be at least 18 years old and authorized to act for the business you register. You are responsible for everything done under your account, including by your staff and by anyone you invite.
The platform enforces certain compliance rules that cannot be turned off. These are product constraints, not preferences:
- Consumers are never charged before the service is performed. Charges require completed work as evidence.
- Required disclosures and a written contract must be signed, and the statutory cancellation period must elapse, before work begins on any consumer.
- A human must approve every dispute letter before it is mailed. Nothing sends automatically.
- Clients in states where we do not operate cannot be enrolled.
- Accounts flagged for telemarketing-originated enrollment cannot bill until that flag is cleared.
Your responsibilities for consumer data
You may upload a consumer credit report only where the consumer has authorized you to obtain and use it. You may not use this platform to automate access to annualcreditreport.com or to log into any credit-monitoring service using a consumer’s credentials. Imports must come from a sanctioned partner API or from a document the consumer or you provide directly.
You are the party with the direct relationship with each consumer. You are responsible for obtaining their consent, honoring their requests, and for the truthfulness of what you dispute on their behalf.
Fees and billing
Business subscriptions are billed in advance on a recurring basis. Usage-based charges, including per-client and per-mailed-letter amounts, are billed in arrears for the period in which they were incurred. Current pricing is shown in your billing settings before you subscribe.
Physical mail is billed at cost plus a stated per-piece amount. Postage and carrier fees are passed through.
Charges are made through Stripe or PayPal. You can view invoices, update your payment method, and cancel from your billing settings without contacting us.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Cancellation and refunds
You may cancel your subscription at any time from billing settings. Cancellation takes effect at the end of the current billing period; you keep access until then, and you are not charged again.
Subscription fees already paid for the current period are not refunded on cancellation. Usage already incurred, including letters already mailed, remains payable.
If a charge is made in error, contact us and we will correct it.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Your data and what happens when you leave
The consumer records and documents you put into the platform remain yours. You can export your client list and usage records at any time from the application.
After your account closes, your data is retained for the period described in the Privacy Policy and is then permanently destroyed. Because consumer personal information is encrypted with per-workspace keys, destruction is performed by discarding the key, which renders the data unrecoverable.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Acceptable use
You may not use the platform to:
- Dispute information you know to be accurate.
- Impersonate a consumer or send correspondence without their authorization.
- Access, scrape, or automate a third-party account using credentials that are not yours.
- Resell platform access outside the white-label arrangement described in your plan.
- Attempt to bypass the compliance controls listed above, or to test the security of the service without written permission.
Suspension and termination
We may suspend or close an account that violates these terms, that we reasonably believe is being used unlawfully, or whose payment is materially past due after notice. Where circumstances allow, we will give notice and an opportunity to correct the problem first.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Service availability
The service is provided as-is. We do not commit to a specific uptime figure at this stage, and we do not guarantee that mail will be delivered or that any third party will respond within a given time.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Limitation of liability
Commercial intent: our aggregate liability is intended to be capped at the fees you paid in the twelve months before the claim, with indirect and consequential damages excluded, subject to any liability that cannot be limited by law.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Governing law and disputes
Commercial intent: these terms are to be governed by the law of the state in which the company is organized, with disputes resolved in that jurisdiction.
Needs counsel: This section states commercial intent only and has not been reviewed by counsel. It is not final contract language.
Changes to these terms
We will post any change here with a new effective date, and will notify account owners by email before a material change takes effect. Continuing to use the service after that date means you accept the revised terms. This revision is dated July 20, 2026.
Contact
Questions about these terms: support@launchdispute.com.