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We’ve made updates to our Terms, Privacy Policy, and Software License. These updated agreements become effective on June 8, 2026.
Your current plan, pricing, and subscription remain unchanged because of this update. These updates primarily relate to platform policies, account access, software usage, privacy practices, and service terms.
If you are on a grandfathered plan, your current pricing remains unchanged unless your account is canceled, deleted, upgraded, or otherwise becomes subject to current pricing.
All users will be asked to review and accept the updated agreements upon login after this date.
If you have questions about these updates, contact our support team at:
By creating an account, logging in, accessing the Service, subscribing to any plan, or continuing to use the Service after these Updated Terms become effective, you agree to be bound by these Terms & Conditions.
These Terms apply to all users of the Service, including:
If you do not agree to these Terms, do not use the Service.
The Service offers multiple subscription options. These may include monthly plans, annual plans, grandfathered plans, and one-time payment plans such as a Platinum or lifetime plan.
Features, limits, bonuses, access levels, employee counts, customer counts, add-ons, and related benefits may vary by plan.
All plan details shown on the pricing page, billing page, inside the software, or otherwise presented at the time of sign-up or renewal are part of your selected plan.
Access to specific features depends on:
We may change plan names, pricing, features, limits, bonuses, and add-ons from time to time for new or renewing users.
If you are on a grandfathered plan, your current pricing and plan structure remain the same unless one of the following happens:
If that happens, you may be required to rejoin under the then-current pricing, plan rules, restrictions, and add-on structure.
These Updated Terms still apply to grandfathered users even if their pricing is different from current pricing.
Monthly plans are billed in advance on a recurring monthly basis.
By subscribing to a monthly plan, you authorize MC Credit Solutions LLC to charge your payment method for:
You agree to keep your billing information accurate and current.
Your monthly subscription automatically renews each month unless you cancel before your next billing date.
Your subscription will automatically renew every month at the then-current price until you cancel. You may cancel at any time before the next billing date to avoid future charges.
Monthly plans include only the features, limits, bonuses, and services shown for your selected plan.
If a specific monthly plan includes additional items, such as a pre-built website, training, or bundled content, those items are governed by the rules, limits, requirements, and delivery process stated on the relevant setup pages, pricing pages, or service pages connected to that plan.
Unless explicitly stated, monthly plans do not include bonuses, bundles, or services outside the selected plan.
Annual plans are billed in advance for a 12-month term.
By activating an annual plan, you authorize MC Credit Solutions LLC to charge your payment method each year unless you cancel auto-renewal before your renewal date.
Annual plans automatically renew each year unless canceled before renewal.
Renewal reminders may be sent before the renewal date.
Annual plan features, employee limits, customer limits, bonuses, and add-ons are based on the selected annual plan tier shown on the pricing page or billing page.
If additional employees, customers, or related capacity are needed, required add-ons may need to be purchased at the then-current price.
Unless we choose otherwise, annual plans may not be upgraded or downgraded during the active yearly term. Changes may only be available at renewal or at another time we allow.
Some users may have purchased a one-time payment plan, sometimes referred to as a Platinum plan or lifetime plan.
For those users:
Lifetime or Platinum access remains subject to these Terms and all other policies.
Lifetime or Platinum access does not mean:
Lifetime access refers to access for the life of the product, not the lifetime of the user.
Data for Platinum or lifetime users may still be removed if:
You authorize MC Credit Solutions LLC to charge the payment method on file for all approved fees connected to your account, including:
Charges may appear under the company name or a related billing descriptor used by MC Credit Solutions LLC.
If payment fails for a monthly or annual plan:
Some features may be unavailable while the account is suspended or inactive.
We may attempt to retry failed payments for a limited period of time.
Because system handling may change over time, timing, frequency, and duration of retry attempts may vary.
If a monthly or annual account remains unpaid, the account may be canceled after a period of non-payment.
For monthly and annual accounts, data may be permanently deleted after a period of non-payment, such as 90 days.
Deleted data cannot be restored.
If a deleted user later returns, that user may be required to rejoin under then-current pricing, then-current plans, and then-current restrictions.
The payment-related deletion rules in this Section do not apply to Platinum or lifetime accounts, except where termination occurs because of violations, system-wide product changes, or product discontinuation.
Cancellation must be completed inside the software.
To cancel, you must log in and follow the cancellation steps available in the billing or subscription area of your account.
For security reasons, cancellations must be completed inside your account.
Cancellations by mail, phone, fax, email, text, chat, or support ticket are not accepted.
Unless otherwise required by law or expressly approved by us in writing, subscription payments are non-refundable.
This includes, without limitation:
Refunds, if any, are at our sole discretion.
You own the data you upload or enter into the system.
MC Credit Solutions LLC stores and processes that data on your behalf as part of operating the Service.
We do not control how you use your client data, and we are not responsible for the legality, accuracy, or compliance of the data you enter.
Access to your data depends on account status.
If your account is suspended, canceled, or inactive:
You are responsible for exporting and backing up your data while your account is active.
We are not responsible for losses caused by your failure to export, download, back up, or preserve your own records while your account is active.
Your account is for use by your business only.
You may allow individuals to access your account to help operate your business, including:
Access must be used only to support your business operations.
To help define proper use:
You may not:
Access is provided for your business operations only, not as a product you can sell, bundle, or include in any paid offer.
Violations may result in:
You are responsible for:
We are not responsible for unauthorized activity, misuse, or data loss caused by:
You agree to comply with all applicable laws, rules, and regulations connected to your use of the Service, including, where applicable:
You are solely responsible for making sure your own business practices, sales methods, client communications, marketing, disclosures, contracts, pricing, and services comply with the law.
The software, letters, workflows, templates, training, content, tools, automations, and other materials provided through the Service do not constitute legal advice.
You are solely responsible for your own business decisions and legal compliance.
The Service does not guarantee:
Results depend on many factors outside our control, including consumer credit data, furnisher responses, bureau actions, user decisions, and legal compliance by the user.
We make no representation or warranty that the Service:
The Service is provided on an “as is” and “as available” basis to the fullest extent permitted by law.
We may integrate with, connect to, or rely on third-party systems and services, including but not limited to:
We are not responsible for outages, failures, interruptions, delays, limitations, data issues, or changes caused by third-party providers.
Your use of third-party services is at your own risk.
The Service may be unavailable from time to time because of:
We do not guarantee uninterrupted or error-free operation of the Service.
We may update, modify, rework, suspend, or remove features, tools, workflows, layouts, automations, templates, services, or related functions at any time for reasons including:
We are not required to keep any feature, workflow, page, or function available forever.
By creating an account, subscribing, logging in, or using the Service, you consent to receive account-related communications from us, including:
You may opt out of SMS by replying STOP where that option is available, but important account, billing, and service communications may still be sent by other lawful methods.
Before filing arbitration or formal legal action against MC Credit Solutions LLC, you agree to:
This may include communication by email, phone, or Zoom.
You must allow up to 10 business days for review.
Failure to complete this pre-resolution process before formal action is a violation of these Terms.
Any dispute, claim, or controversy arising out of or relating to these Terms, your account, the Service, or your relationship with MC Credit Solutions LLC shall be resolved exclusively by binding arbitration in the State of Florida, under the Commercial Arbitration Rules of the American Arbitration Association, unless applicable law requires otherwise.
This arbitration agreement includes:
The arbitrator’s decision will be final and binding.
Either party may seek temporary injunctive relief in a court of competent jurisdiction in Florida to protect confidential information, platform security, or intellectual property.
Arbitration survives account suspension, cancellation, termination, or deletion.
To the fullest extent permitted by law:
We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of revenue, loss of business, loss of data, business interruption, or similar damages.
You agree to defend, indemnify, and hold harmless MC Credit Solutions LLC, its owners, officers, employees, contractors, affiliates, and related parties from and against any claims, demands, actions, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
We are not responsible for delays, failures, outages, interruptions, or inability to perform caused by events outside our reasonable control, including:
Nothing in these Terms creates a partnership, joint venture, agency relationship, fiduciary relationship, or employment relationship between you and MC Credit Solutions LLC.
You may not assign, transfer, sell, or delegate your rights or obligations under these Terms without our prior written consent.
We may assign or transfer our rights and obligations in connection with a merger, sale, acquisition, reorganization, or transfer of business assets.
These Terms & Conditions, together with the Software License Agreement, Privacy Policy, pricing disclosures, billing disclosures, and any clearly referenced service-specific pages or setup pages, form the full agreement between you and MC Credit Solutions LLC regarding the Service.
They replace prior understandings relating to the same subject matter.
If there is a conflict between documents, the order of control is:
These Terms are governed by the laws of the State of Florida, without regard to conflict of law rules, except where federal law controls.
If any part of these Terms is found unenforceable, the remaining sections will remain in full force and effect to the extent permitted by law.
If we do not enforce a provision of these Terms at one time, that does not mean we waive the right to enforce it later.
We may update these Terms from time to time.
Material changes may be communicated through email, in-app notice, login pop-up, or other reasonable methods.
Continued use of the Service after updated Terms become effective means you accept the updated Terms.
This Privacy Policy explains how MC Credit Solutions LLC (“we,” “us,” or “our”) collects, uses, stores, and protects information when you use the Client Dispute Manager Software (the “Service”).
By creating an account, accessing the Service, or using the platform, you agree to this Privacy Policy.
We may collect the following types of information:
(Payment processing is handled by third-party payment processors. We do not store full credit card numbers.)
You may enter or upload data related to your customers or clients, including:
This data is controlled by you and processed by us to provide the Service.
We may collect system usage data such as:
We may collect records of communications including:
We use collected information to:
We do not sell your personal data.
You are responsible for:
We act as a service provider (data processor) for the data you enter into the platform.
We do not control how you use your client data.
We do not sell your data.
We may share information with trusted third parties only as necessary to operate the Service, including:
These providers only receive the data necessary to perform their function.
The Service may integrate with third-party services.
We are not responsible for:
Your use of third-party services is at your own risk.
We retain data as follows:
Data is retained while your account is active.
Data may be retained for a limited period.
Data may be permanently deleted after a period of non-payment (such as 90 days).
Data is not deleted due to non-payment.
Data may still be removed if:
Once data is deleted, it cannot be recovered.
We use reasonable technical and administrative safeguards to protect data.
These may include:
However, no system is 100% secure.
You are responsible for:
We are not responsible for data loss caused by:
By using the Service, you agree to receive:
SMS messages may be sent where applicable. You may opt out of SMS by replying STOP.
We may use cookies and similar technologies to:
You can control cookies through your browser settings.
While your account is active, you may:
Some actions may require an active account.
We may disclose information if required to:
We do not guarantee:
Data availability depends on account status and system operations.
If you access the Service from outside the United States, you agree that your data may be processed in the United States.
The Service is not intended for individuals under 18.
We do not knowingly collect data from minors.
We may update this Privacy Policy from time to time.
We may notify users through:
Continued use of the Service means you accept the updated policy.
MC Credit Solutions LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Client Dispute Manager Software (the “Software”) for your internal business operations.
This license is:
You do not own the Software.
The Software, including but not limited to:
is owned exclusively by MC Credit Solutions LLC.
You are granted a right to use the Software, not ownership.
You may use the Software only:
You may allow access to individuals supporting your business, including:
To clarify usage:
Affiliate or referral access may not include:
You may NOT:
You are responsible for:
Any misuse by users under your account is your responsibility.
This license:
We may limit, suspend, or revoke access at any time if:
Access to the Software depends on:
If your account becomes:
your access may be restricted or removed.
If you purchased a Platinum or lifetime plan:
However, your license still:
Lifetime access applies to the life of the product, not the lifetime of the user.
The Software does not provide:
All decisions made using the Software are your responsibility.
We do not guarantee:
The Software is a tool. You are responsible for how it is used.
We may:
any part of the Software at any time.
This includes:
We are not required to maintain any feature permanently.
The Software may be unavailable due to:
We do not guarantee uninterrupted access.
The Software may rely on third-party services.
We are not responsible for:
caused by third-party providers.
You are responsible for:
We are not responsible for lost or unrecoverable data.
You are responsible for:
We are not responsible for misuse caused by:
We may suspend or terminate your license if:
Upon termination:
You agree to defend and hold harmless MC Credit Solutions LLC from any claims related to:
To the fullest extent permitted by law:
You may not:
your license to another party.
This agreement does not create:
This agreement is governed by the laws of the State of Florida.
This Software License Agreement works together with:
and forms part of the full agreement.
We may update this agreement.
Continued use means acceptance of updates.
