Terms of Service

1. Agreement to Terms

By accessing or using the services provided by Flow Credit Solutions ("Company," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our services.

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Flow Credit Solutions regarding our credit repair services.

2. Description of Services

Flow Credit Solutions provides credit repair services that include, but are not limited to:

• Analysis of your credit reports from Equifax, Experian, and TransUnion using our 47-point Metro2 inaccuracy scan
• Preparation and delivery of dispute letters to credit bureaus via USPS Certified Mail
• Debt validation letters to debt collectors and furnishers under the Fair Debt Collection Practices Act (FDCPA)
• Direct furnisher disputes under FCRA Section 623
• Method of Verification demands under FCRA Section 611(a)(6)(B)(iii)
• Deadline tracking and enforcement for bureau investigation obligations
• Regulatory complaint filing (CFPB, BBB) when bureaus fail to comply with federal law
• Intent to Sue letters as escalation measures
• Up to four (4) rounds of disputes per enrollment

Our services focus exclusively on disputing inaccurate, misleading, incomplete, or unverifiable information on your credit reports as permitted under the Fair Credit Reporting Act (FCRA), 15 USC 1681 et seq.

3. Client Obligations

As a client of Flow Credit Solutions, you agree to:

• Provide accurate and truthful personal information, including your legal name, date of birth, Social Security Number, and current address
• Provide a valid government-issued photo identification and Social Security card or equivalent documentation
• Provide current credit reports or authorize us to obtain them on your behalf
• Respond promptly to requests for additional information or documentation
• Notify us immediately of any changes to your personal information, including address changes
• Not submit disputes through online portals or directly to credit bureaus while we are actively working your case, as this may interfere with our dispute strategy
• Not provide false, misleading, or fraudulent information

4. Payment Terms

Our credit repair service is offered at a one-time fee of $999 (nine hundred ninety-nine dollars). This is a single payment that covers the complete scope of services described in Section 2.

• Payment is due at the time of enrollment
• Payment is processed through our secure, PCI-compliant payment provider
• No recurring charges, monthly fees, or hidden costs will be assessed
• Work on your case begins upon receipt of payment and required documentation

5. Right to Cancel

In accordance with the Credit Repair Organizations Act (CROA), 15 USC 1679 et seq., you have the right to cancel this agreement within three (3) business days from the date you sign the contract, without any penalty or obligation. To cancel, you must notify us in writing at credit@flowautomate.ai within the three-business-day period.

If you cancel within the three-business-day period, you will receive a full refund of any fees paid. After the three-business-day cancellation period, fees are non-refundable as work on your case will have commenced.

6. No Guarantee of Specific Results

Flow Credit Solutions does not and cannot guarantee specific outcomes, including but not limited to:

• Removal of any specific item from your credit report
• A specific credit score increase
• Approval for any credit product, loan, or financial service
• A specific timeline for results

Credit bureaus are required by law to investigate disputes within 30 days and delete information they cannot verify. However, the outcome of each dispute depends on the specific facts and the bureau's investigation. We guarantee that we will professionally and diligently pursue every legitimate dispute using the full scope of federal consumer protection law.

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. You may also obtain a free copy of your credit report from each bureau once per year at annualcreditreport.com.

7. Dispute Process

Our dispute process follows a structured four-round approach:

• Round 1: Initial disputes citing FCRA Section 611(a) with specific inaccuracies identified in our analysis
• Round 2: Method of Verification demands under FCRA Section 611(a)(6)(B)(iii) for items reported as "verified"
• Round 3: Sworn affidavit of inaccuracy with direct furnisher dispute under FCRA Section 623
• Round 4: Escalation including CFPB complaints, Intent to Sue letters, and BBB complaints

All dispute letters are sent via USPS Certified Mail with Return Receipt Requested. We do not use online dispute portals. The timing between rounds depends on bureau response times and the statutory deadlines applicable to each dispute.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Flow Credit Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Credit decisions made by third-party lenders based on your credit report
• Actions taken by credit bureaus, creditors, or debt collectors
• Delays in bureau investigation or response
• Errors or inaccuracies in credit bureau data beyond our control

Our total liability to you for all claims arising from these Terms of Service shall not exceed the total amount you paid for our services ($999).

9. Confidentiality

We treat all client information as strictly confidential. We will not disclose your personal information to any third party except as necessary to provide our services (e.g., sending dispute letters to credit bureaus) or as required by law. For full details on our data handling practices, please refer to our Privacy Policy.

10. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Flow Credit Solutions and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions. Any disputes arising from these terms or our services shall be resolved in the state or federal courts located in King County, Washington.

12. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

13. Amendments

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website. Your continued use of our services after any modification constitutes your acceptance of the updated terms.

14. Contact Information

For questions about these Terms of Service, contact us at: