Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the DocVault — Consumer Debt Defense website, applications, and services (collectively, the “Service”), operated by DocVault (“DocVault,” “we,” “us,” or “our”). By accessing or using the Service you represent that you are at least 18 years old and able to form a binding contract, and you agree to be bound by these Terms and all documents incorporated by reference, including our Legal Disclaimer.

DocVault is a self-help document-preparation and information service. It provides tools, templates, and general information that help you prepare your own documents based on information you provide. DocVault is not a law firm, is not your attorney, and does not provide legal advice or representation. Use of the Service does not create an attorney-client relationship. You are responsible for reviewing, correcting, and deciding how to use any document. Please review the full Legal Disclaimer, which is incorporated into these Terms.

You agree to provide accurate, current, and complete information and to keep your account credentials secure. You are responsible for all activity under your account. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are being used unlawfully.

Certain features require payment (specifically, a per-document fee of $5.00 per letter). Prices are shown at the point of purchase and may change. By purchasing, you authorize us and our payment processor to charge your selected payment method. Because documents are digital products powered by paid AI compute that is consumed immediately upon generation, all sales are final and fees are non-refundable except where required by law. See Section 4a (Non-Refundable Computing Credits; No Chargebacks) for the full policy, including the Right to Cure and chargeback waiver.

Each document you generate is powered by paid, on-demand artificial-intelligence compute. When you authorize a purchase, you are buying one (1) Non-Refundable Computing Credit priced at $5.00. A Computing Credit is consumed instantly and permanently at the moment of generation to pay for the server processing power required to run the AI model. Because that server resource is used up and cannot be recovered, all sales are final, the fee is fully non-refundable, and you expressly waive any right to a refund or to initiate a chargeback or payment dispute for a Computing Credit that has been consumed.

Right to Cure (free regeneration). If you are unsatisfied with the text or formatting of a generated document, your exclusive remedy is our unlimited free regeneration tools, which let you modify and regenerate the output during your session at no additional charge. This Right to Cure is provided in lieu of any refund.

Authorization and fraud protection. Before each generation you must affirmatively authorize the charge by checking a consent box that restates this policy verbatim. We record evidence of that authorization (including timestamp, IP address, and device information) and of the compute consumed. All card purchases are processed with 3-D Secure (SCA) authentication where supported, which verifies the transaction with your card-issuing bank. By completing a purchase you acknowledge and agree to these terms.

Nothing in this section limits any non-waivable right you may have under applicable law. Where the law grants you a right that cannot be waived, that right controls to the extent required.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use the Service and the documents you generate for your own personal, non-commercial, self-help use. You agree not to: (a) resell, redistribute, or provide the Service or generated documents to third parties as a service; (b) use the Service to practice law or provide legal advice to others; (c) submit false, fraudulent, or unlawful information; (d) copy, scrape, reverse engineer, or misappropriate the Service or its content; (e) attempt to circumvent payment, content protection, or security measures; or (f) use the Service in violation of any applicable law.

Please read this section carefully before uploading anything. Some features let you upload documents or images (for example, collection letters, court papers, notices, statements, or credit reports) so the Service can read them and help you prepare your own documents. This section governs those uploads and, together with Sections 8 and 9, allocates the risk of uploading them to you.

(a) Uploads are processed by third-party AI and cloud providers we do not control. To provide the Service, the contents of what you upload are transmitted to and processed by independent third-party artificial-intelligence providers and cloud-infrastructure vendors. DocVault does not own or operate those systems. DocVault has no control over, and does not and cannot guarantee whether those providers, their personnel, subprocessors, or systems can or cannot access, view, transmit, retain, or use the contents of your uploads. Those providers handle data under their own terms and policies, not ours, and their conduct is outside our control.

(b) Uploads are used only for document generation and are not retained by DocVault as stored documents. DocVault uses each uploaded file solely to read, analyze, and generate your requested document, and removes the uploaded file from DocVault’s active storage after that processing is complete. We do not build a document library from your uploads and do not intend to keep the uploaded files themselves. However, DocVault does not warrant or guarantee any specific retention period, deletion, backup behavior, encryption, or level of security, and copies of transmitted content may persist temporarily in caches, logs, or backups, or with the third-party providers described above, outside DocVault’s control. You should not assume that anything you upload is private, secure, confidential, or permanently and irretrievably deleted.

(c) No confidentiality and no privilege. Because DocVault is not a law firm and is not your attorney, and no attorney-client relationship exists, nothing you upload or submit is protected by the attorney-client privilege, the work-product doctrine, or any duty of confidentiality owed to you. Do not treat any upload as confidential or privileged.

(d) You are solely responsible for what you upload, and you assume all risk. You decide what to upload. Do not upload information you are unwilling to have transmitted to third parties, or that you cannot afford to have accessed, disclosed, or exposed. Where the document you are preparing does not require it, you should remove or redact sensitive identifiers such as Social Security numbers, full financial-account numbers, and other confidential personal information before uploading. To the fullest extent permitted by law, you knowingly and voluntarily assume all risk arising from your uploads and their contents, including any unauthorized access, disclosure, interception, loss, or misuse by any third party.

(e) Your representations and warranties. By uploading any document or information, you represent and warrant that: (i) you have the legal right to upload it and to have it processed as described; (ii) doing so does not violate any law or the privacy, confidentiality, contractual, intellectual-property, or other rights of any person; and (iii) you have obtained any consent required to submit information about any other person. You are responsible for the contents of your uploads.

(f) Release and indemnity for uploads. To the fullest extent permitted by law, you release DocVault and its owners, officers, employees, contractors, and suppliers from, and agree to indemnify and hold them harmless against, any and all claims, liabilities, damages, losses, and expenses arising out of or relating to the documents or information you upload or their contents, including any access to, transmission of, disclosure of, retention of, or use of that content by any third-party provider or any other person. This is in addition to, and does not limit, Sections 8 (Limitation of Liability) and 9 (Indemnification).

The Service, including its software, design, text, and templates, is owned by DocVault or its licensors and is protected by intellectual property laws. Except for the limited license granted above, no rights are transferred to you.

THE SERVICE AND ALL DOCUMENTS AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DOCUMENT WILL BE LEGALLY SUFFICIENT OR ACHIEVE ANY PARTICULAR RESULT. See our Legal Disclaimer for details.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL DOCVAULT OR ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY DOCUMENT, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO DOCVAULT IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to indemnify, defend, and hold harmless DocVault and its owners, officers, employees, and contractors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees and costs) arising out of or related to: (a) your use of the Service or any document; (b) your violation of these Terms or the Legal Disclaimer; (c) the accuracy or truthfulness of information you provide; or (d) your violation of any law or the rights of any third party.

Please read this section carefully — it affects your legal rights. Except for claims that qualify for small-claims court and requests for injunctive relief, any dispute, claim, or controversy arising out of or relating to the Service or these Terms will be resolved by final and binding individual arbitration administered under the rules of a recognized arbitration provider, rather than in court, except that either party may seek relief in small claims court for qualifying claims. You and DocVault waive any right to a jury trial and any right to participate in a class, collective, or representative action. Arbitration will be conducted on an individual basis only. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court. You may opt out of this arbitration provision by sending written notice within 30 days of first accepting these Terms.

These Terms are governed by the laws of the state in which DocVault is organized, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provision. Subject to the arbitration provision, the state and federal courts located in that state will have exclusive jurisdiction over any matters not subject to arbitration.

We may suspend or terminate your access to the Service at any time for any reason, including violation of these Terms. Sections that by their nature should survive termination (including disclaimers, limitation of liability, indemnification, and arbitration) will survive.

We may modify these Terms from time to time. The “Last updated” date above indicates the most recent revision. Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force. These Terms, together with the Legal Disclaimer, constitute the entire agreement between you and DocVault regarding the Service and supersede all prior agreements on that subject.