Terms of Service

Last Updated: 11/3/2025

Welcome to ChapterRelief LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our credit monitoring and bankruptcy integration platform (the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. User Accounts & Roles

Lawyer Accounts: Users with a "Lawyer" role represent that they are licensed attorneys in good standing. You are responsible for all activity on your account, including the management of clients you invite.

Client Accounts: "Client" accounts may only be created by express invitation from a Lawyer user. As a Client, you are responsible for maintaining the confidentiality of your account.

2. Service Description

The Service is a tool for Legal Professionals and their Clients. It allows Lawyers to invite Clients, who can then consent to have their credit report data retrieved from third-party credit bureaus. This data is provided to the Lawyer for the express purpose of providing legal advice and preparing bankruptcy filings.

THE SERVICE IS NOT A CREDIT REPAIR ORGANIZATION. THE SERVICE DOES NOT PROVIDE FINANCIAL OR LEGAL ADVICE.

3. User Responsibilities

  • Do not use the Service for any illegal or unauthorized purpose.
  • Do not provide false or inaccurate information during registration or authorization.
  • Do not attempt to gain unauthorized access to other users' accounts or data.

4. FCRA Authorization

To use the Service, Clients must provide explicit, standalone authorization in accordance with the Fair Credit Reporting Act (FCRA), as detailed in our FCRA Authorization. We will not pull any credit report without this authorization.

5. Intellectual Property

The Service and all its original content, features, and functionality are and will remain the exclusive property of ChapterRelief LLC and its licensors.

6. Disclaimers

  • The Service is provided on an "AS IS" and "AS AVAILABLE" basis.
  • We do not warrant that the Service will be uninterrupted, secure, or error-free.
  • We do not warrant that data from credit bureaus will be 100% accurate, complete, or current.

7. Limitation of Liability

In no event shall ChapterRelief LLC be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability to you for all claims shall not exceed the amount paid by you for the Service in the last six (6) months.

8. Termination

We may terminate or suspend your account immediately, without prior notice, for any breach of these Terms.

9. Governing Law

These Terms shall be governed by the laws of the State of Alabama, without regard to its conflict of law provisions.