Operator Terms of Service

Effective. These Operator Terms of Service are the current, binding agreement between MCP Dispute OS and its operators.

MCP DISPUTE OS — OPERATOR TERMS OF SERVICE

Provider: Multiservice Credit Plus LLC, d/b/a MCP Dispute OS ("Provider," "we," "us"), a Pennsylvania limited liability company (PA Dept. of State entity no. 0014174795), with its registered office at 20 Dundee Apts, Hanover Township, PA 18706-1121.
Customer: the business entity or individual that creates an operator account, subscribes to, or uses the Service ("Customer," "you," "Operator").

These Operator Terms of Service (the "Terms") are a binding agreement between Provider and Customer. By creating an account, clicking to accept (including the in-app "CROA responsibility" acknowledgment described in Section 7), or using the Service, Customer accepts these Terms. If you do not agree, do not use the Service.

PLAIN-ENGLISH SUMMARY (not a substitute for the Terms): We sell software. You run a credit-repair business. You — not we — are the "credit repair organization" under the law. You are solely responsible for your registrations, bonds, licenses, consumer contracts, disclosures, marketing, and fees. We do not collect or verify your licensing documents; we rely on your representations below. If your business breaks the law, that is on you, and you agree to defend and indemnify us.

1. DEFINITIONS
"Service" — the MCP Dispute OS software-as-a-service platform, including the web application, dispute-letter generation, case tracking, templates, storage, documentation, and related tools.
"CROA" — the federal Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.
"Credit Repair Organization" / "CRO" — as defined in CROA § 1679a(3).
"Credit Repair Laws" — CROA; the FCRA (15 U.S.C. § 1681 et seq.); the FDCPA (15 U.S.C. § 1692 et seq.); the FTC Telemarketing Sales Rule (16 C.F.R. Part 310), including the advance-fee provisions of § 310.4(a)(2); Section 5 of the FTC Act; the Consumer Financial Protection Act; all state credit-services-organization ("CSO"), credit-repair, licensing, registration, and surety-bond statutes of every state in which Customer solicits or serves consumers; and every other law applicable to Customer's business.
"Consumer Client" — a consumer who contracts with Customer for credit-repair or related services. Consumer Clients are Customer's clients, not Provider's.
"Customer Data" — data Customer or its Consumer Clients submit to the Service.
"Compliance Features" — the Service's compliance-oriented defaults and gates, including the CROA-responsibility acknowledgment gate; the per-state bond/registration self-certification module; refusal logic against disputing information Customer knows to be accurate; the absence of guaranteed-results language in generated output; template disclaimers; and audit/event logging.

2. THE SERVICE; LICENSE GRANT
2.1 Grant. Subject to these Terms and payment of fees, Provider grants Customer a limited, non-exclusive, non-transferable, non-sublicensable right during the subscription term to access and use the Service for Customer's own internal business operations.
2.2 Restrictions. Customer will not: (a) resell, white-label, or provide the Service to third parties except to serve its own Consumer Clients; (b) reverse engineer, copy, or create derivative works; (c) circumvent access controls, usage limits, or the Compliance Features (Section 5.2); (d) use the Service to develop a competing product; or (e) permit account sharing beyond seats purchased.
2.3 Templates are samples, not advice. Any letter, contract, or disclosure templates and educational content in the Service are generic samples provided for convenience only. They are not legal advice, are not warranted to satisfy the law of any jurisdiction, and must be reviewed and adapted by Customer's own attorney before use with Consumer Clients. Customer's use of any template is an adoption of that text as Customer's own.

3. ROLES: CUSTOMER IS THE CREDIT REPAIR ORGANIZATION
3.1 Customer is the CRO. As between the parties, Customer — and only Customer — is the "credit repair organization" (and, where state law uses the term, the "credit services organization") with respect to every Consumer Client. Customer solicits the consumer, contracts with the consumer, sets and collects fees, and owes the consumer every duty imposed by the Credit Repair Laws.
3.2 Sole responsibility. Customer is solely responsible for its compliance with all Credit Repair Laws, including: (a) state CSO/credit-repair registration and licensing in every state where Customer solicits or serves consumers; (b) obtaining and maintaining every required surety bond in the required amount; (c) its own consumer contracts meeting CROA § 1679d and state law; (d) the pre-contract disclosure required by CROA § 1679c and state analogs; (e) the 3-business-day (or longer state) cancellation right and Notice of Cancellation forms (§ 1679e); (f) the prohibition on advance fees (§ 1679b(b)) and, if Customer uses telemarketing, the stricter TSR advance-fee rule (16 C.F.R. § 310.4(a)(2)); (g) the prohibitions on untrue or misleading statements (§ 1679b(a)); (h) the substance, accuracy, and lawful basis of every dispute Customer submits, and all of Customer's marketing, fee collection, and consumer communications; and (i) all privacy, data-security, and breach-notification obligations to its Consumer Clients.
3.3 Provider is a software vendor only. Provider is NOT a credit repair organization, credit services organization, law firm, or consumer reporting agency; Provider does not provide legal advice; Provider has no relationship with, and performs no services for, Consumer Clients. Provider supplies neutral workflow software. Nothing in the Service is a representation by Provider to any consumer, or advice that any particular dispute, fee model, or business practice is lawful.

4. CUSTOMER REPRESENTATIONS AND WARRANTIES
Customer represents and warrants, on acceptance and continuously for as long as it uses the Service, that:
4.1 Licensed, registered, and bonded. Customer is, and will remain, duly registered, licensed, and bonded as a credit-services/credit-repair organization in every state where such requirements apply — or has verified, after reasonable diligence, that no such requirement applies to it in a given state. Customer will complete any pending registration or bonding before soliciting or charging consumers in the relevant state, regardless of any onboarding grace period the Service allows for recording those details.
4.2 Accurate self-certifications. Every attestation Customer records in the Service — including per-state bond/registration entries, "no bond required" certifications, and the CROA-responsibility acknowledgment — is true, accurate, current, and made by a person authorized to bind Customer. Customer will promptly update any attestation that becomes inaccurate.
4.3 Lawful use. Customer will not use the Service to violate any law. Without limiting that, Customer will not use the Service to (a) dispute information Customer knows or believes to be accurate and verifiable; (b) charge or collect fees prohibited by CROA § 1679b(b) or TSR § 310.4(a)(2); (c) make or transmit any guarantee of specific results, score improvements, deletions, or timeframes; (d) advise or assist any consumer to make untrue statements or to alter identity (including CPN/EIN schemes, which are prohibited absolutely); or (e) submit disputes without the consumer's authorization.
4.4 Own contracts and disclosures. Customer uses its own attorney-reviewed consumer contracts and disclosures, provides every disclosure and cancellation right the law requires, and does not represent that Provider is a party to, endorses, or guarantees Customer's services.
4.5 Authority. The person accepting these Terms is authorized to bind Customer.

5. COMPLIANCE COVENANTS
5.1 Consumer relationship stays with Customer. Customer will present itself to consumers under its own name, will not use Provider's name or marks in consumer-facing materials without written permission, and is solely responsible for supervising any employee or contractor it allows into its account.
5.2 No tampering with Compliance Features. Customer will not remove, disable, alter, or circumvent the Compliance Features, and will not edit Service-generated output to introduce unlawful content. Attempting to bypass the CROA-responsibility gate or falsify a self-certification is a material breach.
5.3 No guaranteed-results claims. Customer will not state or imply, in any channel, guaranteed deletions, guaranteed score increases, guaranteed timeframes, specific success rates, or any "special relationship" with consumer reporting agencies.
5.4 Cooperation. Customer will promptly notify Provider if it becomes the subject of any regulatory inquiry, enforcement action, or consumer litigation arising from its use of the Service, where lawful.

6. NO VERIFICATION BY PROVIDER; RELIANCE
6.1 Provider does not verify. Provider does NOT collect, review, or verify Customer's state registrations, licenses, surety bonds, consumer contracts, or any other compliance documentation, and has no duty to do so. The Service's compliance module records Customer's own self-certifications for Customer's benefit and audit trail; a recorded or "attested" entry is Customer's statement, not Provider's verification, approval, or legal conclusion.
6.2 Reliance. Provider makes the Service available to Customer in reliance on the representations and warranties in Section 4. Customer acknowledges that Provider would not do so otherwise.
6.3 Right (not duty) to inquire and act. If Provider becomes aware of facts suggesting Customer's representations are untrue or that Customer is using the Service unlawfully, Provider may (but is not obligated to) request evidence of registration, bonding, or licensure, and may suspend or terminate the Service under Section 10. Provider's exercise or non-exercise of this right creates no duty to monitor, verify, or police Customer.

7. IN-APP ACKNOWLEDGMENTS; CLICK-THROUGH ACCEPTANCE
7.1 The Service requires, before Customer may generate disputes or letters, an in-app acknowledgment in substantially this form: "I acknowledge that I (not MCP Dispute OS) am the credit-repair organization and am solely responsible for the federal CROA, the FCRA, and all applicable state compliance toward my clients."
7.2 Clicking the CROA-Responsibility Acknowledgment constitutes acceptance of these Terms in their entirety and re-affirmation of the Section 4 representations. Provider records the version, timestamp, and accepting user. If the acknowledgment or these Terms are updated, the Service may require re-acceptance before continued use.
7.3 The Service's onboarding grace period for recording bond/registration details is a software convenience only. It is not a representation that Customer may lawfully operate unregistered or unbonded anywhere, and it does not defer any obligation under Section 4.1.

8. CUSTOMER DATA; CONSUMER CLIENTS
8.1 Ownership. Customer owns Customer Data. Customer grants Provider a license to host, process, and display Customer Data solely to provide and secure the Service, comply with law, and enforce these Terms.
8.2 Customer's consumers are Customer's alone. Customer is the party responsible to Consumer Clients for lawful collection, use, and protection of their information, for obtaining every authorization needed to submit their data and disputes through the Service, and for responding to their requests. Provider processes Consumer Client data only as Customer's service provider.
8.3 Export and deletion. Customer may export its data during the subscription term; on termination, Provider will retain and then delete Customer Data in accordance with the Service's stated retention behavior and applicable law.

9. FEES; BILLING
9.1 Subscription fees, billing cycle, and plan limits are as stated at purchase and billed via Provider's payment processor. Fees are for software, not for credit-repair services, and are exclusive of taxes.

10. TERM; SUSPENSION; TERMINATION
10.1 Term. These Terms apply from account creation and continue through the subscription term, renewing per the purchased plan until cancelled.
10.2 Suspension / termination by Provider. Provider may suspend or terminate Customer's access immediately if: (a) Customer breaches Section 2.2, 4, or 5; (b) any Customer representation is or becomes untrue; (c) Provider reasonably believes Customer's use of the Service violates law or exposes Provider, consumers, or other customers to harm or legal risk; or (d) Customer fails to pay. Provider may also terminate for convenience on thirty (30) days' notice.
10.3 Effect. On termination, Customer's license ends and Sections 2.3, 3, 4, 6, 8.1, 11, 12, 13, and 15 survive, along with any accrued payment obligations.

11. INDEMNIFICATION BY CUSTOMER
Customer will defend, indemnify, and hold harmless Provider, its members, managers, officers, employees, agents, and affiliates from and against any and all claims, actions, investigations, demands, damages, penalties, fines, settlements, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) Customer's credit-repair or other business activities, including every relationship with, representation to, or charge collected from any Consumer Client; (b) Customer's breach of these Terms or the untruth of any representation in Section 4; (c) Customer's violation of any Credit Repair Law or other law; (d) Customer Data, including its collection or use; and (e) any claim by a Consumer Client, regulator, consumer reporting agency, or furnisher concerning Customer's conduct. Provider may participate in the defense with its own counsel at its own expense; Customer will not settle any claim imposing obligations on Provider without Provider's written consent.

12. DISCLAIMERS
12.1 AS IS. THE SERVICE, INCLUDING ALL TEMPLATES AND CONTENT, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION.
12.2 No legal advice; no compliance warranty. PROVIDER IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE. PROVIDER DOES NOT WARRANT THAT THE SERVICE, ANY TEMPLATE, ANY DEFAULT, OR ANY OUTPUT COMPLIES WITH, OR WILL CAUSE CUSTOMER TO COMPLY WITH, ANY LAW. COMPLIANCE FEATURES ARE AIDS, NOT ADVICE, AND DO NOT SHIFT ANY OF CUSTOMER'S RESPONSIBILITIES TO PROVIDER.
12.3 No outcome promises. PROVIDER MAKES NO REPRESENTATION ABOUT DISPUTE OUTCOMES, DELETIONS, SCORE CHANGES, OR BUSINESS RESULTS.

13. LIMITATION OF LIABILITY
13.1 NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY.
13.2 PROVIDER'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE FEES CUSTOMER PAID TO PROVIDER IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY.
13.3 The exclusions in this Section do not apply to Customer's obligations under Section 11 (indemnification) or Customer's breach of Section 2.2, and apply only to the maximum extent permitted by law.

14. CHANGES TO THE TERMS AND THE SERVICE
Provider may modify the Service and may update these Terms prospectively; material changes will be notified in-app or by email, and continued use (or re-acceptance via Section 7) after the effective date constitutes acceptance. Provider may add, change, or remove features, provided the Compliance Features will not be weakened for Customer's convenience.

15. GENERAL
15.1 Governing law; venue. Pennsylvania law governs, excluding conflicts rules; exclusive venue is the state or federal courts in Luzerne County, Pennsylvania, and each party consents to that jurisdiction.
15.2 Independent contractors. The parties are independent contractors. Nothing creates a partnership, joint venture, agency, franchise, or employment relationship.
15.3 Assignment. Customer may not assign these Terms without Provider's written consent; Provider may assign to an affiliate or in connection with a merger or sale.
15.4 Entire agreement; severability; waiver. These Terms (plus order/plan pages and any referenced policies, including the Privacy Notice) are the entire agreement and supersede prior discussions. If any provision is unenforceable it is limited or severed, and the remainder stands.
15.5 Notices. To Customer: the account email. To Provider: services@multiservicecreditplusllc.com, or by mail to 20 Dundee Apts, Hanover Township, PA 18706-1121.

These Terms are the final and binding agreement between Provider and Customer, effective as of the version identified in Provider's acceptance records. Provider is a Pennsylvania limited liability company; Pennsylvania law governs these Terms (Section 15.1).