Terms of Service

These Terms of Service (“Terms”) are an agreement between ClaroCredit (“ClaroCredit”, “we”, “us”; the company’s legal name and address will be added here before these Terms are final) and the law firm that uses ClaroCredit (the “Firm”, “you”). They cover the ClaroCredit website at clarocredit.com, the ClaroCredit application at app.clarocredit.com, and every related service we provide (together, the “Service”). By creating an account or using the Service, the Firm agrees to these Terms. The person who accepts them on the Firm’s behalf confirms that they are allowed to do so.

1. What ClaroCredit is

ClaroCredit helps consumer-protection law firms work with consumer credit reports. A Firm uploads a credit report, and the Service reads it, organizes what it contains, and points out entries that may deserve a closer look under consumer-protection laws. The Service also helps the Firm keep track of its matters, its people and its deadlines.

The Service is built for consumer debts only — debts for personal, family or household purposes. It is not built to judge business or commercial credit, and its results should not be used for it.

2. What ClaroCredit is not

• ClaroCredit is not a law firm and does not give legal advice. Nothing the Service shows is a legal opinion or a conclusion that anyone has a claim.
• Every result is a flag for attorney review. The Service can miss things, and it can flag things that turn out not to matter. A licensed attorney at the Firm decides what each flag means and what, if anything, to do about it.
• No attorney-client relationship. Using the Service does not create an attorney-client relationship between ClaroCredit and the Firm, the Firm’s clients, or anyone whose information is in an uploaded report.
• ClaroCredit is not a consumer reporting agency. The Service does not furnish consumer reports, and its results are not meant to be used as one (see section 7).

3. Accounts

• The Firm is ClaroCredit’s customer. Each account belongs to the Firm, and the Firm decides who in the Firm may use it.
• New Firms sign up online and are reviewed by our team before their accounts become active. We may decline a sign-up; when the person who signed up has confirmed their e-mail address, we tell them why.
• Every person needs their own sign-in. Keep passwords private, use a strong one, and tell us right away at info@clarocredit.com if you think someone else has used an account.
• The Firm is responsible for what happens under its accounts, including the work of the people it invites.

4. The Firm’s responsibilities

The Firm agrees that it will:

• upload a consumer’s credit report or other information only when it is allowed to — for example, with the consumer’s authorization and for a purpose the law permits;
• follow the laws and professional rules that apply to its practice, including the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, state privacy and consumer-protection laws, and the rules of professional conduct that govern its attorneys;
• review the Service’s results with a licensed attorney before relying on them or sharing them with a client;
• keep the information it gets from the Service confidential and protect it at least as carefully as it protects its own clients’ information; and
• give us accurate information about the Firm and the people who use its accounts.

5. The information the Firm puts in

• The Firm’s information stays the Firm’s. Credit reports, documents and case information that the Firm or its users put into the Service (“Firm Data”) belong to the Firm.
• We use Firm Data only to provide the Service. The Firm allows ClaroCredit and the service providers that help us run the Service to store, read, analyze and display Firm Data for the Firm, to keep the Service secure, and to meet our legal obligations — and for nothing else.
• We never sell Firm Data, and we never use it for advertising.
• Some of the reading and analysis is automated, including by artificial-intelligence and decision-support services that our providers run for us. They may use Firm Data only to provide their services to us.
• How we protect, keep and delete information is described in our Privacy Policy, which is part of these Terms.

6. Who owns what

• ClaroCredit owns the Service — its software, its design and everything we build into it. While the Firm’s account is active, the Firm and its users may use the Service for the Firm’s own legal work, as these Terms allow.
• The Firm owns Firm Data (section 5).
• If the Firm or its users send us suggestions or feedback, we may use them to improve the Service without owing anything for them.

7. Acceptable use

The Firm and its users will not:

• use the Service or its results as a consumer report, or to decide whether a consumer is eligible for credit, insurance, employment, housing or any other benefit;
• upload information they are not allowed to share, or anything that contains malicious code;
• try to get into accounts or data that are not theirs, test or break the Service’s security, or get around its limits;
• copy, resell or rent the Service, or take it apart to build a competing product; or
• use the Service in a way that breaks the law or harms ClaroCredit, other customers or consumers.

8. Confidentiality

Each side will keep the other’s non-public information confidential, use it only for this agreement, and share it only with people who need it for this agreement and are bound to keep it confidential. This does not cover information that is already public, that a side already had or develops on its own, or that the law requires a side to disclose (after telling the other side, where the law allows).

9. Fees

Some features may require a paid plan. If they do, we will show the price and the billing terms before anything is charged, and those terms will be part of this agreement. Unless those terms say otherwise, fees already paid are not refundable.

10. Changes to the Service

The Service is new and keeps improving. We may add, change or remove features. If a change takes away something important the Firm relies on, we will try to tell the Firm ahead of time.

11. Security and availability

We protect the Service and Firm Data with reasonable technical and organizational safeguards, described in our Privacy Policy. We work to keep the Service available, but it may sometimes be unavailable, for example during maintenance or because of problems outside our control.

12. Suspension and ending the agreement

• The Firm can stop using the Service at any time and ask us to close its account.
• We may suspend or end access if the Firm breaks these Terms, if its use puts the Service, other customers or consumers at risk, or if the law requires it. When we can, we will tell the Firm first and give it a chance to fix the problem.
• When an account closes, the Firm can ask for a copy of its Firm Data before we delete it. We delete Firm Data as described in our Privacy Policy.
• Sections 2, 5 to 8, and 13 to 17 continue to apply after the agreement ends.

13. No warranties

The Service is provided “as is” and “as available”. To the fullest extent the law allows, ClaroCredit makes no promises beyond those written in these Terms. In particular, we do not promise that the Service will find every issue in a report, that every flag is correct, or that the Service will never be interrupted.

14. Limits on liability

To the fullest extent the law allows:

• ClaroCredit is not responsible for indirect, incidental, special or consequential damages, or for lost profits, lost fees or lost data, even if we were told they might happen; and
• ClaroCredit’s total responsibility for all claims about the Service is limited to the amount the Firm paid us for the Service in the 12 months before the claim arose.

15. The Firm’s promise to cover certain claims

The Firm will defend ClaroCredit against, and pay the costs of, claims by others that arise from Firm Data the Firm was not allowed to upload, from the Firm’s use of the Service in breach of these Terms or the law, or from advice the Firm gives its clients.

16. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute about them will be decided in the state or federal courts located in Florida, and both sides agree to those courts’ jurisdiction.

17. General terms

• The whole agreement. These Terms, the Privacy Policy and any billing terms we agree on are the whole agreement between the Firm and ClaroCredit about the Service.
• If a part does not hold. If a court finds part of these Terms unenforceable, the rest still applies.
• Passing the agreement on. The Firm may not pass this agreement to someone else without our written consent. We may pass it on as part of a merger, sale or reorganization, and we will tell the Firm when we do.
• Not enforcing is not waiving. If we do not enforce a part of these Terms at once, we can still enforce it later.
• Notices. We send notices to the e-mail address of the Firm’s administrator; the Firm sends them to info@clarocredit.com. A postal address for notices will be added here before these Terms are final.
• Events beyond our control. Neither side is responsible for a delay or failure caused by events it cannot reasonably control, such as a natural disaster or a widespread outage of the internet or of a provider.

18. Changes to these Terms

We may update these Terms. If a change is significant, we will tell the Firm by e-mail or in the Service at least 30 days before it takes effect. Using the Service after that date means the Firm accepts the updated Terms.

19. Contact

Questions about these Terms: info@clarocredit.com.