Terms of Service

1. Who we are

Loosn is operated by TEMO WEALTH CONSULTING LLC (“Loosn”, “we”, “us”). These Terms of Service (“Terms”) govern your access to and use of the Loosn website, application, and related services (the “Service”). By creating an account you agree to these Terms.

2. What Loosn is — and is not

Loosn is self-directed software. The Service analyzes credit report data you provide (or that you authorize us to retrieve), identifies items that may be disputable under the Fair Credit Reporting Act (“FCRA”), and generates dispute letter templates in your name for you to review, approve, and send. On plans that include automated mailing, letters you have individually approved are printed and mailed through a third-party mailing provider with you as the sender of record.

Loosn does not contact credit bureaus or creditors on your behalf, does not negotiate debts, does not provide legal advice, and does not act as your attorney or agent except for the physical mailing logistics you explicitly authorize. Every decision — what to dispute, what to send, and when — is yours.

You have the right under federal law to dispute inaccurate information in your credit report directly with the credit bureaus, free of charge, without using Loosn or any paid service. Federal law (the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.) regulates credit repair services; the consumer disclosures it requires are presented to you during onboarding, together with your 3-business-day right to cancel.

3. No outcome guarantees

Credit dispute outcomes depend on the contents of your file and on the responses of credit bureaus and data furnishers. Loosn does not and cannot guarantee that any item will be removed or modified, that your credit score will improve, or that you will qualify for any loan or other financing.

4. Accounts and eligibility

You must be at least 18 years old, reside in the United States, and provide accurate information about yourself. You are responsible for the accuracy of the information in the disputes you approve. It is unlawful to make untrue or misleading statements to a credit bureau; do not use the Service to dispute information you know to be accurate and verifiable.

5. Subscriptions and billing

The Service is billed as a monthly subscription through Stripe. Plans that include automated mailing include a monthly allowance of certified letters; letters beyond the allowance are billed at the per-letter rate disclosed at the time you authorize automated mailing. You may cancel at any time from your billing settings, effective at the end of the current billing period. Loosn does not provide refunds for partial billing periods — you keep access for the period you have already paid for. Separately, within 3 business days of signing your onboarding agreement you may cancel without penalty, as described in that agreement.

6. Automated mailing authorization

Automated mailing operates only on letters you individually approve, under a separate written authorization you may withdraw at any time from your settings. Withdrawal stops future mailings but does not recall letters already mailed.

7. Acceptable use

You may not use the Service to submit false information, to dispute on behalf of another person without lawful authority, to interfere with the Service’s operation, or for any unlawful purpose. We may suspend or terminate accounts that violate these Terms.

8. Intellectual property

Loosn and its software, design, and content are owned by TEMO WEALTH CONSULTING LLC. Letters generated for you are yours to use for your own credit disputes.

9. Disclaimers and limitation of liability

The Service is provided “as is” without warranties of any kind, express or implied. To the maximum extent permitted by law, Loosn’s aggregate liability arising out of or relating to the Service is limited to the amounts you paid to Loosn in the twelve months preceding the claim. Nothing in these Terms limits rights you have under the Credit Repair Organizations Act or other consumer protection laws that cannot be waived.

10. Governing law and changes

These Terms are governed by the laws of [STATE — pending entity decision]. We may update these Terms; material changes will be notified by email or in-app, and continued use after the effective date constitutes acceptance.

11. Contact

Questions or cancellation requests: support@loosn.io.