Terms of Service

Last updated: September 26, 2025

1. Service Description

OriumAI provides software tools that enable users to:

  • Generate FCRA-compliant credit dispute letters
  • Access templates and formatting tools
  • Manage document generation workflows
  • Access certified mail fulfillment services

We do not provide credit repair services, legal advice, or guarantees about credit score improvements.

2. User Responsibilities

By using OriumAI, you agree that:

  • You are solely responsible for the accuracy of information you provide
  • You will use the platform only for lawful purposes
  • You understand this is software only - no legal or credit repair services are provided
  • Any letters generated are your own correspondence when sent
  • You will comply with all applicable laws and regulations

3. No Legal or Credit Repair Services

  • Provide legal advice or representation
  • Guarantee credit score improvements
  • Act as your agent with credit bureaus
  • Provide financial or credit counseling
  • Make promises about dispute outcomes

4. Mailing Services

Our certified mail service is a fulfillment service only:

  • Letters are sent with your name and address as the sender
  • OriumAI is not the sender of your correspondence
  • No guarantees are made about delivery or outcomes
  • You authorize mailing as your own correspondence

5. Payment and Billing

Subscription and service fees are processed securely through Stripe. All sales are final unless otherwise required by law.

6. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy for details on how we collect, use, and protect your information.

7. Disclaimers

THE SOFTWARE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

8. Limitation of Liability

IN NO EVENT SHALL ORIUMAI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE PLATFORM.

9. Contact Information

For questions about these terms, please contact us at:

  • Email: legal@oriumai.com
  • Address: Available upon request
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