TERMS OF USE

Dispute Champs Academy

Last Updated: June 16, 2026

Welcome to Dispute Champs Academy (“Company,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website, community, courses, memberships, digital products, coaching, mentorship, downloads, events, emails, text messages, and related services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

1. Educational Purpose Only

Dispute Champs Academy provides credit education, business education, dispute education, templates, training, community support, mentorship, and general informational resources.

We do not guarantee credit score increases, credit approvals, funding approvals, deletions, account removals, business funding, loan approvals, or any specific financial outcome.

You understand that results vary based on your personal credit profile, payment history, debt levels, documentation, creditor responses, credit bureau investigations, timing, lender requirements, and other factors outside our control.

2. No Legal, Financial, Tax, or Credit Repair Advice

Our content is for educational purposes only and is not legal, financial, tax, accounting, lending, or professional credit repair advice.

You are responsible for consulting with licensed professionals, including an attorney, CPA, financial advisor, or credit professional, before making decisions based on our materials.

Nothing on our website, in our courses, or in our community creates an attorney-client, fiduciary, financial advisor, or professional-client relationship.

3. Credit Rights and Consumer Disputes

Consumers have the legal right to dispute inaccurate, incomplete, unverifiable, outdated, or misleading information on their credit reports. You may dispute credit report information yourself without purchasing our Services.

The Fair Credit Reporting Act protects consumer credit information and includes rights related to accuracy, privacy, access, and disputes. (Federal Trade Commission)

If any portion of our Services discusses credit repair, credit restoration, disputes, letters, or consumer reporting laws, that information is intended for education only and must be used lawfully, honestly, and accurately.

You agree not to use our materials to submit false, frivolous, misleading, deceptive, or fraudulent disputes.

4. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent that you are legally able to enter into this agreement.

5. Account Registration

You may be required to create an account to access certain courses, communities, downloads, or memberships.

You agree to provide accurate information and keep your login credentials secure. You are responsible for all activity under your account.

You may not share, sell, transfer, sublicense, or give access to your account to another person.

6. Payments, Billing, and Subscriptions

By purchasing from Dispute Champs Academy, you authorize us and our payment processors to charge your selected payment method for all applicable fees, taxes, subscription payments, installment payments, renewal payments, or other charges.

If you enroll in a payment plan, you agree to complete all scheduled payments. Failure to make payments may result in suspension or termination of access.

7. Refund Policy

All refund terms must be listed on the checkout page, sales page, or written offer. Unless otherwise stated in writing, digital products, courses, memberships, mentorships, coaching calls, community access, templates, and downloadable materials are non-refundable due to immediate access to proprietary content.

Chargebacks made without first contacting us may result in account termination and collection of outstanding amounts.

Contact: [email protected]

8. No Guarantees or Earnings Claims

We do not guarantee that you will repair your credit, increase your score, remove negative accounts, obtain funding, build business credit, get approved for credit cards, secure loans, or earn income from any strategy taught.

Testimonials, case studies, student results, examples, or screenshots are not promises or guarantees that you will achieve the same outcome.

Your results depend on your effort, credit profile, compliance, documentation, timing, market conditions, creditor responses, bureau responses, lender rules, and other factors.

9. User Responsibilities

You agree to use our Services only for lawful purposes.

You agree not to:

Copy, resell, distribute, or share our course materials.

Use our content to make false or misleading claims.

Pretend to be affiliated with Dispute Champs Academy without written permission.

Submit false disputes or fraudulent documents.

Harass, threaten, spam, or abuse other members.

Reverse engineer, scrape, download, or reproduce our platform content.

Use our Services in violation of any law, regulation, platform policy, or payment processor rule.

10. Community Rules

If you participate in our community, you agree to be respectful, truthful, and professional.

We reserve the right to remove posts, comments, or members for behavior that is abusive, misleading, discriminatory, spammy, illegal, or harmful to the community.

We may terminate access without refund if a member violates these Terms.

11. Intellectual Property

All content provided by Dispute Champs Academy, including videos, courses, trainings, templates, PDFs, worksheets, scripts, letters, logos, branding, graphics, text, audio, community posts, lesson materials, frameworks, and downloads, is owned by us or licensed to us.

You receive a limited, personal, non-transferable, non-exclusive license to access the materials for your own personal or business education.

You may not copy, reproduce, sell, publish, distribute, upload, share, modify, create derivative works from, or commercially exploit our materials without written permission.

12. Templates and Dispute Letters

Any templates, scripts, dispute letters, or sample documents are examples only. You are responsible for reviewing, editing, and ensuring all information you submit is truthful, accurate, complete, and applicable to your situation.

We are not responsible for any outcome resulting from your use or misuse of templates.

13. Third-Party Links and Tools

Our Services may contain links to third-party websites, software, tools, credit monitoring platforms, affiliate links, processors, or external resources.

We are not responsible for third-party content, policies, pricing, actions, services, or outcomes.

Your use of third-party tools is governed by their own terms and policies.

14. Affiliate Disclosure

Some links may be affiliate links. If you purchase through those links, we may receive compensation at no additional cost to you.

We only provide recommendations for educational or informational purposes. You are responsible for deciding whether a product or service is right for you.

15. Privacy and Communications

By using our Services, you agree to our Privacy Policy.

You may receive emails, texts, calls, reminders, updates, offers, and account-related messages from us. You may opt out of marketing communications at any time, but transactional or account-related messages may still be sent.

16. Platform Compliance

You agree that you will not use our Services in any way that violates the rules of platforms such as Google, Meta, YouTube, TikTok, GoHighLevel, Stripe, PayPal, or other third-party services.

HighLevel’s own Terms include arbitration and class-action waiver language, which is commonly expected in modern SaaS and online service agreements. (GoHighLevel)

17. No Platform Approval Guarantee

We make no guarantee that Google, GoHighLevel, Meta, Stripe, PayPal, banks, lenders, credit bureaus, or any third-party platform will approve your ads, account, website, funnel, offer, payment processing, or business model.

Each platform controls its own policies and approval decisions.

18. Disclaimer of Warranties

The Services are provided “as is” and “as available.”

We make no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, or uninterrupted access.

19. Limitation of Liability

To the maximum extent allowed by law, Dispute Champs Academy shall not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages.

Our total liability for any claim shall not exceed the amount you paid to us in the three months before the claim arose.

20. Indemnification

You agree to defend, indemnify, and hold harmless Dispute Champs Academy, its owners, officers, employees, contractors, partners, affiliates, and representatives from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the Services, violation of these Terms, misuse of materials, unlawful conduct, or infringement of any rights.

21. Termination

We may suspend or terminate your access at any time if you violate these Terms, fail to pay, misuse our content, disrupt the community, engage in unlawful behavior, or create risk for us, our users, or our platforms.

22. Dispute Resolution

Before filing any legal claim, you agree to contact us at [email protected] and attempt to resolve the issue informally.

If unresolved, disputes shall be handled through binding arbitration to the fullest extent permitted by law.

You agree to waive the right to participate in a class action, class arbitration, or representative action.

23. Governing Law

These Terms shall be governed by the laws of the State of North Carolina without regard to conflict of law principles.

24. Changes to These Terms

We may update these Terms at any time. Updates will be posted on our website with a revised “Last Updated” date.

Continued use of the Services means you accept the updated Terms.

25. Contact Information

For questions about these Terms, contact:

Dispute Champs Academy
Email: [email protected]