Terms of Service

ArcaCentum, Inc. is an AI technology and software company. Our flagship product, ArcaCentum Credit, is a software-as-a-service platform that provides AI-powered educational tools for organizing, understanding, and building business and personal credit — including credit-building checklists, vendor tracking, AI report analysis, AI coaching, dispute letter templates, funding-readiness education, document storage, and learning content.

Important: ArcaCentum is a software company, not a credit repair organization, credit bureau, law firm, accounting firm, financial advisor, or lender. The Services provide educational information and organizational software tools only. Nothing in the Services constitutes financial, legal, tax, or credit repair advice, and we do not guarantee any particular credit score change, credit approval, or funding outcome.

• You must be at least 18 years old and able to form a binding contract to use the Services.
• You must provide accurate registration information and keep it up to date.
• You are responsible for safeguarding your login credentials and for all activity under your account. Notify us immediately at support@arcacentum.com of any unauthorized use.
• You may not share, sell, or transfer your account.

• Plans. The Services offer a free plan and paid subscription plans (billed monthly or annually) as described on our pricing page. Features and usage limits vary by plan.
• Payment processing. Payments are processed securely by Stripe. By subscribing, you authorize us (via Stripe) to charge your payment method the applicable fees, plus any applicable taxes, on a recurring basis.
• Automatic renewal. Paid subscriptions renew automatically at the end of each billing period until cancelled.
• Cancellation. You may cancel at any time from your Billing page or the Stripe customer portal. Cancellation takes effect at the end of the current billing period — you retain full access to paid features until then.
• Refunds. Except where required by law, payments are non-refundable and we do not provide partial or prorated refunds for unused time. See our Refund Policy for details, including how we handle billing errors and duplicate charges.
• Price changes. We may change subscription pricing with at least 30 days' advance notice; changes apply at your next renewal.

You agree not to:

• Use the Services for any unlawful, fraudulent, or deceptive purpose, including submitting false or misleading information in dispute letters or to any third party.
• Attempt to gain unauthorized access to the Services, other accounts, or our systems, or probe, scan, or test their vulnerability.
• Reverse engineer, decompile, scrape, or copy the Services or use them to build a competing product.
• Upload malicious code, or content that infringes intellectual property rights or violates any law.
• Resell, sublicense, or provide the Services to third parties without our written consent.
• Use automated means to access the Services except through documented interfaces we provide.

We may suspend or terminate accounts that violate these Terms.

• AI-generated outputs (analyses, coaching responses, letter templates, recommendations) are produced by machine-learning systems and may contain errors, omissions, or inaccuracies. You are responsible for reviewing and verifying all outputs before relying on or using them.
• Dispute letter templates are educational starting points. You are solely responsible for the accuracy and truthfulness of any communication you send to credit bureaus, creditors, or other parties.
• Scores and metrics shown in the Services (e.g., foundation scores, funding-readiness scores) are internal educational indicators, not official credit scores such as FICO® or VantageScore®.
• You should consult a qualified professional before making significant financial or legal decisions.

You retain ownership of the content you submit to the Services (documents, business information, messages). You grant us a limited, non-exclusive license to host, process, and display that content solely to operate and provide the Services to you, including processing through our AI and storage providers. You represent that you have the rights to the content you submit and that it does not violate any law or third-party rights.

The Services, including all software, design, text, graphics, logos, and trademarks (including "ArcaCentum" and "ArcaCentum Credit"), are owned by ArcaCentum, Inc. or its licensors and are protected by intellectual property laws. Except for the limited right to use the Services in accordance with these Terms, no rights are granted to you.

The Services integrate with third-party services such as Stripe (payments), email delivery providers, and AI infrastructure providers. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party services we do not control.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY OUTPUT WILL BE ACCURATE OR ACHIEVE ANY PARTICULAR RESULT, INCLUDING ANY CHANGE TO ANY CREDIT SCORE, PROFILE, OR FUNDING OUTCOME.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARCACENTUM, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to indemnify and hold harmless ArcaCentum, Inc. and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your content, your use of the Services, or your violation of these Terms or applicable law.

You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if we discontinue the Services (with reasonable notice for paid subscribers, including a pro-rata refund of prepaid fees for any discontinued period — this is the sole exception to our no-proration policy). Sections that by their nature should survive termination (including Sections 6–11 and 13) will survive.

These Terms are governed by the laws of the State of Nevada, USA, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively in the state or federal courts located in Clark County, Nevada, and you consent to their jurisdiction. To the extent permitted by law, each party waives the right to a jury trial and to participate in a class action.

We may modify these Terms from time to time. We will post the updated Terms on this page and update the "Last updated" date; material changes will be communicated by email or in-product notice at least 14 days before they take effect. Continued use of the Services after changes take effect constitutes acceptance.

These Terms, together with the Privacy Policy and Refund Policy, are the entire agreement between you and us regarding the Services. If any provision is found unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.