Terms of Service

By accessing or using Civil Champ, you agree to be bound by these Terms of Service. If you do not agree, do not use the service. We may update these Terms at any time; continued use after changes constitutes acceptance.

Civil Champ provides AI-generated informational tools, including bill dispute assistance, contract analysis, noise/scam screening, and credit card rewards optimization. These tools are provided for general informational purposes only and are not a substitute for professional legal, medical, financial, or insurance advice. Nothing generated by the service should be construed as legal advice, a guarantee of outcome, or an endorsement of any dispute strategy.

Use of Civil Champ does not create any attorney-client, fiduciary, or other privileged relationship between you and Civil Champ. Communications with the service are not confidential in the legal sense and are not covered by attorney-client privilege. Any appeal letter, dispute filing, or recommendation produced by the service is a starting point, not a final legal document.

You are solely responsible for: (a) the accuracy of the documents and information you submit; (b) reviewing and verifying all AI-generated output before sending it to any third party; (c) ensuring that any dispute, appeal, or filing complies with the requirements of the receiving provider, court, or agency; and (d) any actions you take based on the service's output.

To the maximum extent permitted by law, Civil Champ and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the service or reliance on any AI-generated output, including but not limited to the outcome of any bill dispute, contract negotiation, or legal proceeding. The service is provided "as is" and "as available" without warranties of any kind.

Access to certain tools requires a paid subscription. You agree to pay all applicable fees and to provide accurate billing information. You may cancel your subscription at any time; refunds are governed by our billing policy. We reserve the right to suspend or terminate accounts that violate these Terms.

Your use of the service is also governed by our Privacy Policy, which describes how we collect, store, and protect your information. Documents you upload are stored privately and are accessible only to you and authorized administrators.

All software, branding, content, and design elements of Civil Champ are the property of Civil Champ and are protected by applicable intellectual property laws. AI-generated outputs provided to you may be used for your personal dispute and review purposes.

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Civil Champ operates, without regard to its conflict of law provisions. Any disputes shall be resolved in the competent courts of that jurisdiction.

Questions about these Terms can be sent to support@civilchamp.com.