1. Authorization to Access Credit Information
By using Clever Kit Validate (“CKV”), you authorize Clever Kit to access, obtain, and review your consumer credit-report information for the sole purpose of identifying collection accounts and generating FDCPA-based debt validation letters.
This includes reviewing report data, tradelines, inquiries, public records, and any other relevant credit information.
2. Consent to Data Sharing & Use
By submitting your information, you consent to the secure electronic transmission, processing, and storage of your credit data.
We use your information only to deliver CKV services such as generating debt validation letters or providing analysis.
We do not sell or share your credit-report data with unauthorized third parties.
3. Data Security & Protection
Your credit data is transmitted and stored using industry-standard SSL/TLS encryption and secure server environments.
Access is restricted to authorized personnel and systems required to provide the CKV service.
We maintain technical and administrative safeguards to protect against unauthorized access or misuse.
4. User Responsibility
You acknowledge and agree that:
- You voluntarily provide access to your credit-report data.
- Clever Kit relies on the accuracy of information supplied by you and third-party reporting sources.
- You are responsible for ensuring that all information you provide is true, accurate, and complete.
- You may revoke authorization at any time by discontinuing use and notifying Clever Kit in writing.
5. Service Scope & No Legal Advice Disclaimer
Clever Kit Validate is a self-help, educational tool that generates FDCPA debt validation letters based on your credit data.
Clever Kit is not a law firm, does not provide legal advice, and does not represent you in any dispute or communication with collectors, creditors, credit bureaus, or courts.
All letters and materials are for informational purposes only.
You are solely responsible for reviewing, editing, signing, and sending any documents generated.
6. No Guarantees of Outcome
Clever Kit Validate does not guarantee:
- Removal of any collection account
- That a collector will validate, respond, or cease reporting
- Any credit-score change or improvement
- That a credit bureau will update or delete information
- Any legal or financial outcome
Results vary based on your situation, collector behavior, and applicable laws.
7. Debt Validation Limitations
CKV provides tools to help you request:
- Proof of ownership
- Chain of title
- Verification of the amount owed
- Collector licensing (where applicable)
You understand that:
- Collectors are not required to respond, but must pause collection activity until validation is provided.
- CKV cannot force any collector or bureau to act.
- CKV is not responsible for the accuracy of information provided by collectors or credit bureaus.
8. Accuracy of Information
Clever Kit is not responsible for any outcomes resulting from inaccurate, outdated, or incomplete information provided by you or third-party credit-reporting sources.
9. Revocation & Data Retention
You may revoke authorization by providing written notice and discontinuing use of the platform.
Certain records may be retained for compliance, audit, or legal purposes in accordance with applicable laws and our Privacy Policy.
10. Electronic Communications & E-Signature Consent
By using CKV, you consent to receive communications, updates, and disclosures electronically.
Your continued use constitutes your electronic acknowledgment and agreement.
11. Limitation of Liability
To the fullest extent permitted by law, Clever Kit LLC and its affiliates are not liable for:
- Indirect, incidental, or consequential damages
- Credit-score changes or credit denials
- Delays in dispute or validation processes
- Collector or bureau actions or inactions
- Any legal or financial outcomes related to your use of CKV
Your use of the platform is at your own risk.
12. Compliance with Federal & State Laws
Clever Kit operates in compliance with:
- The Fair Credit Reporting Act (FCRA)
- The Fair Debt Collection Practices Act (FDCPA)
Clever Kit does not impersonate consumers, dispute items on your behalf, or file complaints or legal claims for you.
13. Modifications to Terms
We may update or modify these Terms at any time.
Changes take effect upon posting, and continued use of CKV constitutes acceptance of the updated terms.
14. Use of Artificial Intelligence (AI) & Automation
Clever Kit uses AI to analyze credit data and generate customized debt validation letters.
AI-generated content:
- Is based on user-provided information
- Does not offer legal conclusions
- Is provided for self-help and educational purposes only
You are responsible for reviewing all AI-generated materials for accuracy and completeness.