TERMS OF USE
Last updated: January 10, 2025
Please read these terms and conditions carefully before using Our Service.
IMPORTANT NOTICES
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
YOU ARE ENTITLED TO USE THESE RIGHTS FOR YOUR BENEFIT
NOTE: THESE TERMS CONTAIN AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER. By agreeing to these Terms, you agree to resolve all disputes with us through binding individual arbitration. That means you also waive any right to have those disputes decided by a judge or jury, and you waive your right to participate in class actions, class arbitrations, or representative actions. You have the right to opt out of arbitration as explained below.
YOU ACKNOWLEDGE AND AGREE THAT MOJO IS NOT A CREDIT REPAIR ORGANIZATION, CREDIT REPORTING AGENCY, CONSUMER REPORTING AGENCY, AND THAT WE OFFER SOFTWARE SOLELY FOR YOUR PERSONAL USE.
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You are not authorized to access the Site or utilize the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your Registration Obligations.
When you register to use the Services, you agree to provide accurate and complete information about yourself. If you are under 18 years old OR if you are an EU citizen or resident, do not sign up for the Services – you are not authorized to use them.
Links to Other Websites
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company. These links require a separate contract between you and the third-party sites. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services.
You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.
The MOJO Experience
Welcome to the MOJO family. MOJO provides you with an online software solution to personally take control your credit repair journey. The software provides you with a platform and tools for you to import, review, analyze and create disputes for your credit, on your own, and on your own time, specifically it allows you to:
1. Sync Your Credit Reports and Analyze the Information.
At your option, you can link your credit information from all three major credit bureaus effortlessly by connecting through one of three credit monitoring services. Once imported into MOJO, You can analyze the information to uncover errors, inaccuracies, outdated records, or misleading information that may be affecting your scores negatively.
2. Craft Dispute Letters and Track Progress
If you find negative information that You disagree with, You can create impactful dispute letters to address incorrect or questionable details on any or all of the three credit bureaus. As long as your account is active with MOJO and your choice of credit monitoring services, MOJO automatically updates your linked credit reports and scores each month, giving you a clear picture of your progress.
3. Learn with Powerful Tools and Resources
Access expert advice and practical guidance through instructional videos, articles, templates, and step-by-step guides to help you enhance and maintain your credit.
Authorizations
Upon linking your credit reports to your MOJO account, you authorize MOJO to store your credit report and score info as well as your credit monitoring account credentials and to access your credit monitoring account solely for the purpose of retrieving and updating your credit reports and scores.
MOJO Fees
Unrestricted and unlimited use of the Website costs $19.88/month. The only ADDITIONAL costs associated with the MOJO platform are the membership fees charged by one of the Credit Monitoring Services which you can link to your MOJO account to automatically connect your 3 Bureau Credit Reports and Scores. Terminating your MOJO subscription WILL NOT also cancel your Credit Monitoring Services account. You must log in separately with them to cancel.
Duration
Once you create a MOJO account you can login to your account by accessing this website at anytime. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating and tracking dispute letters, for the resources section or just to monitor your credit across all 3 bureaus.
Member Account, Password and Security.
You are responsible for maintaining the confidentiality of your password and account, and for all activities that occur under your password or account. You agree to immediately notify Mojodisputes.ai of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session when accessing the Services. Mojodisputes.ai will not be liable for any loss or damage arising from your failure to comply with this paragraph.
General Practices Regarding Use and Storage.
You acknowledge that Mojodisputes.ai may establish general practices and limits concerning use of the Services. These may include, without limitation, the maximum period of time that data or other content will be retained by the Services and the maximum storage space that will be allotted on Mojodisputes.ai servers on your behalf. You agree that Mojodisputes.ai has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded to the Services. You acknowledge that Mojodisputes.ai reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that Mojodisputes.ai reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.
Email Notifications.
You consent to receive notifications from us electronically to the e-mail address you provide to us. These notifications may be about your account, changes to our service, or other updates or marketing relating to our platform.
Indemnity and Release
The following provisions relate to the greatest extent allowed by law. To the extent that such provisions are not allowable or otherwise void the agreement, You agree that such provisions shall be altered to obtain the closest outcome that is otherwise allowed by law.
You agree to release, indemnify and hold Mojodisputes.ai and its affiliates and their officers, employees, directors and agents harmless from any and all losses, damages, and expenses of any kind arising out of or relating to your use of the Services. Without limiting the foregoing, the release and indemnification described above includes reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Services.
If you are a California resident, you waive California Civil Code Section 1542, which says:
“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”
If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.
Disclaimer of Warranty
Your use of the Services is at your sole risk.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
Limitation of Liability
You understand and agree that Mojodisputes.ai will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or damages for loss of profits including but not limited to damages for loss of goodwill, use, data or other intangible losses (even if Mojodisputes.ai has been advised of the possibility of such damages), whether based on contract, tort, negligence, strict liability or otherwise, resulting from: (i) the use or the inability to use the Services; (ii) unauthorized access to or alteration of your transmissions or data; (iii) any other matter relating to the Services. In no event will Mojodisputes.ai’s total liability to you for all damages, losses or causes of action exceed the greater of: (i) $100; or (ii) the amount you paid Mojodisputes.ai (if any) in connection with your use of the Services.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations set forth above may not apply to you. If you are dissatisfied with any portion of the site or with these terms of use, your sole and exclusive remedy is to discontinue use of the Services.
Dispute Resolution By Binding Arbitration
This section affects your rights so please read it carefully.
Agreement to Arbitrate. This Dispute Resolution by Binding Arbitration section of the Terms is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Mojodisputes.ai, whether arising out of or relating to these Terms (including any alleged breach thereof), the Website or Services, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and Mojodisputes.ai are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.
Prohibition of Class and Representative Actions and Non-Individualized Relief. You and Mojodisputes.ai agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and Mojodisputes.ai agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claims.
Pre-Arbitration Dispute Resolution. Mojodisputes.ai is always interested in resolving disputes amicably and fairly, and so if you have concerns, we strongly encourage you to first contact us about them at info@mojodisputes.ai If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Mojodisputes.ai should be sent to: SIMPLE SOFTWARE COMPANY LLC dba MOJO Disputes.ai: 1664 S Dixie Dr H-107, St. George, UT 84770 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Mojodisputes.ai and you do not resolve the claim within 60 calendar days after the Notice is received, you or Mojodisputes.ai may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Mojodisputes.ai or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Mojodisputes.ai is entitled.
Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with JAMS’ Streamlined Arbitration Rules and Procedures (collectively, the “JAMS Rules”), as modified by this Arbitration Agreement. For information on JAMS, please visit its website, https://www.jamsadr.com. If there is any inconsistency between any term of the JAMS Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.
Unless Mojodisputes.ai and you agree otherwise, any arbitration hearings will take place in St. George, Utah. If the parties are unable to agree on a location, the determination shall be made by JAMS. If your claim is for $10,000 or less, Mojodisputes.ai agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video conference hearing, or by an in-person hearing as established by the JAMS Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the JAMS Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
Costs of Arbitration. Payment of all filing, administration, and arbitrator fees will be governed by the JAMS Rules, unless otherwise provided in this Arbitration Agreement.
Confidentiality. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.
Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of the subsection above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The remainder of the Terms will continue to apply.
Future Changes to Arbitration Agreement. Notwithstanding any provision in these Terms to the contrary, Mojodisputes.ai agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Services, you may reject any such change by sending Mojodisputes.ai written notice within thirty 30 calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).
Governing Law
The laws of the state of Utah, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state or federal laws.
Disputes Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.
For European Union (EU) Users
This Website is not suitable for users outside of the United States, unless they are a citizen of the United States and are dealing with matters within the United States.
United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
Severability and Waiver
Severability - If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Waiver - Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
Translation Interpretation
These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and cancel the Service.
Contact Us
If you have any questions about these Terms and Conditions, You can contact us:
Right to Cancel or Terminate
You may terminate your MOJO account at any time through your account portal, or by sending us a Notice of Cancellation in the form below. When you terminate your account, your access will be terminated immediately, and your credit card will no longer be charged. You will not receive a credit for amounts already paid.
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms of Service. Upon termination, Your right to use the Service will cease immediately and your credit card will no longer be charged. It is your responsibility to contact any third-party Credit Monitoring Service to cancel their services.
To cancel this contract with MOJO, enter your Website Portal and click the Cancel Subscription button. Or email info@mojodisputes.ai
You can also mail or deliver a signed, dated copy of the cancellation notice, or any other written notice to SIMPLE SOFTWARE COMPANY LLC dba MOJO Disputes.ai: 1664 S Dixie Dr H-107, St. George, UT 84770
“To Whom it may concern: My name is __________ and I hereby cancel my MOJO software subscription.” Dated and Signed.