Legal

Terms of service.

Last updated April 29, 2026

These terms govern your use of Dot & Cross (the “Service”), operated by Dot & Cross, Inc. (“we,” “us”). By creating an account, you agree to these terms.

1. The Service is software, not legal advice.

Dot & Cross is software that helps you draft and send correspondence, track deadlines, and manage consumer disputes. We are not a law firm, do not employ licensed attorneys, and do not provide legal advice, legal opinions, or legal representation. No attorney–client relationship is formed by your use of the Service. Dispute submissions are not guaranteed to be accepted, successful, or to result in any recovery. For matters requiring legal representation, we will refer you to a licensed attorney in your jurisdiction; your relationship with that attorney is independent of Dot & Cross.

2. Eligibility.

You must be at least 18 years old and have the legal capacity to enter a contract to use this Service. Users under 18 are not permitted to create an account. If we discover a user is under 18, we will delete their account immediately.

3. Your account and your authority.

You represent that information you submit is accurate and that you have the legal authority to dispute the matters you bring to us. You are responsible for safeguarding your account credentials. You may not use the Service to harass, defraud, impersonate others, or submit false or frivolous disputes.

4. Approval and authorization for actions.

Actions that send correspondence, file complaints, or incur fees require your explicit approval, except where you have opted into automated thresholds. By approving an action, you authorize us to send the correspondence on your behalf as a non-attorney agent and to charge the associated fees to your account.

5. Subscription, credits, and fees.

Subscription plans renew automatically at the cadence you select. Included credits roll over for 60 days; purchased credits do not expire. Action fees (certified mail, filings, notarization, etc.) are charged at the prices listed at the time of approval. You may cancel any time; cancellations take effect at the end of the current billing period.

6. Refunds.

Subscription fees are refundable within the 14-day trial period or where required by law. Action fees that have already been incurred (e.g., certified mail handed off to USPS) are non-refundable. Unused credits remain in your account until used or expired.

7. Acceptable use.

You may not use the Service to file frivolous or fraudulent disputes, to retaliate against any party, or to violate the rights of others. You may not attempt to access non-public Service data, reverse-engineer the system, or scrape regulatory content for redistribution. We reserve the right to suspend or terminate accounts that violate these restrictions.

8. Privacy and security.

Our handling of your data — including documents, addresses, and any protected health information — is described in the Privacy Policy at /legal/privacy. By using the Service you authorize us to process your data as described there.

9. Disclaimers.

The Service is provided as is and as available. We make no warranties, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee any specific outcome, recovery, or settlement. Estimated recovery values are estimates based on available data, not promises. Dispute outcomes depend entirely on the facts of your case, the jurisdiction, and the responding institution's policies.

10. Limitation of liability.

To the fullest extent permitted by law, Dot & Cross, Inc. and its officers, directors, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or business interruption — arising out of or relating to your use of the Service. In no event shall our aggregate liability exceed the greater of (a) the total amount you paid us in the twelve months preceding the claim, or (b) one hundred US dollars ($100).

11. Indemnification.

You agree to indemnify, defend, and hold harmless Dot & Cross, Inc. and its officers, directors, employees, and agents from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your submission of false, misleading, or fraudulent dispute content; (b) your violation of these Terms; or (c) your violation of any third-party rights, including any intellectual property or privacy rights.

12. No class action.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class action, consolidated action, or representative proceeding. You waive any right to participate in a class action lawsuit or class-wide arbitration against Dot & Cross.

13. Termination.

You may terminate your account at any time via the Settings page or by emailing support@dotandcross.io. We may suspend or terminate accounts that violate these terms, engage in fraud, or when required to comply with law. On termination, we retain records as required by law and our data retention schedule.

14. Changes to these terms.

We will notify you by email at least thirty days before material changes to these terms take effect. Material changes include any increase in fees, changes to acceptable use, or modifications to the limitation of liability or indemnification provisions. Your continued use of the Service after the effective date constitutes acceptance of the updated terms.

15. Governing law.

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules. Any dispute arising out of or relating to these terms or your use of the Service that cannot be resolved informally shall be resolved exclusively in the state or federal courts located in Delaware, and you hereby consent to the personal jurisdiction of those courts.

Questions? Email legal@dotandcross.io.