ThirteenEight

Legal

Terms of Service

Effective date: October 6, 2026

These Terms of Service (this "Agreement") constitute a legally binding agreement between you ("you" or "User") and Virtue Tank, LLC, a Florida limited liability company ("Company", "we", "us", or "our"), operating the ThirteenEight website and application (collectively, the "Service"). By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree to be bound by these terms, you are not authorized to access or use the Service.

Recitals

WHEREAS, the Company provides self-help software that assists consumers in organizing information they supply and preparing draft correspondence for their own signature and mailing; WHEREAS, User desires to access and use such software solely for purposes of disputing information appearing on User's own consumer report; NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties agree as follows:

1. Definitions

  • "Content" means all text, data, documents, and materials submitted to or generated through the Service, including dispute details, letters, and uploaded files.
  • "Consumer Reporting Agency" has the meaning given in the Fair Credit Reporting Act, 15 U.S.C. § 1681a(f).
  • "Furnisher" means an entity that furnishes information to a Consumer Reporting Agency under 15 U.S.C. § 1681s-2.

2. Nature of the Service; No Legal Advice; No Fiduciary Relationship

ThirteenEight is a self-help software tool. It assists you in organizing information you provide and preparing draft dispute letters that you review, approve, sign, and mail yourself. The Company expressly disclaims any attorney-client, fiduciary, or agency relationship, and no such relationship is created by this Agreement or your use of the Service. Specifically, the Company:

  • is not a law firm and does not render legal advice; nothing transmitted through the Service constitutes legal, financial, or credit-counseling advice, and no attorney-client relationship is created;
  • is not a credit repair organization acting on your behalf, and does not contact, communicate with, or negotiate with any Consumer Reporting Agency, Furnisher, creditor, or debt collector on your behalf or for you;
  • does not mail, file, transmit, or submit disputes for you;
  • does not warrant, guarantee, or promise any result, including without limitation the correction or deletion of any item from any consumer report, an increase in any credit score, the cancellation, settlement, or reduction of any debt, or any outcome within any period of time.

You retain the right, at no cost, to dispute inaccurate information in your consumer report directly with a Consumer Reporting Agency pursuant to 15 U.S.C. § 1681i, and nothing in this Agreement or the Service conditions your exercise of that right on use of the Service.

3. Eligibility; Account Registration and Security

You represent and warrant that you are at least eighteen (18) years of age and possess the legal capacity to enter into a binding contract. You agree to (a) provide accurate, current, and complete registration information; (b) maintain and promptly update such information; (c) safeguard your credentials and not disclose them to any third party; and (d) accept responsibility for all activities occurring under your account. The Service may be used solely for disputes concerning your own consumer file.

4. User Responsibilities; Representations and Warranties

You covenant and represent that you will:

  • dispute only information you believe in good faith to be inaccurate, incomplete, or unverifiable;
  • not make any false or misleading statement, impersonate any person, or use the Service to dispute information you know to be accurate;
  • review every letter generated through the Service prior to execution and mailing, and correct any statement that is not true and correct;
  • independently verify Consumer Reporting Agency mailing addresses prior to mailing;
  • comply with all applicable federal, state, and local laws and regulations.

You acknowledge that the willful submission of false information to a Consumer Reporting Agency may carry civil and criminal consequences under applicable law. You bear sole and exclusive responsibility for the content of any letter you execute and transmit.

5. AI-Assisted Features

Certain optional features employ artificial intelligence models to suggest wording based upon text you supply. You acknowledge that machine-generated output may be erroneous, incomplete, or misleading, and you assume sole responsibility for reviewing, editing, and verifying all such output before any use. Additional disclosures appear in our AI & Service Disclosure, which is incorporated herein by reference.

6. Fees; Payment

The Service is presently offered without charge. The Company reserves the right to introduce paid features upon prospective notice. In any such event, the Company will disclose the price and applicable terms prior to imposing any charge, and will not charge for services before they are fully performed where prohibited by applicable law, including the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq., to the extent applicable.

7. Acceptable Use

You shall not, directly or indirectly: (a) access or attempt to access data of any other user; (b) interfere with or disrupt the integrity or performance of the Service; (c) upload malware or other harmful code; (d) scrape, harvest, or reverse engineer the Service or any portion thereof; (e) circumvent any security or access-control measure; or (f) use the Service for any unlawful, fraudulent, or tortious purpose.

8. Intellectual Property; License Grant; User Content

The Service, including all software, source code, design, text, graphics, logos, and trademarks, is and shall remain the exclusive property of the Company and is protected by applicable intellectual property laws. You retain all right, title, and interest in and to Content you submit. You hereby grant the Company a limited, non-exclusive, revocable license to store, reproduce, process, and display such Content solely as necessary to operate and provide the Service for you. Letters generated for your use may be reproduced by you solely for your personal disputes.

9. Term and Termination

This Agreement commences upon your first use of the Service and continues until terminated. You may discontinue use and delete your data at any time. The Company may suspend or terminate your access, with or without notice, upon any material breach of this Agreement or as necessary to protect the Service, the Company, or third parties. Any provision that by its nature ought to survive termination (including Sections 10 through 14 and 16) shall survive any expiration or termination of this Agreement.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT, ALL OF WHICH ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE AGAINST ALL UNAUTHORIZED ACCESS.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST CREDIT OPPORTUNITIES, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY THEREOF. THE COMPANY'S AGGREGATE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO THE COMPANY DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00). Certain jurisdictions do not permit the exclusion or limitation of certain warranties or damages; accordingly, some of the foregoing limitations may not apply to you, and nothing herein limits any non-waivable statutory right.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its members, managers, officers, employees, and agents from and against any and all claims, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use or misuse of the Service; (b) your breach of this Agreement; or (c) any statement contained in any letter you execute, sign, or transmit.

13. Governing Law; Venue; Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute, claim, or controversy arising out of or relating to this Agreement or the Service shall be brought exclusively in the state or federal courts situated in Hillsborough County, Florida, and each party irrevocably submits to the personal jurisdiction and venue of such courts, except where applicable law mandates otherwise. Where eligible, you may alternatively bring an individual claim in a small claims court of competent jurisdiction.

14. Electronic Communications and Signatures

You consent to receive communications from us electronically, including by email and through the Service, and agree that such communications satisfy any legal requirement that they be in writing. You consent to the use of electronic records and signatures pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN), 15 U.S.C. § 7001 et seq., and its Florida counterpart.

15. Notices; Assignment; Severability; Waiver; Entire Agreement

Notices to the Company shall be directed to the address in Section 17. You may not assign this Agreement without our prior written consent; we may assign it in connection with a merger, acquisition, or sale of assets. If any provision of this Agreement is held invalid or unenforceable, that provision shall be construed to effect its intent to the maximum permissible extent, and the remaining provisions shall continue in full force and effect. No waiver of any provision shall be deemed a further or continuing waiver. This Agreement, together with the Privacy Policy and the AI & Service Disclosure, constitutes the entire agreement between the parties respecting the Service and supersedes all prior or contemporaneous understandings.

16. Changes to this Agreement

The Company reserves the right to amend this Agreement in its discretion. In the event of a material amendment, the Company will provide prospective notice by email or through the Service prior to the effective date of such amendment. Your continued use of the Service following the effective date of any amendment constitutes your acceptance thereof.

17. Notices and Contact

Virtue Tank, LLC
3959 Van Dyke Rd. #82, Lutz, FL 33558
Email: support@romans13eight.com