🛑 Important Legal Disclaimer
I am an AI, not an attorney. This draft is for informational purposes. Since you are in California (the most litigious state for consumer privacy), you should have a lawyer review this before you start taking real users.

1. NOT A LAW FIRM OR FINANCIAL ADVISOR

DEBT DETECTOR IS A SOFTWARE TOOL ONLY. We are not a law firm, a credit repair organization, or a financial advisor.

• We do not provide legal advice or representation.
• We do not "fix" credit or guarantee the removal of accurate information from your credit report.
• The "Unauthorized Practice of Law" (UPL) Warning: You agree that any letters generated by the app are sent by you, the user. We do not choose which legal strategy you take; we simply provide the automation for the strategy you select.

2. ACCURACY OF DATA & SCRAPING LIMITATIONS

You are uploading a third-party document (a credit report).

• Scraping Risks: Our software uses automated parsing to read your PDF. Errors can occur. You must verify all account numbers, names, and debt amounts before contacting a collector or making a payment.
• No Warranty: We provide this service "As Is." If our scraper misreads a date or a dollar sign, Debt Detector is not liable for any financial loss or legal consequences resulting from that error.

3. USER RESPONSIBILITY & COMPLIANCE

By uploading your report, you represent and warrant that:

• You are the legal owner of the data or have explicit permission to upload it.
• You understand that disputing a valid debt may lead to increased collection efforts or legal action by the creditor.
• You are responsible for the physical mailing or delivery of any letters generated by this app.

4. PRIVACY & THE "CALIFORNIA" CLAUSE

As a California-based service (governed by CalOPPA and CCPA):

• We do not sell your personal financial data to "debt settlement" or "lead gen" companies without your "Opt-In" consent.
• Your Social Security Number is encrypted and is used solely for identifying your specific records within the uploaded document.

5. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Debt Detector and its owners (including those operating as a Sole Proprietorship or LLC) shall not be liable for any indirect, incidental, or consequential damages, including but not limited to:

• Decreases in your credit score.
• Lawsuits filed against you by debt collectors.
• IRS consequences from debt forgiveness (Form 1099-C).

6. MANDATORY ARBITRATION & CLASS ACTION WAIVER

PLEASE READ THIS CAREFULLY.

• You agree that any dispute between you and Debt Detector will be resolved through binding individual arbitration in the State of California, not in a court of law.
• Class Action Waiver: You waive your right to participate in a class-action lawsuit or class-wide arbitration. You may only bring claims on your own behalf.

7. GOVERNING LAW

These terms are governed by the laws of the State of California.