These Terms of Service ("Terms") govern your use of PARSEUR 10X, a credit report parsing and dispute letter generation service operated by EBSS LLC ("we," "our," "us") at parseur10x.live. By using our service, you agree to these Terms.
PARSEUR 10X is an AI-powered tool that analyzes credit report PDFs, identifies negative items, provides recommendations for improving your credit, and generates dispute letter templates. We offer a free tier with limited features and a Pro subscription ($17/month) with full access.
PARSEUR 10X is an informational tool, not a credit repair organization, law firm, or financial advisory service. The analysis, recommendations, and dispute letters provided are for informational and educational purposes only. They do not constitute legal advice, financial advice, or credit repair services as defined under the Credit Repair Organizations Act (CROA). You are responsible for reviewing all generated content before using it. We recommend consulting with a qualified attorney or financial advisor for specific legal or financial questions. Results may vary — we do not guarantee any specific outcome from using our dispute letters or recommendations.
When using PARSEUR 10X, you agree that you will only upload credit reports that belong to you or that you have legal authorization to access, all information you provide (name, address, email) is accurate, you will review and customize dispute letters before sending them, you understand that dispute outcomes depend on many factors outside our control, and you will not use our service for any illegal purpose.
Free Plan: Available to all users. Limited to 1 credit report parse per month. Includes basic analysis and one visible negative item. No credit card required.
Pro Plan ($17/month): Billed monthly through Stripe. Includes unlimited parses, full analysis, dispute letter generation, Credit Quest gamification, and all features. You may cancel at any time — cancellation takes effect at the end of your current billing period. No refunds for partial months.
Login: Pro access is tied to your email address. You can log in on any device using our magic link system. Your Pro status is verified against your Stripe subscription.
Your credit report PDF is processed entirely in your browser. Only the extracted text is sent to our servers for AI analysis. We do not store, save, or retain your credit report data. See our Privacy Policy for full details on data handling.
Dispute letters generated by PARSEUR 10X are templates personalized to your specific credit report data. Before sending any letter, you should review the content for accuracy, customize any placeholder fields (such as hardship explanations), ensure the recipient address is correct, and send via certified mail with return receipt requested for your records. We are not responsible for the content of letters after you modify them, or for the outcome of any dispute.
PARSEUR 10X includes affiliate links to third-party services including Kikoff, Ava Credit, and IdentityIQ. If you click these links and purchase products or services, we may earn a commission at no additional cost to you. These recommendations are based on relevance to your credit situation. We are not responsible for the products, services, or practices of our affiliate partners.
All content on PARSEUR 10X — including the website design, AI analysis methodology, branding, and educational content — is owned by EBSS LLC. You may not copy, reproduce, distribute, or create derivative works from our service without written permission. Dispute letters generated for your personal use are yours to use freely.
PARSEUR 10X is provided "as is" without warranties of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free, or that any specific credit outcome will result from using our tools. To the maximum extent permitted by law, EBSS LLC's total liability for any claim related to the service is limited to the amount you paid us in the 12 months preceding the claim. We are not liable for any indirect, incidental, special, or consequential damages.
You may not use PARSEUR 10X to upload credit reports belonging to others without authorization, engage in identity theft or fraud, attempt to reverse-engineer or scrape our service, resell access to our tools or generated content, or violate any applicable law or regulation.
We reserve the right to suspend or terminate your access to PARSEUR 10X at any time for violation of these Terms, fraudulent or abusive use, or at our sole discretion. You may stop using the service at any time by canceling your subscription (if applicable) and ceasing to access the site.
These Terms are governed by the laws of the State of Nevada, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Clark County, Nevada.
We may update these Terms from time to time. Continued use of PARSEUR 10X after changes are posted constitutes acceptance of the updated Terms. We will update the "Last updated" date at the top of this page.
Questions about these Terms? Contact us at: EBSS LLC — parseur10x.live