Terms and Conditions for SecondChanceLetter.xyz

Effective Date: June 27, 2025

Welcome to SecondChanceLetter.xyz! These Terms and Conditions ("Terms") govern your access to and use of the SecondChanceLetter.xyz website and its services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

1. Service Description

SecondChanceLetter.xyz is an AI-powered goodwill letter generator designed to assist users in drafting letters to credit card companies. Our service leverages artificial intelligence to create customized letters based on your provided input, typically for purposes such as requesting the removal of late payments or addressing other credit-related issues. Our aim is to provide a helpful tool for users seeking to communicate effectively with financial institutions regarding their credit history.

2. Purchase Terms

Our services are offered on a credit-based system, with options for both one-time credit purchases and unlimited access subscriptions:

• Credits: You can purchase individual credits for one-time letter generation. Each credit allows for the generation of one goodwill letter.
• Subscriptions: We offer subscription plans that provide unlimited letter generation for the duration of the active subscription period.
• Non-Refundable: All purchases of credits and subscriptions are final and non-refundable. We do not offer refunds for unused credits, partial subscription periods, or dissatisfaction with AI-generated content.
• Subscription Termination: Unlimited access is contingent upon maintaining an active subscription. If your subscription is canceled or lapses, your access will revert to the default (typically one free letter if eligible, or no generation capability if credits are exhausted).
• Pricing: Prices for credits and subscriptions are subject to change without prior notice.

3. Data & Privacy

Your privacy is paramount to us.

• Generated Letters: We want to explicitly state that generated letters are NOT stored on our servers once they are provided to you. This means your sensitive letter content is not retained by SecondChanceLetter.xyz after generation.
• User Input: When you use our letter generation service, the input you provide (such as your full name, reason for late payment, and selected creditor) is used solely for the purpose of generating your letter via our AI model. This input data is processed in real-time and is not retained or stored in our databases after the letter has been generated.
• Authentication Data: SecondChanceLetter.xyz uses Google Sign-in for user authentication. When you sign in with Google, we receive and store basic account information such as your Google ID, name, email address, credit balance, and subscription status. This data is used exclusively for managing your account, tracking your credit usage, and providing access to our services.
• Payment Data: All payment transactions for credits and subscriptions are processed securely through Stripe. SecondChanceLetter.xyz does not directly collect or store your sensitive financial information (e.g., credit card numbers). Your payment data is handled in accordance with Stripe's privacy policy.
• Aggregated Statistics: We may collect anonymized and aggregated statistics, such as the total number of letters generated across all users, for analytical and operational purposes. This aggregated data does not contain any personally identifiable information.
• Third-Party Services: Our website may use third-party services (e.g., Google for authentication, Stripe for payments, OpenAI for AI generation). Your use of these third-party services is subject to their respective terms and privacy policies.

4. Disclaimers

• No Guarantees: The AI-generated letters are provided for assistance purposes only. SecondChanceLetter.xyz makes no guarantees regarding the effectiveness, accuracy, completeness, or suitability of the generated content for your specific situation. We do not guarantee the removal of late payments, improvement of credit scores, or any specific outcome from sending the letters.
• Professional Advice: The information and letters provided by SecondChanceLetter.xyz do not constitute legal, financial, or professional advice. You are solely responsible for reviewing, editing, and determining the appropriateness of the generated letter before sending it. We strongly advise you to consult with a qualified legal or financial professional for advice tailored to your individual circumstances.
• "As Is" Service: The service is provided "as is" and "as available," without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

5. User Responsibilities

You are responsible for:

• Providing accurate and truthful information when using our services.
• Reviewing and editing the AI-generated letter to ensure its accuracy, completeness, and suitability for your intended purpose before sending it.
• Complying with all applicable laws and regulations when using our service and sending any correspondence generated through it.
• Maintaining the confidentiality of your account credentials.

6. Intellectual Property

As between you and SecondChanceLetter.xyz, you own the input you provide to the service. Upon generation, the AI-generated letter content (Output) becomes your property, and you are granted a license to use it for your personal, non-commercial purposes. SecondChanceLetter.xyz retains ownership of the underlying AI models, software, design, and all other intellectual property related to the website and its services.

7. Termination

We reserve the right to suspend or terminate your access to SecondChanceLetter.xyz at any time, without prior notice, for any reason, including but not limited to, breach of these Terms, misuse of the service, or fraudulent activities.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where SecondChanceLetter.xyz operates, without regard to its conflict of law provisions.

9. Contact Information

If you have any questions or concerns regarding these Terms or our services, please contact us at:

JeffBurns@JFLX.Cloud

By using SecondChanceLetter.xyz, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.