Terms of Service

By accessing or using the restu service (the “Service”) operated by Delvir Limited Liability Company (“restu”, “we”, “our”, or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service.

You must be at least 18 years old and a resident of the United States to use the Service. By using it, you represent and warrant that you meet these requirements.

restu helps you find potential discrepancies across your three credit bureau reports. You obtain your free reports from annualcreditreport.com and upload them; we compare the three reports and flag inconsistencies between them, along with the Fair Credit Reporting Act accuracy standard each may relate to.

• Free scan. Uploading your reports and seeing how many discrepancies we found, with a preview of each, is free.
• Full report (one-time $14.95). To see the full detail on every discrepancy — what each bureau reported, how the reports differ, and the FCRA accuracy standard each may relate to — you make a single, one-time payment of $14.95. This is not a subscription.

restu only identifies and explains discrepancies. It does not contact the credit bureaus on your behalf, draft or send dispute letters, track disputes, refer you to attorneys, or perform credit repair. The Service does not guarantee any particular outcome, including correction of any item, an improvement in your credit score, or recovery of any money.

THE SERVICE IS PROVIDED FOR INFORMATIONAL, SELF-HELP PURPOSES ONLY. RESTUIS NOT A LAW FIRM AND IS NOT A “CREDIT REPAIR ORGANIZATION” THAT REPAIRS CREDIT ON YOUR BEHALF. THE CONTENT WE PROVIDE — INCLUDING DISCREPANCY SUMMARIES AND GENERAL INFORMATION ABOUT THE FCRA — DOES NOT CONSTITUTE LEGAL ADVICE AND SHOULD NOT BE RELIED UPON AS SUCH.

We provide information that helps you understand where your reports disagree and the rights you already hold under the law; any action you take is your own. Using the Service does not create an attorney-client relationship. For legal advice specific to your situation, consult a licensed attorney.

By using the Service, you represent and agree that:

• You upload or request only your own credit reports, and any identity information you provide is accurate and your own.
• You will not submit any other person’s credit report or identity information without their explicit written authorization and the legal right to do so.
• You will use the Service only for lawful purposes and in accordance with these Terms.
• You will not reverse engineer, scrape, or attempt to access the Service’s underlying systems or data, and will not overburden or impair the Service.
• You review your own records and decide for yourself what, if anything, to do about any discrepancy we identify.

By uploading reports, you consent to us processing that data solely to provide the Service, as described in our Privacy Policy. You confirm you obtained or are authorized to obtain your reports and have the right to upload them for this purpose.

You retain ownership of the reports and information you provide. You grant us a limited, non-exclusive license to process that content as needed to operate the Service for you.

The Service and its original content, features, and functionality remain the exclusive property of Delvir Limited Liability Company and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Service without our written permission. The report we generate for you is yours to keep and use.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

RESTU DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) ANY DISCREPANCY IDENTIFIED IS IN FACT AN ERROR OR ACTIONABLE UNDER THE FCRA; OR (C) ANY DISCREPANCY IS COMPLETE OR THAT WE WILL DETECT EVERY INCONSISTENCY IN YOUR REPORTS. WHETHER A DISCREPANCY CONSTITUTES A VIOLATION IS A LEGAL DETERMINATION ONLY A LICENSED ATTORNEY CAN MAKE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RESTU AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL RESTU'S TOTAL CUMULATIVE LIABILITY EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $50. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO THE ABOVE MAY NOT FULLY APPLY TO YOU.

You agree to defend, indemnify, and hold harmless Delvir Limited Liability Company, its members, managers, employees, and contractors from any claims, liabilities, damages, losses, costs, and fees (including reasonable attorneys’ fees) arising out of: (a) your use of the Service; (b) your violation of these Terms; (c) any action you take based on your report; or (d) your violation of any law or the rights of any third party.

The Service integrates with third parties, including Stripe (payments), Google (authentication), and Anthropic (report analysis). These are governed by their own terms and privacy policies, and restu is not responsible for their content, practices, or availability.

We may suspend or terminate your account and access to the Service at any time, with or without cause or notice, including for violation of these Terms or fraudulent or abusive use. Upon termination, your right to use the Service ends immediately. Provisions that by their nature should survive (including Sections 3, 8, 9, 10, 13, and 14) will survive.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may seek injunctive or equitable relief in court for claims involving intellectual property or unauthorized use of the Service.

Class Action Waiver. Any arbitration or proceeding shall be limited to your individual dispute with restu. To the fullest extent permitted by law, you waive the right to participate in a class action or class-wide arbitration.

We may modify these Terms. For material changes we will update the effective date and provide notice by email or a prominent notice on the Service before the changes take effect. Your continued use after the effective date constitutes acceptance.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Delvir Limited Liability Company regarding the Service and supersede all prior agreements. If any provision is found unenforceable, the remaining provisions remain in effect.

Delvir Limited Liability Company d/b/a restu
Email: team@delvir.co