Terms of Service

Librae: Legal Demand Letters Effective Date: May 1, 2026 Last Updated: May 1, 2026

Terms of Service URL: https://libraelegal.com/terms Contact: support@libraelegal.com

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. SEE SECTION 16 FOR DETAILS.

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you” or “user”) and Elias Ahmadi, operating as Librae (“Librae,” “we,” “us,” or “our”), governing your use of the Librae: Legal Demand Letters iOS application (the “App”) and the libraelegal.com website (the “Site,” and together with the App, the “Service”).

By creating an account, downloading the App, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through the App. Your continued use of the Service after such notification constitutes your acceptance of the modified Terms. The most current version of these Terms will always be available at https://libraelegal.com/terms.

2. Eligibility

You must be at least 18 years of age, or the age of majority in your state or territory if higher, to use the Service. By using the Service, you represent and warrant that you meet this age requirement and that you have the legal capacity to enter into binding contracts.

The Service is available to United States residents only. By using the Service, you represent that you are a resident of the United States.

Librae does not knowingly provide the Service to minors. If you are a parent or guardian and believe your minor child has accessed the Service, contact us immediately at support@libraelegal.com.

3. Critical Disclaimer — Not Legal Advice; Not a Law Firm

READ THIS SECTION CAREFULLY. IT DEFINES THE NATURE OF THE SERVICE.

3.1 Librae Is Not a Law Firm. Librae is a technology application that generates informational documents. Librae is not a law firm, does not employ attorneys in connection with the Service, and does not provide legal services within the meaning of any applicable law.

3.2 No Legal Advice. Nothing produced by the Service constitutes legal advice. The demand letters, dispute letters, and other documents generated by Librae are informational in nature and are based on general legal frameworks and the specific facts you provide. They are not a substitute for advice from a licensed attorney who has reviewed the specific facts and circumstances of your situation.

3.3 No Attorney-Client Relationship. Use of the Service does not create an attorney-client relationship between you and Librae, between you and any developer or operator of Librae, or between you and any third party. No communication through the Service, including through any support channel, creates an attorney-client relationship.

3.4 AI-Generated Content. All letters generated by Librae are created by an artificial intelligence system — specifically, Anthropic’s Claude large language model. AI-generated content may contain errors, omissions, inaccuracies, or outdated legal references. Librae does not guarantee that any generated letter accurately reflects the current state of the law applicable to your situation.

3.5 No Guarantee of Outcome. Librae makes no representation, warranty, or guarantee that any letter generated through the Service will result in the resolution of your dispute, recovery of any funds, correction of any credit report entry, or any other specific outcome. The effectiveness of demand letters depends on many factors entirely outside Librae’s control, including but not limited to: the recipient’s willingness to respond, the specific facts and circumstances of your dispute, the law applicable to your situation, and your follow-through on next steps.

3.6 Consult an Attorney. For any legal matter of significance, you should consult a licensed attorney in your jurisdiction. Many consumer protection attorneys offer free consultations and take cases on contingency (no upfront cost). Nothing in these Terms or the Service discourages you from seeking legal counsel.

4. Description of the Service

Librae is an iOS mobile application that generates customized demand letters and dispute letters for United States consumers facing common legal disputes. Users complete an intake form describing their situation, and the App generates a professional, jurisdiction-specific letter using an AI pipeline powered by Anthropic’s Claude API. Letters are delivered as PDF documents that users may download or email directly from the App.

4.1 Supported Dispute Scenarios

The Service currently supports generation of demand letters and dispute letters for the following scenarios:

Credit report and background check errors (federal Fair Credit Reporting Act)
Debt collector harassment and violations (federal Fair Debt Collection Practices Act)
Unauthorized charges, subscription traps, and billing disputes
Airline and travel compensation (DOT regulations)
Wage theft and unpaid wages (federal Fair Labor Standards Act and applicable state law)
Security deposit disputes (state landlord-tenant law)
Warranty claims and defective product disputes

4.2 Multi-Round Escalation

Each dispute scenario supports multiple rounds of escalation:

Round 1: A firm, professional demand or dispute letter establishing the legal basis for your claim and requesting specific relief
Round 2: An escalated letter with explicit reference to available legal remedies, damages language, and signals of litigation readiness
Round 3 and beyond: Formal pre-litigation notice communicating that you intend to pursue legal remedies if relief is not provided

Each round generates an independent letter appropriate for your current stage of escalation.

4.3 Certified Mail (Disabled at Launch)

The certified mail delivery feature — which would allow users to send letters via USPS Certified Mail through Librae’s platform — is disabled at the time these Terms take effect. All certified mail requests will return an error. We plan to enable this feature in a future update. Certified mail service will never be provided free of charge. When this feature is enabled, its pricing will be disclosed in the App before any purchase.

5. Your FCRA Rights and the Credit Repair Organizations Act

This section describes a federal legal requirement built into the Service.

5.1 Round 1 FCRA Dispute Letters Are Always Free

Under the Credit Repair Organizations Act, 15 U.S.C. § 1679c (“CROA”), you have the right to dispute information on your credit report directly with credit bureaus and furnishers at no charge. Librae is required by federal law to provide Round 1 FCRA dispute letter generation at no cost, regardless of your subscription status. This is a federal legal mandate, and it cannot be waived.

Round 1 FCRA dispute letters generated through the Service are always free of charge. No subscription, credit, or payment of any kind is required to generate a Round 1 FCRA dispute letter.

5.2 Round 2 and Beyond

Round 2 and subsequent FCRA dispute letters require a Claim Premium subscription or a letter credit.

5.3 Librae Is Not a Credit Repair Organization

Librae is not a “credit repair organization” as defined by 15 U.S.C. § 1679a(3). Credit dispute letter generation is one of seven dispute scenarios offered by the Service. The primary purpose of Librae is to generate demand letters and dispute letters across multiple consumer protection domains — not primarily or exclusively to improve your credit profile. Nothing in these Terms or the Service should be construed as representing that Librae will improve your credit score, remove information from your credit report, or perform any service that would cause Librae to qualify as a credit repair organization.

5.4 Your Direct Rights

You may dispute information on your credit report directly with Equifax, Experian, TransUnion, and any furnisher, at no charge, without using Librae. The Federal Trade Commission (FTC) provides free resources at consumer.ftc.gov to assist with credit disputes.

6. Accounts and Registration

6.1 Account Creation

To access the Service, you must create an account using a valid email address. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under your account.

6.2 Accuracy of Information

You agree to provide accurate and complete information when creating your account and when submitting dispute intake data. You must not generate letters based on materially false facts. Submitting false information to generate a demand letter may constitute fraud or other legal violations and will result in termination of your account.

6.3 Account Security

If you suspect unauthorized access to your account, contact us immediately at support@libraelegal.com. We are not liable for any losses resulting from unauthorized use of your account.

6.4 Account Deletion

You may delete your account at any time through the App Settings or by emailing support@libraelegal.com. Upon account deletion, all of your data is permanently and irreversibly deleted from our systems. See our Privacy Policy for full details.

7. Subscriptions and In-App Purchases

7.1 Products Available

Librae offers the following paid products through the Apple App Store:

Claim Premium (Monthly): A monthly subscription providing full letter generation across all seven dispute scenarios, all rounds (subject to Section 5 regarding FCRA Round 1)
Claim Premium (Annual): An annual subscription with the same entitlements as the monthly subscription
Single Letter Credit: A consumable, one-time purchase providing one full letter generation

7.2 Free Tier

All users may generate preview letters at no cost. Preview letters are limited in length or otherwise marked as previews. A Claim Premium subscription or a credit is required to access complete letters (other than FCRA Round 1 letters, which are always provided in full at no charge per Section 5.1).

7.3 Billing and Auto-Renewal

Subscriptions automatically renew at the end of each subscription period (monthly or annual) unless cancelled at least 24 hours before the renewal date. Your Apple ID account will be charged for renewal within 24 hours of the end of the current period. Subscription management and cancellation are handled through your Apple ID account settings.

7.4 No Free Trials

Librae does not offer free trials on any subscription product.

7.5 Cancellation

You may cancel your Claim Premium subscription at any time through your Apple ID account settings (Settings > [Your Name] > Subscriptions on your iOS device). Cancellation takes effect at the end of your current billing period. You retain access to Claim Premium features until the end of the period you have paid for.

7.6 Grace Period

If payment for subscription renewal fails, you may be placed in a grace period during which you retain access to Claim Premium features. If payment is not resolved before the grace period ends, your subscription will be cancelled.

7.7 Refunds

All subscription and credit purchases are processed by Apple through the App Store. Librae does not process refunds directly. Refund requests must be submitted to Apple through Apple’s standard refund process. Consumed letter credits are non-refundable — a credit is consumed when a full letter is generated using that credit.

7.8 Payment Processing

All payment processing is handled exclusively by Apple Inc. through the App Store. Librae never receives, processes, or stores your payment card information or any financial credentials. Your payment information is subject solely to Apple’s privacy policy and terms.

7.9 Price Changes

We reserve the right to modify our subscription and credit pricing at any time. We will provide notice of any price changes through the App or by email. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.

8. Acceptable Use

8.1 Permitted Uses

You may use the Service to generate demand letters and dispute letters for your own personal, non-commercial legal disputes.

8.2 Prohibited Uses

You agree not to use the Service to:

Generate letters based on materially false, fraudulent, or fabricated facts
Harass, threaten, or abuse any person or entity
Generate letters on behalf of other individuals without their explicit authorization
Operate a commercial service that resells Librae-generated letters
Access the Service through automated means, bots, scripts, or other unauthorized methods
Attempt to circumvent subscription or credit requirements through any technical means
Reverse engineer, decompile, or disassemble any portion of the App
Use the Service in any manner that violates applicable federal, state, or local law
Impersonate any person or entity in dispute intake data

8.3 Consequences of Prohibited Use

Violation of this Section may result in immediate termination of your account without refund of any unused subscription time or credits.

9. Intellectual Property

9.1 Your Letters

The demand letters generated through the Service belong to you. You are free to use, modify, send, or file them as you see fit. Librae does not claim any ownership interest in the content of your generated letters.

9.2 License Grant for Processing

By submitting dispute intake data through the Service, you grant Librae a limited, non-exclusive, non-transferable license to process that data for the sole purpose of generating your requested letter. This license does not extend to any other use of your intake data.

9.3 Librae’s Intellectual Property

The App, the libraelegal.com website, the Librae name and branding, the AI pipeline architecture, the Legal Knowledge Base, and all associated software are the intellectual property of Librae and are protected by applicable copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works of any Librae intellectual property without our express written permission.

10. Third-Party Services

The Service integrates with third-party services including Anthropic (letter generation), RevenueCat (subscription management), Resend (email delivery), and others described in our Privacy Policy. Your use of these third-party services is subject to their respective terms and privacy policies. Librae is not responsible for the practices of any third-party service provider.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIBRAE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
ANY WARRANTY THAT DEFECTS IN THE SERVICE WILL BE CORRECTED
ANY WARRANTY THAT THE LETTERS GENERATED THROUGH THE SERVICE WILL BE LEGALLY ACCURATE, EFFECTIVE, OR APPROPRIATE FOR YOUR SPECIFIC SITUATION
ANY WARRANTY THAT THE USE OF A GENERATED LETTER WILL RESULT IN ANY PARTICULAR OUTCOME, INCLUDING RESOLUTION OF YOUR DISPUTE, RECOVERY OF FUNDS, CORRECTION OF CREDIT REPORT INFORMATION, OR ANY OTHER RELIEF

The legal effectiveness of any demand letter depends on facts and circumstances entirely outside Librae’s control. Librae makes no representation that using a generated letter will produce any result.

Some jurisdictions do not allow the exclusion of implied warranties, in which case the above exclusions apply to the maximum extent permitted by law.

12. Limitation of Liability

READ THIS SECTION CAREFULLY. IT LIMITS LIBRAE’S LIABILITY TO YOU.

12.1 Exclusion of Consequential Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIBRAE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

LOST PROFITS OR REVENUE
LOSS OF DATA
LOSS OF GOODWILL
BUSINESS INTERRUPTION
COST OF SUBSTITUTE GOODS OR SERVICES
ANY DAMAGES RESULTING FROM YOUR RELIANCE ON ANY LETTER GENERATED THROUGH THE SERVICE
ANY DAMAGES RESULTING FROM ANY OUTCOME (OR LACK OF OUTCOME) OF ANY LEGAL DISPUTE IN WHICH YOU USE A LIBRAE-GENERATED LETTER

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF LIBRAE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.2 Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIBRAE’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO LIBRAE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) TEN DOLLARS ($10.00).

12.3 Essential Basis of Bargain

You acknowledge that the limitations of liability in this Section reflect a reasonable allocation of risk and form an essential basis of the bargain between you and Librae. Without these limitations, Librae would not be able to offer the Service at its current pricing.

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, in which case the limitations in this Section apply to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Librae and its operators, agents, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and attorneys’ fees arising out of or related to: (a) your use of the Service; (b) any letter you send or action you take based on a letter generated through the Service; (c) any dispute intake data you submit; (d) your violation of these Terms; or (e) your violation of any applicable law or the rights of any third party.

14. Privacy

Your use of the Service is also governed by our Privacy Policy, available at https://libraelegal.com/privacy, which is incorporated into these Terms by this reference. By using the Service, you consent to the data practices described in our Privacy Policy.

15. Termination

15.1 Termination by You

You may stop using the Service and delete your account at any time. See Section 6.4.

15.2 Termination by Librae

We reserve the right to suspend or terminate your access to the Service, with or without notice, if we determine in our reasonable judgment that you have:

Violated any provision of these Terms
Used the Service to generate letters based on materially false information
Used the Service for fraudulent, illegal, or abusive purposes
Engaged in excessive or automated use of the Service in a manner inconsistent with normal individual use

15.3 Effect of Termination

Upon termination of your account for any reason:

Your access to the Service terminates immediately
Your subscription, if any, terminates without refund of the current period
Your unused letter credits are forfeited without refund if termination is for cause
Your data will be deleted as described in our Privacy Policy

15.4 Appeal

If you believe your account was terminated in error, you may appeal by contacting support@libraelegal.com within 30 days of termination.

16. Dispute Resolution — Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH LIBRAE ON AN INDIVIDUAL BASIS AND WAIVES YOUR RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. YOU HAVE THE RIGHT TO OPT OUT OF ARBITRATION AS DESCRIBED BELOW.

16.1 Informal Resolution First

Before initiating arbitration, you agree to contact us at support@libraelegal.com and describe your dispute. We will attempt to resolve disputes informally within 30 days of receiving notice. If we cannot resolve the dispute informally within 30 days, either party may proceed to arbitration.

16.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service, or the breach, termination, enforcement, interpretation, or validity thereof (collectively, “Dispute”), shall be resolved by binding individual arbitration administered by JAMS or the American Arbitration Association (“AAA”) under their then-current consumer arbitration rules.

The arbitration shall be conducted by a single arbitrator. The arbitrator shall have authority to award any relief that would be available in court, including injunctive or declaratory relief. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

16.3 Arbitration Location and Format

Arbitration shall be conducted in the county where you reside, or by written submission or telephonically/videoconferencing if you prefer. You will not be required to travel to arbitration.

16.4 Arbitration Fees

For claims under $10,000, Librae will pay all JAMS or AAA filing, administration, and arbitrator fees unless the arbitrator finds your claim to be frivolous. For claims over $10,000, the allocation of fees shall be governed by the applicable JAMS or AAA consumer arbitration rules.

16.5 Small Claims Court Exception

Notwithstanding the foregoing, either party may pursue an individual claim in small claims court if the claim qualifies and remains in small claims court. This exception does not authorize class proceedings in small claims court.

16.6 Class Action Waiver

YOU AND LIBRAE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.

If this class action waiver is found to be unenforceable in any particular case, then the arbitration clause shall not apply to that case, and it shall be resolved in court subject to Section 16.8.

16.7 Right to Opt Out of Arbitration

You have the right to opt out of this arbitration agreement. To opt out, you must send written notice to support@libraelegal.com within 30 days of the date you first create your Librae account. Your opt-out notice must include your name, email address, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms. If you opt out of arbitration, disputes will be resolved in court as provided in Section 16.8.

16.8 Governing Law and Forum

These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. If arbitration does not apply (because you opted out or because the arbitration clause is found unenforceable), any Dispute shall be resolved exclusively in the state or federal courts located in California, and you consent to personal jurisdiction in those courts.

16.9 Time Limit for Claims

Any claim arising out of or relating to the Service must be brought within one (1) year of the date the cause of action arose. Claims not brought within this period are permanently barred.

17. General Provisions

17.1 Entire Agreement

These Terms, together with the Privacy Policy at https://libraelegal.com/privacy, constitute the entire agreement between you and Librae with respect to the Service and supersede all prior agreements and understandings.

17.2 Severability

If any provision of these Terms is found to be unenforceable by a court or arbitrator, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17.3 Waiver

Librae’s failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

17.4 Assignment

You may not assign your rights or obligations under these Terms without Librae’s prior written consent. Librae may freely assign its rights and obligations without restriction.

17.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights.

17.6 Force Majeure

Librae is not liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, government action, or failures of third-party infrastructure providers.

17.7 Contact

For questions about these Terms, contact us at:

Email: support@libraelegal.com Website: https://libraelegal.com/support