Last Updated: January 23, 2026
By accessing or using Debt Defender ("Service"), operated by PeachByteSolutions LLC ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
Debt Defender is an AI-powered tool that helps users generate debt validation and dispute letters. The Service extracts information from uploaded debt collection documents and generates customized letters based on the Fair Debt Collection Practices Act (FDCPA) and other applicable laws.
The Service does not provide legal advice. The letters and information generated by Debt Defender are for informational and educational purposes only. We are not a law firm, and our Service does not create an attorney-client relationship. For specific legal questions about your debt situation, you should consult with a licensed attorney in your jurisdiction.
We do not guarantee any specific outcome from using our generated letters. The effectiveness of debt dispute letters depends on many factors outside our control, including the specific circumstances of your debt, the debt collector's practices, and applicable state laws.
Our Service uses artificial intelligence to analyze documents and generate letters. While we strive for accuracy, AI-generated content may contain errors. You are responsible for reviewing all generated content before sending any letters.
By using our Service, you agree to:
To use certain features of the Service, you must create an account using Google or Microsoft authentication. You are responsible for maintaining the security of your account.
Access to the Service requires an active paid subscription. Paid subscriptions provide unlimited letter generation. Subscription terms and pricing are displayed at the time of purchase.
We reserve the right to suspend or terminate accounts that violate these Terms of Service or engage in abusive behavior. You may cancel your account at any time through your account settings.
Paid subscriptions are processed through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis. You may cancel your subscription at any time, and you will retain access until the end of your current billing period. Refunds are handled on a case-by-case basis.
Your privacy is important to us. Please review our Privacy Policy for information about how we collect, use, and protect your data. By using our Service, you consent to the collection and use of information as described in our Privacy Policy.
Document Handling: Documents you upload are processed to extract relevant information and are not stored permanently after processing. Generated letters are associated with your account for your reference.
The Service, including its design, features, and content (excluding user-provided content), is owned by PeachByteSolutions LLC and protected by intellectual property laws. You retain ownership of documents you upload and letters generated from your specific information.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PEACHBYTESOLUTIONS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:
You agree to indemnify and hold harmless PeachByteSolutions LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.
We may modify these Terms of Service at any time. We will notify users of significant changes by posting a notice on our website or sending an email. Your continued use of the Service after changes constitutes acceptance of the modified terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.
If you have questions about these Terms of Service, please contact us at:
PeachByteSolutions LLC
Email: support@debtdefender.ai
Website: peachfamilybrands.com
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