Terms of Use

Effective October 10, 2026

These terms cover the ZungiDill app for Android and iPhone and the website zungidill.netlify.app, made by Numerita LLC (“we”, “us”). By using ZungiDill you agree to them. If you do not agree, do not use the app.

What ZungiDill is

ZungiDill is self-help software. It helps you review your own credit reports, decide what you believe is inaccurate, and prepare letters that you send yourself.

• ZungiDill is not a credit repair organization and not a law firm. It does not give legal, financial or credit advice.
• It does not contact credit bureaus, creditors, debt collectors or government agencies for you, and it does not send anything on your behalf.
• The Free Credit Report Review shows items to verify against the reporting rules in federal law. It does not decide what is wrong. You decide what is accurate and what to dispute.
• Letters are built from fixed wording and your own answers. Read each letter before you send it, and change anything that is not true for you.

No guarantee of results

Credit bureaus and the companies that report information decide every dispute. We cannot promise that any item will be corrected or removed, or that your credit score will change. No one can legally remove accurate, current information. Removing inaccurate or outdated negative items can help a score, but no one can promise a specific change.

Your responsibilities

• You must be at least 18 and live in the United States.
• Only dispute information you believe in good faith is inaccurate, incomplete, outdated or not yours. Disputing accurate information can get a dispute rejected as frivolous.
• Use the identity theft letters only if you were really a victim. Filing a false identity theft report is a federal crime.
• Use ZungiDill only for your own credit file, or for someone who has asked you to help with theirs.
• Keep copies of what you send, and send copies of documents, never originals.

Your free rights

You can dispute inaccurate information directly with the credit bureaus and with the companies that reported it, at no cost, without ZungiDill. You can get free credit reports at AnnualCreditReport.com. Credit freezes are free by federal law.

Prices and purchases

The app is free to download. The credit report review and letter drafting are free. You pay only to print, save or send a finished letter. Prices are shown in the app and in your store before you pay. Current prices in the United States:

The price charged is the one your store shows when you confirm. If a price changes, the change applies only to purchases or renewals after it, and your store will tell you before a subscription renews at a higher price.

One letter

A one-time purchase that unlocks one finished letter for printing, saving and sharing on the device where you bought it.

ZungiDill Monthly (auto-renewing subscription)

• Includes one round of letters each month: a letter to each credit bureau, plus letters to the companies that reported the items, debt validation and goodwill letters.
• Payment is charged to your Google Play account or Apple ID when you confirm the purchase.
• The subscription renews automatically each month at the price shown until you cancel. On iPhone, cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before it ends. On Android, cancel before your renewal date in Google Play.
• To manage or cancel on Android: open the Google Play Store, tap your profile picture, then Payments & subscriptions, then Subscriptions. On iPhone: open Settings, tap your name, then Subscriptions.
• Cancelling stops future renewals. You keep access until the end of the period you paid for.

Introductory prices, launch prices and promo codes

• We may offer a lower launch price for a limited time, or an introductory price for new subscribers (for example, a lower monthly price for the first 3 months). When the offer ends, the regular price shown in your store applies.
• Introductory offers are available only to people who have not subscribed before, as decided by Google Play or the App Store, and only once per account.
• Promo codes are redeemed through Google Play or the App Store, which decide whether a code is valid. Codes have no cash value, cannot be combined unless the store allows it, and may expire or be limited in number.

Refunds

Payments, receipts and refunds are handled by Google or Apple under their terms. Request a refund through Google Play’s refund page or at reportaproblem.apple.com. Reading a bureau’s reply and follow-up letters are always free.

Your information

ZungiDill stores what you enter only on your phone. We do not have a copy. If you delete the app or erase its data, we cannot restore it. See our Privacy Policy.

Other services

The app links to sites run by others, such as the credit bureaus, AnnualCreditReport.com, the CFPB and SmartCredit. We do not control them and are not responsible for them. SmartCredit is an optional, separate paid service with its own price and terms; it is not part of ZungiDill Monthly, and Numerita LLC may earn a commission if you join.

License and acceptable use

We give you a personal, non-transferable license to use the app on devices you own or control, as allowed by the store you got it from. You may not copy, resell, reverse engineer or use ZungiDill to prepare disputes as a paid service for others. The app, its design and its text belong to Numerita LLC.

Disclaimers

ZungiDill is provided “as is” and “as available”. To the extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the app is free of errors or that laws, addresses or bureau procedures referenced in it are current at the time you use them.

Limitation of liability

To the extent the law allows, Numerita LLC is not liable for indirect, incidental, special or consequential damages, or for decisions made by credit bureaus, creditors, collectors or lenders. Our total liability for any claim relating to ZungiDill is limited to the amount you paid us for the app in the 12 months before the claim. Some states do not allow these limits, so they may not apply to you. Nothing in these terms limits rights you have under consumer protection laws that cannot be waived.

Apple’s terms

If you got ZungiDill from the App Store, these terms are between you and Numerita LLC, not Apple. Apple is not responsible for the app or its content. Your license is limited to using the app on Apple-branded devices you own or control, as permitted by the App Store’s Usage Rules. Apple has no obligation to provide maintenance or support for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; Apple has no other warranty obligation. Apple is not responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to meet legal or regulatory requirements, and consumer protection claims. Apple is not responsible for any third-party claim that the app infringes intellectual property rights; Numerita LLC is. You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. Questions or complaints about the app go to Numerita LLC at the contact below.

Google Play’s terms

If you got ZungiDill from Google Play, these terms are between you and Numerita LLC, not Google, and the Google Play Terms of Service also apply.

Governing law

These terms are governed by the laws of the State of Wyoming and applicable federal law, without regard to conflict-of-law rules. This does not take away protections you have under the laws of the state where you live.

Changes

We may update these terms. We will post the new version here with a new effective date. If a change is material, we will also mention it in the app’s update notes. Continuing to use ZungiDill after a change means you accept it.

Contact

Numerita LLC, Sheridan, Wyoming
Email: hola.numerita@gmail.com
Phone: (682) 247-7649