Terms of Use

Effective October 13, 2026

These terms cover the ZungiDill app for Android and iPhone and the website zungidill.com, made by Numerita LLC. By using the app you agree to them.

What ZungiDill is

• Self-help software for reviewing your own credit reports, deciding what you believe is inaccurate, and drafting letters you send yourself.
• Not a credit repair organization, credit counseling service or 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 never sends anything on your behalf.
• The free review points out items worth checking against federal reporting rules. You decide what is wrong.
• Letters are built from set wording plus your answers. Read every letter and change anything that is not true for you.

No guarantee of results

Credit bureaus and the companies that report to them decide every dispute. No outcome, removal or score change is promised. Accurate, current information cannot lawfully be removed. Removing inaccurate or outdated negative items may help a score, but no change can be guaranteed.

Your responsibilities

• You must be at least 18 and live in the United States.
• Use ZungiDill only for your own credit file. A report in another person's name is not accepted.
• Dispute only items you believe in good faith are wrong, incomplete, outdated or not yours. Disputing accurate items can get a dispute rejected as frivolous.
• Use identity theft letters only if you are a real victim. A false identity theft report is a crime.
• Keep copies of everything you send, and send copies of documents, never originals.

Your free rights

You can dispute directly with the credit bureaus and the companies that report to them for free, without ZungiDill. Free credit reports are at AnnualCreditReport.com. Credit freezes are free under federal law.

Prices and purchases

Downloading the app, 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 by your store before you pay. Current U.S. prices:

Credit report review	Free
Letter drafting, reading replies, follow-up letters	Free
One letter, one-time purchase	$4.99 launch price through December 31, 2026, then $9.99
ZungiDill Monthly, auto-renewing	$39.99 a month. New subscribers pay $19.99 a month for the first three months, then $39.99 a month.

You pay the price your store shows when you confirm. A price change applies only to later purchases or renewals. Your store tells you before a subscription renews at a higher price.

One letter

A one-time purchase that unlocks one finished letter to print, save and share on the phone where you bought it. One letter covers every item you dispute at one bureau.

ZungiDill Monthly

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

Launch prices, introductory prices and promo codes

Launch prices last for a limited time. Introductory prices, like the three month offer, are for new subscribers who have not subscribed before, one time per account, as decided by your store. The regular price applies after. Promo codes are redeemed through your store, which decides if a code is valid. Codes have no cash value, usually cannot be combined, and may expire.

Refunds

Google and Apple handle payments, receipts and refunds under their own terms: Google Play refunds, Apple refunds. Reading a bureau reply and follow-up letters are always free.

Your information

What you enter in the app is stored only on your phone. Numerita LLC does not have a copy. Deleting the app or erasing its data is permanent and cannot be undone. See the Privacy Policy.

Other services

The app links to other websites, such as the credit bureaus, AnnualCreditReport.com, the CFPB and SmartCredit. Numerita LLC does not control them and is not responsible for them. SmartCredit is optional, priced separately, has its own terms, and is not part of ZungiDill Monthly. Numerita LLC may earn a commission if you sign up through the link.

License and acceptable use

You get a personal license to use the app on devices you own or control, under your store's rules. It cannot be transferred. You may not copy, resell or reverse engineer the app, or use it to run a paid dispute service for other people. The app, its design and its text belong to Numerita LLC.

Disclaimers

The app is provided as is and as available. To the extent the law allows, all implied warranties are disclaimed. We do not promise the app is free of errors, or that the laws, addresses or bureau procedures it refers to are current when you use it.

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 is limited to what you paid for the app in the twelve months before the claim. Some states do not allow these limits. Consumer protection rights that cannot be waived are not affected.

Apple's terms

• If you got the app from the App Store, this agreement is between you and Numerita LLC, not Apple. Apple is not responsible for the app, its content, maintenance or support.
• If the app fails to meet a warranty, you may tell Apple and Apple may refund the purchase price. Apple has no other warranty obligation.
• Apple is not responsible for product liability, legal or regulatory compliance, or consumer protection claims. Numerita LLC handles any claim that the app infringes someone's intellectual property.
• You confirm you are not in a country under a U.S. embargo or named as supporting terrorism, and you are not on a U.S. list of prohibited or restricted parties.
• Apple and its subsidiaries are third party beneficiaries of these terms and may enforce them.
• You may use the app only on Apple devices you own or control, under the App Store Usage Rules.

Google Play's terms

If you got the app from Google Play, this agreement is between you and Numerita LLC, not Google. The Google Play Terms of Service also apply.

Governing law

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

Changes

We post updated terms on this page with a new effective date, and note big changes in the app's update notes. Using the app after a change means you accept it.

Contact

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