Legal

Terms of Service

These terms govern your use of SCAIL — the credit repair platform operated by Scail Capital LLC. If you run a credit repair business on SCAIL, this is the agreement between us. Read section 6 carefully: it is the one that says what you are responsible for, and it is not boilerplate.

Draft — pending counsel review

Effective October 29, 2026 · Scail Capital LLC · Version 2026-10-13

1Who this agreement is between

SCAIL is operated by Scail Capital LLC, a California limited liability company, 2390 Red Hill Ave, Santa Ana, CA 92705(“SCAIL”, “we”, “us”). These Terms apply to the business that opens a SCAIL workspace (“you”, “Operator”) and to everyone you invite into it.

You are our customer. Your clients are not. The consumers whose credit files you work on are your clients, under a contract between you and them that we are not a party to. We provide software. We do not provide credit repair services to consumers, we do not contract with them, and we do not supervise the disputes you choose to file.

By opening a workspace, clicking to accept, or using SCAIL, you agree to these Terms, the Acceptable Use Policy, the Data Processing Addendum, and the Refund Policy. If you are accepting on behalf of a company, you represent that you can bind it.

2What you get

A workspace on your own subdomain of scailapp.com (or your own domain on the plans that include it), carrying your brand, with the features listed for your plan at the time you subscribe: AI credit-report import, Metro 2 analysis, AI dispute-letter drafting, certified mail dispatch, a client portal, a partner portal, and the AI assistant.

Plans meter active clients and monthly AI volume. Each plan includes a set number of staff seats; each additional staff seat is $50 a month. Clients and referral partners never count as seats. Current limits are published at scailapp.com and are part of this agreement.

What we do not promise. We do not promise that any item will be deleted, that any score will rise, that any dispute will succeed, or that AI output will be accurate. The AI drafts; a human reviews and sends. See section 6.

3Trial, fees and renewal

Every plan starts with a 30-day free trial. Webinar or partner codes may add onboarding services but do not change the trial length. A payment method is collected when you sign up and nothing is charged during the trial. On the first day after the trial ends, the plan you selected begins billing at the published monthly rate unless you cancel first.

Annual plans. If you choose annual billing, you pay for 12 months of service billed as 10 months (the monthly price times 10), in one charge at the start of the year. An annual plan renews automatically for another 12 months, at the then-current annual price, until you cancel. We will email you a reminder between 15 and 45 days before each annual renewal date, with the renewal date and the amount. To stop the renewal, cancel before the renewal date, as described in section 4; you keep access to the end of the year you paid for. Refunds on annual plans are governed by the Refund Policy.

Monthly subscriptions renew monthly until cancelled. Fees are charged in advance, in US dollars, through our payment processor. You authorize us to charge the payment method on file for the subscription, for any AI credit packs you purchase, for Growth Pack fees (a one-time unlock fee, then a per-client fee each time you unlock a client for a growth service, as set out in the Funding Add-on Terms; the Growth Pack has no monthly fee), and for taxes.

Overage and credits. Monthly AI allowances reset each billing period and do not roll over. Purchased AI credits never expire. Certified mail, tradeline placements and similar pass-through items are billed as incurred and are not covered by the subscription.

Price changes. We may change prices with at least 30 days’ notice by email to your account address. The new price applies at your next renewal. If you do not accept it, cancel before that renewal.

Failed payment. If a charge fails we may retry, and may suspend the workspace after notice. Suspension does not delete your data — see section 9.

4Cancelling, suspension and termination

You can cancel online, any time, from Settings → Billing in your workspace. No phone call is required, and you do not have to talk to anyone to cancel. If you cannot sign in, email legal@scailapp.com from your account address and we will cancel it for you. Cancellation takes effect at the end of the paid period; you keep access until then. Refunds are governed by the Refund Policy.

We may suspend or terminate a workspace immediately, with notice where practical, if you breach the Acceptable Use Policy, if payment fails and stays unresolved, if we are required to by law, or if your use creates a genuine security or legal risk to the platform or to other operators.

5Your data, and who owns what

You own your data. Client records, credit reports, letters, documents and everything else you or your clients put into your workspace remain yours. You grant us the limited licence needed to host, process, transmit and back it up so the platform can work, and to send it to the subprocessors listed in the DPA.

We own the platform. SCAIL’s software, models, prompts, letter libraries, templates, designs and marks are ours. Nothing here transfers them. You may not copy, reverse-engineer, resell or white-label the platform except under a written reseller agreement expressly included in the Scale plan.

Aggregated statistics. We may compute de-identified, aggregated statistics about platform usage (for example, average deletion rates across all operators) and use them to improve and describe the product. These never identify you, your clients, or any consumer.

AI. Content you submit is sent to our AI subprocessor to generate output for you. We do not sell your data, and we do not permit it to be used to train third-party foundation models. See the DPA.

6Your compliance obligations — read this one

Credit repair is regulated. SCAIL is a tool; the legal obligations of running a credit repair business sit with you, and you accept them.

You are solely responsible for:

  • Complying with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), including the written contract, the separate written disclosure, the three-day cancellation right, and the prohibition on charging in advance of fully performed services.
  • Complying with the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and every state credit-services statute, registration requirement and surety-bond requirement that applies where your clients live — not only where you do.
  • The truth of every dispute you file. You must have a good-faith basis to believe an item is inaccurate, incomplete or unverifiable before disputing it. Filing disputes you know to be frivolous is a breach of these Terms and of the Acceptable Use Policy.
  • Reviewing AI output before it is sent. Every letter, analysis and message is a draft until a human on your team sends it. You are the sender.
  • Having the authority and consent to submit each consumer’s data to the platform, and honoring their privacy rights.
  • Your own agreements with your clients, your own pricing, refunds and disclosures.

We do not give legal advice. Nothing in the product, the compliance pack, the letter library or any AI output is legal advice, and none of it is a substitute for your own counsel.

7Indemnity

You will defend and indemnify Scail Capital LLC, and hold it harmless, against any third-party claim, demand, regulatory action, fine or loss (including reasonable legal fees) arising out of: your use of the platform; a dispute, letter or communication sent from your workspace; your relationship with your clients; your breach of these Terms or the Acceptable Use Policy; or your violation of any law, including CROA, the FCRA and the TCPA.

8Warranties, and the limit of our liability

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT AI OUTPUT WILL BE ACCURATE OR COMPLETE.

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL OR DATA. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Nothing here limits liability that cannot be limited by law, and these limits do not apply to your indemnity obligations in section 7 or to either party’s breach of confidentiality.

9Data on the way out

You can export your client data at any time while your workspace is active. After cancellation or termination we keep your data for 90 days (the export window) so you can export it or reactivate. After the export window we delete or irreversibly de-identify it in production systems within 90 days, and encrypted backups expire on their normal cycle within a further 90 days. A longer retention applies only where the law or a legal hold requires it. We will confirm deletion in writing on request.

A suspended workspace is not a deleted one. Your clients’ records survive suspension and come back if you resubscribe within the export window.

10Changes to these Terms

We may update these Terms. For material changes we will give at least 30 days’ notice by email to your account address and by notice in the product. Continuing to use SCAIL after the effective date means you accept the change. If you do not, cancel before it takes effect.

11Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to conflict of laws rules, and by the Federal Arbitration Act as to this section.

Informal resolution first. Before starting any proceeding, a party must send the other written notice describing the dispute and the relief sought, and the parties will try in good faith to resolve it for 30 days.

Individual arbitration. Any dispute not resolved informally will be settled by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Orange County, California. Either party may instead bring an individual claim in a small claims court with jurisdiction, and either party may seek temporary or preliminary injunctive relief in the state or federal courts located in Orange County, California, to protect its intellectual property, confidential information or the security of the platform.

CLASS-ACTION WAIVER. EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING.

The full terms are in the dispute resolution section of the SCAIL Platform Services Agreement, which controls if the two differ.

12SMS Terms

By opting in, you agree to receive account notifications from SCAIL (Scail Capital LLC), including account setup confirmations, security alerts, reminders, and support replies. Message frequency varies. Message and data rates may apply. Reply STOP at any time to cancel; you will receive one confirmation message and no further texts. Reply HELP for help or contact info@scailapp.com or (714) 478-7478. Carriers are not liable for delayed or undelivered messages.

13The rest

These Terms, with the policies they incorporate, are the entire agreement between us and replace any prior understanding. If a provision is unenforceable, the rest survives. A failure to enforce a provision is not a waiver of it. You may not assign this agreement without our written consent; we may assign it in connection with a merger, acquisition or sale of assets. Sections 5 through 9 survive termination.

Notices to us: legal@scailapp.com. Notices to you go to your account email address.