Terms and Conditions

Last Updated: January 2025

Agreement to Terms

Welcome to Whatisacoverletter.com ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website and ATS-optimized cover letter generation service (the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

Important: If you do not agree to these Terms, please do not use our Service.

Description of Service

Whatisacoverletter.com provides an automated cover letter generation service that:

Analyzes job descriptions for ATS (Applicant Tracking System) keywords
Generates optimized cover letters with strategic keyword placement
Provides ATS compatibility scoring
Offers temporary document downloads (7-day expiry)

Account Registration

Eligibility

You must be at least 18 years old to use our Service. By creating an account, you represent and warrant that:

You are at least 18 years of age
You have the legal capacity to enter into these Terms
All information you provide is accurate and current

Account Responsibilities

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account, including all purchases made through your account
Notifying us immediately of any unauthorized use of your account or payment method
Ensuring your account information remains accurate and up-to-date
Ensuring that all purchases are authorized by the account holder or authorized user

Unauthorized Use: If you report unauthorized use of your account or payment method, you must do so immediately. We will investigate and may suspend the account during investigation. However, if we determine that the use was authorized or if you fail to report unauthorized use promptly, you remain responsible for all charges and agree that no refunds will be provided.

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activity, including but not limited to:

Initiating fraudulent chargebacks
Using stolen payment methods
Creating multiple accounts to circumvent limits or policies
Any other activity we determine to be fraudulent or abusive

Credits System

Free Tier

We offer a free tier that includes:

3 credits per month
Free credits reset monthly on your signup anniversary date
Credits never expire once purchased

Credit Packs

We offer the following credit packs for purchase:

| Package | Credits | Price | Cost Per Credit | |:--------|:-------:|------:|:---------------:| | Starter Pack | 10 | $7.99 | $0.80/credit | | Pro Pack (Best value) | 30 | $19.99 | $0.67/credit | | Bulk Pack | 100 | $49.99 | $0.50/credit |

Note: All prices are in U.S. dollars. Credits never expire once purchased.

Credit Usage

Credits are consumed as follows:

Job Description Analysis: Free (no credits required)
Cover Letter Generation: 1 credit per generation
Regeneration/Refinement: 1 credit per regeneration

Credit Expiration

Free monthly credits reset on your signup anniversary
Purchased credits never expire
Credits are non-transferable and non-refundable
Credits have no cash value and cannot be exchanged for money
We may, at our sole discretion, offer promotional credit bonuses from time to time, which are subject to the same terms as purchased credits

Payments and Billing

Purchase Acknowledgment

Before completing any purchase, you acknowledge and agree that:

You have read and understood these Terms, including the No Refund Policy
You understand that credits are digital goods delivered immediately upon purchase
You understand that all sales are final and non-refundable
You have reviewed the Service description and understand what you are purchasing
You agree to be bound by these Terms upon completion of purchase
You understand that initiating a chargeback violates these Terms and may result in account termination and legal action

By clicking "Purchase" or completing a transaction, you are providing your electronic signature and agreeing to these Terms.

Payment Processing

All payments are processed securely through Stripe. We do not store or have access to your credit card information. By making a purchase, you agree to Stripe's terms of service and privacy policy.

Pricing

All prices are displayed in U.S. dollars unless otherwise stated. We reserve the right to change prices at any time, but price changes will not affect credits you have already purchased.

No Refund Policy

IMPORTANT - ALL SALES ARE FINAL: Due to the digital, non-tangible, and immediately accessible nature of our Service, ALL PURCHASES ARE FINAL AND NON-REFUNDABLE.

By completing a purchase, you acknowledge and agree that:

No Refunds: We do not provide refunds for any reason, including but not limited to:
- Change of mind or dissatisfaction with the Service
- Unused credits
- Technical issues (we will work to resolve technical issues, but this does not entitle you to a refund)
- Duplicate purchases (contact us and we may provide credit bonuses at our discretion)
- Account termination or suspension
- Failure to use credits before account closure
- Any other reason whatsoever
Digital Goods: Credits are digital goods that are delivered immediately upon purchase. Once credits are added to your account, the transaction is complete and final.
Service Availability: You acknowledge that you have reviewed our Service description, pricing, and Terms before making a purchase. You understand what you are purchasing and agree that the Service is provided as described.
Credit Bonuses: From time to time, at our sole discretion, we may offer credit bonuses, promotional credits, or goodwill gestures. These are provided voluntarily and do not create any obligation or precedent for refunds or future credits. Any such credits are provided "as-is" and may be revoked if we determine they were provided in error or due to fraudulent activity.

Chargebacks and Payment Disputes

STRICT CHARGEBACK POLICY: Initiating a chargeback or payment dispute is a violation of these Terms and constitutes fraud if the Service was delivered as described.

By making a purchase, you agree that:

No Chargebacks: You will not initiate a chargeback, payment dispute, or reversal for any transaction unless the charge was unauthorized or fraudulent (and you will first contact us to resolve the issue).
Chargeback Consequences: If you initiate a chargeback or payment dispute, we reserve the right to:
- Immediately suspend or permanently terminate your account
- Revoke all credits in your account (including credits from other purchases)
- Blacklist your email address, IP address, and payment method from future use
- Pursue all available legal remedies to recover the disputed amount plus associated fees
- Report the chargeback to credit bureaus and fraud prevention services
- Pursue collection of any outstanding amounts, including legal fees and collection costs
Chargeback Fees: You acknowledge that chargebacks result in significant fees and damages to us. You agree to reimburse us for all chargeback fees, dispute fees, legal fees, and other costs associated with any chargeback you initiate.
Dispute Resolution First: Before initiating any chargeback, you agree to contact us first at [email protected] to attempt to resolve any issues. We will work in good faith to resolve legitimate concerns, but resolution does not include refunds.
Evidence: You acknowledge that we maintain records of all transactions, account activity, and Service delivery. In the event of a chargeback, we will provide evidence of Service delivery and your acceptance of these Terms to the payment processor.

Use of Service

Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

Use the Service for any illegal or unauthorized purpose
Violate any laws in your jurisdiction
Infringe upon the intellectual property rights of others
Upload malicious code, viruses, or harmful content
Attempt to gain unauthorized access to our systems
Use automated systems to access the Service without permission
Reverse engineer, decompile, or disassemble any part of the Service
Resell or redistribute generated content for commercial purposes without authorization
Use generated cover letters in a manner that violates any third-party rights

Generated Content

You retain ownership of the cover letters generated through our Service. However, you agree that:

Generated content is for your personal use in job applications
You are responsible for reviewing and editing generated content before use
We are not liable for the accuracy, completeness, or effectiveness of generated content
You will not hold us responsible for job application outcomes

Content Accuracy

While we strive to provide accurate and helpful cover letter generation, we make no guarantees about:

The accuracy of keyword extraction
The effectiveness of generated cover letters
ATS compatibility scores
Job application success rates

You are solely responsible for reviewing, editing, and customizing generated content before use.

Intellectual Property

Our Rights

The Service, including all software, designs, text, graphics, and other content, is owned by Whatisacoverletter.com and protected by copyright, trademark, and other intellectual property laws.

Your Rights

You retain ownership of the cover letters you generate. You grant us a limited, non-exclusive license to use anonymized data for service improvement and analytics purposes.

Document Storage and Expiry

Temporary Storage

Generated cover letters are stored temporarily for 7 days from the date of generation. After 7 days, documents are automatically deleted from our servers.

Download Responsibility

Important: You are responsible for downloading and saving your generated cover letters before the 7-day expiry period. We are not responsible for lost documents after the expiry period.

Disclaimers and Limitations of Liability

Service Availability

We strive to provide reliable service but do not guarantee:

Uninterrupted or error-free operation
Immediate availability of all features
Compatibility with all devices or browsers

No Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES

LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES

JOB APPLICATION OUTCOMES OR CAREER-RELATED DAMAGES

ANY DAMAGES EXCEEDING THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM

DAMAGES ARISING FROM CHARGEBACKS, PAYMENT DISPUTES, OR FRAUDULENT TRANSACTIONS INITIATED BY YOU

LOSS OF CREDITS, ACCOUNT ACCESS, OR SERVICE ACCESS DUE TO TERMINATION OR SUSPENSION

Chargeback Liability: If you initiate a chargeback or payment dispute, you agree that we are not liable for any damages you may claim, and you agree to indemnify us for all costs, fees, and damages associated with the chargeback, including but not limited to chargeback fees, dispute fees, legal fees, collection costs, and lost revenue.

Jurisdiction-Specific Rights

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Whatisacoverletter.com, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Content you generate or submit through the Service

Termination

By You

You may terminate your account at any time by contacting us or using account deletion features (if available).

By Us

We reserve the right to suspend or terminate your account immediately, without notice, if you:

Violate these Terms
Engage in fraudulent, abusive, or illegal activity
Fail to pay required fees
Otherwise misuse the Service

Upon termination:

Your right to use the Service immediately ceases
We may delete your account and associated data
Any unused credits are forfeited and have no cash value
You are not entitled to any refund, credit, or compensation for unused credits
You remain bound by these Terms regarding chargebacks, disputes, and indemnification

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

Posting the updated Terms on this page
Updating the "Last Updated" date
Sending an email notification (if you have provided your email address)

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service.

Modifications to Service

We reserve the right to:

Modify, suspend, or discontinue any part of the Service at any time
Change pricing, features, or credit costs with reasonable notice
Implement new features or remove existing features

Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Dispute Process

If you have a dispute with us, you agree to:

First Contact: First contact us directly at [email protected] to attempt to resolve the dispute in good faith
30-Day Resolution Period: Provide us with 30 days to respond and attempt to resolve the dispute before taking any further action, including but not limited to initiating chargebacks, filing complaints, or taking legal action
No Chargebacks During Resolution: You agree not to initiate any chargeback or payment dispute while we are working to resolve your concern
Good Faith Cooperation: You agree to cooperate in good faith and provide all necessary information to help resolve the dispute

Dispute Resolution Does Not Include Refunds: Even if we resolve a dispute in your favor, resolution may include credit bonuses, Service credits, or other remedies at our sole discretion, but does not include monetary refunds unless required by applicable law.

Waiver of Class Action and Jury Trial

To the maximum extent permitted by law, you agree that:

Class Action Waiver: You waive any right to participate in a class action lawsuit or class-wide arbitration against us
Jury Trial Waiver: You waive any right to a jury trial in any dispute arising from or relating to these Terms or the Service
Individual Claims Only: Any claims must be brought individually, not as part of a class or representative proceeding

Severability

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

Statute of Limitations

Any claim or cause of action arising out of or related to these Terms or the Service must be filed within one (1) year after such claim or cause of action arose, or be forever barred. This limitation applies regardless of any statute or law to the contrary.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Whatisacoverletter.com regarding the Service and supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written, relating to the subject matter hereof.

No Oral Modifications: These Terms may not be modified orally. Any modification must be in writing and posted on this page. Your continued use of the Service after modifications constitutes acceptance of the modified Terms.

Contact Information

If you have questions about these Terms, please contact us:

Email: [email protected]
Contact Form: Visit our contact page

For privacy-related inquiries: