Last updated: April 22, 2026
These Terms of Service (“Terms”) govern your use of the Answered mobile application (“Answered,” “the app,” “we,” “us,” or “our”). Answered is operated by John DiSalle, a Wisconsin resident doing business as Answered. By downloading, installing, or using the app, you agree to these Terms.
If you do not agree to these Terms, do not use the app.
Answered is an educational and document-preparation tool for people who have been sued by a debt collector or debt buyer in state court. The app currently covers cases filed in Wisconsin, Illinois, New York, Florida, Ohio, Texas, Minnesota, and Pennsylvania. The app helps you:
In states where paper filing is accepted (currently Wisconsin, Texas, Pennsylvania, and Ohio), Answered also offers an optional Mail Filing Service – a non-legal, clerical print-and-mail service described in Section 5 below.
Answered is not a law firm. The information and documents the app provides are educational and general in nature, generated by automated systems including artificial intelligence. They are not legal advice, have not been prepared for your specific case, and are not a substitute for the advice of a licensed attorney who has reviewed your specific facts.
If you are unsure about any aspect of your case, consult a licensed attorney in the state where your case was filed before taking action.
You must be at least 18 years old and a resident of a state the app currently covers (Wisconsin, Illinois, New York, Florida, Ohio, Texas, Minnesota, or Pennsylvania) to use Answered for a case filed in that state. You may only use the app for your own legal matter. You may not use the app on behalf of anyone else, and you may not use it to provide legal services to any third party.
Answered creates an anonymous account for you when you first open the app. Your data is tied to that account and persists on your device and on our servers until you delete the app or request account deletion. You are responsible for the device you use to access the app.
The app is free to download and free to scan and review your case. Two paid offerings are available through the Apple App Store:
Apple processes all payments. We do not see or store your payment details.
Refunds for Answered Pro are handled through Apple’s standard refund process. To request a refund, visit reportaproblem.apple.com. If the unlocked playbook does not work as described, you are encouraged to request a refund through that process.
Refunds for the Mail Filing Service are described in Section 5 below.
When available in your state, you may purchase the Mail Filing Service to have Answered print a generated Answer and physically mail it, via USPS Certified Mail with Return Receipt Requested, to (a) the clerk of the court where your case is pending and (b) the plaintiff’s attorney of record. This section governs that service.
The Mail Filing Service is a clerical print-and-mail service only. Answered is not filing the document as your attorney, does not review your document for legal correctness, and does not represent you in any capacity. You – not Answered – are the pro se filer and the signer of the document. Nothing about this service creates an attorney-client relationship. Sections 1, 7, and 8 of these Terms continue to apply in full.
By purchasing the Mail Filing Service for a specific case, you:
You, not Answered, are the pro se filer. Answered acts only as your mailing agent, similar to a print shop or courier.
Answered will refund the full $39.99 Mail Filing Service fee if:
Refunds are issued through Apple’s refund process. Answered does not refund the Mail Filing Service fee on the basis of the legal merits of your Answer, a court ruling in your case, or your disagreement with the content of the document you generated and approved before purchase.
The Mail Filing Service fee is the full extent of Answered’s liability for any claim arising from this service, whether framed as breach of contract, negligence, or otherwise. This is a specific, bargained-for limitation of liability that supplements the general limitation in Section 10.
The Mail Filing Service is currently offered only for cases filed in Wisconsin, Texas, Pennsylvania, and Ohio. These are the states where paper filing at the court level is generally accepted for consumer debt matters. If your state requires electronic filing, Answered does not file for you; you must file your Answer yourself through the applicable electronic filing portal.
Availability in other states, and availability for any particular court within a covered state, may change without notice. Answered reserves the right to refuse or cancel any order for any lawful reason.
By using the Mail Filing Service, you understand and authorize Answered to physically transmit your Answer document to third parties – specifically, the clerk of the court and the plaintiff’s attorney. This disclosure is the entire purpose of the service. See our Privacy Policy for more detail on this sharing.
Answered currently caps the Mail Filing Service at 30 paid orders per calendar day to ensure quality. If this cap is reached on a given day, the wizard will decline new orders until the next day; you will not be charged.
You retain ownership of everything you upload to the app — photos of your court papers, case data, notes, and anything else (“Your Content”). By uploading Your Content, you grant us a limited license to store and process it solely so we can provide the app’s features to you. We do not claim ownership of Your Content.
We do not sell, share, or license Your Content to any third party. We do not use Your Content to train artificial intelligence models. See our Privacy Policy for details on how we handle your data.
Answered is not a law firm, and we are not your lawyers. Using Answered does not create an attorney-client relationship between you and Answered, its operator, its employees, its contractors, its reviewing attorneys, or any person or entity associated with Answered.
Answered is a self-help legal-information technology platform. The documents, playbooks, deadlines, case analyses, chat responses, and any other output generated by the app are produced by automated systems — including artificial intelligence — and are templates and educational information only.
No communication between you and Answered — whether through the app, email, support channels, or any other medium — is protected by attorney-client privilege or the attorney work-product doctrine. You should not share anything with Answered that you would not be comfortable having a court or opposing party read.
When this app or its documentation refers to an attorney having “reviewed” templates, scanner logic, or other parts of the product, that review is a limited-scope quality-control review of the product’s underlying materials. Those reviewing attorneys do not represent you, do not enter into any attorney-client relationship with you by reason of their product review, and have not reviewed your specific case.
If you need legal advice, you must retain a licensed attorney in your jurisdiction.
Answered is a self-help publisher. We publish templates, educational information, and automated tools that you — acting pro se — choose to use, customize, sign, and file in your own name. You, not Answered, are responsible for every document you sign and every filing you make. You are responsible for reviewing every document for accuracy, for verifying every citation against current law, for confirming every deadline with the clerk of your court, and for deciding whether to retain an attorney.
Answered does not render legal services, does not practice law, and does not hold itself out as competent to represent anyone. Accordingly, any claim sounding in legal malpractice — whether framed as negligence, breach of fiduciary duty, breach of contract to provide legal services, or otherwise arising from a theory that Answered owed you the duties of a lawyer — is precluded, because no attorney-client relationship and no legal-services relationship exists between you and Answered.
You acknowledge that:
You agree not to:
We reserve the right to suspend or terminate access to the app if you violate these Terms.
The app is provided “as is.” We make no warranties, express or implied, about the app’s accuracy, completeness, reliability, or fitness for any particular purpose.
AI-generated content. Documents and analyses generated by the app are created using artificial intelligence. While the templates and legal frameworks have been reviewed by licensed attorneys in each covered state for product-quality purposes (see Section 7), AI systems can produce errors, omit relevant authority, cite outdated law, or misread your specific documents. You must review every word of every generated document before filing. Answered is not liable for errors in AI-generated content.
We are not responsible for the outcome of your case. Your legal case depends on facts, timing, judicial discretion, and many other variables beyond any app’s control. Using Answered does not guarantee any particular result, and we expressly disclaim responsibility for:
Limit on damages. To the fullest extent permitted by Wisconsin law, our total liability to you for any claim arising out of these Terms or your use of the app is limited to the amount you paid us in the twelve months before the claim arose. In no event will we be liable for indirect, consequential, incidental, special, or punitive damages.
These Terms are governed by the laws of the State of Wisconsin, without regard to its conflict-of-laws rules.
Any dispute arising out of or related to these Terms or your use of the app will be resolved in the state or federal courts located in Eau Claire County, Wisconsin, and you consent to the personal jurisdiction of those courts.
We may update these Terms from time to time. If we make material changes, we will notify you by updating the “Last updated” date at the top of this page and, where appropriate, through a notice in the app. Your continued use of the app after changes take effect means you accept the updated Terms.
For questions about these Terms, email support@ellasid.com.
John DiSalle, doing business as Answered Eau Claire, Wisconsin