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Terms of Service

Last updated: June 11, 2026

Template language — to be reviewed by qualified counsel in your operating jurisdiction before relying on it.

1. Agreement

These Terms of Service ("Terms") govern access to and use of the RecovraFlow website, dashboard, APIs, integrations, and related services (the "Service"), operated by [Legal entity name], [registered address] ("RecovraFlow", "we", "us", "our"). By creating an account, clicking "I accept", or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract. The Service is intended for business use. You are responsible for all activity under your account, for keeping credentials secure, and for the acts and omissions of users you invite.

3. The Service

RecovraFlow provides tools to help merchants ingest, draft, and respond to payment disputes and chargebacks, including AI-assisted evidence drafting and direct submission to supported processors (e.g., Stripe, PayPal). We do not guarantee any particular dispute outcome or recovery amount. Dispute outcomes are determined solely by the relevant card networks, issuers, and payment processors.

4. AI-assisted features

Some features use third-party AI models to suggest text or classifications based on data you provide. AI output may be incomplete, inaccurate, or unsuitable. You are responsible for reviewing every AI-generated output before submitting it to a payment processor or card network, and for ensuring it is truthful, complete, and not misleading. You retain full responsibility for the content of every dispute submission made through the Service.

5. Subscriptions, fees, and taxes

Paid plans are billed in advance on a recurring basis (monthly unless stated otherwise) via our payment processor. Fees exclude applicable taxes (VAT, GST, sales tax), which you are responsible for. Fees are non-refundable except as required by law or as stated in our Refund Policy. You may cancel from your billing settings; cancellation takes effect at the end of the current billing period.

6. Acceptable use

You will not, and will not allow any third party to:

7. Card-network and payment-processor compliance

You are solely responsible for complying with the rules of card networks (Visa, Mastercard, American Express, Discover, JCB) and your payment processors (including Stripe's and PayPal's user agreements), including all dispute-response, evidence, and fraud-monitoring requirements (e.g., Visa Compelling Evidence 3.0, Mastercard Dispute Resolution Initiative). Where applicable to your role, you are responsible for PCI DSS compliance. We are a tool that helps you respond — your obligations to the networks and processors remain yours.

8. Your content and data

You retain ownership of data you submit ("Customer Data"). You grant us a limited, non-exclusive, worldwide license to host, transmit, process, and display Customer Data solely to operate, secure, and improve the Service and to provide it to you. You represent that you have all necessary rights, notices, and lawful bases to provide the Customer Data and instruct us to process it. Data-protection terms are set out in our Data Processing Addendum.

9. Third-party services

The Service integrates with third parties (Stripe, PayPal, AI providers, hosting, analytics). Your use of those services is subject to their own terms. We are not responsible for third-party services.

10. Suspension and termination

We may suspend or terminate access for breach of these Terms, suspected fraud or abuse, risk to other users or the Service, or to comply with law. You may stop using the Service at any time. Sections that by their nature should survive termination will survive.

11. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY OF DISPUTE OUTCOME OR RECOVERY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY. WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR DISPUTE RECOVERY. Some jurisdictions do not allow these limits; in those jurisdictions our liability is limited to the smallest amount permitted by law.

13. Indemnification

You will indemnify and hold us harmless from any claim, loss, or expense (including reasonable legal fees) arising out of (a) your Customer Data, (b) your use of the Service in violation of these Terms or applicable law, or (c) your breach of card-network or payment-processor rules.

14. Governing law, venue, and dispute resolution

These Terms are governed by the laws of [State/Country], without regard to conflict-of-laws principles. The parties submit to the exclusive jurisdiction of the courts located in [City, State/Country], except that either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

Optional — US users (insert only if appropriate, with counsel review):Any dispute will be resolved by binding individual arbitration administered by [AAA / JAMS] under its applicable rules; class actions and class arbitrations are waived. You may opt out of arbitration within 30 days of account creation by emailing legal@recovraflow.com.

15. Changes

We may update these Terms from time to time. Material changes will be communicated in-product or by email at least 14 days before they take effect (except changes required by law or for security). Continued use after the effective date constitutes acceptance.

16. Contact

Questions about these Terms: legal@recovraflow.com.