Terms and Conditions

1. Acceptance of Terms

By accessing or using ChargeGuard's automated chargeback defense service ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and ChargeGuard ("we," "us," or "our").

2. Service Description

ChargeGuard provides automated chargeback dispute management services, including:

• Real-time chargeback monitoring
• Automated evidence collection
• Dispute submission to payment processors
• Analytics and reporting

Important: ChargeGuard is a technology tool that assists with dispute management. We do not guarantee specific outcomes or win rates. Final dispute decisions are made by payment processors and card networks.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use this Service. You represent that all information you provide is accurate and current. You must be operating a legitimate business and comply with all applicable laws.

4. Account Registration

• You must create an account to use the Service
• You are responsible for maintaining account security
• You must not share your account credentials
• You must notify us immediately of unauthorized access
• You are responsible for all activity under your account
• One account per business entity

5. Subscription Plans and Pricing

5.1 Plans

• Free Plan: Up to 5 chargebacks/month, basic features
• Pro Plan: €99/month, unlimited chargebacks + 15% success fee
• Enterprise Plan: €299/month, all features + API access

5.2 Billing

• Subscription fees are billed monthly in advance
• Success fees (15% of recovered amounts) are charged when disputes are won
• All fees are in Euros (EUR) unless otherwise stated
• Prices are subject to change with 30 days notice
• Failed payments may result in service suspension

5.3 Taxes

You are responsible for all applicable taxes (VAT, sales tax, etc.). Prices do not include taxes unless explicitly stated.

6. Payment Terms

• Payment is due immediately upon subscription
• We accept major credit cards and bank transfers
• You authorize us to charge your payment method
• We use third-party payment processors (Stripe)
• Payment information must be kept current
• Disputed charges must be reported within 30 days

7. Refund Policy

See our separate Refund Policy for detailed information. Summary:

• Subscription fees: Prorated refunds within 7 days of initial purchase
• Success fees: Non-refundable once dispute is won
• No refunds for service used before cancellation

8. User Obligations

You agree to:

• Provide accurate business and transaction information
• Connect legitimate payment processor accounts
• Comply with all applicable laws and regulations
• Not use the Service for illegal or fraudulent purposes
• Not submit false or misleading dispute evidence
• Not abuse or manipulate the Service
• Maintain adequate documentation for all transactions
• Respond promptly to our requests for information

9. Prohibited Uses

You may NOT:

• Use the Service to defend illegitimate or fraudulent transactions
• Reverse engineer, decompile, or disassemble the Service
• Attempt to gain unauthorized access to systems
• Use automated tools to scrape or extract data
• Resell or sublicense the Service without permission
• Interfere with or disrupt the Service
• Violate any laws or third-party rights
• Submit false information or engage in identity theft

10. Integration with Payment Processors

To use our Service, you must connect your Stripe and/or PayPal accounts. You authorize us to:

• Access transaction and chargeback data
• Submit dispute evidence on your behalf
• Act as your authorized representative

You remain responsible for compliance with payment processor terms. We are not liable for actions taken by payment processors.

11. Intellectual Property

ChargeGuard and all related marks, logos, and content are owned by us or our licensors. You may not use our intellectual property without written permission.

You retain ownership of your data. By using the Service, you grant us a license to use your data solely to provide the Service.

12. Data and Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Service Availability

• We strive for 99.9% uptime but do not guarantee uninterrupted service
• Scheduled maintenance will be announced in advance when possible
• We are not liable for service interruptions or downtime
• We may modify or discontinue features with notice

14. Disclaimers and Limitations of Liability

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim, or €100, whichever is greater.

15. Indemnification

You agree to indemnify, defend, and hold harmless ChargeGuard and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any rights of another party, or (d) fraudulent or illegal activity.

16. Termination

16.1 By You

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period.

16.2 By Us

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent activity
• Fail to pay fees
• Pose a security or legal risk

16.3 Effect of Termination

Upon termination, your access will cease immediately. We will retain data as required by law or our retention policies. Provisions that by nature should survive (payment obligations, disclaimers, limitations of liability) will continue.

17. Dispute Resolution

17.1 Informal Resolution

Before filing a claim, you agree to contact us at legal@automate247.space to attempt to resolve the dispute informally for at least 30 days.

17.2 Arbitration

If informal resolution fails, disputes will be resolved by binding arbitration under the rules of the European Arbitration Chamber, rather than in court. You waive your right to a jury trial.

17.3 Class Action Waiver

You agree to resolve disputes on an individual basis only, not as part of a class action or consolidated proceeding.

18. Governing Law

These Terms are governed by the laws of the European Union and the jurisdiction where ChargeGuard is incorporated, without regard to conflict of law principles. Any disputes will be subject to the exclusive jurisdiction of courts in that location.

19. Changes to Terms

We may modify these Terms at any time. Material changes will be notified via email or prominent notice in the Service. Continued use after changes constitutes acceptance. If you do not agree, you must stop using the Service.

20. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and ChargeGuard
• Severability: If any provision is found invalid, the rest remains in effect
• Waiver: Failure to enforce any right does not constitute a waiver
• Assignment: You may not assign these Terms; we may assign without restriction
• Force Majeure: We are not liable for delays due to circumstances beyond our control
• Language: English version controls in case of translations

21. Contact Information