Terms of Service

2. Eligibility

The service is for businesses only. You must be at least 18 years old and authorized to bind the business you represent. You confirm that you use the service for trade, business or professional purposes and not as a consumer.

3. Accounts and seats

You create an account with an email address and password, and confirm the address with a one time code. Each account belongs to a workspace, which is the unit of billing. The workspace owner may invite team members up to the number of seats in the plan and assign roles. You are responsible for all activity in your workspace, for keeping credentials confidential and for removing access when a team member leaves. Tell us at once at support@nochargeback.com if you suspect unauthorized access.

4. The service

NoChargeback provides the following features, within the limits of your plan.

• Alerts about disputes, inquiries, early fraud warnings and, on plans that include them, network alerts.
• Evidence packs for disputes, including drafted rebuttal letters.
• Submission of evidence to your processor, manually or automatically before the due date on plans that include it.
• A chargeback ratio monitor with threshold alerts.
• Prevention rule recommendations and, on plans that include them, rules you configure for your own account.
• Analytics on disputes, outcomes and reason codes.

We may improve and change features over time. We will not materially reduce the core features of your paid plan during a paid period.

5. No guarantee of dispute outcomes

Card issuers and networks decide disputes. We build evidence and submit it on your behalf, and we show an estimated win chance, but we do not guarantee that any dispute will be won, that any chargeback will be prevented or that your chargeback ratio will stay under any threshold. Your processor or acquirer may take action on your account under its own rules regardless of the service.

6. Your responsibilities

• Evidence you submit through the service must be accurate and truthful. Review drafted letters before submission or before enabling automatic submission.
• You must have a lawful basis to share your customers' personal data with us and must inform your customers as required by law.
• You must comply with the rules of the card networks, your processors and acquirers, and with applicable law, including consumer protection and privacy law.
• You are responsible for the configuration of your processor accounts and for decisions to accept, refund or contest a dispute.

7. Permissions and processor connections

You connect processors by OAuth or by a restricted API key that you create. The permissions we request cover reading payment data and writing dispute evidence. We never create charges, refunds, payouts or transfers. Prevention rules that refund or decline alerts are off by default; when you enable them, they act under your own configuration and responsibility, within the amounts and conditions you set. You can disconnect any account at any time, which ends our access to it.

8. Plans and limits

Plans, prices and limits are shown on the pricing page. Limits on disputes handled and alerts ingested are monthly consumption counted per billing period. Deleting a dispute, alert or evidence pack does not restore the limit. Limits reset at the start of each billing period. Limits on connected accounts and seats apply to the number in use at the same time.

We show an upgrade prompt when you reach 80 percent of any limit. At 100 percent of the dispute limit, new evidence packs pause until the next billing period or an upgrade, while alerts keep arriving so that you never miss a deadline notice.

9. Billing

• The service is sold as a subscription, billed monthly or annually. Annual plans are billed upfront for the full year.
• Prices are in US dollars and exclude taxes. Applicable taxes such as VAT or sales tax are added where required.
• Payments are made by card through our payment processor, with 3D Secure authentication.
• Subscriptions renew automatically at the end of each period until canceled.
• When you upgrade to a higher plan or from monthly to annual billing, we charge the prorated difference immediately. The new plan starts once that payment succeeds. If the payment fails, you stay on your current plan.
• When you downgrade, the change takes effect at the start of the next billing period, without a refund for the current period.
• One workspace holds one subscription. Plan changes are made in the billing page.
• If a renewal payment fails, we retry and notify you. We may suspend paid features if payment remains unpaid.
• We may change prices for future periods with at least 30 days notice by email. The new price applies from your next renewal after the notice.

10. Cancellation

You can cancel at any time in the billing page. Your access continues until the end of the paid period, and the subscription does not renew. We do not refund partial periods, except where the law requires a refund.

11. The one time demo

The demo lets you preview a draft for one dispute without a plan. Without an account it shows a partial preview. After you create an account, the full letter for that one demo dispute unlocks once, and its PDF carries a watermark. Demo output is a preview and is not a submittable evidence pack. Demo uploads are deleted after 24 hours. The demo is limited per person, per device and per day, and is not a plan.

12. Acceptable use

You must not use the service to submit false or forged evidence, to process data you have no right to process, to break network or processor rules, to probe or attack the service, to access data of other workspaces, to resell the service without our written consent by email, or to build a competing product from it. You must not circumvent usage limits.

13. Third party networks and processors

The service works with card networks, alert programs and processors such as Visa, Mastercard, Ethoca, Verifi, Stripe, Shopify, PayPal, Braintree, Checkout.com, Adyen and Authorize.net. Each has its own terms, rules and availability, which apply to you directly. We are not responsible for their decisions, outages or changes to their programs, and network alert programs may require enrollment through their rules.

14. Intellectual property

We own the service, its software, design and content. You receive a limited, non exclusive, non transferable right to use the service for your business during your subscription. You own your data and the evidence you submit. You grant us the right to process your data only to provide the service. If you send us feedback, we may use it without obligation.

15. Confidentiality

Each party keeps the other's confidential information private and uses it only to perform these terms. This does not apply to information that is public, already known, independently developed or required to be disclosed by law.

16. Data protection

Our Privacy Policy explains how we process personal data. For your customers' data, you are the controller and we act as your processor. A data processing agreement is available on request by email to support@nochargeback.com and forms part of these terms once provided.

17. Disclaimers

Except as stated in these terms, the service is provided as is and as available. To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose and non infringement. Drafted letters and recommendations are tools to help you and do not replace your own review or legal advice. Enterprise plans include a 99.9 percent uptime SLA described in the Enterprise service terms sent by email.

18. Limitation of liability

To the extent permitted by law, neither party is liable for indirect, incidental, special or consequential damages, or for lost profits, revenue or data, and our total liability under these terms is limited to the fees you paid us in the 12 months before the event giving rise to the claim. These limits do not apply where the law does not allow them, such as liability for intent or gross negligence.

19. Indemnity

You will defend and indemnify us against third party claims arising from evidence or data you provide, your violation of network or processor rules, or your breach of these terms.

20. Suspension and termination

We may suspend or terminate your access if you materially breach these terms, fail to pay, or use the service in a way that harms others, after notice where reasonable. You may stop using the service and close your account at any time. After termination, sections that by their nature should survive remain in force, and your data is deleted as described in the Privacy Policy.

21. Changes to these terms

We may update these terms. We post the new version on this page with a new date and notify account owners by email at least 30 days before material changes take effect. Continued use after that date means you accept the new terms.

22. Governing law and disputes

These terms are governed by the laws of the country where the operator is registered, without prejudice to mandatory consumer or local law that cannot be excluded. Disputes are decided by the courts of the place of the operator's registered office.

23. Notices

We send notices to the email address of the workspace owner. You send notices to support@nochargeback.com. Notices by email are effective when sent.

24. General

These terms, the Privacy Policy and any data processing agreement are the whole agreement between us. If a provision is invalid, the rest remains in force. You may not assign these terms without our consent; we may assign them in a merger or sale of the business. Failure to enforce a right is not a waiver.

Last updated October 8, 2026.