Terms of Service

1. Who we are

Chargeback Reply is operated by an individual entrepreneur (auto-entrepreneur) based in France. Contact: contact@chargebackreply.com.

The site is hosted by Netlify, Inc., 512 2nd Street, Suite 200, San Francisco, CA 94107, USA.

2. What the service is — and is not

Chargeback Reply helps a merchant assemble a response to a payment dispute (chargeback): it matches the reason code to the evidence that typically wins it, estimates a score based on the evidence supplied, drafts a rebuttal letter from the facts you enter, and assembles that letter and your own files into a single PDF.

The service does NOT:

— give legal advice. Nothing here is a legal opinion, and we are not your lawyer or your representative. — guarantee any outcome. The decision on a dispute belongs solely to the cardholder's issuing bank, applying card-network rules. No provider can promise a win, and we do not. — submit anything on your behalf. You download the package and file it yourself, through Shopify or your payment provider, before your own deadline. — verify your evidence. We never inspect the contents of the files you attach; we organise them.

The score shown is an indicative estimate built from published card-network evidence standards. It is not a probability, not a prediction, and not a commitment.

3. Your account

Generating a letter requires a free account, created by signing in with Google. You are responsible for keeping access to that account secure and for everything done through it.

You must be acting in a professional capacity — this service is for merchants, not consumers. You must be at least 18 and legally able to enter into a contract.

4. Subscription and price

Downloading the finished PDF package requires an active subscription of $29.99 per month, taxes included where applicable. VAT is applied according to your country and status, and is shown before you pay.

The subscription renews automatically each month until you cancel. The price may change for future periods; we will tell you at least 30 days beforehand, and you may cancel before the change takes effect.

5. Payment

Payments are processed by Stripe. We never receive or store your card number. If a payment fails, access to paid features may be suspended until it succeeds.

6. Cancelling

You can cancel at any time, yourself, from your account. Cancellation takes effect at the end of the period already paid for: you keep access until then, and you are not charged again.

We do not refund a period already started, except where the law requires it.

7. Right of withdrawal

The 14-day right of withdrawal under EU consumer law applies to consumers. This service is provided to merchants acting in a professional capacity, so it does not normally apply to you.

If you nevertheless qualify as a consumer: by subscribing and immediately using the service, you expressly request that performance begin at once and you acknowledge losing your right of withdrawal once the service has been fully performed.

8. Your responsibilities

You are responsible for the accuracy of everything you enter. The letter argues only from the facts you supply — if a fact is wrong, the letter will be wrong, and a bank that finds one false statement may dismiss the entire response.

You confirm that you have the right to use the documents and screenshots you attach, and that they concern your own transaction.

You must not use the service to make claims you know to be false, to process someone else's dispute without authority, or for any unlawful purpose.

9. Availability

We aim to keep the service available but do not guarantee uninterrupted access. Maintenance, third-party failures and incidents can interrupt it. Deadlines in a dispute are short: do not leave your submission to the last hour, and keep a copy of anything you rely on.

10. Liability

To the extent permitted by law, our liability towards you is limited to the amount you paid us over the twelve months preceding the event.

We are not liable for a dispute you lose, for a deadline you miss, or for a decision taken by a bank or a card network. Nothing in these terms excludes liability that cannot lawfully be excluded.

11. Intellectual property

The site, its texts and its software remain ours. The letter and PDF generated from your case are yours: you may use, modify and submit them freely, including after your subscription ends.

12. Suspension and termination

We may suspend or close an account that breaches these terms, in particular any fraudulent use. You may close your account at any time; see the Privacy Policy for what happens to your data.

13. Changes

We may amend these terms. Substantive changes are announced at least 30 days in advance for existing subscribers. Continuing to use the service after that date means you accept the new version.

14. Governing law

These terms are governed by the law of France. Any dispute falls under the courts of France, subject to any mandatory rule that provides otherwise.