Terms of Service

Your access to and use of the Site is conditioned on Your compliance with all applicable international, national, and local laws and regulations. Unless We expressly permit otherwise, You may download materials shown on the Site only for Your own internal business use. You may not distribute, modify, copy, publish, display, sell, license, transmit, use, reuse, or create derivative works from any content or materials on the Site for any commercial purpose without the Company's prior written consent.

Your use of the Site and its content is further conditioned on You not engaging in any of the following in connection with the Site: (1) any activity that breaks any applicable local, national, or international law, statute, or regulation, including violations of card network rules and consumer protection laws; (2) any activity that infringes another party's patent, trademark, trade secret, trade dress, copyright, or other proprietary right; (3) any conduct that is threatening, abusive, harassing, defamatory, obscene, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, or otherwise in breach of the Company's rules or policies; (4) introducing any harmful code, including viruses, Trojan horses, worms, time bombs, cancel bots, spyware, or any other software or technology intended to disrupt, damage, intercept, or gain unauthorized access to information, systems, data, or equipment, or to limit their functioning; or (5) offering or distributing fraudulent goods, services, schemes, or promotions, or engaging in any unfair or deceptive act or practice. This list gives examples of unacceptable conduct and is not exhaustive.

The Company may provide You with basic business and technical support relating to the Site and the Company's products and Services through the support channels and documentation that We make available on the Site. The Company is not obligated to provide support.

The content displayed on and used within the Site, including deflectdispute.com, is the exclusive property of the Company or its licensors and is protected by copyright, trademark, and other intellectual property laws. In addition to its rights in the individual elements of that content, the Company holds trademark, trade dress, copyright, and/or patent rights in the selection, arrangement, coordination, and enhancement of that content. Certain products, features, and technologies offered through the Site may be protected by patents or other intellectual property rights in the United Kingdom and other jurisdictions.

Subject to these Terms, the Company (or its affiliates, as applicable) grants You a limited, worldwide, royalty-free, non-exclusive, non-transferable, non-sublicensable, and revocable license to use the Site and the Company's products and Services solely (i) as needed to use them, (ii) for Your business purposes, and (iii) in compliance with applicable law and these Terms. The Company's products and Services are licensed to You, not sold. These Terms govern all updates, upgrades, new versions, and replacements, unless an update comes with its own separate license, in which case that license applies.

Except where applicable law does not allow such a restriction, You may not (and may not let others) decompile, reverse engineer, disassemble, attempt to derive the source code of, decrypt, tamper with, translate, modify, or create derivative works from all or any part of the Site or any of the Company's products and Services. You agree not to remove, obscure, or alter any proprietary notices (including trademark and copyright notices) on or within the Site or the Company's products and Services.

You may not rent, lease, lend, sell, share, redistribute, or sublicense the Site or the Company's products and Services, or enable anyone else to do so, except where expressly permitted by these Terms or otherwise authorized by the Company in writing. You acknowledge that the Services rely on proprietary algorithms, machine learning models, data-processing methods, and other intellectual property that the Company has developed through significant investment of time, effort, and resources. You will not attempt to identify, extract, reverse engineer, or reproduce any proprietary technology, trade secret, or confidential method embodied in the Services.

You may copy content from the Site for Your internal business use only, provided each copy keeps any copyright, trademark, or service mark notice or attribution as it appears on the copied page. Except as stated in the preceding sentence, no content may be copied, displayed, distributed, downloaded, licensed, sublicensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the Company's prior written permission. To request permission, contact the Company at [email protected].

The Company processes any information relating to an identified or identifiable natural person, including information covered by applicable data protection laws such as the UK General Data Protection Regulation and the Data Protection Act 2018 (together, the "UK GDPR") and, where applicable, the EU General Data Protection Regulation 2016/679 ("Personal Data"), in line with those laws and any other applicable privacy laws. Our Privacy Policy explains how We collect, use, and safeguard Personal Data. By using the Services, You confirm that You have read and understood our Privacy Policy.

Where You provide the Company with Personal Data belonging to Your customers or other third parties, You represent and warrant that You have obtained all consents and authorizations needed to share that data with the Company and to allow the Company to process it under these Terms and the Privacy Policy. You agree to indemnify and hold the Company harmless from any claims arising out of Your failure to obtain those consents or authorizations.

The Site may contain links to third-party websites. These sites are not controlled by the Company, and We are not responsible for their content or policies. We provide such links only as a convenience, and a link does not imply that We endorse, sponsor, or are affiliated with the linked site. Links to merchants or advertisers are operated by independent providers, so We cannot guarantee that You will be satisfied with their products, services, or practices. You should carry out whatever investigation You consider appropriate before entering into any transaction with these third parties.

The information and services offered or referenced on the Site are provided "as is" and "as available". The Company does not represent or warrant that the Site will be available, accessible, uninterrupted, timely, secure, accurate, complete, fully error-free, or free of viruses, nor does it warrant the results that may be obtained from using the Site or the accuracy or reliability of any content, information, or products obtained through it, or that any defects will be corrected. You acknowledge that the Site and Services are largely computer-network-based and may be subject to outages, interruptions, third-party attacks, and delays. You use the Site at Your own risk, and the Company accepts no liability for any errors or omissions in the content on the Site.

To the fullest extent permitted by applicable law, the Site, the platform, dashboards, analytics, financial tools, and all related content, data, and Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Company makes no representations or warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, completeness, timeliness, quiet enjoyment, availability, or non-infringement.

Any AI-powered features, machine learning algorithms, or automated decision-making tools provided as part of the Services are offered without any guarantee of accuracy, reliability, or particular outcomes. The Company does not warrant that AI-generated evidence, recommendations, or decisions will lead to successful dispute resolution. You acknowledge that AI models may contain errors, biases, or limitations, and You assume all risk associated with relying on AI-generated outputs.

The Company makes no warranties about any third-party services, platforms, networks, or providers that interact with or are integrated into the Services, including payment processors, card networks, e-commerce platforms, and data providers.

No information, analysis, or output provided through the Site constitutes financial, investment, legal, accounting, or tax advice, and You are solely responsible for assessing the accuracy and usefulness of any information You obtain through the Site.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMPANY OR THROUGH THE SERVICES CREATES ANY WARRANTY THAT IS NOT EXPRESSLY STATED IN THESE TERMS.

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO: (A) LOST PROFITS, LOST REVENUE, OR LOST BUSINESS OPPORTUNITIES; (B) LOST DATA OR THE COST OF OBTAINING SUBSTITUTE GOODS OR SERVICES; (C) BUSINESS INTERRUPTION OR WORK STOPPAGE; (D) LOSS OF GOODWILL OR REPUTATION; (E) COMPUTER FAILURE OR MALFUNCTION; (F) CHARGEBACKS THAT ARE NOT RECOVERED OR DISPUTED; (G) FEES, FINES, PENALTIES, OR OTHER ASSESSMENTS IMPOSED BY CARD NETWORKS, PAYMENT PROCESSORS, OR REGULATORY AUTHORITIES; OR (H) ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE TOTAL FEES PAID BY YOU TO THE COMPANY DURING THE SIX (6) MONTH PERIOD IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE LIABILITY.

Without limiting the above, the Company will not be liable for: (a) any chargebacks that occur because of insufficient or inaccurate data You provided; (b) chargebacks filed after the Company's enrollment or after termination of the Services; (c) the failure of any third-party payment processor, card network, or issuing bank to rule in Your favor; (d) any delays in receiving chargeback notifications that prevent a timely response; (e) changes in card network rules, dispute-resolution procedures, or compelling-evidence requirements; (f) the classification of chargebacks as "intentional fraud chargebacks" versus other dispute types; (g) Your merchant account being placed in a monitoring program (such as VAMP or ECM) or terminated by a payment processor; (h) the acts or omissions of Your customers, payment processors, acquiring banks, or card networks; or (i) any disruption or degradation of Service quality caused by Your systems, networks, or Third-Party Platform dependencies.

Nothing in these Terms excludes or limits the Company's liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot lawfully be excluded or limited under the laws of England and Wales.

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from and against any and all liability, claims, losses, damages, injuries, expenses, attorneys' fees (whether in-house or external), and costs arising directly or indirectly from or relating to Your use of the Site, including acts or omissions, whether negligent or intentional. Conduct that triggers this obligation includes, but is not limited to: (a) use or misuse of the Site; (b) any actual or alleged breach of a representation, warranty, or other obligation; (c) any violation of any applicable national, international, or local law, regulation, rule, or ordinance; (d) Your negligence or willful misconduct; (e) any breach of these Terms; or (f) Your infringement of any intellectual property or other legal right. If the Company is fined or penalized by any card network or by any regulatory or governmental authority, You agree to reimburse the Company immediately for those fines or penalties.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), are governed by and construed in accordance with the laws of England and Wales. You and the Company agree that the courts of England and Wales have exclusive jurisdiction to settle any such dispute or claim.

Before bringing any claim, the parties agree to first attempt to resolve the dispute in good faith through negotiation; either party may begin this by giving the other written notice describing the dispute. Nothing in this section prevents either party from seeking urgent injunctive or other interim relief from any court of competent jurisdiction, in particular to protect intellectual property rights, confidential information, or proprietary data, or from reporting suspected criminal or fraudulent activity to the appropriate authorities.

Access to and use of password-protected or otherwise secure areas of the Site is restricted to authorized users only. Anyone who attempts to access these areas without authorization may be subject to civil or criminal penalties.

The Company may terminate Your access to the Site at any time, with or without cause, effective immediately. The Company will not be liable to You or any third party for such termination. If You object to any provision of these Terms or any later changes, Your sole remedy is to stop using the Site immediately.

The Services depend on integrations with third-party payment processors, e-commerce platforms, card networks, and other providers (collectively, "Third-Party Platforms"). The Company's ability to provide the Services depends on: (i) the continued availability and functioning of those Third-Party Platforms; (ii) Your maintenance of active accounts and correct configurations with them; and (iii) Your provision of the necessary access credentials, API keys, and permissions.

The Company will not be liable for any failure to provide the Services or for any resulting damages arising from: (a) interruptions, changes, or discontinuation of Third-Party Platforms; (b) Your failure to maintain proper integrations, access permissions, or account status with Third-Party Platforms; (c) data-transmission errors or delays by Third-Party Platforms; (d) changes to Third-Party Platform APIs, policies, or terms; or (e) Your revocation of access permissions or credentials.

You acknowledge that the Company needs ongoing access to Your transaction data, customer information, order details, and other information held in Your Third-Party Platform accounts in order to deliver the Services effectively. If that access is interrupted for any reason, including Your own actions, Third-Party Platform changes, or technical failures, the Company's obligations under these Terms are suspended until access is restored.

If Your payment processor or gateway cannot process refunds, implement chargeback alerts, supply the necessary transaction data, or otherwise support the functionality the Services require, the Company will not be liable for any resulting service limitations or failures. You acknowledge that some payment processors have technical limitations that may affect Service performance.

You may terminate these Terms at any time by sending written notice to the Company at [email protected]. If You terminate during a commitment period or paid subscription term, You remain responsible for all fees for the rest of that period. Termination does not release You from any payment obligations incurred before termination.

The Company may suspend Your access to the Site and use of any or all of the Company's Services and products if: (a) You have breached or are likely to breach these Terms or any agreement between the parties; (b) Your continued use poses a security, fraud, or compliance risk to the Company, other users, or third parties; (c) You have engaged in prohibited activities or violated applicable laws, regulations, or card network rules; (d) Your payment method has been declined or You have failed to pay amounts due; (e) You have provided false, misleading, or incomplete information; (f) Your merchant account has been terminated or placed in a monitoring program by Your payment processor; (g) the Company has received legal process requiring suspension or has been directed to suspend access by a regulatory authority; (h) Your activity degrades or may degrade the security, stability, or reliability of the Company's Services or systems; (i) You have exceeded applicable transaction-volume limits, chargeback thresholds, or fraud indicators; (j) Your business engages in high-risk activities, prohibited merchant categories, or activities that violate the Company's risk-management policies; (k) You have failed to provide requested information, documentation, or access within the required time; (l) the Company determines that providing the Services would violate any law, regulation, or contractual obligation; or (m) continuing to provide the Services presents an unacceptable business, legal, or reputational risk to the Company.

During any suspension, the Company has no obligation to provide the Services. The Company will use commercially reasonable efforts to give notice of a suspension, except where immediate suspension is needed for security, legal compliance, or risk-management reasons.

Unless otherwise agreed in writing, the Company may terminate these Terms or remove Your access to the Site and the Company's products and Services at any time. The Company will notify You in accordance with applicable laws.

On termination, regardless of the reason: (a) Your right to access and use the Services ends immediately; (b) all fees and amounts owed to the Company for Services provided before termination become immediately due and payable; (c) the Company may, but is not required to, continue handling chargebacks or disputes initiated before termination; (d) You must immediately stop representing that You are affiliated with or endorsed by the Company; (e) the Company may delete Your account data in line with its data-retention policies; (f) You remain bound by all provisions that by their nature should survive termination, including payment obligations, indemnification, limitation of liability, proprietary rights, and confidentiality; and (g) termination does not release You from Your obligation to indemnify the Company for claims arising from Your use of the Services before termination.

The Company has no obligation to provide any Services, including chargeback representment or dispute management, for transactions or chargebacks occurring after the effective date of termination.

By using the Site, You agree that We may use and share Your information in line with our Privacy Policy, which can be reached via the "Privacy" link at https://deflectdispute.com/privacy-policy .

The Company owns the trademark "Deflect Dispute" and any other trademarks that may appear on the Site from time to time. You are not permitted to use or display the Company's trademarks, or to claim any ownership or right, title, or interest in them.

You acknowledge that card networks run chargeback-monitoring programs (including Visa's Acquirer Monitoring Program (VAMP) and Mastercard's Excessive Chargeback Merchant (ECM) program) that impose extra requirements and possible penalties on merchants who exceed certain chargeback thresholds. The Company is not responsible for Your placement in any such program and does not guarantee that using the Services will prevent it. If You are placed in a chargeback-monitoring program, You must notify the Company immediately, and the Company may adjust the Services, fees, or these Terms accordingly.

You represent and warrant that You and Your business operations comply with all applicable laws, regulations, and industry standards, including but not limited to: (a) consumer protection laws; (b) truth-in-advertising and unfair-business-practice laws; (c) export control and economic sanctions laws; (d) anti-money-laundering (AML) and know-your-customer (KYC) requirements; (e) data protection and privacy laws (UK GDPR, Data Protection Act 2018, and any other applicable privacy laws); (f) payment-services, e-money, and any other applicable financial-services licensing requirements; (g) tax reporting and collection obligations; and (h) any industry-specific regulations that apply to Your products or services.

The Company may modify the Services or these Terms, or suspend or terminate Your access, if needed to comply with changes in applicable laws, regulations, or card network rules. The Company will give You reasonable notice of such changes where practicable, but may make immediate changes without prior notice where legal or regulatory compliance requires it.

The Company makes no representation or warranty that the content on the Site is appropriate in every country or jurisdiction, and access from places where the content is illegal is prohibited. Users who choose to access the Site are responsible for complying with all applicable local laws, rules, and regulations.

All notices under these Terms must be in writing and are considered duly given when: (a) delivered personally; (b) sent by email to [email protected] (for notices to the Company) or to Your primary email address on file (for notices to You); (c) sent by certified or registered mail, return receipt requested; or (d) sent by a nationally recognized overnight courier. The Company may also give notice by posting it on the Site or through the Services.

The Company will not be liable for any losses caused by delay or interruption in performing its obligations due to causes beyond its reasonable control, including but not limited to: (a) acts of God, such as earthquakes, floods, fires, hurricanes, tornadoes, or other natural disasters; (b) pandemics, epidemics, or public health emergencies; (c) war, terrorism, riots, civil unrest, or armed conflict; (d) acts or orders of governmental or regulatory authorities, including embargoes or export restrictions; (e) labor disputes, strikes, or work stoppages not limited to the affected party's own employees; (f) failures, interruptions, or outages of internet services, telecommunications networks, utilities, or cloud-infrastructure providers; (g) cyberattacks, denial-of-service attacks, ransomware, or other malicious activity targeting the affected party's systems; (h) changes to card network rules, payment-processor policies, or financial-institution requirements that materially affect the ability to provide the Services; (i) suspension or termination of critical third-party services, platforms, or APIs needed for Service delivery; or (j) any other cause, whether similar or not to those listed, that is beyond the affected party's reasonable control.

If the Company is prevented from performing its obligations by a force majeure event, it will notify You of the event and its expected duration within a reasonable time after becoming aware of it, and will use commercially reasonable efforts to resume performance once the event is resolved.

If any provision of these Terms is found, in whole or in part, to be invalid, unenforceable, or void for any reason, that determination will affect only the part of the provision found to be invalid, unenforceable, or void, and will not affect the rest of that provision or any other provision. The Company's failure to act on a breach by You or others does not waive its right to act on later or similar breaches. If there is a conflict between these Terms and an applicable separate agreement, that agreement will govern.

These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference, make up the entire agreement between You and the Company regarding the Services, and supersede all prior or contemporaneous understandings, agreements, and representations.

These Terms are for the sole benefit of the parties and their respective successors and permitted assigns. Nothing in these Terms, express or implied, is intended to give any other person or entity any legal or equitable right, benefit, or remedy.

By using the Services, You consent to receive electronic communications from the Company, including emails to the address You provide. These may include notices about Your account, changes to the Services or these Terms, marketing communications (where permitted by law and, where required, where You have opted in), and other Service-related information. You agree that any notices, agreements, disclosures, or other communications We send You electronically satisfy any legal requirement that such communications be in writing.

These Terms are drafted in English. If they are translated into another language, the English version will prevail in case of any inconsistency.

No failure or delay by the Company in exercising any right, power, or privilege under these Terms operates as a waiver of it, and no single or partial exercise of any right, power, or privilege prevents any further exercise of it or of any other right, power, or privilege. The Company's rights and remedies under these Terms are cumulative and not exclusive of any rights or remedies provided by law.

The Company may transfer or assign any or all of its rights and obligations under these Terms to any third party. You may not transfer, assign, or pledge any of Your rights or obligations under these Terms without the Company's prior written consent.

Section headings are for convenience only and do not affect the interpretation of these Terms.

Cardholder Dispute Resolution Network (CDRN): Results may vary on a case-by-case basis. Terms subject to contractual provisions.

Rapid Dispute Resolution™ (RDR): Results may vary on a case-by-case basis. Terms subject to contractual provisions.

Chargeback Representment: The percentage of funds recovered is not guaranteed. Success is determined on a case-by-case basis and depends on various factors outside the Company's control. For standalone services, certain terms and conditions may apply, and not all merchants will qualify.

Decline Salvage: Results are not guaranteed. Success is determined on a case-by-case basis and depends on various factors outside the Company's control. For standalone services, certain terms and conditions may apply, and not all merchants will qualify.

The Company does not guarantee any specific win rate, recovery percentage, or outcome for any individual chargeback dispute. Any historical performance data, case studies, and success metrics shared by the Company reflect aggregate results and do not indicate the results You may achieve. Your actual results may vary significantly depending on Your business model, transaction types, customer base, and other factors unique to You.

The Company's ability to represent chargebacks successfully depends on compliance with card network requirements, including Visa's Compelling Evidence 3.0 (CE 3.0) standards and Mastercard's applicable dispute-resolution frameworks. Changes to these standards may affect dispute outcomes, and the Company will not be liable for any adverse results that stem from such changes.

Deflect Dispute reserves the right to investigate and pursue violations of these Terms to the fullest extent of the law, and may involve and cooperate with law enforcement in prosecuting users who breach them. You acknowledge that the Company has no obligation to pre-screen or monitor Your access to or use of the Site or any content provided through it, but has the right to do so. You agree that the Company may, in its sole discretion, remove or delete any entries, information, materials, or other content that violates these Terms or is otherwise objectionable.

If You fail to pay any fees or charges, or indicate an intent not to pay future fees or charges, the Company reserves the right to withhold Service, which may include declining or suspending chargeback alerts, suspending representment services, and withholding all other Services provided by the Company.