Terms of Service

Acceptance of Terms

By accessing or using Refunder.ai ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

Description of Service

Refunder.ai provides AI-powered tools to help consumers identify unknown charges on their bank statements, research merchant refund policies, and generate chargeback dispute documents. The Service includes a transaction descriptor search tool, bank-specific dispute guides, and an AI dispute document wizard.

Not Legal Advice

The information and documents provided by Refunder.ai are for informational purposes only and do not constitute legal, financial, or professional advice. We are not a law firm, bank, or financial institution. The dispute documents generated by our AI tools are templates intended to assist you and should be reviewed before submission to your bank. We recommend consulting with a qualified professional for advice specific to your situation.

User Responsibilities

When using the Service, you agree to:

• Provide accurate and truthful information when using our tools
• Use the Service only for lawful purposes and legitimate disputes
• Not use the Service to file fraudulent chargebacks or dispute legitimate charges
• Review all AI-generated documents before submitting them to your bank
• Not attempt to interfere with or disrupt the Service

Intellectual Property

All content on Refunder.ai, including text, graphics, logos, software, and bank guides, is the property of Refunder.ai or its content providers and is protected by intellectual property laws. You may use dispute documents generated for your personal, non-commercial use only.

Limitation of Liability

To the fullest extent permitted by law, Refunder.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. We do not guarantee the success of any chargeback dispute. The outcome of your dispute depends on your bank, the card network, and the specific circumstances of your case.

Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that any information provided will be accurate or complete.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of material changes by updating the "Last updated" date. Your continued use of the Service after changes are posted constitutes acceptance of the revised terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact Us

If you have any questions about these Terms of Service, please contact us at support@refunder.ai.