1. Acceptance of Terms
By accessing or using ReClaim Defense ("Service"), operated under DBA "ReClaim Defense" ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not access or use the Service.
2. Nature of Service and Performance-Based Recovery
ReClaim Defense provides automated chargeback and dispute representment workflows for merchant payment processors, including Stripe. The Service utilizes algorithmic document compilation and evidence delivery on behalf of the merchant.
Disclaimer of Win-Rate Guarantee: Dispute outcomes are adjudicated exclusively by third-party financial institutions and issuing card banks. ReClaim Defense makes no warranty, guarantee, or representation regarding the win rate, reversal rate, or recovery of disputed funds. You explicitly acknowledge that payment dispute arbitration carries an inherent risk of total loss.
3. Fees and Billing
The Service operates on an agreed performance and/or recurring SaaS schedule as detailed during account onboarding. You authorize ReClaim Defense and its payment processors to deduct fees automatically in accordance with your chosen pricing tier.
4. Payment Gateway Authorization
By linking your Stripe account or other gateways, you grant ReClaim Defense authorization to read dispute data, upload evidence packages, and execute representment submissions on your behalf via official merchant APIs.
5. Limitation of Liability
In no event shall ReClaim Defense, its officers, or affiliates be liable for lost revenues, dispute fees assessed by card networks, processor holds, or consequential damages arising out of your use of the platform. Total liability shall not exceed fees paid to ReClaim Defense in the three (3) months preceding the claim.
6. Governing Law
These terms are governed by and construed in accordance with the laws of the State of Missouri, without regard to conflict of law principles.