ChargeWipe
ChargeWipe

Chargewipe Terms of Service

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of Chargewipe’s services (“Services”). By installing, accessing, or using our Services, you agree to be bound by these Terms, our Privacy Policy, and Cookies Policy.

Please read these Terms carefully. By clicking “I Accept,” creating an account with Chargewipe, or otherwise using the Services offered by Chargewipe, you acknowledge and agree to be bound by these Terms and to use the Site and Services in accordance with them. If you are registering or accessing the Services on behalf of a company or other legal entity, you represent and warrant that (i) you have the authority to bind that entity to these Terms; (ii) such entity has reviewed, understood, and accepted these Terms (with “you” and “your” referring to that entity); and (iii) you agree to these Terms on behalf of such entity. If you do not meet the eligibility requirements for the Services, or do not agree to these Terms, you must not register for, access, or use the Site or Services.

2. Scope of Services

ChargeWipe provides Software‑as‑a‑Service (SaaS) solutions through our secure portal, designed to help merchants reduce payment risk and protect their processing channels. Our services include fraud detection, chargeback prevention through early‑warning alerts (RDR, CDRN, Ethoca), and friendly‑fraud prevention tools that deliver risk scores and actionable recommendations. While ChargeWipe enables merchants to identify and respond to potential disputes before they escalate, merchants remain solely responsible for taking timely action on alerts, refunds, and dispute resolution.

General. As long as you remain in compliance with these Terms (including prompt payment of all applicable fees), ChargeWipe grants you a limited, non‑exclusive, revocable, non‑sublicensable, non‑assignable, and non‑transferable license, valid for the duration of your subscription term, to access and use the Services you have subscribed to under a contract or quotation agreed between you and ChargeWipe (each a “Service Agreement”). You may use the Services and related Content solely for your internal business purposes in connection with chargeback prevention and dispute automation. For clarity, your right to use the Services is subject to any usage limits, thresholds, or metrics specified in the applicable Service Agreement.

3. Account Registration

To request Chargeback Services from ChargeWipe, you must first complete our online contact form. When registering for the Services, you are required to provide certain personal and business details, as further described in our Privacy Policy. You will also provide information regarding your online or retail store (the “Store”) and establish the necessary connections between our Services and your CRM system, payment gateway, and payment processor or payment facilitator. Successful onboarding requires that these integrations are completed to enable ChargeWipe to deliver chargeback alerts, dispute automation, and related services.

You must provide ChargeWipe with all data sources, platforms, information, and documents necessary for us to: (i) verify the fees payable to us, (ii) deliver the Services, and (iii) enable proper use of the Services. During onboarding, you are required to provide a valid credit card for billing authorization. In addition, you must maintain a minimum account balance of $500 to ensure uninterrupted service for the first month. If your balance falls to $500, your service may be paused until replenished. For optimal continuity, we recommend maintaining at least a $3,000 balance.

The Services will be activated only after we have received all required information in full and the required balance has been established.

The information you provide during subscription and onboarding must be accurate, current, and complete. You will be asked to create a password, which together with the email address linked to your Account (the “Access Information”), will serve as your login credentials.

You are solely responsible for maintaining the confidentiality of your Account and Access Information. You remain fully responsible for all activity conducted under your Account. If you share your password or fail to secure your Account, ChargeWipe will not be liable for any resulting loss. You may not permit any third party to access or use your Account. You must notify us immediately of any unauthorized access or other security breach.

4. The Services

4.1 Use of Services.

Subject to compliance with these Terms, if applicable, the Company will provide You the Services to which You subscribe from time to time during the Term. You can view the status of disputes and Services in Your Account’s dashboard if applicable.

4.2 Chargeback Management

If you elect to subscribe to Chargeback Management Services, the following will apply:

4.2.1 Dispute Alerts

  • ChargeWipe provides chargeback alerts designed to notify you when an issuing bank or payment provider detects a potential dispute before it escalates into a formal chargeback.

  • Upon receiving an alert, you are solely responsible for taking timely action, including processing refunds and reporting them back into the system.

  • ChargeWipe does not handle chargebacks or disputes on your behalf. Our role is limited to delivering alerts and, where applicable, reminding you as deadlines approach.

  • Our ability to deliver alerts depends on the integrations you have connected or the access you have provided. If integration or access fails for any reason, we will not be liable for missed alerts.

  • Failure to pay fees for the Services may result in immediate suspension or termination. Following disconnection, you acknowledge that you cannot raise claims regarding outcomes or results, and we will not be liable for Services from the point fees were not collected.

4.2.2 Alert Service Types

  • RDR (Rapid Dispute Resolution): Alerts are automatically resolved by refunding the transaction, without requiring manual action from you.

  • CDRN (Cardholder Dispute Resolution Network): You must process the refund and report it back within 72 hours.

  • Ethoca Alerts: You must process the refund and report it back within 24 hours.

  • Each alert service covers different card networks, so coverage varies depending on the provider.

4.2.3 Limitations

  • Chargeback Prevention Services are designed to reduce risk and enhance security but do not guarantee complete protection against fraud or chargebacks.

  • If your payment processor cannot issue refunds, or if we lack the necessary access or permissions, we will not be liable for associated costs and cannot prevent chargebacks.

  • If you fail to provide timely access to your payment processor (via API integration or user access), we will not be responsible.

  • If a third‑party provider refuses to issue a refund for an alert that was not prevented, we will not be liable.

5. Fees, Minimum Account Balance and taxes

5.1 Pricing and fees

All fees charged by ChargeWipe are service fees as described in your Service Agreement. Pricing is determined on a per‑client quotation basis, taking into account transaction volume, risk profile, and integration requirements.

5.2 Account Balance

  • All fees charged by ChargeWipe are service fees as described in your Service Agreement.

  • Pricing is determined on a per‑client quotation basis, taking into account transaction volume, risk profile, and integration requirements.

  • Clients are responsible for maintaining sufficient account balance to support ongoing service deductions. The default minimum account balance is $500 for the first month.

  • If your account balance falls below the minimum required amount, ChargeWipe will automatically deduct fees from your authorized credit card to maintain service continuity. If your credit card is invalid or payment cannot be processed, and the minimum balance is not restored, Services may be suspended.

  • ChargeWipe reserves the right to increase the minimum balance requirement based on your consumption during the preceding 30 days. If an adjustment is required, you will be notified via email and must amend your balance within two weeks. Failure to do so may interrupt our ability to continue providing Services.

  • ChargeWipe will automatically issue email notifications when your remaining balance falls below $1,000 and $500. If you wish to customize balance alerts, you may configure them under the Account Balance Alert section of your dashboard.

5.3 Invoicing

You are fully responsible for providing ChargeWipe with complete and accurate billing and contact information. Invoices will be issued on a monthly basis, detailing all applicable service fees as described in your Service Agreement.

5.4 Payment Terms

Payment terms shall be defined in your Service Agreement

5.5 Authorization

By providing your credit card information, you authorize ChargeWipe to deduct applicable service fees from your account balance and, if necessary, directly from your credit card. You represent and warrant that you are authorized to use the credit card and that the payment information provided is accurate and complete.

5.6 Payment Processing

Service fees are charged per transaction alerted (e.g., disputes, alerts) and automatically deducted from your account balance. If your account balance falls to $500 or the minimum deposit required, ChargeWipe will deduct fees directly from your authorized credit card. You will receive a monthly invoice summarizing all Services provided and payments processed during the applicable month.

5.7 Currency

All transactions are processed in USD. Any currency conversion fees or charges applied by your credit card issuer are your responsibility.

5.8 Disputes

If you have concerns or disputes regarding an invoice or transaction, please contact ChargeWipe immediately. We will work with you to resolve the issue in a timely manner.

5.9 Taxes

All amounts due hereunder are exclusive of all sales, use, excise, service, value-added, or other taxes, duties, and charges of any kind (whether foreign, federal, state, local, or other) associated with these Terms, the Service, or Your access to the Services. You shall be solely responsible for all such taxes, duties, and charges (except for taxes imposed on Our income), which may be invoiced by Us from time to time.

6. Intellectual Property Rights

6.1 Ownership of Content

The Services and the Website, including the algorithms used to deliver the Services, anonymized and aggregate data collected, the overall look and feel, video materials, text, photos, logos, graphical displays of data, designs, sounds, figures, analysis, statistics, trademarks, and any other content embodied in the Services and the Website are protected by ChargeWipe’s Intellectual Property Rights. For clarity, formats of correspondence with End Users prepared by ChargeWipe as part of the Services are also protected.

6.2 Definition

For the purpose of these Terms, “Intellectual Property Rights” means any and all intellectual property rights, whether registered or not, worldwide, including without limitation:

  • (i) copyrights, including moral rights, registrations and applications for registration thereof;

  • (ii) computer software programs, data, and documentation;

  • (iii) patents, patent applications, and all related continuations, divisional, reissue, design patents, applications and registrations thereof, certificates of inventions; and

  • (iv) trademarks, trademark applications, domain names, trade secrets, and Confidential Information (as defined below).

6.3 Retained Rights

As between You and ChargeWipe, ChargeWipe retains all rights, title, and interest in and to the Services and the Website. Your use of the Services and the Website does not confer any intellectual property rights other than the limited right to use them in accordance with these Terms.

6.4 License to Use Data

You grant ChargeWipe a limited, non‑exclusive, non‑transferable, and royalty‑free license to use Your Data solely for the purpose of providing, supporting, maintaining, and improving the Services. This includes (i) accessing, storing, and copying Your Data; (ii) using Your Data to train and enhance our software tools (e.g., artificial intelligence and machine learning models); and (iii) duplicating Your Data for backup and performing other technical operations necessary to deliver the Services.

6.5 Restrictions

You shall not, nor permit others to, modify, decompile, disassemble, reverse engineer, copy, transfer, create derivative works from, rent, sub‑license, distribute, reproduce, frame, republish, scrape, download, display, transmit, post, lease, or sell in any form or by any means, in whole or in part, or otherwise exploit any content of the Services or the Website without ChargeWipe’s prior written consent.

7. Privacy and Confidentiality

ChargeWipe will maintain the confidentiality of client data and will not disclose it except as required by law or to provide the Services. Your use of the Services is subject to ChargeWipe’s Privacy Policy, which governs the collection, use, retention, and disclosure of personal information. By agreeing to these Terms, you also agree to the Privacy Policy. ChargeWipe may update the Privacy Policy from time to time, and you will always have access to the most up‑to‑date version through our website https://www.chargewipe.com/. Where required by applicable law, we will notify you of material changes and may request your explicit consent before such changes take effect.

8. Terms and Termination

8.1 Commencement and Duration

Your subscription to ChargeWipe Services shall commence on the Commencement Date and remain in effect unless terminated in accordance with these Terms or your Service Agreement.

8.2 Termination by Notice

Either party may terminate the Services, or a specific Service, at any time during the Term (other than during a Commitment Period or Trial Period, if applicable) by providing at least thirty (30) days’ written notice. Termination of one Service does not automatically terminate other Services; explicit instructions must be provided for each Service to avoid continued provision and associated fees.

8.3 Immediate Termination

During the Term, Services may be terminated immediately by either party:

  • (i) in the event of a material breach of these Terms or the Service Agreement, if such breach is not cured within five (5) days of notice, or immediately if incapable of cure;

  • (ii) if either party becomes insolvent, files or has filed against it a petition in bankruptcy not dismissed within forty‑five (45) days, has a receiver appointed not revoked within forty‑five (45) days, or institutes proceedings for liquidation or winding up.

8.4 Suspension of Services

ChargeWipe may suspend or restrict access to Services immediately in the event of:

  • failure to maintain the required minimum account balance;

  • failure of credit card payment processing when balance falls below the minimum threshold;

  • breach of these Terms or the Service Agreement. Suspension shall remain in effect until the breach or payment issue is remedied.

8.5 Effect of Disconnection

You acknowledge that following disconnection or suspension, you are not entitled to raise claims regarding outcomes or results associated with such disconnection. ChargeWipe shall not be liable for Services not provided due to non‑payment or suspension.

8.6 Payment Obligations on Termination

Upon expiration or termination of the Service Agreement, you remain obligated to remit all payments due for Services rendered prior to termination, including any fees in accordance with Section 6.

8.7 Survival

Any provisions intended by their nature to survive termination, including but not limited to confidentiality, intellectual property, and payment obligations, shall remain in effect after termination.

9. Disclaimer

9.1 “As‑Is” Basis

Except as expressly set forth in these Terms, the Services are provided on an “as‑is” basis. ChargeWipe disclaims any and all warranties, whether express, implied, or statutory. We do not warrant that the Services will be error‑free, uninterrupted, or that the results generated will be accurate or lead to any particular commercial outcome.

9.2 Scope of Services

ChargeWipe provides chargeback alerts, workflow automation, and prevention tools to assist merchants in managing risk. ChargeWipe does not handle chargeback disputes or file responses on behalf of merchants.

9.3 Limitations of Results

ChargeWipe does not guarantee that all chargebacks will be prevented, resolved, or resolved in your favor. Likewise, we do not guarantee that all fraud attempts will be identified or stopped, or that all transactions will be reviewed or accurately assessed under the prevention tools.

9.4 Exclusion of Implied Warranties

To the maximum extent permitted under applicable law, all other express or implied conditions, representations, and warranties are excluded. This includes, without limitation, implied warranties of merchantability, fitness for a particular purpose, quality, accuracy, title, and non‑infringement.

9.5 Merchant Responsibility

You acknowledge that ChargeWipe provides tools and alerts to assist in chargeback prevention, but merchants remain solely responsible for acting on alerts, issuing refunds, and managing disputes with acquirers or card networks.

10. Limitation and liabilities

10.1 General Exclusions

Without limiting the generality of the foregoing, ChargeWipe assumes no liability or responsibility for:

  • (a) errors, mistakes, or inaccuracies in any content included in the Website;

  • (b) interruptions, delays, or cessation of transmission to or from the Services;

  • (c) bugs, viruses, Trojan horses, or similar harmful code that may be transmitted to or through the Services or Website;

  • (d) reliance on alerts, notifications, or automation tools provided as part of the Services, which are intended to assist but not replace merchant decision‑making.

10.2 Merchant Responsibility

You agree to hold ChargeWipe harmless for any losses caused, directly or indirectly, to You or any third party in connection with the Website and/or the Services. You bear sole responsibility for decisions made in reliance on alerts, notifications, or other outputs of the Services, as well as for any acts or omissions of your payers.

10.3 Technical Risks

ChargeWipe is not responsible for disruptions or technical malfunctions of telephone or network lines, online systems, servers, providers, hardware, software, or traffic congestion on the internet, nor for incompatibility between the Services and Your browser, store systems, or other equipment. You assume all responsibility and risk associated with Your use of the internet in connection with the Services.

11. Miscellaneous

11.1 Service Changes

ChargeWipe may, at its discretion, amend, modify, terminate, or discontinue any of the Services and/or introduce new Services from time to time. Where such changes materially affect your use of the Services, ChargeWipe will provide reasonable notice. ChargeWipe shall not be liable for incidental losses resulting from such changes.

11.2 Amendments to Terms

ChargeWipe may modify these Terms from time to time. When modifications occur, we will provide notice by publishing the most current version and revising the date at the top of this page. Any modifications shall be effective immediately upon publication. By continuing to use the Website or the Services after changes take effect, you are deemed to agree to the revised Terms.

11.3 Relationship

You agree that transmission of information to or from the Website does not create any relationship between you and ChargeWipe beyond those expressly specified in these Terms.

11.4 Waiver

No failure or delay by ChargeWipe in exercising any right, power, or remedy shall operate as a waiver thereof, nor shall any single or partial exercise preclude any other or further exercise of such right, power, or remedy.

11.5 Severability

If any provision of these Terms is held unenforceable by a court of competent jurisdiction, such provision shall be excluded, and the remainder of these Terms shall remain enforceable. These Terms shall be interpreted to give effect, to the greatest extent permitted by law, to the meaning and intention of the excluded provision.

11.6 Assignment

ChargeWipe may transfer or assign any of its rights and obligations under these Terms to any third party. The Website and/or Services may also be operated by third parties. You may not transfer, assign, or pledge any of your rights or obligations under these Terms.

11.7 Force Majeure

Neither party shall be responsible for failure to perform obligations hereunder (other than payment obligations) due to causes beyond reasonable control, including terrorism, fire, civil disturbance, war, rebellion, earthquake, flood, or similar occurrences (“Force Majeure Event”). Performance shall resume as soon as possible after the cause no longer prevents performance. If non‑performance continues for thirty (30) days or more, either party may terminate the Service Agreement by written notice. The affected party shall notify the other party as soon as reasonably practicable, describing the cause, effect, and anticipated duration of non‑performance.

11.8 Publicity

You agree that ChargeWipe may identify you as a user of the Services and use your trademark and/or logo (i) in sales presentations, promotional/marketing materials, and press releases, and (ii) to develop a brief customer profile for use on the Website or social media accounts for promotional purposes. You may withdraw this consent at any time by providing written notice to ChargeWipe, after which we will cease further use of your trademark and/or logo.

11.9 Notices

Notices to you will be sent by email to the address you provide. Notices to ChargeWipe must be sent by email to the address specified in your Service Agreement or on our Website.

12. Update and Maintenance

ChargeWipe will use commercially reasonable efforts, consistent with prevailing industry standards, to provide the Services in a manner that minimizes errors and interruptions in access and use. The Services may be temporarily unavailable due to scheduled maintenance, unscheduled emergency maintenance (whether performed by us or by third‑party providers), or other causes beyond our reasonable control. For scheduled service disruptions within our control, we will use reasonable efforts to provide advance notice in writing or by email.

13. Governing Law

These Terms are governed by the laws of the jurisdiction where Chargewipe is incorporated, without regard to conflict of law principles.

14. Contact Us

If you have questions about these Terms, please contact us at support@chargewipe.com.