Terms of Service
Last updated: April 2026 · Fincoro Limited
1. About ChargeMate
ChargeMate is an AI-powered chargeback response generation service operated by Fincoro Limited, a company registered in England and Wales, with its registered office at 61 Bridge Street, Kington, HR5 3DJ.
By creating an account or using the service, you agree to these Terms of Service. If you do not agree, do not use ChargeMate.
Contact: disputes@chargemate.tech
2. The service
ChargeMate allows you to create chargeback dispute cases, upload supporting evidence, and generate AI-drafted responses using Claude (Anthropic). The service is provided on a subscription basis with different usage tiers.
The service is intended for merchants, e-commerce businesses, and their authorised representatives responding to legitimate payment disputes.
3. Account registration
You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You must be at least 18 years old and have the legal authority to enter into this agreement on behalf of yourself or your organisation.
4. Accuracy of data and user responsibility
You are solely responsible for the accuracy and completeness of all information you provide, including dispute details, transaction data, and uploaded evidence. ChargeMate generates responses based on the information you supply — if that information is inaccurate or incomplete, the generated response may be ineffective or incorrect.
You agree not to provide false, misleading, or fabricated information when creating dispute cases or generating responses.
5. No guarantee of dispute outcome
ChargeMate does not guarantee that any chargeback dispute will be won. AI-generated responses are drafts intended to assist you — they are not legal advice and do not guarantee a favourable outcome from any payment network, bank, or processor.
Dispute outcomes depend on factors outside our control, including card network rules, issuer decisions, and the strength of your underlying evidence. We make no warranties, express or implied, regarding win rates or financial recovery.
6. Prohibited uses
You agree not to use ChargeMate to:
- Generate responses for fraudulent, fabricated, or bad-faith disputes.
- Harass, defraud, or harm cardholders, banks, or payment networks.
- Violate any applicable law, regulation, or card network rule.
- Reverse-engineer, scrape, or extract the service in an automated way beyond normal use.
- Resell, sublicense, or redistribute access to the service without our written consent.
- Upload malicious files or attempt to compromise the security of the platform.
We reserve the right to suspend or terminate accounts that violate these terms without notice or refund.
7. Subscription and billing
Plans and pricing
ChargeMate is available on a free tier and paid subscription plans (Starter, Growth, Pro). Paid subscriptions are billed monthly in advance.
Automatic renewal
Paid subscriptions automatically renew at the end of each billing period. You authorise us to charge your payment method on file for each renewal period unless you cancel before the renewal date.
Cancellation
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period — you retain access until then. We do not pro-rate cancellations mid-period.
Price changes
We may change subscription prices with at least 30 days' notice. Continued use after the effective date constitutes acceptance of the new pricing.
8. Refund policy
No refunds are issued for AI generations already used. Each generation consumes from your monthly allowance at the time of use.
If you believe you were charged in error, contact disputes@chargemate.tech within 14 days of the charge and we will investigate. Refunds at our discretion may be issued for unused subscription periods in exceptional circumstances.
9. Intellectual property
You retain ownership of all dispute data, evidence files, and content you upload. You grant Fincoro Limited a limited licence to process that content solely for the purpose of delivering the service to you.
The ChargeMate platform, interface, and underlying technology are owned by Fincoro Limited. You may not copy, modify, or create derivative works from any part of the service.
10. Limitation of liability
To the maximum extent permitted by law, Fincoro Limited shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages.
- Loss of revenue, profits, or data arising from use of the service.
- Outcomes of chargeback disputes, regardless of the AI-generated content.
- Service interruptions, errors, or inaccuracies in AI-generated responses.
Our total aggregate liability to you for any claim shall not exceed the amount you paid to us in the three months preceding the event giving rise to the claim.
11. Disclaimer of warranties
The service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or free of harmful components.
12. Termination
We may suspend or terminate your account at any time if you breach these Terms. You may close your account at any time by contacting us. Upon termination, your data will be deleted in accordance with our Privacy Policy.
13. Changes to these terms
We may update these Terms from time to time. Material changes will be communicated via email at least 14 days before taking effect. Continued use after the effective date constitutes acceptance of the updated Terms.
14. Governing law and disputes
These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
15. Contact
Fincoro Limited
61 Bridge Street, Kington, HR5 3DJ
England, United Kingdom
disputes@chargemate.tech