Chargeback Privacy Policy

LastUpdated: May 13, 2025

Chargeback, an online service owned and operated by Fooga Inc. d/b/a Chargeback (“Chargeback,” “we,” “us,” or “our”), is committed to transparency about how we collect, use, share, and protect your personal information. This Privacy Policy describes our practices regarding the information we collect through our subscription management services, mobile applications, websites, and related platforms (collectively, the “Sites”).

Please review the Terms of Use. The Terms of Use governs your use of the Sites. By using the Sites, you agree to this Privacy Policy and the Terms of Use. You also agree to our collection, use, disclosure and storage of your information as described by this Privacy Policy. If you do not agree to the terms of this Privacy Policy, do not provide us with any Personal Information and do not use the Sites.

This Privacy Policy does not apply to the following.

  • Data we get from third parties, unless we combine such data with Personal Information (defined below) that we have collected under this Privacy Policy.
  • Our data collection activities offline or outside of the Sites (unless otherwise stated below).
  • The data practices of third parties that may interact with the Sites, such as social media sites and websites where we advertise.

If you have any questions about this Privacy Policy then we are happy to help – please contact us at: support@joinchargeback.com. Please include the words ‘Privacy request’ in the title bar of any emails you send to us.

1. What information do we collect.

We and our third-party service providers may use tracking technologies. These technologies store or collect certain information, including behavioral and technical data attributes, when you visit or interact with the Sites (“Usage Information”). This Usage Information may be stored or accessed using technologies that may be downloaded to your computer, browser, laptop, tablet, mobile phone, or other device (a “Device”) when you visit or interact with the Sites. This Usage Information may include:

  • Device Identifiers: Your IP address, Unique Device Identifier (UDID), or other unique identifiers automatically assigned to your device. We use these identifiers to recognize your device across sessions.
  • Device Functionality Information: Details about your device’s hardware and software, including browser type, browser version, operating system, device model, and mobile network information.
  • Device Location: Geolocation data collected from your device (subject to your permission and applicable laws).
  • Device Characteristics: Technical attributes of your device, such as screen size, resolution, and other hardware specifications.
  • Usage and Interaction Data: Information regarding how you use and interact with our Sites, including:

- The specific pages, screens, or areas you visit within our websites or apps;
- Actions you take within our Sites (e.g., clicks, selections, form inputs);
- Preferences you select and settings you configure;
- Frequency and duration of your visits, timestamps, and access dates;
-  Patterns of use, such as navigation paths and viewing behaviors.

  • Network and Connection Information: The domain name you used to access the Internet, referring and exit URLs, and additional details obtained from web page headers (such as the device type and version of your web browser).
  • Communications Data: Information included in or related to any communications you send us, including messages sent through our automated virtual assistant, chatbots, or live chat features. This may include the content of your communications and associated metadata, such as timestamps and communication channels used.
Personal Information.

When you use our Services, we may request and collect information that personally identifies you (“Personal Information”). The types of Personal Information we collect include, but are not limited to:

  • Identification Information: Full name and date of birth.
  • Contact Information: Home address, zip code, telephone number, and email address.
  • Financial Information: Bank account details, payment card information, transaction history, and financial statements reflecting your assets, debts, and income.
  •  Employment Information: Current employer, occupation, job title, income verification, and related professional details.
  • ccount Credentials: Login credentials (such as usernames and passwords) for third-party services linked to our platform (e.g., bank accounts, email providers, subscription services).
  • Demographic and Relationship Information: Relationship status and household details, if relevant to providing ourservices.
  • Biometric Information: Biometric identifiers, such as fingerprint or facial recognition data, when necessary to verify your identity and enhance account security.

We collect this information to provide tailored services, verify identities, facilitate secure transactions, comply with legal requirements, and ensure the best possible user experience. Your personal information is securely handled in accordance with this Privacy Policy.

2. How do we use Collected Information.

We and our service providers may use your information that is covered by this Privacy Policy:

  • Savings and Refund Recovery: Identifying opportunities to reduce costs, cancel unwanted subscriptions, secure eligible refunds or reimbursements from third-party service providers (such as airlines, utilities, or streaming platforms), and otherwise assist you in managing or recovering money from services you use. This may include contacting providers on your behalf, submitting refund or cancellation requests, or negotiating rates with your authorization.
  • Transaction Processing: Facilitating and completing transactions, such as processing loan or credit card applications and underwriting financial products.
  • Account Management: Creating, managing, and maintaining your account, and providing secure account access.
  • Identity Verification: Verifying your identity to protect against fraud, unauthorized transactions, or other illegal activities.
  • Communication and Support: Responding to your inquiries, providing customer support (including via automated virtual assistants or live chat), and maintaining records of communications.
  • Marketing and Promotions: Sending you electronic newsletters, promotional communications, and advertisements about products, services, events, and offers from us or third-party partners.
  • Billing and Collections: Generating and delivering periodic account statements, processing payments, and collecting amounts owed.
  • Personalization: Customizing your experience on our Sites, presenting content tailored to your preferences, interests, and transaction history.
  • Analytics and Improvement: Conducting internal analyses and research to enhance our services, optimize user experience, refine marketing strategies, and improve our Sites.
  • Fraud Prevention and Security: Detecting, preventing, and addressing fraud, security breaches, or other potentially harmful or illegal activities.
  • Compliance and Enforcement: Enforcing our Terms of Use, complying with applicable laws, regulations, legal processes, and responding to governmental requests or court orders.
  • Other Disclosed Purposes: Carrying out any additional purposes explicitly disclosed at the time we collect your information or otherwise outlined within this Privacy Policy.

Your information is handled securely and used only in ways consistent with this Privacy Policy.

3. How do we use cookies, web beacons and other tracking technologies.

We use various tracking technologies on our Sites, including cookies, web beacons, pixels, and similar tools. These technologies help us deliver and improve our services, analyze user interactions, enhance user experience, and provide relevant advertisements.

What are Cookies and Web Beacons

Cookies are small data files containing letters, numbers, and symbols stored on your device (e.g., computer, smartphone, tablet). Cookies help our Sites remember information about your visits and preferences, enabling us to provide personalized features and targeted advertising.

Web Beacons (also known as pixels or clear GIFs) are small electronic images embedded in web pages and emails. Web beacons allow us to track interactions, such as page visits, email opens, clicks, and user actions, helping us analyze usage patterns and improve our services.

Types of Tracking Technologies We Use

We and our third-party service providers utilize various tracking methods, including:

  • Essential Cookies: Required to enable basic functionality, secure account access, identity verification, and fraud prevention.
  • Functional Cookies: Remember your preferences, enhancing your browsing experience by personalizing content and settings.
  • Analytics Cookies: Collect data on how users interact with our Sites, such as page visits, duration of visits, user actions, and site performance. This helps us optimize our content, layout, and overall user experience.
  • Advertising and Marketing Cookies: Used to deliver targeted advertisements and marketing communications tailored to your interests, both on our Sites and across third-party websites.
Use of Tracking Technologies

We use a variety of third-party advertising technologies, including tracking pixels, cookies, and other similar tools, to help us measure the effectiveness of our marketing efforts, track user engagement and conversions, and deliver more relevant ads based on your interactions with our Sites and services.

This includes, but is not limited to, technologies provided by Meta (Facebook), Google (including Google Ads), Reddit, X (formerly Twitter), TikTok, and other online advertising platforms. These tools may collect information about your browsing behavior across our Sites and other third-party websites or applications, which may constitute cross-site tracking under certain regulations. This information allows us to understand the performance of our advertising campaigns, refine our marketing strategies, and present ads that are more likely to be of interest to you.

Your data may be used to build anonymous user profiles, retarget you across platforms, or serve interest-based ads. You can manage or opt out of personalized advertising through the individual platform settings (e.g., Meta’s ad preferences at https://www.facebook.com/adpreferences, Google’s ad settings at https://adssettings.google.com, or TikTok’s ad preferences within the app), or by visiting industry opt-out resources such as the Digital Advertising Alliance at https://www.aboutads.info/choices or the Network Advertising Initiative at https://www.networkadvertising.org/choices.

We may update the advertising platforms we work with from time to time without notice, and will continue to use reasonable measures to ensure any such partners comply with applicable data protection regulations.

How We Use Tracking Technologies

Tracking technologies serve several critical purposes, including:

  • Facilitating your secure access and navigation across our Sites.
  • Analyzing site traffic, interactions, and transactions to improve functionality and performance.
  • Customizing and personalizing your experience, including content presentation, offers, and services based on your preferences.
  • Enhancing security, fraud prevention, and identity verification.
  • Measuring and optimizing the effectiveness of our marketing and advertising efforts.
Third-Party Tracking and Advertising Networks

We participate in advertising networks managed by third parties, including Google and Meta. These third parties may use tracking technologies to gather information about your online activities on our Sites and other websites. Such information includes the web pages you visit, your interaction with content and advertisements, and your general browsing habits. This information enables us and third parties to deliver targeted advertising, limit ad repetition, and analyze the effectiveness of ads you receive.

Please note:

  • We may share demographic or interest-based information about you in an aggregated or de-identified form with advertising partners.
  • These tracking technologies may associate information collected from your visits to our Sites with data you have provided elsewhere (e.g., your name, email, or postal address) in hashed or encrypted forms, to facilitate tailored advertising.
  • To opt-out of receiving targeted ads based on your activities across multiple websites, please visit:
  • Digital Advertising Alliance (DAA): https://www.aboutads.info/choices
  • Network Advertising Initiative (NAI): https://www.networkadvertising.org/choices
Managing Tracking Technologies

You have control over cookies and tracking technologies through your browser settings or device preferences. Please be aware that restricting or disabling cookies may limit your ability to use certain features and services on our Sites.

Third-Party Links and Integrations

Our Sites may include links to third-party websites, social media platforms, or services. Interactions with these third-party services (such as Facebook, Twitter, Instagram, or other platforms) may involve sharing your Personal Information with these third parties. Their practices are governed by their own privacy policies, and we recommend reviewing their privacy statements before engaging with such services. Chargeback is not responsible for the privacy practices of third-party websites or applications.

4. How long do we keep your personal information for.

We retain your personal information only for as long as necessary to fulfill the purpose for which it was collected. However, in certain cases, we may need to retain your information for longer periods to comply with legal, tax, accounting, and regulatory requirements established by government authorities. The retention period is determined based on several factors, including the type, nature, and sensitivity of the personal information, the risk of unauthorized access or disclosure, and whether we can fulfill our objectives through alternative means. Additionally, we consider any legal, regulatory, and business obligations that may require continued data retention.

If you choose to delete your Chargeback account or if your account remains inactive for five years, we will remove your personal information unless it is necessary to retain it for legal compliance, dispute resolution, claims defense, or other legitimate business purposes. This also includes situations where you have opted to receive marketing communications or where your data is necessary to fulfill prior commitments.

Once your personal information is no longer required for any of these purposes, we will either delete or de-identify it. If immediate deletion is not possible — for example, if data is stored in backup archives — we will ensure that it remains securely stored and isolated from further processing until it can be safely deleted or anonymized. Our goal is to manage data responsibly while maintaining compliance with all applicable privacy and security regulations.

5. Your rights and choices.

We strive to give you clear and convenient ways to manage your Chargeback account and your personal data preferences. Below are the details regarding your privacy rights and how you can exercise control over your information.

Managing Your Information and Preferences

You can access, review, update, or correct your account information directly through your Chargeback account settings. This includes your profile information such as your username, address, billing details, and linked third-party account credentials.

You can manage your device-specific permissions (such as location tracking, camera access, and notification preferences) through your mobile device or application settings. Please note, disabling certain permissions may limit your access to specific features of our Sites, such as auto-cancellation functionalities and SMS-based alerts.

Marketing and Communication Preferences

You have full control over receiving promotional communications and marketing messages. To opt out, follow the unsubscribe instructions included in each promotional email or text message, or manage your notification preferences directly within your account settings.

Even if you opt out of marketing communications, we may still send you essential service-related messages, such as updates about your account, changes to our Terms of Use or this Privacy Policy, and security alerts.

Your Data Privacy Rights

Depending on your jurisdiction, you may have additional rights regarding your personal data, which can include:

  • Right to Access: Request details about the personal data we collect, including the sources from which we collect it, the purposes for collection, and any disclosures to third parties.
  • Right to Portability: Obtain a copy of your personal data in a structured, commonly used, and machine-readable format upon request.
  • Right to Correction: Request that we correct inaccuracies in your personal information. You can also update certain information directly in your account settings.
  • Right to Deletion: Request deletion of your personal information, subject to legal exceptions. Please be aware that deleting your data may impact your access to personalized features and services.
  • Right to Opt-Out: Opt out of the sale or sharing of your personal information for targeted advertising purposes, where applicable.
  • Right to Limit Use of Sensitive Data: in certain states, such as California, you may have the right to limit our use of sensitive personal information, such as precise geolocation data or biometric identifiers.
Submitting a Privacy Request

To exercise these rights, please contact us by emailing support@joinchargeback.com with the subject line “Privacy Request.” We will acknowledge your request within five (5) business days and provide a substantive response within the timeframe required by applicable law.

For security purposes, we verify your identity before fulfilling privacy requests. You may be asked to provide verification details such as your full name, address, email address, phone number, or Chargeback user ID.

If preferred, you may also authorize an agent to submit privacy requests on your behalf by providing written consent or proof of legal authority.

Non-Discrimination

Chargeback adheres to a strict non-discrimination policy. Exercising your privacy rights will not result in any denial of services, alteration in service quality, or discriminatory treatment. However, limiting the use or collection of your data may affect the functionality or personalization of certain features within our Sites.

6. State Specific Rights.

You may have specific rights regarding your personal information depending on your state of residence, including, without limitation, California, New York, Texas, Florida, Illinois, Pennsylvania, North Carolina, Georgia, Ohio, Michigan, Virginia, Tennessee, Washington, Arizona, New Jersey, Missouri, Indiana, Colorado, and Massachusetts. These rights are outlined below and provide you with greater control over how your data is collected, used, and shared:

For California Residents:

If you are a California resident, you may have specific rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). These rights include the right to request that we disclose what personal information we collect, use, disclose, and share; the right to access a copy of your personal information in a portable format; the right to request deletion of personal information we have collected from you (subject to certain legal exceptions); the right to request correction of inaccurate personal information; and the right to limit the use and disclosure of sensitive personal information, including precise geolocation, biometric identifiers, or financial account credentials, to only what is necessary to provide our Services. California residents also have the right to opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising. While Chargeback does not sell personal information in the traditional sense, we may share information with third parties for targeted advertising purposes, and California users may opt out of this by using the "Do Not Sell or Share My Personal Information" link available on our website. We will not discriminate against you for exercising your privacy rights, and your access to our Sites will remain the same regardless of the choices you make. You may also designate an authorized agent to submit privacy requests on your behalf by providing signed written authorization or legal documentation of authority.

To exercise your rights under California law, you may email us at support@joinchargeback.com with “California Privacy Request” in the subject line. We will verify and respond to your request as required by California law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under California law.

For New York Residents:

If you are a New York resident, you may have specific rights regarding the collection and use of biometric information. In accordance with New York privacy laws and proposed legislation, Chargeback provides clear notice before collecting any biometric identifiers—such as fingerprints, facial recognition data, or voiceprints—and obtains explicit consent where applicable. We do not sell, lease, or otherwise profit from biometric information. Any biometric data collected is stored securely, used only for the stated purposes, and retained no longer than necessary to fulfill those purposes or as required by law.

To exercise your rights under New York law, you may email us at support@joinchargeback.com with “New York Privacy Request” in the subject line. We will verify and respond to your request as required by New York law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under New York law.

For Texas Residents:

If you are a Texas resident, you may have specific rights under the Texas Data Privacy and Security Act (“TDPSA”), effective July 1, 2024. Subject to certain exceptions, you have the right to: (i) confirm whether we process your personal data and access such data; (ii) correct inaccuracies in your personal data; (iii) request deletion of personal data we maintain about you; (iv) obtain a portable copy of your personal data; and (v) opt out of the processing of personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Texas law, you may email us at support@joinchargeback.com with “Texas Privacy Request” in the subject line. We will verify and respond to your request as required by Texas law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Texas law.

For Florida Residents:

If you are a Florida resident, you may have specific rights under the Florida Digital Bill of Rights (“FDBR”), effective July 1, 2024. Subject to certain exceptions, Florida residents may have the right to: (i) confirm whether we process their personal data and access such data; (ii) request deletion of personal data collected about them; (iii) obtain a copy of their personal data in a portable and readily usable format; (iv) correct inaccuracies in personal data; and (v) opt out of the sale of personal data, the use of personal data for targeted advertising, and profiling in furtherance of decisions that produce legal or similarly significant effects.

In accordance with the FDBR, Chargeback does not collect voice recordings or facial recognition data through smart speakers or similar devices, nor does it engage in surveillance-based profiling or behavioral tracking using voice technology.

To exercise your rights under Florida law, you may email us at support@joinchargeback.com with “Florida Privacy Request” in the subject line. We will verify and respond to your request as required by Florida law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Florida law.

For Illinois Residents:

If you are an Illinois resident, you may have specific rights under state law, including the Illinois Biometric Information Privacy Act (“BIPA”), enacted in 2008. If we collect biometric information—such as facial recognition data, fingerprints, voiceprints, or similar identifiers—we will provide you with prior written notice, explain the purpose of collection, and obtain your informed, written consent before any such data is captured or stored. We do not sell, lease, or trade biometric data and only retain such information as long as necessary to fulfill the purpose for which it was collected or as otherwise required by law.

In addition, we are committed to protecting the personal information of Illinois residents in accordance with applicable laws regarding data breach notification, transparency, and consumer protection. While Illinois does not currently provide a comprehensive set of consumer privacy rights, we will honor reasonable access, correction, and deletion requests as part of our commitment to transparency and user trust.

To exercise your rights under Illinois law, you may email us at support@joinchargeback.com with “Illinois Privacy Request” in the subject line. We will verify and respond to your request as required by Illinois law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Illinois law.

For Pennsylvania Residents:

If you are a Pennsylvania resident, your personal information is protected under Pennsylvania's consumer protection and data security laws. While Pennsylvania does not currently have a comprehensive consumer privacy statute, we are committed to safeguarding your data and providing transparency regarding how it is collected, used, and shared.

We do not sell your personal information and take reasonable measures to ensure your data is processed securely and in accordance with applicable law. If we become aware of a data breach involving your personal information, we will notify you as required under Pennsylvania's Breach of Personal Information Notification Act.

In line with our broader privacy practices, we will honor reasonable requests from Pennsylvania residents to access, correct, or delete their personal information, subject to verification and applicable legal exceptions.

To exercise your rights under Pennsylvania law, you may email us at support@joinchargeback.com with “Pennsylvania Privacy Request” in the subject line. We will verify and respond to your request as required by Pennsylvania law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Pennsylvania law.

For North Carolina Residents:

If you are a North Carolina resident, your personal information is protected under the North Carolina Identity Theft Protection Act, enacted in 2005, along with related data security laws. Although North Carolina has not enacted a comprehensive consumer privacy law, we remain committed to protecting your information and maintaining transparency about how your data is collected, used, and shared.

In the event of a security breach involving your personal information, we will notify you in accordance with North Carolina’s data breach notification requirements. While not legally required, we will honor reasonable requests from North Carolina residents to access, correct, or delete personal information we have collected, subject to verification and applicable legal exceptions.

To exercise your rights under North Carolina law, please email us at support@joinchargeback.com with “North Carolina Privacy Request” in the subject line. We will verify and respond to your request as required by North Carolina law. If we deny your request, you have the right to appeal our decision following the instructions provided in our response. We do not discriminate against individuals for exercising their rights under North Carolina law.

For Georgia Residents:

If you are a Georgia resident, your personal information is protected under the Georgia Personal Identity Protection Act (O.C.G.A. §§ 10-1-910 to 10-1-912). This law requires businesses to notify individuals of unauthorized access to their unencrypted personal information—such as Social Security numbers, driver’s license numbers, or financial account details—when such access is likely to result in identity theft or fraud. Notifications must be made in the most expedient time possible and without unreasonable delay, subject to law enforcement needs.

To exercise your rights under Georgia law, you may email us at support@joinchargeback.com with “Georgia Privacy Request” in the subject line. We will verify and respond to your request as required by Georgia law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Georgia law.

For Ohio Residents:

If you are an Ohio resident, your personal information is protected under Ohio Revised Code § 1349.19, which requires businesses to notify individuals of any security breaches involving their personal data. This includes unauthorized access to unencrypted personal information such as Social Security numbers, driver's license numbers, or financial account details. Businesses must provide notice to affected individuals within 45 days of discovering such a breach.

To exercise your rights under Ohio law, you may email us at support@joinchargeback.com with “Ohio Privacy Request” in the subject line. We will verify and respond to your request as required by Ohio law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Ohio law.

For Michigan Residents:

If you are a Michigan resident, your personal information is protected under the Michigan Identity Theft Protection Act (MCL § 445.72). This law requires businesses to notify individuals of any security breaches involving their personal data. Personal information includes an individual's first name or initial and last name combined with sensitive data such as Social Security numbers, driver's license numbers, or financial account details. Businesses must provide notice to affected individuals without unreasonable delay after discovering such a breach, unless it is determined that the breach is unlikely to cause substantial harm or identity theft.

To exercise your rights under Michigan law, you may email us at support@joinchargeback.com with “Michigan Privacy Request” in the subject line. We will verify and respond to your request as required by Michigan law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Michigan law.

For Virginia Residents:

If you are a Virginia resident, you may have specific rights under the Virginia Consumer Data Protection Act (“VCDPA”), effective January 1, 2023. These rights include the right to confirm whether we process your personal data and to access such data; the right to correct inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a copy of your personal data in a portable and readily usable format; and the right to opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Virginia law, you may email us at support@joinchargeback.com with “Virginia Privacy Request” in the subject line. We will verify and respond to your request as required by Virginia law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Virginia law.

For Tennessee Residents:

If you are a Tennessee resident, you may have specific rights under the Tennessee Information Protection Act (“TIPA”), which becomes effective on July 1, 2025. Under TIPA, you have the right to confirm whether we process your personal data and to access that data; the right to request correction of inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a portable copy of your personal data; and the right to opt out of the sale of personal data, targeted advertising, and profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Tennessee law, you may email us at support@joinchargeback.com with “Tennessee Privacy Request” in the subject line. We will verify and respond to your request as required by Tennessee law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Tennessee law.

For Washington Residents:

If you are a Washington resident, you may have specific rights under the Washington State Consumer Data Privacy Act, effective March 31, 2024. These rights include the right to confirm whether we are processing your personal data and to access such data; the right to correct inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a portable copy of your personal data; and the right to opt out of the sale of personal data, targeted advertising, and profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Washington law, you may email us at support@joinchargeback.com with “Washington Privacy Request” in the subject line. We will verify and respond to your request as required by Washington law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Washington law.

For Arizona Residents:

If you are an Arizona resident, your personal information may be protected under various state laws, including Arizona’s data breach notification statute (A.R.S. § 18-552), which requires businesses to notify individuals of any unauthorized acquisition of unencrypted and unredacted personal information that poses a substantial risk of identity theft or fraud. While Arizona does not currently have a comprehensive consumer privacy law granting specific access, deletion, or opt-out rights similar to other states, we are committed to handling your personal information responsibly and transparently.

To exercise your rights under Arizona law, you may email us at support@joinchargeback.com with “Arizona Privacy Request” in the subject line. We will verify and respond to your request as required by Arizona law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Arizona law.

For New Jersey Residents:

If you are a New Jersey resident, you may have specific rights under the New Jersey Data Privacy Act (“NJDPA”), effective January 15, 2025. These rights include the right to confirm whether we process your personal data and to access such data; the right to request correction of inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a portable copy of your personal data; and the right to opt out of the sale of personal data, targeted advertising, and profiling in connection with automated decision-making that produces legal or similarly significant effects.

To exercise your rights under New Jersey law, you may email us at support@joinchargeback.com with “New Jersey Privacy Request” in the subject line. We will verify and respond to your request as required by New Jersey law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under New Jersey law.

For Missouri Residents:

If you are a Missouri resident, your personal information is protected under Missouri’s data breach notification law (Mo. Rev. Stat. § 407.1500), which requires businesses to notify individuals of any unauthorized access to unencrypted personal information that could result in identity theft or other harm. While Missouri does not currently have a comprehensive consumer privacy law providing rights such as access, deletion, or opt-out of personal data sales, we are committed to protecting your information and maintaining transparency about how we collect, use, and share your data.

To exercise your rights under Missouri law, you may email us at support@joinchargeback.com with “Missouri Privacy Request” in the subject line. We will verify and respond to your request as required by Missouri law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Missouri law.

For Indiana Residents:

If you are an Indiana resident, you may have specific rights under the Indiana Consumer Data Protection Act (INCDPA), which becomes effective on January 1, 2026. These rights include the right to confirm whether we process your personal data and to access such data; the right to request correction of inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a portable copy of your personal data; and the right to opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Indiana law, you may email us at support@joinchargeback.com with “Indiana Privacy Request” in the subject line. We will verify and respond to your request as required by Indiana law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Indiana law.

For Colorado Residents:

If you are a Colorado resident, you may have specific rights under the Colorado Privacy Act (CPA), effective July 1, 2023. These rights include the right to confirm whether we process your personal data and to access such data; the right to correct inaccuracies in your personal data; the right to request deletion of personal data we have collected from or about you; the right to obtain a portable copy of your personal data; and the right to opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise your rights under Colorado law, you may email us at support@joinchargeback.com with “Colorado Privacy Request” in the subject line. We will verify and respond to your request as required by Colorado law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Colorado law.

For Massachusetts Residents:

If you are a Massachusetts resident, your personal information is protected under the Massachusetts Data Breach Notification Law (M.G.L. c. 93H) and the Standards for the Protection of Personal Information (201 CMR 17.00). These laws require businesses that own or license personal information of Massachusetts residents to implement a comprehensive written information security program and to notify affected individuals, the Massachusetts Attorney General’s Office, and the Office of Consumer Affairs and Business Regulation in the event of a data breach involving unencrypted personal information that creates a substantial risk of identity theft or fraud. While Massachusetts does not currently have a comprehensive consumer privacy law granting specific rights such as access, deletion, or opt-out of personal data sales, we are committed to protecting your information and maintaining transparency about how we collect, use, and share your data.

To exercise your rights under Massachusetts law, you may email us at support@joinchargeback.com with “Massachusetts Privacy Request” in the subject line. We will verify and respond to your request as required by Massachusetts law. If we deny your request, you have the right to appeal our decision using the instructions provided in our response. We do not discriminate against individuals for exercising their rights under Massachusetts law.

As privacy laws continue to expand across the United States, we will update this section to reflect new rights and obligations. If you reside in a state not listed above and would like to inquire about your specific rights under applicable laws, please contact us at support@joinchargeback.com, and we will do our best to respond in accordance with the laws governing your jurisdiction.

7. International Specific Laws.

Canada:

If you are a Canadian resident, your personal information is protected under the Personal Information Protection and Electronic Documents Act (PIPEDA), as well as applicable provincial privacy laws. Subject to certain limitations, you have the right to request access to the personal information we hold about you, request correction of any inaccurate or incomplete information, and withdraw consent to our collection, use, or disclosure of your personal information at any time. We collect, use, and disclose personal information only for purposes that a reasonable person would consider appropriate under the circumstances, and we retain your data only as long as necessary to fulfill those purposes. If you wish to exercise your rights under Canadian law, you may contact us at support@joinchargeback.com with “Canada Privacy Request” in the subject line. We will respond in accordance with the timelines and procedures required under applicable Canadian privacy legislation.

As privacy regulations continue to evolve across Canada—both federally and at the provincial level—we will update this section to reflect new rights and requirements under applicable laws, including future amendments to PIPEDA or the introduction of new provincial frameworks. If you reside in Canada and have questions about how your personal information is handled or would like to inquire about your specific rights under Canadian privacy laws, please contact us at support@joinchargeback.com, and we will do our best to respond in accordance with applicable legislation.

European Union:

If you are located in the European Union or European Economic Area, your personal data is protected under the General Data Protection Regulation (GDPR). You have the right to access the personal data we hold about you, request correction of inaccurate data, request deletion of your personal data (the "right to be forgotten"), object to or restrict certain types of processing, and request a portable copy of your data in a structured, commonly used, and machine-readable format. You also have the right to withdraw consent where processing is based on consent, and to lodge a complaint with your local data protection authority. We process your personal data based on lawful grounds such as your consent, the performance of a contract, compliance with legal obligations, or our legitimate interests.

We recognize and respect the evolving data protection landscape across the European Union and European Economic Area. As changes to the General Data Protection Regulation (GDPR) or related regional frameworks occur, we will update this section accordingly. If you are located in the EU/EEA and have any questions regarding your rights under the GDPR or how we process your personal data, please contact us at support@joinchargeback.com, and we will respond in accordance with applicable EU law and guidance.

8. Changes and updates to this Privacy Policy.

We will keep this Privacy Policy under regular review and send you an alert via the Sites if we make any material changes or updates. All changes shall be effective from the date of publication unless otherwise provided in the notification. You are solely responsible for reviewing this Privacy Policy for any changes. In the event we make material changes to this Privacy Policy, as determined by us in our sole discretion, we will seek your opt-in consent. Your continued use of the Sites or the services provided in connection thereto following any non-material changes to this Privacy Policy will indicate your acknowledgement of and implied consent to such non-material changes and agreement to be bound by the terms of such changes. If the changes to this Privacy Policy are material changes and you do not provide your opt-in acceptance to them, then you will not be able to use your Chargeback account and it may be deactivated. You agree that, upon your implied or opt-in consent, the updated Privacy Policy applies to all of your personal information, including the personal information collected before the changes went into effect.

9. How to contact us.

If you would like any further information about how we collect, use or share your personal information then you can contact us using the details below:

  • By email at: support@joinchargeback.com –please include the words ‘Privacy request’ in the title bar of any emails yousend to us.
  • By writing to us at: 99 Wall Street,#2712, New York, NY 10005.

Google API Restricted Scope,

Chargeback (a product from Fooga, Inc.) fits under the 'reporting and monitoring' definition of the Google API restricted scope. Chargeback's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, Google's Privacy Policy and Google's Terms of Service, including the Limited Use requirements. For more information please consult our Privacy Policy (below) and our Terms and Conditions. For any further questions please email support@joinchargeback.com