Welcome to Chargeback, an online service owned and operated by Fooga Inc. d/b/a Chargeback (“Chargeback,” “we,” and “us”). Chargeback is a subscription management platform that helps users identify and cancel unwanted recurring charges through email and bank account integrations.

Please read through these Terms of Use (the “Terms”) to learn about the rules and restrictions that govern your use of our website(s), products, services, and applications (collectively, the “Services”). The Terms, including all terms, conditions, and policies referenced here, form a binding contract between you and Chargeback. You must agree to and accept all of the Terms to have the right to use the Services. Your use of the Services in any way means that you agree to all of these Terms, and these Terms will remain in effect while you use the Services.

We reserve the right, at our discretion, to change, modify, add, or remove portions of the Terms or any such additional terms and conditions or policies at any time. Please check these Terms and any such additional terms and conditions or policies referenced herein periodically for changes. Your continued use of the Services following the posting of changes to the Terms or any such additional terms and conditions or policies referenced herein will mean you accept those changes.

If you have any questions or concerns regarding the Terms or the Services, please contact us at support@joinchargeback.com.

1. Services.

Chargeback is a financial optimization platform designed to help users save money and reduce unnecessary expenses. In addition to identifying, managing, and canceling unwanted recurring subscriptions, Chargeback may assist users with a variety of savings-related services, such as negotiating lower rates on bills, securing refunds for disrupted travel or other eligible purchases, identifying duplicate or erroneous charges, and uncovering overlooked financial inefficiencies. Whether through concierge support or automated tools, Chargeback is focused on delivering proactive, user-centric solutions that improve financial well-being. Through secure integrations with users’ email accounts and, optionally, their bank accounts (including services such as MoneyKit), Chargeback detects recurring payments and facilitates cancellation requests with merchants and service providers. The cancellation process is typically completed within one (1) hour, subject to the customer’s timely cooperation.

Chargeback currently operates in the United States, with plans to expand availability to users in Canada, the United Kingdom, and Australia. While the core service is designed for U.S.-based institutions and providers, users outside the United States may experience varying levels of service performance depending on integration and provider compatibility.

Access to the Services and its features is currently offered on a subscription basis. Users pay a recurring membership fee for the concierge-level service and access to the platform. In addition to membership fees, Chargeback may receive compensation through affiliate partnerships with third-party providers. When applicable, we may recommend third-party services or products and receive a referral commission if users engage with such offerings.

From time to time, Chargeback may also offer optional features or services—such as bill negotiation or savings optimization—on a performance-based or success-fee basis. In such cases, users will be informed in advance of any applicable pricing structure, including whether fees are calculated as a percentage of verified savings.

2. Refund Policy.

Chargeback may offer a 100% money-back guarantee for qualifying users who are not satisfied with the Service. Please refer to our Refund Policy for more details, if and when applicable.

3. User Accounts and Access.

In order to use the Services, you will be required to create an account with us. Each user that creates such an account must (i) personally provide true, accurate, current, and complete information on the applicable registration form (collectively, the “Registration Data”) and (ii) maintain and promptly update the Registration Data as necessary to keep it true, accurate, current, and complete.

For the avoidance of doubt, you may access the Services using certain third-party login providers, such as Apple or Google. Login through other social networking platforms (e.g., Facebook) is not currently supported. We reserve the right to add or remove supported third-party login options at any time in our sole discretion. If you choose to access the Services through a third-party provider, your use of that login method is subject to the terms, conditions, and privacy policies of the applicable third-party platform, and the Company is not responsible for any acts or omissions of such third parties.

A user may receive passwords and account designations upon creating an account and is wholly responsible for maintaining the confidentiality of such passwords or designations. You must not disclose them to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Services using your passwords and account designations. You agree to notify us immediately of any unauthorized access to or use of your account or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

The Services are only offered and available to users who are 18 years of age or older, or of legal age to contract, whichever is older. While we do not currently perform age verification, we reserve the right to implement such measures in the future to ensure compliance with age-related restrictions.

You represent and warrant that you will only use the Services for your own internal, personal, non-commercial use, and not on behalf of or for the benefit of any third party, and only in a manner that complies with all applicable local, state, national, and international laws, rules, and regulations, including, without limitation, privacy laws, intellectual property laws, and regulatory requirements.

Further, you represent, warrant, and agree that you will not contribute any Content or User Submission (each of those terms as defined below) or otherwise use the Services or interact with the Services in a manner that:

• Infringes, misappropriates, or otherwise violates the intellectual property rights or other proprietary rights of any third party (including Chargeback);
• Violates any applicable law, regulation, or governmental order, including export control laws;
• Is unlawful, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, offensive, or otherwise objectionable;
• Compromises the security of your Chargeback account or any other account (e.g., by permitting unauthorized access or impersonation);
• Attempts to obtain or misuse any password, account information, or other security credentials of another user;
• Breaches the security of any network, or attempts to probe, scan, or test the vulnerability of any system or network without authorization;
• Uses any automated system, including without limitation “robots,” “spiders,” “offline readers,” or similar tools, to access the Services in a manner that sends more request messages to our servers than a human can reasonably produce in the same period;
• Transmits or enables the sending of unsolicited email, junk mail, “spam,” or chain letters through or in connection with the Services;
• Runs any processes that operate or are activated while the user is not actively logged in, or otherwise interferes with the proper functioning of the Services, including by placing an unreasonable load on the system infrastructure;
• Accesses, scrapes, crawls, indexes, or otherwise collects information from any part of the Services or Content through unauthorized means;
• Copies, stores, republishes, or distributes any substantial portion of the Content, except as expressly permitted by the Company;
• Decompiles, reverse engineers, disassembles, or otherwise attempts to derive the source code or underlying structure, ideas, or algorithms of the Services.

If, at any time, you do not meet all of these requirements or violate any of the foregoing, your authorization to use the Services is immediately revoked, you must not access or use the Services, and you must immediately delete your account.

4. User Credentials.

As part of your use of the Services, you may be required to provide login credentials, passwords, multi-factor authentication tokens, or other security information associated with your accounts held by third parties — including banks, credit card issuers, insurance providers, internet or cable service providers, and other financial or service institutions (“User Credentials”). These credentials allow us to access and retrieve data from such third-party accounts (each a “Third-Party Provider”), including financial transactions, billing information, account usage details, and other associated data (collectively, your “Account Information”).

By submitting your User Credentials, you expressly authorize and direct us to use them to access, retrieve, and analyze your Account Information solely for the purpose of providing you with the Services. This may include, without limitation: identifying recurring charges; detecting and notifying you of potential unwanted subscriptions; facilitating the cancellation of those subscriptions; coordinating communications with Third-Party Providers on your behalf (including through automated systems or SMS communications); and, in some cases, presenting or assisting with alternative offers or negotiating potential discounts, if applicable.

You understand and agree that:

• We are not affiliated with or endorsed by any Third-Party Provider;
• Your use of the Services does not modify your existing relationship with any such provider; and
• YoYou are solely responsible for ensuring that your use of the Services complies with any applicable contractual terms or policies governing your accounts with those Third-Party Providers.

You grant us a limited power of attorney and expressly appoint us, and our authorized agents, as your true and lawful attorney-in-fact and agent, with full authority to access and interact with your accounts maintained by Third-Party Providers, retrieve Account Information, and take actions on your behalf in connection with the Services. This authorization is strictly limited to the scope necessary to provide the Services and does not grant us rights beyond those needed to act as your agent.

You further agree and acknowledge that when we access or interact with your accounts, we are doing so on your behalf as your authorized agent, and not as the agent of, or on behalf of, any third party. Your authorization shall remain in effect unless and until you revoke it by terminating your use of the Services and revoking our access through your account settings or applicable means provided by your Third-Party Provider.

For more information on how we use, store, and protect your User Credentials and Account Information, please refer to our Privacy Policy.

5. Content Ownership.

The Services contain various forms of content, including text, software, scripts, graphics, data, images, sounds, music, videos, interactive features, user-generated content, and other materials (collectively, “Content”). All trademarks, service marks, and logos displayed within the Services are either owned by or licensed to Chargeback. The Content, whether copyrighted, trademarked, or otherwise protected, is provided solely for your personal, non-commercial use in accordance with these Terms.

Additionally, the Services may feature descriptions and information about products and services offered by third parties. However, Chargeback does not control these third parties, and while we strive to ensure accuracy, all Content is provided “AS IS,” and Chargeback makes no guarantees regarding its accuracy, reliability, or completeness. Users acknowledge that information displayed within the Services may sometimes be outdated, incomplete, or contain errors, and Chargeback assumes no liability for any inaccuracies.

You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services. You agree not to use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, or otherwise exploit any Content not owned by you (i) without the prior written consent of the owner of that Content or (ii) in a way that violates someone else’s (including Chargeback’s) rights.

You understand that Chargeback owns the Services. You agree not to modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works based on, or otherwise exploit any part of the Services.

6. User Generated Content.

In the course of using the Services, you may post or upload text and other content ("User Submissions") which may be used by us in connection with the Services and which may be visible to certain other users. By submitting User Submissions, you grant us a worldwide, perpetual, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and publicly perform the User Submissions in connection with the Services. This includes, but is not limited to, promoting and redistributing such User Submissions across various media platforms. Depending on your settings and the relevant third-party network policies, User Submissions may also be viewed and shared by others, including on external platforms.

Any feedback, comments, or suggestions you provide regarding the Services ("Feedback") will become the sole and exclusive property of Chargeback, and you irrevocably assign all rights, titles, and interests in such Feedback to us.

When submitting User Submissions, you agree not to upload material that infringes on intellectual property, privacy, confidentiality, or publicity rights, nor content that is false, misleading, unlawful, obscene, defamatory, threatening, harassing, hateful, or otherwise inappropriate. You further agree not to post advertisements, spam, chain letters, or impersonate another person.

Chargeback does not endorse or take responsibility for any User Submissions and expressly disclaims any liability arising from it. We reserve the right to determine, at our sole discretion, whether submitted User Submissions violate these Terms. Chargeback may remove such content at its sole discretion and suspend or terminate your access to the Services without prior notice if you violate these Terms. We willfully cooperate with law enforcement or legal requests to disclose the identity of users who violate applicable laws or these Terms through their posted User Submissions.

7. Links and Other Features.

The Services may contain links to third-party websites or resources, including links embedded in advertisements such as banner ads and sponsored content. These links are provided solely for your convenience. Chargeback does not control, endorse, or assume any responsibility for the content, accuracy, policies, practices, or availability of any third-party websites or services. Your use of such websites is entirely at your own risk and is subject to the terms and conditions of those third parties.

We make no warranties or representations regarding any third-party content, products, or services that may be accessed through links provided within the Services, and we will not be liable for any loss or damage that may arise from your use of such sites.

Linking to Our Services

You may link to publicly available pages of the Services, provided that:

• The link is presented in a fair, legal, and non-misleading manner;
• You do not imply any affiliation, sponsorship, approval, or endorsement by Chargeback without our express prior written consent;
• You do not damage or dilute the good will associated with our brand; and
• You must not establish a link to the Services from any website that is not owned or law fully operated by you.

Reservation of Rights

We reserve the right to revoke linking permissions at any time and for any reason without prior notice. You agree to immediately cease any unauthorized linking or embedding upon our request and to cooperate fully with us to ensure compliance.

We may disable any or all social media features and links at our sole discretion without notice.

8. Copyright.

Chargeback respects the intellectual property rights of others and requires all users of the Services to do the same. We have a policy of responding promptly to claims of copyright infringement and taking appropriate action when necessary. If you believe that your copyrighted work has been copied and made available in connection with the Services in a way that constitutes copyright infringement, you may submit a written notice to our Designated Agent with the following information:(i) your electronic or physical signature, or that of a person authorized to act on your behalf;(ii) identification of the copyrighted work you claim has been infringed;(iii) identification of the allegedly infringing material, including sufficient details to allow Chargeback to locate it (such as a full URL or description);(iv) your name, address, telephone number, and email address;(v) a statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law; and(vi) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

If you believe your content was removed or access to it was disabled in error, and that you have the right to use the material under copyright law or with authorization from the copyright owner, you may submit a counter-notice to our Designated Agent with the following:(i) your physical or electronic signature;(ii) identification of the material that was removed or disabled, including its prior location before removal;(iii) a statement that you have a good faith belief that the material was removed or disabled due to mistake or misidentification;(iv) your name, address, telephone number, and email address, along with a statement that you consent to the jurisdiction of the federal court for the judicial district in which your address is located, or if outside the United States or Canada, any judicial district in which Chargeback operates; and(v) a statement that you will accept service of process from the original complaining party.

If a valid counter-notice is received, Chargeback will send a copy to the original complainant, informing them that the removed content may be restored or access re-enabled within ten (10) to fourteen (14) business days, unless the copyright owner files a court action to prevent reinstatement. Chargeback reserves the right to determine, at its sole discretion, whether to restore the content.

Designated Agent:

Fooga, Inc

99 Wall Street, #2712, New York, NY 10005

support@joinchargeback.com

subject: “Copyright Inquiry”

9. SMS and Text Communications.

As part of our auto-cancellation service, Chargeback may send SMS messages to confirm subscription terminations. You must respond within the stated timeframe to prevent accidental cancellations of active subscriptions. Standard carrier rates may apply.

If you wish to opt out of receiving text messages, you can do so at any time by replying "STOP" to any message. Upon sending "STOP," you may receive a confirmation message verifying that you have been unsubscribed. Once processed, you will no longer receive text messages from that specific program or short code. However, if you are subscribed to multiple text programs, you may continue to receive messages from other subscriptions unless you opt out of them individually.

10. Communications and Information Use.

By using the Services and creating a Chargeback account, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy. This information may be provided directly by you, collected through your interactions with the Services or our website, obtained from integrated service providers, or submitted by others who refer or invite you to use the Service.

You acknowledge that Chargeback uses third-party service providers to help deliver its services. These may include vendors such as Recurly, MongoDB, Mixpanel, Twilio, Meta, OpenAI, MoneyKit, and others. Your data may be shared with or processed by these providers solely as necessary to deliver core functionality. Sensitive data, such as financial and login credentials, are encrypted in transit and stored in accordance with industry best practices. Credit card and payment data are processed securely through third-party vault providers.

Please refer to our Privacy Policy for additional information about how your data is collected, used, and protected.

11. Modification of the Services.

Chargeback reserves the right to modify, discontinue, or terminate any aspect of the Services at its sole discretion. This includes changes to these Terms, adjustments to the services, programs, or platforms, or the introduction of fees for certain services. Chargeback may also discontinue the Services entirely. Any updates to these Terms will be posted on our website, or communicated through other official channels. Revised terms will take effect immediately upon posting, or as soon as legally permitted, and will apply to all users regardless of account status. If any modification to the Terms or the Services is unacceptable to you, or if it results in non-compliance with these Terms, you must discontinue use and, if necessary, terminate your account. In such cases, Chargeback reserves the right to revoke any unredeemed Chargeback services after providing prior notice. By continuing to access or use the Services after changes take effect, you acknowledge and agree to be bound by the updated Terms.

12. Termination or Cancellation of Your Account.

You may terminate your Chargeback account at any time by deleting your account through Chargeback’s website or submitting a written request to our support team at support@joinchargeback.com. Once your account is canceled, it will become inaccessible, and all access to the Services will be forfeited. Chargeback will process termination requests within thirty (30) days of receipt. Chargeback reserves the right to immediately terminate or suspend your account, restrict your access to the Services, or remove any associated content if you violate these Terms, engage in fraudulent or improper conduct, or breach any applicable policies, all at our sole discretion and without prior notice. Termination may also result in disqualification from future participation in Chargeback programs or services. Any suspension, termination, or cancellation does not affect your obligations under these Terms, including those related to indemnification and limitation of liability, which will survive account termination. Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Chargeback will not be liable for any losses resulting from account termination or restriction. If your account is inactive for one hundred eighty (180) days or more, Chargeback may, at its sole discretion and without notice, deem the account inactive and terminate it. We are committed to maintaining a fair and rewarding experience for all users. If you have any questions or concerns about your account, please contact our support team at support@joinchargeback.com.

13. Assignment.

We reserve the right to assign or transfer our rights and obligations under these Terms. These Terms are personal to you and, as a result, you may not, without the written consent of Chargeback, assign or transfer any of your rights and obligations under these Terms. There shall be no third-party beneficiaries to these Terms.

14. Disclaimer of Warranties.

Chargeback does not guarantee continuous, uninterrupted access to the Services. The availability and performance of the Services may be affected by various factors beyond our control, including network congestion, service disruptions, third-party system failures, and unforeseen technical issues. When accessing the Services through a mobile device, you acknowledge that standard charges, data rates, and other fees imposed by your wireless carrier may apply. Chargeback assumes no responsibility or liability for any such charges.

We cannot and do not guarantee that your use of the Services will be free from errors, disruptions, viruses, or other harmful code. You are solely responsible for implementing appropriate security measures, such as using updated antivirus software and maintaining backups of your data. To the fullest extent permitted by law, Chargeback will not be liable for any loss or damage caused by distributed denial-of-service (DDoS) attacks, malware, viruses, or other harmful technology that may infect your device, software, or data due to your access to or use of the Services, including any downloads or links provided within the platform.

Your use of the Services and any content or services obtained through it is at your own risk. The Services, including all content, are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied. Chargeback does not guarantee the accuracy, reliability, security, or availability of the Services or that any defects will be corrected. We do not warrant that the platform will operate error-free, without interruption, or in a manner that meets your specific needs or expectations.

To the fullest extent permitted by law, Chargeback expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, non-infringement, and fitness for a particular purpose. Nothing in this provision affects any warranties that cannot be excluded or limited under applicable law.

15. Limitations of Liability.

To the maximum extent permitted by applicable law, Chargeback shall not be liable for any damages caused unintentionally, nor shall we be liable for any actual, special, incidental, indirect, or consequential damages, however caused. Nothing in these Terms shall be interpreted as limiting or excluding liability that cannot be limited or excluded under applicable law. In particular, Chargeback shall not be liable for (i) loss of revenue; (ii) loss of actual or anticipated profits; (iii) loss of use of funds; (iv) loss of anticipated savings; or (v) loss, corruption, or damage to data, devices, systems, or programs, whether arising in contract, tort (including negligence and strict liability), or otherwise, even if such damages were foreseeable or known. Because some jurisdictions do not allow certain exclusions or limitations of liability, some or all of the above limitations may not apply to you. If you are dissatisfied with any portion of the Services or content, or with any provision of these Terms, your sole and exclusive remedy is to stop using the Services. Although Chargeback will not be liable for losses resulting from unauthorized use of your account, you may be held responsible for damages incurred by Chargeback or others if your account is used in violation of these Terms. In no event shall Chargeback’s total aggregate liability, arising from or relating to these Terms or the use of or inability to use the Services, exceed the amount you have paid to Chargeback in the past 12 months or one hundred dollars ($100 USD), whichever is greater. These limitations and exclusions of liability form a fundamental element of the agreement between you and Chargeback.

16. Indemnification.

You agree to defend, indemnify, and hold harmless Chargeback, along with its affiliates, officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including but not limited to attorney’s fees) arising from: (i) your use of or access to the Services or Content; (ii) your violation of these Terms; (iii) your infringement of any third-party rights, including, but not limited to, copyright, property, privacy, or confidentiality rights; or (iv) any claim that your User Submissions caused harm or damage to a third party. This indemnification obligation will survive the termination of these Terms, your account, and your continued use of the Services and Content.

17. Dispute Resolution.

If a dispute arises between you and Chargeback, our goal is to provide a neutral, efficient, and cost-effective resolution. Before initiating formal legal action, you agree to first contact our customer support team at support@joinchargeback.com to attempt to resolve the issue informally. If we are unable to resolve your dispute, you and Chargeback agree that any dispute, claim, or controversy arising from or related to these Terms or the Services shall be resolved through binding arbitration instead of in court, except that you may bring an eligible claim in small claims court if it qualifies. Additionally, both you and Chargeback retain the right to file a lawsuit solely for the purpose of protecting intellectual property rights or preventing unauthorized access, fraud, or abuse of the platform.

Both you and Chargeback waive any right to a jury trial, and agree that any arbitration or legal dispute shall be conducted on an individual basis—not as a class action, collective action, or other representative proceeding. The arbitrator may not consolidate multiple claims or preside over any form of a class, consolidated, or representative action without the express written consent of all parties. This arbitration agreement does not prevent you from bringing concerns to the attention of federal, state, or local agencies, which may seek relief on your behalf if allowed by law. This arbitration agreement shall survive the termination of your account and the termination of this agreement.

To initiate arbitration, you must send a written demand for arbitration to Legal Department at Fooga, Inc., 99 Wall Street, #2712, New York, NY 10005, and legal@joinchargeback.com. The arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by this Agreement. The AAA rules and filing instructions are available at www.adr.org or by calling 1-800-778-7879.

Unless you and Chargeback agree otherwise, arbitration will be conducted in the county where you reside. If your claim is for $10,000 or less, the arbitration will be conducted solely based on documents submitted to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be governed by the AAA Rules. The arbitrator has the discretion to allow a reasonable exchange of information between both parties, consistent with the streamlined nature of arbitration.

The arbitrator shall render an award within the time frame specified in the AAA Rules and shall provide a written decision stating the essential findings and legal conclusions. Any judgment on the arbitration award may be entered in a court of competent jurisdiction. The arbitrator’s decision shall comply with the limitations set forth in the "Limitation of Liability" section of these Terms. The arbitrator may award declaratory or injunctive relief only to the extent necessary to resolve the individual claim at hand.

If you prevail in arbitration, you may be entitled to an award of attorneys' fees and costs, as permitted by applicable law. Chargeback waives any right to seek attorneys' fees or costs unless the arbitrator finds that your claim was frivolous or brought for an improper purpose.

Your responsibility to pay any arbitration filing, administrative, or arbitrator fees will be governed by the AAA Rules.

If any portion of this Arbitration Agreement is found to be unenforceable, the remainder of the Agreement shall continue in full force and effect.

18. Miscellaneous.

Notwithstanding any other provision of these Terms, if we modify the Dispute Resolution section after the date you first accepted these Terms (or any subsequent revisions), you may reject the change by sending written notice to support@joinchargeback.com within thirty (30) days of the change becoming effective, as indicated by the “Last Updated” date or as communicated via email. If you choose to reject the modification, you agree that any dispute between you and Chargeback will be governed by the version of the Dispute Resolution section in effect at the time you first accepted these Terms (or the most recent version you accepted).

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. Where possible, any invalid or unenforceable provision shall be modified or replaced with a valid and enforceable term that reflects the original intent as closely as possible.

Failure by Chargeback to enforce any provision of these Terms shall not be considered a waiver of our right to enforce the same provision or any other provision in the future. Similarly, any waiver of a specific breach or violation shall not be interpreted as a waiver of any subsequent breaches or violations.

These Terms, along with any referenced policies, legal notices published within the Services, and any official communications from Chargeback, constitute the entire agreement between you and Chargeback regarding your use of the Services. This Agreement supersedes all prior and contemporaneous understandings or agreements, whether written or oral, unless expressly stated otherwise by Chargeback.

If you have any questions, comments, or concerns regarding these Terms, or if you need assistance with your account, please contact our Customer Support Team at support@joinchargeback.com.

For legal inquiries related to these Terms, please contact us at legal@joinchargeback.com.