ChargebackZ3N Terms & Conditions
ChargebackZ3N Terms of Service
Last Updated: January 2026
1. Parties and Scope
These Terms of Service ("Terms") constitute a binding agreement between you, the merchant ("Merchant"), and CARDZ3N, Inc. ("ChargebackZ3N"). By accessing or using the ChargebackZ3N website, platform, or services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the services.
These Terms apply both to individual users and to any organization or entity they represent. By using the services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
What the Service Covers
ChargebackZ3N provides:
- Chargeback contesting services with major card brands
- Chargeback-reduction and fraud-prevention services for ecommerce businesses
- Analytics and reporting tools for chargeback management
- Additional services as outlined in your Chargeback Service Application
2. Service, Data, and Ownership
ChargebackZ3N will perform the services set out in your Chargeback Service Application. You must supply all required data and information necessary for ChargebackZ3N to deliver those services effectively.
Services and deliverables are provided "as is" and "as available" without modification unless otherwise agreed in writing.
Merchant Warranties
You warrant that:
- Any "Outcome Information" you provide (e.g., dispute results, transaction data) is accurate and complete
- You have the legal right to share all data provided to ChargebackZ3N
- ChargebackZ3N may use such information for loss-risk evaluation and loss-avoidance activities
- All information provided complies with applicable privacy laws and regulations
Ownership and Intellectual Property
ChargebackZ3N retains all rights, title, and interest in:
- The ChargebackZ3N platform, services, and deliverables
- All related confidential information and intellectual property
- Proprietary algorithms, methodologies, and processes
You receive a limited, non-exclusive, non-transferable license to use the services and deliverables solely for your internal business purposes. This license grants usage rights only, not ownership.
Usage Restrictions
You may not:
- Reverse engineer, decompile, or disassemble any part of the services
- Circumvent any access controls or security measures
- Copy, modify, or create derivative works of the services
- Use the services to provide services to third parties
- Engage in any activity that interferes with or disrupts the services
3. Accounts, Fees, and Payment
Account Registration
To use ChargebackZ3N services, you must:
- Create and maintain an account with accurate, current information
- Keep your login credentials secure and confidential
- Notify ChargebackZ3N immediately of any unauthorized access
- Accept responsibility for all activities under your account
- Maintain a valid payment method in the ChargebackZ3N portal for the duration of service use
Fees and Billing
You must pay all fees in accordance with your Chargeback Service Application and the pricing terms communicated to you. Payment terms include:
Payment Due Date: Payment is due within 5 days of invoice date. ChargebackZ3N will charge the payment method on file on or before the due date.
Failed Payments: If a charge fails and you do not promptly pay after written demand, this constitutes a material breach of these Terms.
Late Payments: Unpaid amounts accrue interest at 1.5% per month (18% per annum) or the maximum rate permitted by applicable law, whichever is lower.
Fee Changes: ChargebackZ3N may change fees upon 30 days' written notice. Continued use of the services after the notice period constitutes acceptance of the new fees.
Taxes: You are responsible for all applicable taxes, duties, and governmental charges (other than CARDZ3N's income taxes) related to your use of the services.
No Refunds: Except as expressly stated in these Terms or required by law, all fees are non-refundable.
4. Term, Termination, and Modifications
Term
These Terms remain in effect for as long as you use the ChargebackZ3N services.
Termination Rights
Termination for Convenience: Either party may terminate this agreement at any time, for any reason, with 14 days' prior written notice to the other party.
Termination for Cause: Either party may terminate immediately upon written notice if:
- The other party commits a material breach that is not cured within 30 days after written notice
- The other party becomes insolvent, files for bankruptcy, makes an assignment for the benefit of creditors, or undergoes dissolution
Suspension by ChargebackZ3N: ChargebackZ3N may suspend or revoke your access to the services at any time if you violate these Terms, without prior notice if necessary to protect ChargebackZ3N or other users.
Effects of Termination
Upon termination:
- You must immediately cease all use of the services and deliverables
- Your obligation to pay all outstanding fees continues
- You must return or destroy all ChargebackZ3N confidential information
- Provisions regarding confidentiality, privacy, payment obligations, indemnification, disclaimers, and limitation of liability survive termination
Service Modifications and Discontinuation
ChargebackZ3N may modify, suspend, or discontinue any part of the website or services at any time without prior notice. If ChargebackZ3N permanently discontinues the entire service, ChargebackZ3N may provide a prorated refund of prepaid subscription fees for the unused portion of your subscription term.
5. Data, Privacy, and Third-Party Content
Privacy Policy
The ChargebackZ3N Privacy Policy (https://cardz3n.com/privacy-policy) is incorporated into these Terms by reference. Your data will be collected, used, and protected as described in the Privacy Policy. By using the services, you consent to such collection and use.
Data Obligations
You must not provide data to ChargebackZ3N that:
- Violates the intellectual property rights or privacy rights of others
- Contains malicious code or harmful components
- Violates any applicable law or regulation
- Is false, misleading, or deceptive
Third-Party Content
The ChargebackZ3N website and services may contain links to third-party websites, services, or content. ChargebackZ3N is not responsible for:
- The accuracy, completeness, or reliability of third-party content
- Any damages or losses caused by your use of third-party services
- The privacy practices of third-party websites
Your use of third-party services is governed by their respective terms and policies.
6. Indemnification
You agree to indemnify, defend, and hold harmless ChargebackZ3N and its affiliates, officers, directors, employees, agents, contractors, licensors, and third-party service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
- Your use of the ChargebackZ3N website, services, or content
- Your breach of these Terms
- Your violation of any applicable law or regulation
- Your violation of any rights of another person or entity
- Your negligence or willful misconduct
- Any data or content you provide to ChargebackZ3N
ChargebackZ3N reserves the right to assume exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with ChargebackZ3N in asserting any available defenses.
7. Disclaimers and Warranties
Use at Your Own Risk
Your use of the ChargebackZ3N website, services, and content is at your sole risk. You are solely responsible for any damage to your computer system or loss of data resulting from your use of the services.
"As Is" Provision
To the maximum extent permitted by applicable law, the website, services, and content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability
- Warranties of fitness for a particular purpose
- Warranties of non-infringement
- Warranties of accuracy, reliability, or completeness
- Warranties that the services will be uninterrupted, secure, or error-free
ChargebackZ3N does not warrant that:
- The services will meet your specific requirements
- The services will be available at all times
- Any errors in the services will be corrected
- The results obtained from the services will be accurate or reliable
Results Not Guaranteed
While ChargebackZ3N will use commercially reasonable efforts to contest chargebacks on your behalf, ChargebackZ3N makes no guarantee regarding the outcome of any specific chargeback dispute or the overall effectiveness of the services for your particular business.
8. Limitation of Liability
To the maximum extent permitted by applicable law:
Types of Damages Excluded
ChargebackZ3N is not liable for any:
- Lost profits or revenue
- Lost data or business opportunities
- Special, incidental, or indirect damages
- Punitive, consequential, or exemplary damages
This exclusion applies even if ChargebackZ3N has been advised of the possibility of such damages.
Liability Cap
ChargebackZ3N's total aggregate liability arising out of or relating to:
- The website, services, or content
- These Terms
- Your use of or inability to use the services
Is limited to the fees you paid to ChargebackZ3N in the six (6) months immediately preceding the event giving rise to liability, and in no event will exceed $10,000 USD.
Essential Purpose
These limitations apply regardless of the legal theory on which a claim is based (contract, tort, negligence, strict liability, or otherwise) and constitute an essential element of the agreement between you and ChargebackZ3N.
Jurisdictional Exceptions
Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, the above exclusions and limitations apply only to the maximum extent permitted by law.
9. Merchant Representations
By entering into this agreement, you represent and warrant that:
- You are duly organized, validly existing, and in good standing under the laws of your jurisdiction
- You have full power and authority to enter into and perform these Terms
- These Terms constitute a valid and binding obligation enforceable against you
- You will comply with all applicable laws, regulations, and payment card brand rules in connection with your use of the services
- You are not currently party to any litigation or proceeding that would materially impact your ability to perform under these Terms
- All information you provide to ChargebackZ3N is accurate, current, and complete
10. Marketing and Branding
Customer Listing
By registering for ChargebackZ3N services, you agree that ChargebackZ3N may:
- List you as a customer on the ChargebackZ3N website and in marketing materials
- Use your company name and logo for promotional purposes
- Create and publish testimonials or case studies about your use of the services (with your prior approval for specific details)
Intellectual Property Ownership
ChargebackZ3N remains the sole owner of:
- The ChargebackZ3N name, logo, and all related trademarks
- All intellectual property associated with the ChargebackZ3N brand
You gain no ownership rights in ChargebackZ3N intellectual property beyond the limited rights expressly granted in these Terms. If ChargebackZ3N requests that you cease any use of its trademarks or branding, you must immediately comply.
Opt-Out
If you do not wish to be listed as a ChargebackZ3N customer, you may opt out by contacting ChargebackZ3N at legal@cardz3n.com.
11. Security Interest
Grant of Security Interest
As security for the payment and performance of all your obligations under these Terms (including but not limited to unpaid fees, interest, and costs of collection), you hereby grant to CARDZ3N a continuing security interest in:
- All money, cash equivalents, and investments
- All property, tangible or intangible
- All accounts and payment processing proceeds
That ChargebackZ3N or its third-party vendors or contractors hold on your behalf or in connection with the services.
Perfection of Security Interest
ChargebackZ3N may, at its discretion:
- File UCC financing statements without your signature where permitted by law
- Take any other action necessary to perfect and maintain the priority of this security interest
- Require you to execute and deliver additional documents to perfect this security interest
You agree to cooperate with ChargebackZ3N in all such efforts and to execute any documents reasonably requested by ChargebackZ3N.
Rights Upon Default
Upon any default under these Terms, ChargebackZ3N has all rights and remedies of a secured party under the Uniform Commercial Code and applicable law, including the right to take possession of and liquidate the collateral to satisfy outstanding obligations.
12. Force Majeure
Neither party will be liable for any delay or failure to perform its obligations under these Terms (other than payment obligations) if such delay or failure results from events outside its reasonable control, including but not limited to:
- Acts of God (natural disasters, severe weather)
- War, terrorism, or civil unrest
- Government actions or regulations
- Labor disputes or strikes
- Failure of third-party services or utilities
- Unavailability of computer systems or network infrastructure
- Staff illness or unavailability
- Pandemic or public health emergency
The affected party must provide prompt notice of the force majeure event and use reasonable efforts to minimize the impact. Performance timelines will be extended for the duration of the force majeure event.
13. Government Use
If you are a U.S. Government entity or contractor, the ChargebackZ3N services and content are "commercial items" as defined in FAR 2.101, consisting of "commercial computer software" and "commercial computer software documentation" as those terms are used in FAR 12.212.
U.S. Government users receive the services and content with only those rights specified in these Terms, consistent with FAR 12.211 and FAR 12.212 (for civilian agencies) and DFARS 227.7202 (for the Department of Defense).
14. General Provisions
Entire Agreement
These Terms, together with your Chargeback Service Application and the Privacy Policy, constitute the entire agreement between you and CARDZ3N regarding the services and supersede all prior or contemporaneous communications, whether oral or written.
Amendments
ChargebackZ3N may modify these Terms at any time by posting the revised Terms on the website. Your continued use of the services after such modifications constitutes acceptance of the revised Terms. Material changes will be communicated via email or prominent notice on the website.
Assignment
You may not assign or transfer these Terms or any rights or obligations hereunder without ChargebackZ3N's prior written consent. ChargebackZ3N may assign these Terms to any affiliate or in connection with a merger, acquisition, or sale of assets. Any attempted assignment in violation of this section is void.
Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent, or if that is not possible, severed from these Terms. The remaining provisions will continue in full force and effect.
Waiver
No waiver of any term or condition of these Terms will be valid unless in writing and signed by ChargebackZ3N. The failure of ChargebackZ3N to enforce any right or provision in these Terms will not constitute a waiver of such right or provision.
Relationship of Parties
Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and ChargebackZ3N. Neither party has authority to bind the other or incur obligations on the other's behalf.
Notices
All notices required under these Terms must be in writing and delivered to:
For ChargebackZ3N:
CARDZ3N, Inc.
Attn: Legal Services
4262 Blue Diamond Rd Bldg 102 Ste 191
Las Vegas, NV 89139
Email: legal@cardz3n.com
Phone: (702) 623-3528
For Merchant: To the email address associated with your ChargebackZ3N account.
Notices are deemed delivered when sent by email (if during business hours) or one business day after sending.
15. Governing Law and Dispute Resolution
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Nevada, United States, without regard to its conflict of laws principles.
Arbitration Agreement
Any dispute, controversy, or claim arising out of or relating to these Terms or the services (including any question regarding existence, validity, interpretation, breach, or termination) that cannot be resolved through good-faith negotiation between the parties will be finally resolved by binding arbitration.
Arbitration Rules: Arbitration will be conducted before the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules then in effect.
Seat of Arbitration: The arbitration will be seated in Las Vegas, Nevada.
Arbitration Costs: The costs necessary to make this arbitration clause enforceable (including AAA administrative fees) will be paid by ChargebackZ3N. All other arbitration costs and expenses, including but not limited to the arbitrator's fees, will be shared equally by the parties unless the arbitrator determines otherwise.
Arbitrator Authority: The arbitrator may award any relief that would be available in court, but may not award relief beyond what these Terms provide.
Exceptions: Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.
Waiver of Class Actions
You agree that any arbitration or proceeding will be conducted on an individual basis only and not as a class action, consolidated action, or representative action. You waive any right to participate in a class action against ChargebackZ3N.
16. Contact Information
For questions about these Terms or the ChargebackZ3N services, please contact:
CARDZ3N, Inc.
Attn: Legal Services
4262 Blue Diamond Rd Bldg 102 Ste 191
Las Vegas, NV 89139
Email: legal@cardz3n.com
Phone: (702) 623-3528
For general support inquiries:
Email: support@cardz3n.com
By using the ChargebackZ3N services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
