Terms of Service

1. Introduction

Welcome to RefundIQ ("Company", "we", "our", "us"). These Terms of Service ("Terms") govern your use of our website located at [RefundIQ.app] (the "Site") and our services (collectively, "Services"). By accessing or using our Services, you agree to be bound by these Terms.

2. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You are responsible for ensuring that your use of the Services complies with all applicable laws and regulations.

3. User Accounts

To access certain features of our Services, you may be required to create an account. You agree to provide accurate and complete information and to keep this information up-to-date. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Subscription and Billing Services

Our Services may include subscription-based access to certain features. By subscribing, you agree to pay the applicable fees and to comply with any additional terms provided at the time of subscription. We utilize Stripe for payment processing. By using our Services, you agree to comply with Stripe's Services Agreement and Privacy Policy.

5. Integration with Third-Party Services

Our Services may integrate with third-party services, including but not limited to Google APIs, Plaid, and Stripe. By using these integrations, you agree to comply with the respective terms and policies of these third-party services.

6. Intellectual Property

All content, trademarks, and data on this Site, including but not limited to software, databases, text, graphics, icons, and hyperlinks, are the property of or licensed to RefundIQ and are protected from infringement by local and international legislation and treaties.

7. Termination

We reserve the right to suspend or terminate your access to our Services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users of our Services, us, or third parties, or for any other reason.

8. Limitation of Liability

To the fullest extent permitted by law, RefundIQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the Services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States of America, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Services following the posting of any changes to these Terms constitutes acceptance of those changes.

11. Contact Us

If you have any questions about these Terms, please contact us at Legal@RefundIQ.app.