Terms of Service

Effective Date: December 1, 2024

1. Agreement to Terms

By accessing and using RefundIQ’s services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms apply to your use of the RefundIQ website, web app, and any related software-as-a-service (SaaS) features provided by RefundIQ ("we", "our", "us").

2. Service Description

RefundIQ is a software-as-a-service (SaaS) analytics platform that uses AI-powered technology to help users analyze post-purchase activity. Our services include:

  • Detecting missed or incomplete refunds, returns, credits, and exchanges

  • Tracking subscriptions and recurring charges

  • Identifying financial discrepancies from third-party businesses

  • Generating insights by analyzing email and transaction data from connected services

RefundIQ does not process consumer transactions, take orders, or issue refunds. We analyze user-provided and third-party data to help users determine whether they have received the adjustments or credits they are entitled to.

3. User Responsibilities

Users are responsible for:

  • Maintaining the confidentiality of their account credentials

  • Providing accurate and up-to-date information during registration

  • Using the service in compliance with applicable laws and third-party terms

  • Not engaging in fraudulent, deceptive, or abusive activity on the platform

4. Data Privacy and Security

Your privacy is important to us. We use OAuth 2.0 to authenticate users via Google and request read-only access to Gmail using the https://www.googleapis.com/auth/gmail.readonly scope. We also offer optional integrations with:

  • Plaid for financial transaction data

  • Stripe for payment processing and subscription billing

All data is encrypted in transit and at rest. We only collect non-personally identifiable data related to post-purchase activity (e.g., returns, credits, subscriptions). Our data handling is described in detail in our Privacy Policy.

We comply with Google’s API Services User Data Policy, including Limited Use requirements.

5. Service Limitations

While we strive to provide accurate, timely, and helpful services:

  • RefundIQ does not guarantee the outcome of any refund or financial adjustment

  • Data accuracy depends on third-party sources (Gmail, Plaid, Stripe, etc.)

  • Service availability may vary due to maintenance, outages, or changes to third-party APIs

  • Business policies or refund eligibility may vary by merchant or provider

6. Subscription and Billing

Details about our subscription plans, billing cycles, and cancellation policies are provided during the signup and checkout process. RefundIQ may offer:

  • A free trial or limited free plan

  • Monthly or annual billing through Stripe

  • Performance-based pricing tied to refunds or savings recovered (if applicable)

You may cancel your subscription at any time according to our published cancellation policy. All payments are securely processed through Stripe. We do not store your full payment card details.

7. Changes to Terms

We may update or revise these Terms from time to time. Any material changes will be communicated via email or in-app notification. Continued use of the platform after changes become effective constitutes acceptance of the updated Terms.

8. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Legal@RefundIQ.app

Last Updated: April 9, 2025