Last updated July 2026
These terms govern your use of Chargewood, operated by Chargewood, Inc. ("Chargewood," "we," "us"). By connecting a store or processor and using the service, you agree to them.
Chargewood connects to your commerce or payment platform, reads order, delivery, usage, and dispute data, and builds and (depending on your settings) submits evidence responses to chargebacks and disputes on your behalf, before the relevant deadline. You can run it in Autopilot (we submit automatically) or Review First (we build the packet, you approve before it's sent).
You authorize Chargewood to access your connected platform's order, dispute, and account data for the purposes described in our Privacy Policy, and to submit dispute responses on your behalf where you've enabled that. You're responsible for keeping your account credentials secure and for the accuracy of the store/processor connections you set up.
Chargewood is billed either Pay As You Go (a percentage of the amount won on a dispute, charged only when we win — see the pricing on the relevant landing page for the current rate) or a Fixed Fee arrangement quoted directly for your volume. Instant Payout, where offered, is Chargewood purchasing a pending dispute outright at a discount — it is not a loan, line of credit, or advance, and if the dispute is later lost, that loss is Chargewood's, not yours. Current rates and terms are shown at signup and in your account; we'll give notice before changing fees on an existing account.
We build evidence from the strongest facts available and follow published card network rules, but we do not guarantee that any specific dispute will be won. Nothing on this site or in the product is legal advice. The free Dispute Readiness Score checks your setup against published evidence requirements; it is informational only.
You won't use Chargewood to submit evidence you know to be false or fabricated, to fight disputes on transactions you know to be fraudulent on your end, or to circumvent a card network's or platform's rules. We can suspend or terminate an account for misuse, non-payment, or a violation of these terms.
You can disconnect your store and close your account at any time. Fees already earned on disputes won before disconnection remain payable. We may suspend the service for non-payment or a material breach of these terms, with notice where practical.
The service is provided "as is." To the extent permitted by law, Chargewood is not liable for indirect, incidental, or consequential damages, or for a dispute lost despite our evidence submission; our total liability for any claim arising from the service is limited to the fees you paid us in the three months before the claim arose.
These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
We may update these terms as the product changes; we'll note the date above and, for material changes, notify account holders by email.
Chargewood, Inc. — hello@chargewood.com.
This is our first published version of these terms, written to reflect what the product actually does today. It has not yet been reviewed by outside counsel; if you have specific legal requirements, please contact us directly before relying on it.