Terms of Service

Effective 28 July 2026 · Operated by Chargedeck ("we", "us", "our") · Contact: info@chargedeck.app

1. About these terms

These Terms of Service ("Terms") govern your use of Chargedeck (the "Service"), software that lets you ("Seller", "you") create branded checkout pages and storefronts and accept payments through your own connected payment processor. By creating an account you agree to these Terms, our Acceptable Use Policy, and our Privacy Policy.

2. What the Service is (and isn't)

• The Service is software only: hosted checkout pages, a page builder, storefronts, and a connection to a third-party payment processor of your choice (for example Stripe, PayPal or Square).
• We are not a payment processor, bank, e-money institution or money transmitter, and we never take custody of funds. All payments are processed by, and settle directly into, your own account with your chosen processor.
• We are not a party to any sale between you and your customers ("Buyers"). The contract for goods or services is solely between you and the Buyer.
• Your use of a payment processor is governed by that processor's own agreement, which you are responsible for complying with.

3. Eligibility & account

• You must be at least 18 and using the Service for a bona fide business.
• You must provide accurate account information and keep it current.
• You are responsible for all activity under your account and for keeping your credentials secure.

4. Your responsibilities

You are solely responsible for:

• The legality of your products and services and holding any required licences or registrations;
• All applicable taxes (including VAT / sales tax), invoicing and reporting;
• Compliance with consumer, advertising and distance-selling laws and with your payment processor's rules;
• Accurate descriptions and pricing, and fulfilling orders;
• Handling your own refunds, chargebacks, disputes and customer service;
• Protecting your Buyers' personal data and providing your own privacy notice (see clause 9).

5. Acceptable use

You must comply with our Acceptable Use Policy. Breaching it is a material breach of these Terms and may result in immediate suspension or termination.

6. Fees & subscription

• Access is by paid subscription, billed monthly or annually in advance.
• We do not take a percentage of your sales; your processor's fees are separate and charged by them.
• Fees are handled as set out in our Refund Policy below and at chargedeck.app/refund-policy. We may change fees on 30 days' notice.
• You may cancel any time; access continues until the end of the paid period.

6a. Refund policy

This section governs refunds on your paid Chargedeck subscription. It does not cover payments you collect from your own customers through Chargedeck, which are handled by you on your own payment processor (see clause 16.8). The full, standalone version is published at chargedeck.app/refund-policy.

• Billing. Plans are billed in advance, monthly, and renew automatically until you cancel.
• Cancelling. You can cancel any time; this stops future renewals and you keep access until the end of the period you have paid for. No further charges are taken after that.
• 14-day money-back. If you are not satisfied, contact us within 14 days of your first payment on a plan and we will refund that payment in full.
• Renewals. After the first period, monthly renewal charges are non-refundable once the new period has begun, because access is provided immediately. Cancel before your renewal date to avoid the next charge.
• Duplicate or incorrect charges are refunded in full.
• Statutory rights. Nothing here limits your rights under applicable law, including the Consumer Rights Act 2015 and Consumer Contracts Regulations 2013 where you are a UK consumer.
• Processing. Approved refunds are returned to your original payment method, usually within 5 to 10 business days. To request one, email info@chargedeck.app from your account email with the charge date and amount.

7. Suspension & termination

• We may suspend or terminate your account immediately if you breach these Terms or the Acceptable Use Policy, create legal, financial or security risk, or if a payment processor, bank or authority requires it.
• You may close your account at any time.
• On termination your checkout pages stop working. Provisions that by their nature survive (fees owed, IP, disclaimers, liability, indemnity, governing law) continue.

8. Intellectual property

• We own the Service and all related IP. We grant you a limited, non-exclusive, non-transferable licence to use it while your account is active.
• You own your content (branding, product information) and grant us a licence to host and display it to operate the Service.

9. Data protection

• For your account data, we are the controller.
• For your Buyers' personal data collected via your checkout pages, you are the controller and we act as your processor. You must have a lawful basis and your own privacy notice for that data. See our Privacy Policy.

10. Disclaimers

• The Service is provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law.
• We are not responsible for payment-processor availability, decisions, holds or fees, nor for disputes between you and your Buyers.

11. Limitation of liability

• Nothing limits liability that cannot be limited by law (for example death or personal injury caused by negligence, or fraud).
• Subject to that, we are not liable for indirect, incidental or consequential loss, or loss of profits, revenue, data or goodwill.
• Our total aggregate liability is capped at the greater of £100 or the fees you paid us in the 12 months before the event giving rise to the claim.

12. Indemnity

You will indemnify and hold us harmless from any claims, losses, liabilities and costs (including reasonable legal fees) arising from your use of the Service, your products or services, your content, your breach of these Terms or the Acceptable Use Policy, or your violation of law or any third-party rights.

13. Changes

We may update these Terms; material changes will be notified. Continued use after changes means acceptance.

14. Governing law

These Terms are governed by the laws of England & Wales, whose courts have exclusive jurisdiction.

15. Contact

Chargedeck - info@chargedeck.app.

16. Campaigns (fundraisers, pre-orders and group buys)

16.1 What a Campaign is. A Campaign is a page on which a Seller invites buyers ("Backers") to pay in advance for goods or services, shown with a funding goal, a deadline and a stated delivery estimate.

16.2 Chargedeck is not a party to the transaction. Chargedeck provides technology only. The contract for any Campaign is formed directly between the Backer and the Seller. Chargedeck is not the seller, merchant of record, agent, escrow agent, trustee, or fundraising platform for any Campaign.

16.3 Chargedeck never holds Campaign funds. Payment is made directly to the Seller's own payment processor. Chargedeck does not receive, hold, control, or disburse Backer money at any time, and does not release funds on the achievement of a goal.

16.4 Money is taken immediately. Backers are charged at the moment they pledge. A Campaign is "keep what you raise": the Seller keeps all sums raised whether or not the stated goal is reached. Reaching or missing a goal has no effect on any payment.

16.5 The Seller is solely responsible for fulfilment. This includes producing and delivering the goods or services, delivery timescales, communication with Backers, cancellations, returns, and refunds. If a Campaign fails to deliver, in whole or in part, that is the Seller's liability and not Chargedeck's.

16.6 Campaigns are not investments. No Campaign may offer or imply equity, shares, securities, dividends, interest, a loan, a revenue or profit share, or any financial return. Backers receive goods or services only. Chargedeck rejects such Campaigns automatically and on review.

16.7 Delivery estimates and consumer law. A Seller must state a delivery estimate before a Campaign goes live and must comply with applicable consumer protection law, including the Consumer Contracts Regulations and the Consumer Rights Act where the Backer is a UK consumer.

16.8 Refunds. Refunds are issued by the Seller through the Seller's own payment processor. Chargedeck cannot issue, compel, or guarantee a refund because it never holds the funds.

16.9 Charitable appeals are not permitted through Campaigns.

16.10 Enforcement. Chargedeck may remove or suspend any Campaign that breaches these Terms or the Acceptable Use Policy, without notice.