Refunduly
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Last updated Aug 7, 2026

Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and Refunduly ("Refunduly," "we," "us," or "our") governing your access to and use of the Refunduly website, application, notification emails, and related services (together, the "Service"). By creating an account, checking the acceptance box at signup, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

PLEASE READ THESE TERMS CAREFULLY. THEY AFFECT YOUR LEGAL RIGHTS AND INCLUDE LIMITATIONS ON OUR LIABILITY TO YOU.

REFUNDULY IS INFORMATIONAL SOFTWARE. WE DO NOT ACT AS YOUR AGENT, WE NEVER CONTACT A RETAILER ON YOUR BEHALF, AND WE DO NOT GUARANTEE THAT ANY PRICE DROP, REFUND, RETURN, PRICE ADJUSTMENT, OR SAVING WILL BE DETECTED, REPORTED IN TIME, HONORED BY A RETAILER, OR OBTAINED AT ALL. SEE SECTIONS 5, 6, 7, AND 8.

SECTION 24 DISCLAIMS ALL WARRANTIES. SECTION 25 LIMITS OUR TOTAL LIABILITY TO YOU. SECTION 26 REQUIRES YOU TO INDEMNIFY US IN CERTAIN CIRCUMSTANCES.

IF YOU RESIDE IN THE UNITED STATES: SECTION 29 CONTAINS A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND A WAIVER OF YOUR RIGHTS TO A JURY TRIAL AND TO PARTICIPATE IN ANY CLASS OR REPRESENTATIVE ACTION. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS BY FOLLOWING SECTION 29.9. IF YOU DO NOT OPT OUT, INDIVIDUAL ARBITRATION IS THE EXCLUSIVE FORUM FOR MOST DISPUTES BETWEEN US.

IF YOU RESIDE IN CANADA: THE ARBITRATION AND CLASS-ACTION-WAIVER PROVISIONS IN SECTION 29 DO NOT APPLY TO YOU. SEE SECTION 29.10.

Contents

  1. Introduction and Acceptance
  2. Definitions
  3. Eligibility and Geographic Scope
  4. Accounts and Registration
  5. Description of the Service
  6. What the Service Is Not
  7. No Guarantees
  8. Assumption of Risk — Retailer Transactions and Your Retailer Accounts
  9. Order Data and User Content
  10. Plans, Billing, Renewal, and Cancellation
  11. Acceptable Use and Prohibited Conduct
  12. Fair Use, Rate Limits, and Protection of the Service
  13. Intellectual Property and Licence
  14. Copyright and Trademark Complaints
  15. Feedback
  16. Third-Party Services, Retailers, and Content
  17. Privacy and Data Protection
  18. Security
  19. Communications, Notifications, and Notices
  20. Beta and Experimental Features
  21. Changes to the Service
  22. Suspension
  23. Term and Termination
  24. Disclaimer of Warranties
  25. Limitation of Liability
  26. Indemnification
  27. Force Majeure
  28. Governing Law and Jurisdiction
  29. Dispute Resolution; Binding Arbitration and Class-Action Waiver
  30. Changes to These Terms
  31. General Provisions
  32. Contact

1. Introduction and Acceptance

1.1 Binding agreement. These Terms form a legally binding contract between you and Refunduly. If you use the Service on behalf of any other person or entity, you represent and warrant that you are authorized to bind them, and "you" means both you and them, jointly and severally.

1.2 How you accept. You accept these Terms by the first of: ticking the acceptance box at signup, creating an Account, or using any part of the Service. Ticking the box constitutes an electronic signature and has the same legal effect as a handwritten signature.

1.3 The Privacy Policy is part of this agreement. Our Privacy Policy is incorporated into these Terms by reference and describes how we collect, use, retain, disclose, and delete your information. Where these Terms and the Privacy Policy conflict on a matter of data handling, the Privacy Policy controls.

1.4 Supplemental terms. Some features may be offered subject to additional terms presented to you at the time (for example, terms attached to a beta feature under Section 20). Those supplemental terms are incorporated by reference and control over these Terms only as to the feature they govern, and only to the extent of the conflict.

1.5 Who we are. Refunduly is the business that operates the Service and is the party responsible for it. Our contact details are in Section 32.

1.6 No obligation to provide the Service. We are under no obligation to offer the Service, to accept any registration, or to continue providing the Service to any person, except as expressly stated in these Terms.

2. Definitions

In these Terms, capitalized terms have the meanings below. Defined terms in the singular include the plural and vice versa.

3. Eligibility and Geographic Scope

3.1 Age and capacity. You must be at least 18 years old and legally capable of forming a binding contract under Applicable Law. The Service is not directed at children, we do not knowingly collect information from anyone under 18, and if we learn that an Account belongs to someone under 18 we will terminate it and delete the associated data.

3.2 Where the Service is offered. The Service is offered only to residents of the United States and Canada. We do not offer the Service to, target, market to, or knowingly serve users located in the European Union, the European Economic Area, the United Kingdom, Switzerland, or anywhere outside the United States and Canada.

3.3 Your representations. By registering an Account you represent and warrant, on a continuing basis, that: (a) you meet the requirements in 3.1 and 3.2; (b) the residency and contact information you provide is accurate, current, and complete; (c) you will keep it accurate, current, and complete; and (d) you have never been suspended or removed from the Service.

3.4 Loss of eligibility. If we learn or reasonably believe that you reside or are located outside the United States or Canada — including after relocating — we may suspend or terminate your access immediately, without liability and without refund. Using the Service from outside the United States or Canada, or misrepresenting your residency, is a material breach of these Terms, and all responsibility for any consequence of that misrepresentation, including any obligation arising under a foreign data-protection or consumer statute, rests with you.

3.5 Sanctions, export, and financial-crime compliance. You represent and warrant that you are not: (a) named on any government list of prohibited, sanctioned, or restricted parties, including the U.S. Treasury Department's Specially Designated Nationals and Blocked Persons List and Canada's consolidated sanctions lists; (b) located in, organized under the laws of, or ordinarily resident in any embargoed or comprehensively sanctioned jurisdiction; or (c) otherwise prohibited from receiving the Service under any export-control, sanctions, anti-money-laundering, or anti-terrorism law. You will not use the Service in violation of any such law, and you will not permit anyone else to.

3.6 One Account per person. You may hold one Account. Accounts are personal to you and may not be shared, sold, rented, leased, loaned, or otherwise transferred. We may consolidate or close duplicate Accounts.

3.7 We may refuse service. We may refuse to provide, or may discontinue providing, the Service to any person, for any lawful reason, at any time.

4. Accounts and Registration

4.1 Registration. To use the Service you must register an Account using an email address and password, or by signing in with Google. We may add, change, or remove supported sign-in methods at any time.

4.2 Credentials are your responsibility. You are responsible for safeguarding your sign-in credentials and for all activity that occurs under your Account, whether or not you authorized it. You must not disclose your credentials to anyone or permit anyone else to access your Account.

4.3 Your Intake Address is a credential.

YOUR INTAKE ADDRESS FUNCTIONS AS A PASSWORD. ANYONE WHO KNOWS IT CAN SEND ORDER DATA INTO YOUR ACCOUNT. DO NOT PUBLISH IT, POST IT, SHARE IT, OR USE IT AS A CONTACT ADDRESS ANYWHERE. If it is exposed, rotate it in the app. We may also rotate it for you, at any time and without prior notice, if we detect or reasonably suspect abuse.

4.4 Notify us of compromise. Notify us promptly at support@refunduly.com if you know or suspect that your credentials, your Account, or your Intake Address have been compromised or used without authorization.

4.5 Accurate information. You agree to provide and maintain accurate, current, and complete Account information, including a working email address at which you can receive Notifications and legal notices.

4.6 Accounts are not transferable. You may not assign, sell, sublicense, or otherwise transfer your Account or any right under these Terms. Any attempted transfer is void.

4.7 Action on suspected compromise. If we reasonably believe an Account is compromised, is being used fraudulently, or creates risk to the Service, to us, or to other users, we may suspend it, rotate its Intake Address, terminate active sessions, or require re-verification, with notice where practicable and without notice where the risk is ongoing.

5. Description of the Service

5.1 What the Service does. Refunduly is informational software. It reads Order Data you choose to connect, monitors prices using data obtained from Data Providers and other sources, and sends you a Notification when it detects a possible Opportunity. That is the entire service.

5.2 How Order Data reaches us. You connect Order Data by forwarding order email to your Intake Address or, where offered, by connecting an email account. You choose what to connect and may stop at any time.

5.3 "Refund" on Amazon means Return-and-Rebuy. When we say "refund," "price match," or similar in relation to an Amazon order, we mean Return-and-Rebuy — you return your existing item within Amazon's applicable return window and separately repurchase an identical item at the lower price. Amazon does not offer a general post-purchase price-match program. The Opportunity we surface is the combination of an open return window and a lower current price, and nothing more.

5.4 Other Retailers. Some Retailers operate genuine price-adjustment or price-match policies. Where they do, the Opportunity we surface is that a price appears to have fallen within a window the Retailer's published policy appears to cover. Whether the policy actually applies to your order is determined by the Retailer, not by us.

5.5 Coverage is partial and changes. We support a limited and changing set of Retailers, marketplaces, product categories, currencies, and email formats. We do not represent that the Service covers all of your orders, all of a Retailer's catalogue, all sellers on a marketplace, or all price changes.

5.6 How we make money. Refunduly is funded by Pro subscriptions (Section 10). We do not currently receive affiliate commissions, referral fees, placement fees, or any other compensation from any Retailer or Data Provider, and no Notification you receive is influenced by any such payment. If that ever changes, we will disclose it in these Terms and in the Service before it takes effect.

6. What the Service Is Not

6.1 We are not your agent, broker, fiduciary, or intermediary. We never contact Retailers for you, never initiate returns, refunds, cancellations, or purchases, never handle, hold, transmit, or disburse your money, and have no authority of any kind to act on your behalf. Every return, repurchase, refund, cancellation, or price-adjustment request is a transaction between you and the Retailer, conducted entirely on the Retailer's platform, under the Retailer's policies, at your own initiative and in your own name.

6.2 We do not give financial, legal, tax, or purchasing advice. Notifications and Content are automated observations about prices, not recommendations, solicitations, endorsements, appraisals, or advice of any kind. Whether to act on them is entirely your decision, made on your own judgment and at your own risk.

6.3 We are not affiliated with any Retailer. Refunduly is not endorsed by, sponsored by, certified by, or associated with Amazon, Best Buy, or any other Retailer, marketplace, or Data Provider. Retailer names, logos, and trademarks belong to their owners and are used solely to identify where your orders were placed, as nominative fair use.

6.4 We are not a money-transmission, payment, or claims service. We do not collect, recover, negotiate, or process refunds, claims, or payments on your behalf, and we are not a debt collector, claims adjuster, or money-services business.

6.5 We are not a seller. We do not sell, resell, supply, stock, ship, warrant, or take title to any product. We are not a party to any purchase contract between you and a Retailer, and we have no responsibility for the quality, safety, legality, or fitness of any product.

6.6 We are not a system of record. The Service is not a bookkeeping, accounting, tax, or archival system, and you should not rely on it as your record of your purchases, returns, deadlines, or savings.

7. No Guarantees

We build the Service carefully, but you use it understanding and accepting all of the following.

7.1 Detection is not guaranteed. We may fail to detect an order, a price drop, a return window, a cancellation, or any other Opportunity — because an email did not arrive, could not be parsed, or was filtered; because a Data Provider was unavailable, delayed, incomplete, or wrong; because a Retailer changed its formats, policies, or systems; or for any other reason or no reason.

7.2 Notifications are not guaranteed. A Notification may be delayed, duplicated, lost, misdirected, or never sent — including because of email delivery failures, push-notification platform behavior, spam filtering, device settings, or outages in the Service or in any provider it depends on. DO NOT RELY ON REFUNDULY AS YOUR ONLY MEANS OF TRACKING ANY DEADLINE, INCLUDING A RETURN WINDOW. Deadlines shown in the Service are parsed estimates, not authoritative Retailer commitments.

7.3 Data may be inaccurate, incomplete, or stale. Prices, price histories, return windows, deadlines, savings estimates, order details, product matches, and every other item of Content are derived from email and from third-party data. Any of them can be wrong, incomplete, mismatched to the wrong product, or out of date. The price displayed by the Retailer at the moment you act is the only price that matters, and it may differ from what we showed you.

7.4 Opportunities may not exist by the time you act. A price can rebound, stock can sell out, a seller can change, a promotion can expire, a return window can close, and a Retailer can refuse any return, refund, cancellation, or adjustment for any reason or no reason. We do not guarantee that any Opportunity will be available, actionable, honored, or profitable.

7.5 We do not guarantee the lowest price. We do not monitor every Retailer, seller, product, region, currency, or price change, and we do not represent that any price we report is the lowest available anywhere or that acting on it is your best available option.

7.6 Savings figures are illustrative. Any savings, total, projection, or estimate the Service displays is an illustration computed from the data we hold. It is not a statement of money you have earned, are owed, or will receive, and it does not account for shipping, restocking fees, taxes, currency conversion, your time, or the cost of a failed return.

7.7 Availability is not guaranteed. The Service may be unavailable, degraded, or interrupted at any time, for maintenance or otherwise. See Section 21.

7.8 Summary.

YOU ACKNOWLEDGE AND AGREE THAT REFUNDULY MAKES NO PROMISE THAT YOU WILL SAVE ANY MONEY, RECOVER ANY AMOUNT, RECEIVE ANY NOTIFICATION, OR OBTAIN ANY OPPORTUNITY. THE SERVICE SURFACES POSSIBILITIES. IT DOES NOT CREATE AN ENTITLEMENT TO SAVINGS OF ANY KIND, AND NOTHING IN THE SERVICE, IN OUR MARKETING, OR IN ANY COMMUNICATION FROM US CONSTITUTES A GUARANTEE, WARRANTY, OR PROMISE OF ANY FINANCIAL OUTCOME.

8. Assumption of Risk — Retailer Transactions and Your Retailer Accounts

8.1 Retailer terms govern your transactions. Acting on a Notification means transacting with a Retailer under that Retailer's terms, policies, return windows, restocking rules, and account rules, which you alone are responsible for reading, understanding, and following. We are not a party to that transaction and have no ability to influence, appeal, or reverse it.

8.2 Retailers monitor return behavior.

YOU SPECIFICALLY ACKNOWLEDGE THAT RETAILERS MONITOR RETURN BEHAVIOR. FREQUENT RETURNS — INCLUDING RETURNS MADE AS PART OF RETURN-AND-REBUY — CAN TRIGGER A RETAILER'S ABUSE-DETECTION SYSTEMS AND MAY RESULT IN WARNINGS, DENIAL OF INDIVIDUAL RETURNS, LOSS OF RETURN PRIVILEGES, REFUSAL OF FUTURE ORDERS, RESTRICTION OR CANCELLATION OF MEMBERSHIPS, FORFEITURE OF BALANCES OR REWARDS, OR PERMANENT SUSPENSION OR CLOSURE OF YOUR RETAILER ACCOUNT, INCLUDING ACCOUNTS AND SERVICES YOU RELY ON FOR UNRELATED PURPOSES. WHETHER AND HOW OFTEN TO ACT ON OUR NOTIFICATIONS IS YOUR JUDGMENT CALL AND YOUR RISK ALONE.

8.3 Other risks you assume. You further acknowledge that acting on an Opportunity may result in: restocking, shipping, or return-postage charges; loss of a promotional price, bundle, coupon, or reward earned on the original order; a replacement item that differs from the original in seller, condition, warranty, or delivery date; delay or non-receipt of a refund; currency-conversion loss; or tax consequences.

8.4 Assumption of risk. You knowingly, voluntarily, and irrevocably assume all risk arising from acting on anything the Service shows you, including every risk described in 8.2 and 8.3, and including the risk that a return, repurchase, cancellation, or adjustment costs you money rather than saving it.

8.5 Release of Retailer disputes. Any dispute you have with a Retailer is between you and that Retailer. To the maximum extent permitted by Applicable Law, you release and forever discharge Refunduly from all Claims, demands, damages, and liabilities of every kind, known or unknown, arising out of or connected with any dispute between you and a Retailer, including any decision a Retailer makes about your Retailer Account, your returns, your refunds, or your orders. If you are a California resident, you expressly waive California Civil Code § 1542, which reads: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." This release covers Claims against Refunduly arising out of Retailer disputes; it does not release Claims arising out of our own conduct.

8.6 No control, no insight, no liability. Refunduly has no control over, no insight into, and no liability for any Retailer's decision about your Retailer Account, your returns, your refunds, your orders, or your eligibility for any policy.

9. Order Data and User Content

9.1 Your representations and warranties. You represent and warrant, on a continuing basis, that: (a) any email address or account you connect is yours; (b) all User Content relates to your own orders and purchases; (c) you have all rights, consents, and authority necessary to submit it to us and to permit our processing of it; and (d) your User Content does not infringe, misappropriate, or violate any third party's rights or any Applicable Law.

9.2 Licence to process. You grant us a limited, non-exclusive, worldwide, royalty-free, sublicensable (to our service providers only) right to host, store, transmit, process, parse, index, analyze, and display User Content for the purpose of operating, securing, supporting, and improving the Service, as described in the Privacy Policy. We claim no ownership of your User Content, and this licence ends when the content is deleted in accordance with the Privacy Policy's retention rules, except for copies retained in backups or as required by Applicable Law.

9.3 Other people's information. Receipts and order emails sometimes contain information about third parties — gift recipients, household members, shipping contacts. You represent and warrant that you are permitted to share any such information with us, and you are solely responsible for any Claim arising from your having done so.

9.4 Our right to decline, quarantine, and discard. We may, at our sole discretion and without notice, decline, quarantine, filter, truncate, or discard any User Content that fails our authenticity checks, is not order-related, appears to belong to someone else, is malicious, or would impose disproportionate cost on the Service, and we may suspend intake for any Account being used to submit false, fraudulent, or third-party data.

9.5 No obligation to monitor, store, or return. We are under no obligation to review, monitor, verify, correct, back up, retain, or return User Content. You are responsible for keeping your own copies of anything you care about.

9.6 Accuracy of your data is your responsibility. The Service's output is only as good as the data you connect. We are not responsible for Content derived from User Content that is incomplete, altered, duplicated, or misdirected before it reaches us.

9.7 Connecting an email account is your decision and your risk. Where the Service offers email-account connection and you choose to use it, you authorize us to access that account through the provider's authorization mechanism for the purpose described in 9.2, on the terms set out in the Privacy Policy, until you revoke it. You may revoke that authorization at any time, through the Service or through your email provider's own security settings, and doing so is the complete and immediate way to stop that access. You acknowledge that connecting any account to any third-party application — including ours — carries inherent risk, that we cannot eliminate that risk, and that you accept it. Forwarding individual messages to your Intake Address remains available as the narrower alternative.

10. Plans, Billing, Renewal, and Cancellation

10.1 Two tiers. The Service has exactly two tiers: Free and Pro. There are no trials.

10.2 Recurring authorization. Pro is a recurring subscription billed through our payment processor, Stripe. By subscribing you authorize us and Stripe to charge your payment method on a recurring basis, plus applicable taxes, at the then-current price, until you cancel. Your payment details are collected and held by Stripe under its own terms; we do not store your full card number.

10.3 Automatic renewal. Your subscription renews automatically at the end of each billing period unless you cancel before the period ends.

10.4 Cancellation. You may cancel at any time through the Stripe-hosted customer portal. Cancellation takes effect at the end of the current billing period, and you retain Pro features until then.

10.5 Fees are earned when paid; no refunds. Except where Applicable Law requires otherwise, subscription fees are fully earned when paid and are non-refundable, and we do not give credits or refunds for partial billing periods, unused Service, downgrades, periods during which you did not use the Service, periods during which the Service was unavailable, or Accounts terminated for breach.

You are paying for access to the monitoring service, not for any outcome. For the avoidance of doubt, and without limiting the foregoing, no refund or credit is owed because the Service found no Opportunity, because you did not act on one, because a Retailer refused a return, refund, or adjustment, or because you recovered less than you paid us. Sections 7 and 8 explain why no outcome can be promised.

10.6 Price changes. We may change Pro pricing with at least 30 days' notice by email or in-app. Changes apply from your next billing period. If you do not agree, cancel before that period begins; continuing past the effective date is acceptance of the new price.

10.7 Free Tier changes. We may change what the Free Tier includes — including the number of watched orders, notification frequency, retention, and feature availability — prospectively, at any time, with or without notice.

10.8 Failed payments. If a charge fails we may retry it, may use updated payment credentials supplied by your card network or issuer, and may downgrade your Account to Free after reasonable notice. You remain responsible for amounts properly owed.

10.9 Taxes.

YOU ARE SOLELY RESPONSIBLE FOR ALL TAXES, DUTIES, LEVIES, AND GOVERNMENTAL CHARGES ARISING FROM YOUR USE OF THE SERVICE OR FROM ANY AMOUNT YOU RECOVER FROM A RETAILER, OTHER THAN TAXES ON OUR OWN NET INCOME. WHERE WE ARE REQUIRED TO COLLECT SALES TAX, VAT, GST, OR HST ON YOUR SUBSCRIPTION, IT IS ADDED TO THE PRICE SHOWN.

10.10 Chargebacks. If you dispute a charge with your card issuer instead of cancelling or contacting us, we may suspend or terminate your Account immediately. You remain responsible for amounts properly owed and, to the extent permitted by Applicable Law, for any fee our payment processor charges us in connection with the dispute, plus reasonable costs of recovery. Contacting support@refunduly.com first is faster and costs you nothing.

10.11 Promotions. Any discount, credit, or promotional price is granted at our discretion, applies only as stated, is not transferable or redeemable for cash, and may be withdrawn or revoked if obtained through misrepresentation, duplicate Accounts, or abuse.

10.12 Currency. Prices are stated in the currency shown at checkout. You are responsible for any conversion cost or fee your payment provider charges.

11. Acceptable Use and Prohibited Conduct

11.1 General standard. You must use the Service lawfully, for your own personal, non-commercial purposes, and in a manner that does not harm us, the Service, or anyone else.

11.2 Data integrity. You must not:

11.3 Security and access. You must not:

11.4 Automated access and extraction. You must not:

11.5 Reverse engineering. You must not copy, modify, adapt, translate, create derivative works from, decompile, disassemble, or reverse-engineer the Service, or attempt to derive its source code, algorithms, or underlying structure, except to the extent Applicable Law expressly permits despite this restriction and only after you have given us written notice and a reasonable opportunity to provide the necessary information.

11.6 Commercial exploitation. You must not sell, resell, rent, lease, sublicense, distribute, or otherwise make the Service available to any third party, whether as a service, a managed offering, or otherwise, and you must not use the Service to provide refund-monitoring services to others.

11.7 Identity and reputation. You must not:

11.8 Legal compliance. You must not use the Service:

11.9 Investigation and enforcement. We may investigate suspected violations of this Section 11 and may, at our sole discretion and without liability: remove or refuse Content; rotate your Intake Address; impose limits; suspend or terminate your Account immediately and without prior notice where the violation is ongoing, unlawful, or creates risk to the Service, to us, or to other users; and pursue any civil or criminal remedy available. We may report suspected unlawful conduct to law enforcement and cooperate with lawful requests.

11.10 No obligation to enforce. Our decision not to act on a violation in one case does not waive our right to act in any other.

12. Fair Use, Rate Limits, and Protection of the Service

12.1 Fair use. The Service is provided for ordinary personal use. We may set and enforce limits on Accounts, watched orders, connected email accounts, Intake Address volume, price checks, notification frequency, retention, request rates, and any other dimension of use, and may vary those limits by tier.

12.2 Disproportionate use. If your use imposes a burden materially disproportionate to that of a typical user of your tier — including through automated forwarding of high-volume mail, mass forwarding of non-order mail, or repeated triggering of expensive operations — we may throttle, limit, suspend, or terminate the Account, or require you to move to a different tier, after notice where practicable.

12.3 Protective measures. We may take any measure we consider reasonably necessary to protect the Service, its users, and its providers, including blocking traffic, rejecting mail, disabling features, rotating credentials, and imposing emergency limits, in each case without liability to you.

12.4 No entitlement to capacity. Nothing in these Terms entitles you to any particular level of capacity, throughput, frequency, latency, or availability.

13. Intellectual Property and Licence

13.1 Our rights. The Service — including its software, source and object code, design, user interface, layout, structure, "look and feel," databases, algorithms, models, documentation, branding, and all Content other than your User Content — is owned by Refunduly or its licensors and is protected by copyright, trademark, trade-secret, database, and other intellectual-property laws in Canada, the United States, and internationally. All rights not expressly granted in these Terms are reserved.

13.2 Licence to you. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Service for your own personal, non-commercial purposes, for as long as these Terms remain in effect.

13.3 Licence restrictions. The licence in 13.2 does not permit you to: (a) use the Service for the benefit of any third party; (b) remove, obscure, or alter any proprietary notice; (c) use the Service to develop a competing product; or (d) do anything prohibited by Section 11.

13.4 Content is licensed, not sold. No transfer of title in any part of the Service or Content occurs under these Terms.

13.5 Trademarks. "Refunduly," our wordmark, our logo, and our other names and marks are our trademarks, whether registered or not. You may not use them without our prior written permission, including in any domain name, application name, advertisement, comparative claim, or metadata. Third-party marks appearing in the Service belong to their owners.

13.6 Third-party and open-source components. The Service includes third-party and open-source components licensed under their own terms, which apply to those components to the extent they conflict with these Terms.

13.7 Reservation. We may, at any time, change, add to, or remove Content and features without liability, and nothing in the Service constitutes a licence to any Retailer's or Data Provider's intellectual property.

14. Copyright and Trademark Complaints

14.1 Copyright notices. If you believe material available through the Service infringes your copyright, send a written notice to legal@refunduly.com containing: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the material claimed to be infringing and enough detail for us to locate it; (c) your name, mailing address, telephone number, and email address; (d) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; (e) a statement that the information in the notice is accurate and, under penalty of perjury, that you are the owner or authorized to act on the owner's behalf; and (f) your physical or electronic signature.

14.2 What we do with a notice. We will review notices that meet 14.1, and may remove or disable access to the material, notify the person who submitted it, and take any other action we consider appropriate. We may decline to act on a notice that does not substantially comply with 14.1.

14.3 Counter-notices. If your material was removed and you believe the removal was mistaken or misidentified, you may send a counter-notice to legal@refunduly.com containing: identification of the removed material and where it appeared; a statement under penalty of perjury that you have a good-faith belief it was removed by mistake or misidentification; your name, address, telephone number, and email address; a statement consenting to the jurisdiction of the courts identified in Section 28 and to accept service of process from the complaining party; and your signature. We may restore the material as permitted by Applicable Law.

14.4 Repeat infringers. We will terminate, in appropriate circumstances, the Accounts of users we determine to be repeat infringers.

14.5 Misrepresentation. Knowingly making a material misrepresentation in a notice or counter-notice may expose you to liability for damages, including costs and legal fees.

14.6 Trademark complaints. Trademark complaints may be sent to the same address with equivalent detail.

15. Feedback

15.1 Licence to feedback. If you send us feedback, suggestions, ideas, bug reports, feature requests, or other input about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable right to use, reproduce, modify, distribute, and exploit that Feedback for any purpose, without restriction, attribution, compensation, confidentiality, or any other obligation to you.

15.2 Feedback is not confidential. Feedback is deemed non-confidential and non-proprietary. Do not send us anything you consider confidential or in which you claim rights you are unwilling to license on these terms.

15.3 No obligation. We are under no obligation to review, respond to, or implement any Feedback.

16. Third-Party Services, Retailers, and Content

16.1 What we depend on. The Service depends on third parties we do not control, including: Retailers and their websites, apps, and policies; email providers, email delivery, and inbound mail processing; Google sign-in and, where offered, Gmail access; payment processing (Stripe); Data Providers (including Keepa); hosting, infrastructure, error monitoring, and analytics providers; and push-notification platforms. Their availability, accuracy, performance, security, and conduct are theirs, not ours.

16.2 No responsibility.

WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY THIRD-PARTY SERVICE, WEBSITE, APPLICATION, OUTAGE, DELAY, DATA ERROR, SECURITY INCIDENT, POLICY CHANGE, ACT, OMISSION, OR DECISION, INCLUDING A RETAILER'S HANDLING OF YOUR ORDER, RETURN, REFUND, ADJUSTMENT, OR RETAILER ACCOUNT, AND INCLUDING ANY INTERRUPTION OR TERMINATION OF A DATA PROVIDER'S SERVICE THAT DEGRADES OR ENDS ANY FEATURE.

16.3 Their terms govern. Your use of any third party's service, including any Retailer's platform, is governed by that third party's terms and privacy practices, not ours. You are solely responsible for reading and complying with them.

16.4 Links and references are not endorsements. Any link, name, logo, or reference to a third party in the Service is provided for identification and convenience only and is not an endorsement, recommendation, certification, or guarantee.

16.5 Third-party Content. Content originating from a Data Provider or a Retailer is passed through substantially as received. We do not independently verify it, adopt it, or warrant it, and we expressly disclaim all liability in connection with it.

16.6 Release. To the maximum extent permitted by Applicable Law, you release Refunduly from all Claims arising out of or relating to any third party described in this Section 16, subject to the same terms as Section 8.5.

17. Privacy and Data Protection

17.1 The Privacy Policy governs. Our collection, use, retention, disclosure, and deletion of personal information is described in the Privacy Policy, which forms part of these Terms.

17.2 Processing on your behalf. We process Order Data on your behalf for the purpose of providing the Service to you. We do not sell your personal information, and we do not use Order Data for any secondary purpose without your separate consent or as the Privacy Policy describes.

17.3 Google user data. Where you connect a Google account, our use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including its Limited Use requirements. You may revoke that access at any time through your Google account settings or through the Service.

17.4 Retention. Retention windows are stated in the Privacy Policy. If a retention window changes, we publish a new version of the Privacy Policy in the same change.

17.5 Deletion. You may request deletion of your Account and associated data as described in the Privacy Policy. Deletion is subject to retention we are required to maintain by Applicable Law and to copies held transiently in backups.

18. Security

18.1 Our measures. We maintain administrative, technical, and physical safeguards designed to protect the Service and the data it holds, as described in the Privacy Policy. Refresh tokens and stored raw mail are encrypted.

18.2 No guarantee of security.

NO SYSTEM IS PERFECTLY SECURE. WE DO NOT WARRANT THAT THE SERVICE, ITS PROVIDERS, OR ITS TRANSMISSION AND STORAGE OF DATA WILL BE FREE FROM UNAUTHORIZED ACCESS, INTERCEPTION, ALTERATION, OR LOSS, AND WE EXPRESSLY DISCLAIM ANY SUCH WARRANTY.

18.3 Your obligations. You must use a strong, unique password, protect your credentials and Intake Address, keep your devices and email account secure, and notify us promptly of any suspected compromise under 4.4.

18.4 Incident notification. If a security incident affects your personal information, we will notify you and any regulator to the extent and within the time Applicable Law requires. That commitment is the full extent of our obligation in relation to an incident, and it does not expand our liability beyond Section 25.

18.5 Responsible disclosure. If you believe you have found a vulnerability, report it to legal@refunduly.com. Do not access other users' data, degrade the Service, or publicly disclose the issue before we have had a reasonable opportunity to address it. Testing conducted in accordance with this 18.5 will not be treated as a breach of Section 11.

19. Communications, Notifications, and Notices

19.1 Consent to electronic communications. You consent to receive notices, agreements, disclosures, statements, and other communications from us electronically — by email to the address on your Account, or in the app — and you agree that these satisfy any legal requirement that a communication be in writing. You may withdraw this consent only by closing your Account.

19.2 Service communications. Notifications, alerts, receipts, security notices, legal notices, and billing messages are part of the Service. You cannot opt out of them while your Account is open, though you may change notification preferences where the Service offers them.

19.3 Marketing communications. Where we send promotional email, we do so only as permitted by Applicable Law, including Canada's Anti-Spam Legislation and the U.S. CAN-SPAM Act, and every such message includes an unsubscribe mechanism and our postal address.

19.4 Push notifications. Where the Service offers push notifications and you enable them, delivery depends on your device, operating system, browser, and the platform's push service, none of which we control.

19.5 Delivery is not guaranteed. See 7.2. You are responsible for keeping your email address current and for ensuring our messages are not blocked, filtered, or diverted.

19.6 Notices to us. Notices to Refunduly must be sent to the addresses in Section 32 and are effective on receipt.

19.7 Notices to you. Notices to you are effective when sent to the email address on your Account, whether or not you actually read them.

20. Beta and Experimental Features

20.1 Provided as-is. Features identified as beta, preview, early access, or experimental are provided strictly "as is" and "as available," may be incomplete or unstable, may produce inaccurate results, and are excluded from every commitment, service level, and undertaking in these Terms.

20.2 We may change or withdraw them. We may change, limit, or withdraw a beta feature at any time, without notice and without liability, and we are under no obligation to make it generally available or to preserve data created through it.

20.3 Confidentiality. Where we tell you a beta feature is confidential, you must not disclose it or its performance to any third party.

21. Changes to the Service

21.1 We may change the Service. The Service is under active development. We may add, change, limit, suspend, or remove any feature, integration, Retailer, Data Provider, tier benefit, or part of the Service, at any time, with or without notice, without liability to you.

21.2 If we discontinue Pro. If we discontinue Pro entirely, we will refund the pro-rated unused portion of any prepaid period. This is your sole and exclusive remedy for discontinuation of Pro.

21.3 If we discontinue the Service. If we discontinue the Service entirely, we will give reasonable notice where practicable and apply 21.2 to any prepaid Pro period. We are not otherwise liable for discontinuation.

21.4 Retailer and provider changes. A Retailer or Data Provider may change or terminate its systems, formats, or policies at any time, which may degrade or end a feature. That is a risk of the Service, not a breach of these Terms.

22. Suspension

22.1 Grounds. We may suspend your Account or any part of your access, in whole or in part, if: you breach these Terms; we reasonably suspect fraud, abuse, or unauthorized access; your Account is the subject of a legal or regulatory request; your payment fails; your use threatens the security, integrity, or availability of the Service; or Applicable Law requires it.

22.2 Notice. We will give notice where practicable, and may suspend immediately and without notice where the risk is ongoing, unlawful, or urgent.

22.3 Effect. Suspension does not relieve you of any payment obligation, and no refund or credit is owed for a period of suspension imposed under 22.1.

22.4 Restoration. We may restore access once the cause of suspension is resolved to our reasonable satisfaction. We are not obliged to restore access.

23. Term and Termination

23.1 Term. These Terms take effect when you first accept them and continue until terminated under this Section 23.

23.2 Termination by you. You may stop using the Service at any time, cancel Pro under 10.4, and request Account deletion as described in the Privacy Policy.

23.3 Termination by us. We may terminate these Terms and your access — with notice where practicable — if: you breach these Terms; Applicable Law requires it; your Account creates risk or abuse, including intake abuse; your Account is ineligible under Section 3; or we discontinue the Service under Section 21.

23.4 Immediate termination. Where a breach is ongoing, unlawful, fraudulent, or creates risk to the Service, to us, or to other users, we may terminate immediately and without prior notice.

23.5 Termination for convenience. We may terminate a Free Tier Account for convenience on reasonable notice. We may terminate a Pro Account for convenience on reasonable notice, with a pro-rated refund of the unused prepaid period as your sole remedy.

23.6 Effect of termination. On termination: the licence in 13.2 ends immediately; your access ends; no refund is owed except as stated in 10.5, 21.2, or 23.5; your data is handled in accordance with the Privacy Policy's retention rules; and each party's accrued rights and liabilities are unaffected.

23.7 Survival. Every provision that by its nature should survive does survive termination, including Sections 2, 6, 7, 8, 9.1, 9.2, 9.3, 9.7, 10.5, 10.9, 10.10, 11, 13, 15, 16, 17, 18.2, 19.1, and 24 through 32.

24. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, ALL CONTENT, AND EVERYTHING MADE AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES, CONDITIONS, REPRESENTATIONS, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, COMPLETE, OR ERROR-FREE; (B) ANY ORDER, PRICE DROP, RETURN WINDOW, DEADLINE, OR OPPORTUNITY WILL BE DETECTED, OR DETECTED IN TIME TO ACT; (C) ANY NOTIFICATION WILL BE SENT, DELIVERED, OR DELIVERED ON TIME; (D) ANY PRICE, DEADLINE, PRODUCT MATCH, OR SAVINGS FIGURE WILL BE ACCURATE, CURRENT, COMPLETE, OR THE LOWEST AVAILABLE; (E) ANY RETAILER WILL HONOR ANY RETURN, REFUND, CANCELLATION, OR ADJUSTMENT; (F) ANY DEFECT WILL BE CORRECTED; (G) THE SERVICE IS FREE OF VIRUSES OR HARMFUL COMPONENTS; OR (H) DATA TRANSMISSION OR STORAGE WILL BE FREE FROM UNAUTHORIZED ACCESS, INTERCEPTION, ALTERATION, OR LOSS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE SERVICE, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, CONDITIONS, OR CONSUMER GUARANTEES, OR LIMITS ON HOW LONG AN IMPLIED WARRANTY LASTS. TO THAT EXTENT, THE EXCLUSIONS IN THIS SECTION 24 APPLY ONLY AS PERMITTED BY THE LAW THAT APPLIES TO YOU, AND ANY WARRANTY THAT CANNOT BE EXCLUDED IS LIMITED IN DURATION TO THE SHORTEST PERIOD THAT LAW PERMITS.

25. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

25.1 NO INDIRECT DAMAGES. REFUNDULY AND ITS OPERATORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, BUSINESS, OPPORTUNITY, GOODWILL, REPUTATION, OR DATA, OR FOR THE COST OF PROCURING SUBSTITUTE GOODS, SERVICES, OR TECHNOLOGY, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

25.2 MISSED OPPORTUNITIES ARE NOT DAMAGES. WITHOUT LIMITING 25.1, WE WILL NOT BE LIABLE FOR ANY MISSED, LATE, DUPLICATED, INACCURATE, OR UNDETECTED PRICE DROP, REFUND, PRICE MATCH, PRICE ADJUSTMENT, RETURN WINDOW, DEADLINE, OR OTHER OPPORTUNITY; FOR ANY AMOUNT YOU DID NOT RECOVER FROM A RETAILER; FOR ANY AMOUNT YOU LOST BY ACTING ON A NOTIFICATION; OR FOR ANY CONSEQUENCE TO YOUR RETAILER ACCOUNT DESCRIBED IN SECTION 8. THE SERVICE SURFACES POSSIBILITIES; IT DOES NOT CREATE AN ENTITLEMENT TO SAVINGS.

25.3 THIRD PARTIES, OUTAGES, AND DATA. WE WILL NOT BE LIABLE FOR ANY ACT, OMISSION, OUTAGE, ERROR, POLICY CHANGE, OR DECISION OF ANY THIRD PARTY DESCRIBED IN SECTION 16, OR FOR ANY INTERRUPTION, DELAY, DEFECT, CORRUPTION, OR LOSS ARISING FROM NETWORK, DEVICE, EMAIL, OR INFRASTRUCTURE FAILURE.

25.4 SECURITY INCIDENTS. OUR LIABILITY FOR ANY CLAIM ARISING FROM UNAUTHORIZED ACCESS TO, DISCLOSURE OF, ALTERATION OF, OR LOSS OF DATA IS SUBJECT TO THE SAME EXCLUSIONS AND CAP AS EVERY OTHER CLAIM, EXCEPT WHERE APPLICABLE LAW DOES NOT PERMIT THAT LIMITATION. WITHOUT LIMITING THAT, WE ARE NOT LIABLE FOR UNAUTHORIZED ACCESS TO YOUR EMAIL ACCOUNT, YOUR RETAILER ACCOUNT, OR YOUR PERSONAL DATA ARISING FROM A BREACH OF, OR A VULNERABILITY IN, ANY THIRD PARTY DESCRIBED IN SECTION 16, OR FROM YOUR OWN CREDENTIALS OR DEVICES BEING COMPROMISED.

25.5 CAP. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THESE TERMS OR THE SERVICE, IN THE AGGREGATE AND NOT PER CLAIM, WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100 USD.

25.6 ALL THEORIES, ALL PARTIES. THE EXCLUSIONS AND LIMITS IN THIS SECTION 25 APPLY REGARDLESS OF THE THEORY OF LIABILITY — CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR OTHERWISE — AND APPLY EQUALLY FOR THE BENEFIT OF EVERY PERSON AND ENTITY NAMED IN 25.1.

25.7 BASIS OF THE BARGAIN. THE DISCLAIMERS IN SECTION 24 AND THE LIMITS IN THIS SECTION 25 ARE AN ESSENTIAL BASIS OF THE AGREEMENT BETWEEN US AND ARE REFLECTED IN THE PRICING OF THE SERVICE. WITHOUT THEM, THE FREE TIER COULD NOT BE OFFERED AND PRO COULD NOT BE OFFERED AT ITS PRICE.

25.8 What this Section does not limit. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Applicable Law — including, where applicable, liability for fraud or fraudulent misrepresentation, gross negligence or wilful misconduct, death or personal injury caused by negligence, or rights under consumer-protection legislation (including Ontario's Consumer Protection Act, 2002 and Quebec's Consumer Protection Act) that override contract terms. In those cases the provisions of Sections 24 and 25 apply to the fullest extent the law allows, and no more.

26. Indemnification

26.1 Your indemnity. You agree to defend, indemnify, and hold harmless Refunduly and its operators, officers, employees, contractors, agents, licensors, and suppliers from and against all Claims, damages, losses, liabilities, judgments, settlements, fines, penalties, and reasonable expenses (including legal fees and costs) arising out of or relating to: (a) your breach of these Terms or of any representation or warranty in them; (b) your misuse of the Service, including submitting User Content that is not yours; (c) your violation of Applicable Law or of any third party's rights, including under 9.3; (d) your transactions or disputes with any Retailer, including returns, repurchases, refunds, and any action a Retailer takes against your Retailer Account in connection with an Opportunity the Service surfaced; (e) your User Content; or (f) any activity under your Account, whether or not authorized by you.

26.2 Control of the defence. We may, at our own expense and at our sole option, assume the exclusive defence and control of any matter otherwise subject to your indemnity, in which case you will cooperate fully with us at your expense. Your indemnity obligation is not reduced by our doing so.

26.3 No settlement without consent. You may not settle any indemnified Claim in a way that imposes any obligation, restriction, admission of fault, or payment on us, or that affects our rights, without our prior written consent.

26.4 Notice. We will use reasonable efforts to notify you of any Claim for which we seek indemnity, but our failure to do so relieves you of your obligations only to the extent you are materially prejudiced by the delay.

27. Force Majeure

We are not liable for any delay in or failure of performance caused by events beyond our reasonable control, including: outages, failures, or discontinuation of third-party providers, Data Providers, Retailers, or infrastructure; internet, telecommunications, or power failures; denial-of-service or other attacks; malware; changes in a Retailer's or Data Provider's systems, formats, terms, or policies; labor disputes; acts or orders of government or regulators; embargoes or sanctions; epidemics or public-health measures; fire, flood, earthquake, storm, or other natural disaster; and war, terrorism, or civil unrest. If a force-majeure event continues for more than 30 days, either party may terminate these Terms on notice, and 21.2 applies to any prepaid Pro period.

28. Governing Law and Jurisdiction

28.1 Governing law. These Terms, and any Claim arising out of or relating to them, to the Service, or to your relationship with us — whether in contract, tort, statute, or otherwise — are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

28.2 Courts. Subject to Section 29, the courts located in Ontario, Canada have exclusive jurisdiction over any Claim, and you irrevocably consent to their personal jurisdiction and venue and waive any objection based on inconvenient forum — except that (a) either party may bring an eligible individual claim in small-claims court, and (b) nothing in this Section deprives you of the protection of any mandatory consumer-protection law of your place of residence, or of the right that law gives you to bring a claim there.

28.3 Injunctive relief. Nothing in Sections 28 or 29 prevents either party from seeking injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or to stop unauthorized access to the Service.

29. Dispute Resolution; Binding Arbitration and Class-Action Waiver

READ THIS SECTION CAREFULLY. IF YOU RESIDE IN THE UNITED STATES AND DO NOT OPT OUT UNDER 29.9, IT REQUIRES YOU TO RESOLVE DISPUTES WITH US BY INDIVIDUAL BINDING ARBITRATION, AND IT WAIVES YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. IF YOU RESIDE IN CANADA, SECTIONS 29.3 THROUGH 29.9 DO NOT APPLY TO YOU — SEE 29.10.

29.1 Scope. This Section 29 applies to every Claim between you and Refunduly arising out of or relating to these Terms, the Service, any Notification, any Opportunity, our marketing, or your relationship with us, including Claims that arose before you accepted these Terms and Claims that arise after your Account is closed.

29.2 Informal resolution first (applies to everyone). Before starting an arbitration or a lawsuit, you and Refunduly must first try in good faith to resolve the dispute informally for 60 days. You send written notice to legal@refunduly.com; we send ours to the email address on your Account. The notice must describe the dispute, identify the Account involved, and state the specific relief sought. This step is a condition precedent to commencing any proceeding, any applicable limitations period is tolled while it runs, and a court or arbitrator may enjoin a proceeding filed without it. Either party may still bring an eligible claim in small-claims court during this period.

29.3 Agreement to arbitrate (US residents). If you reside in the United States, you and Refunduly agree that any Claim within 29.1 that is not resolved under 29.2 will be resolved by binding individual arbitration, and not in court, except as stated in 29.7 and 29.9.

29.4 The Federal Arbitration Act governs this Section. This agreement to arbitrate evidences a transaction involving interstate commerce, and the Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of this Section 29, notwithstanding the governing law in 28.1. The arbitrator, and not any court, has exclusive authority to resolve all threshold issues — including the formation, existence, scope, interpretation, applicability, enforceability, and arbitrability of this Section, and whether any Claim is subject to arbitration — except that a court, and not the arbitrator, decides whether 29.8 is enforceable.

29.5 Administrator and rules. Arbitration is administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in effect when the demand is filed, as modified by these Terms. The rules and filing forms are available at adr.org. If the AAA is unwilling or unable to administer the arbitration consistently with these Terms, the parties will agree in writing on another established administrator; failing agreement, a court of competent jurisdiction may appoint one.

29.6 How arbitration works.

29.7 What arbitration does not cover. Either party may: (a) bring an individual Claim in small-claims court if it qualifies and remains in that court on an individual basis; (b) seek injunctive or equitable relief in the courts identified in 28.2 to stop actual or threatened infringement, misappropriation, or misuse of intellectual property, or unauthorized access to the Service; and (c) report any matter to a government agency or regulator, which nothing in these Terms prevents.

29.8 Class-action, jury, and consolidation waiver (US residents).

YOU AND REFUNDULY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, PRIVATE-ATTORNEY-GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. YOU AND REFUNDULY ALSO EACH WAIVE ANY RIGHT TO A TRIAL BY JURY.

IF THIS 29.8 IS FOUND UNENFORCEABLE AS TO A PARTICULAR CLAIM OR REQUEST FOR RELIEF, THEN THAT CLAIM OR REQUEST — AND ONLY THAT CLAIM OR REQUEST — IS SEVERED FROM THE ARBITRATION AND BROUGHT IN THE COURTS IDENTIFIED IN 28.2, WHILE ALL OTHER CLAIMS PROCEED IN ARBITRATION. IF THIS 29.8 IS FOUND UNENFORCEABLE IN ITS ENTIRETY, THE WHOLE OF SECTIONS 29.3 THROUGH 29.7 IS VOID AND SECTION 28.2 GOVERNS.

29.9 Your right to opt out of arbitration. You may opt out of Sections 29.3 through 29.8 by sending written notice to legal@refunduly.com within 30 days of the date you first accept these Terms. The notice must state your name, the email address on your Account, and a clear statement that you want to opt out of the arbitration agreement. Opting out is free, does not affect any other part of these Terms, and will not affect your Account, your pricing, or your use of the Service in any way. If you opt out, Section 28.2 governs your disputes. If you previously accepted a version of these Terms containing an arbitration agreement and did not opt out then, that earlier acceptance stands.

29.10 Canadian residents. If you reside in Canada, Sections 29.3 through 29.9 do not apply to you. Your Claims are resolved in the courts identified in 28.2, following the informal-resolution step in 29.2. Nothing in these Terms limits any right you have under Ontario's Consumer Protection Act, 2002, Quebec's Consumer Protection Act, or any other applicable consumer-protection statute — including any right to commence or join a class proceeding that such a statute preserves, and any right to bring a proceeding in the province where you reside.

29.11 Coordinated filings. If 25 or more arbitration demands raising substantially similar Claims are filed against us by or with the assistance of the same person, firm, or coordinated group, the AAA will administer them in batches of no more than 50, each batch with a single arbitrator and a single set of filing fees, sequenced by filing date. Limitations periods are tolled for demands awaiting a batch. This provision exists to make coordinated claims administrable, not to prevent or delay them, and either party may ask the AAA to depart from it for good cause.

29.12 Time limit for Claims. To the extent permitted by Applicable Law, any Claim arising out of or relating to these Terms or the Service must be commenced within one year after it arises, or it is permanently barred. This 29.12 does not apply where Applicable Law prohibits shortening a limitations period, including for consumers in Ontario and Quebec.

29.13 Survival and severability. This Section 29 survives termination of these Terms and closure of your Account. If any part of it other than 29.8 is found unenforceable, that part is severed and the remainder stays in effect.

30. Changes to These Terms

30.1 We may update these Terms. Each version carries a version number and an effective date, and prior versions are preserved.

30.2 Non-material changes — clarifications, corrections, formatting, new features on existing terms, and changes that do not reduce your rights — take effect on posting. Continuing to use the Service after the effective date constitutes acceptance.

30.3 Material changes — changes that meaningfully affect your rights or obligations, for example new data-sharing practices, new or increased fees, a new or expanded dispute-resolution mechanism, or reduced liability protections for you — will be announced by email at least 14 days before they take effect and will require you to affirmatively accept the new Terms before continuing to use the Service.

30.4 Changes to Section 29. If we materially change Section 29 after you have accepted it, you may reject the change by writing to legal@refunduly.com within 30 days of its effective date, in which case the version of Section 29 you last accepted continues to govern disputes between us. Rejecting a change to Section 29 does not affect any other part of these Terms.

30.5 No informal amendment. No employee, contractor, or agent has authority to vary these Terms orally or by conduct. Amendments are made only by publishing a new version under this Section 30.

31. General Provisions

31.1 Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed. The remaining provisions stay in full force. 29.8 is governed by its own severability rule.

31.2 Entire agreement. These Terms, together with the Privacy Policy and any supplemental terms under 1.4, are the entire agreement between you and Refunduly about the Service and supersede all prior and contemporaneous agreements, understandings, representations, and communications, whether oral or written. You confirm you have not relied on any statement not set out in these Terms.

31.3 Assignment. You may not assign, delegate, or transfer these Terms, your Account, or any right or obligation under them, by operation of law or otherwise, without our prior written consent; any attempt is void. We may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, financing, or sale of all or part of our assets, or to an affiliate. These Terms bind and benefit the parties' permitted successors and assigns.

31.4 No waiver. No failure or delay in exercising any right is a waiver of it, no single or partial exercise precludes any further exercise, and no waiver is effective unless made in writing and signed by the waiving party.

31.5 No third-party beneficiaries. These Terms create no rights in any person other than you and Refunduly, except that the persons and entities identified in Sections 8.5, 16.6, 25, and 26 may enforce those Sections directly.

31.6 Relationship of the parties. Nothing in these Terms creates any partnership, joint venture, employment, franchise, fiduciary, or agency relationship between you and Refunduly.

31.7 Independent remedies. Our rights and remedies under these Terms are cumulative and in addition to any other right or remedy available at law or in equity.

31.8 Compliance. You are responsible for complying with all Applicable Law in your use of the Service, including any law of your place of residence.

31.9 Legal fees. In any proceeding to enforce these Terms, the prevailing party is entitled to recover its reasonable legal fees and costs, to the extent permitted by Applicable Law.

31.10 Interpretation. Headings, section numbers, and the Contents list are for convenience only and do not affect interpretation. "Including," "include," and "such as" mean "including without limitation." "Or" is not exclusive. References to a statute include its amendments and successors. These Terms will not be construed against the drafter.

31.11 Language. These Terms are drafted in English, and the English version governs. Les parties ont exigé que la présente convention et tous les documents qui s'y rattachent soient rédigés en anglais.

31.12 Electronic records. A printed version of these Terms and of any notice given electronically is admissible in any judicial or administrative proceeding to the same extent, and subject to the same conditions, as other business records kept in printed form.

31.13 Contra proferentem excluded. Any rule of construction requiring that ambiguities be resolved against the drafting party does not apply to these Terms.

31.14 Notices under this agreement. All formal notices must be in writing and sent as set out in 19.6 and 19.7.

32. Contact

Questions, legal notices, arbitration opt-outs under 29.9, copyright and trademark complaints under Section 14, and security reports under 18.5:

legal@refunduly.com

Support and account issues:

support@refunduly.com

Notices to us under these Terms are effective when sent to legal@refunduly.com (Section 19.6).

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