Terms of Service

Effective Date: October 15, 2025
Last Modified: 10/20/2025

1. Acceptance of Terms

By accessing or using ProofReturn ("Service," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

IMPORTANT: These Terms contain an arbitration clause and class action waiver in Section 15. Please read carefully.

2. Description of Service

ProofReturn provides a tool to generate formatted dispute response packets based on payment processor guidelines. We provide templates and formatting; you are responsible for the accuracy and completeness of the information you provide.

3. User Responsibilities

  • You are responsible for the accuracy of all information you provide
  • You must have the legal right to submit the evidence you upload
  • You must not upload malicious files or attempt to abuse the service
  • You are responsible for reviewing the generated packet before submission

4. Payment Terms

4.1 Pricing and Credits

  • All purchases are one-time payments processed through Stripe
  • Credits never expire and are non-transferable
  • One (1) credit is consumed per generated dispute packet
  • Prices are subject to change, but changes will not affect credits already purchased
  • All fees are exclusive of applicable taxes, which you are responsible for paying

4.2 Refund Policy

Credits: Due to the digital nature of our service, credits are generally non-refundable once purchased. We may offer refunds at our sole discretion for unused credits within 14 days of purchase if you have not generated any packets.

Service Issues: If you experience technical issues that prevent you from using the Service, contact us at support@infinitegrowventures.com and we will work to resolve the issue or provide appropriate compensation.

Disputes: If you dispute a charge with your bank or credit card company, we reserve the right to suspend or terminate your account and access to the Service.

4.3 Chargebacks

Initiating a chargeback or payment dispute for a legitimate transaction may result in immediate termination of your account and forfeiture of all credits without refund. We will provide all transaction evidence to your financial institution.

5. Disclaimer of Warranties

ProofReturn is provided "as is" without warranties of any kind. We do not guarantee that using our service will result in a successful dispute outcome.

The generated packets are templates based on industry best practices. You are responsible for ensuring the content is accurate and complies with your processor's specific requirements.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

IN NO EVENT SHALL ProofReturn, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Lost disputes or chargebacks
  • Lost profits, revenue, or business opportunities
  • Financial losses of any kind
  • Data loss or corruption
  • Business interruption
  • Loss of goodwill or reputation
  • Cost of procurement of substitute services

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY, OR (B) $100 USD.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

7. Intellectual Property

  • You retain ownership of the content you provide
  • We grant you a license to use the generated packets
  • Our templates, branding, and code remain our property

8. Data Retention

  • Your dispute packets are securely stored and accessible from your dashboard
  • You can delete individual packets at any time from your dashboard
  • We recommend keeping backups of important generated packets
  • We reserve the right to delete inactive accounts or data after reasonable notice

9. Prohibited Uses

You may not use ProofReturn to:

  • Submit false or fraudulent information
  • Abuse or manipulate the dispute process
  • Reverse engineer or copy our service
  • Resell access to our service without permission

10. Termination

10.1 By You

You may terminate your account at any time through your account settings. Upon termination, you will lose access to any unused credits (no refunds will be provided), but you may download your generated packets before deletion.

10.2 By Us

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for:

  • Violation of these Terms
  • Fraudulent, abusive, or illegal activity
  • Chargebacks or payment disputes
  • Misuse of the Service that harms other users or our systems
  • Any reason we deem necessary to protect the Service or other users

10.3 Effect of Termination

Upon termination, all rights and licenses granted to you will immediately cease. Sections that by their nature should survive termination (including payment obligations, warranty disclaimers, limitation of liability, indemnification, and dispute resolution) shall survive.

11. Indemnification

You agree to indemnify, defend, and hold harmless ProofReturn, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • The information or evidence you provide to the Service
  • The use of generated packets in dispute proceedings

12. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, fuel, energy, labor, or materials.

13. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email (if provided) or by posting a notice on the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using the Service and may request account deletion within 30 days of the change.

14. Governing Law and Jurisdiction

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

Subject to the arbitration provisions in Section 15, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Delaware for resolution of any disputes.

15. Dispute Resolution and Arbitration

15.1 Informal Resolution

Before filing a claim, you agree to contact us at legal@infinitegrowventures.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days.

15.2 Binding Arbitration

If informal resolution fails, you and ProofReturn agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

The arbitration will be conducted in Delaware, or remotely via videoconference if you prefer. The arbitrator's decision will be final and binding, and judgment may be entered in any court of competent jurisdiction.

15.3 Class Action Waiver

YOU AND ProofReturn AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Unless both you and ProofReturn agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

15.4 Exceptions

Either party may bring a claim in small claims court if it qualifies. Additionally, either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

15.5 Opt-Out

You have the right to opt out of arbitration by sending written notice to legal@infinitegrowventures.com within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ProofReturn regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

18. Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of ProofReturn.

19. Assignment

You may not assign or transfer these Terms or your rights and obligations hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section shall be void.

20. Contact Information

For questions about these Terms, please contact us: