Terms of Service

1. Who we are and what the service does

Hingemark, Inc. (entity TBD) ("Hingemark", "we") provides software that collects attendance and order records from an organizer's own systems, assembles them into a dispute response, and, on the organizer's instruction, submits that response through the organizer's Stripe account.

Hingemark is a tool. We are not a party to any dispute, we do not hold or transfer funds, we do not represent you before any bank, card network or payment provider, and we do not provide legal advice.

2. Accounts, eligibility and roles

Hingemark is a business service. It is offered only to organizations and to individuals acting for them in the course of their work, never to consumers acting for themselves.

Every person who uses Hingemark must be at least 18 years old, or the age of majority where they live if that is higher. The service is not directed to children; we do not knowingly give access to anyone under that age, and we close any account we learn belongs to such a person.

Access is by invitation. An organization is created by a person who thereby accepts these Terms on the organization's behalf and warrants authority to do so; each member accepts them personally before first use and again whenever they change. We record who accepted which version, when, and from which IP address.

Owners manage members, keys and the Stripe connection; admins manage doors and integrations; reviewers decide cases. You are responsible for everyone you invite and for removing access when someone leaves.

3. Your records and their accuracy

You warrant that every event you send us (orders, tickets, scans, check-ins, notifications, refunds) reflects something that actually happened at the time it is recorded as happening. You will not send fabricated events, backdate scans, or alter records to influence a dispute.

We record when each event reached us and we quarantine records received after a dispute was opened. We may decline to submit a response, and may suspend or terminate the service, where records appear fabricated or manipulated. We may report such activity to Stripe as its agreements require.

4. Drafts, approval and submission

Narratives are drafted by an automated system from recorded facts and are shown to you as drafts. Before any submission a person with the appropriate role must review the response and confirm that, to the best of their knowledge, it is accurate. That confirmation is recorded with the submission.

Once submitted to Stripe, a response cannot be withdrawn by us. Deadlines are set by Stripe and the card networks; we send reminders but you are responsible for deciding in time.

5. No guarantee of outcome

Chargeback outcomes are decided by the cardholder's bank. Any score, label or percentage shown in the service describes the strength of the available evidence and is not a prediction, promise or guarantee that a dispute will be won. Historical win rates, where shown, are computed from closed cases and may not reflect future results.

6. Fees

Fees are described on the pricing page and in your order form: a percentage of amounts recovered on disputes we submitted, and/or a subscription for the door scanner. Recovery fees are based on Stripe's reported outcome and are invoiced through Stripe. Applicable sales taxes are added where required.

7. Data

You are the controller of personal data about your customers and staff; we process it only to provide the service, as set out in the Data Processing Addendum, which forms part of these Terms. Our Privacy Policy explains what we collect from users of the dashboard and website.

8. Acceptable use

You will not upload images of identity documents, biometric data, full card numbers, or any data you are not entitled to share with us. You will not use the service to build profiles of consumers across organizations or for any purpose other than responding to disputes on your own transactions.

9. Limitation of liability

To the extent permitted by law, our total liability arising out of the service in any twelve-month period is limited to the fees you paid us in that period, and we are not liable for lost disputes, lost revenue, or indirect or consequential damages. Nothing limits liability that cannot be limited by law.

10. Term, suspension, termination

Either party may terminate at any time. On termination we stop processing, you may export your data for 30 days, and personal data is deleted under the retention schedule in the DPA. Evidence ledger entries, which contain no direct identifiers, may be retained for integrity verification.

11. Changes

We may update these Terms with 30 days' notice by email to organization owners; continued use after the effective date is acceptance. Material changes require re-acceptance in the dashboard.

12. Governing law

These Terms are governed by the laws of Delaware (TBD), excluding conflict-of-law rules. Disputes are resolved in the state or federal courts located there.