These Terms of Service (“Terms”) govern your use of the Chargetower Defense Ltd (“Chargetower”, “we”, “us”, or “our”) website at chargetower.io and our secure portal at portal.chargetower.io (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.
Chargetower provides chargeback alert, dispute resolution, fraud prevention, and identity verification technology services to merchants and vendors within the payments industry. Our website provides information about our services, and we provide access to our technology platform through our secure portal and API for clients with formal service agreements.
Access to our actual services requires separate contractual arrangements. We are not a regulated financial services provider and do not provide financial, legal, or investment advice.
You may use our website to learn about our services and contact us for business enquiries. Any actual use of our chargeback alert, fraud prevention, or identity verification services requires separate contractual arrangements.
When using our website or attempting to access our portal or API, you must not:
Access to our secure portal at portal.chargetower.io and our API services is restricted to authorised users only. Both portal and API access are provided following formal service agreements and are subject to separate contractual terms and conditions. Unauthorised attempts to access the portal or API may be subject to civil or criminal penalties under the Cyprus Law on Combating Cybercrime (Law 22(III)/2004) and other applicable laws.
This section applies to merchants who use the Chargetower service through the Chargetower app for Shopify without a separate written agreement. Where a merchant has a written agreement with Chargetower, that agreement prevails.
Chargetower receives chargeback and fraud alerts issued by card network programmes for the merchant’s payment descriptors, shows them in the portal, matches them to the merchant’s Shopify orders, records the outcome the merchant chooses and reports it to the programme. Alerts are issued by third-party programmes and delivered through our alert provider; Chargetower does not control which transactions receive an alert or when. Enrolment of a merchant’s descriptors with those programmes may take time and may be declined by the programme.
Installing the app creates a Chargetower account for the business that owns the store. The merchant is responsible for the accuracy of its details, for keeping its users’ credentials confidential, for everything done under its account, and must have the authority to connect the stores it connects.
Automatic refunds run only for alert sources the merchant has left switched on, only for alerts matched to an order with certainty, and only within the amount limit and other rules the merchant sets in the portal. The merchant may switch them off at any time. A refund issued under the merchant’s rules is the merchant’s refund; Chargetower carries it out on the merchant’s instructions and is not liable for refunds issued in accordance with those rules. The merchant is responsible for keeping other refund tools from acting on the same alerts.
Installation of the app is free. Fees are charged per alert received, at the rates shown in the merchant’s portal or agreed in writing, and invoiced monthly once alerts start flowing to the account and pricing has been confirmed with the merchant. Unpaid invoices may lead to the suspension of alert delivery after notice.
Merchants who install Chargetower from the Shopify App Store pay through Shopify. Per-alert fees are recorded as usage charges on the app subscription approved in the store admin, up to the spending cap the merchant approved there, and appear on the merchant’s Shopify bill. Shopify’s billing terms apply to those charges; no invoices are issued by Chargetower for them. Merchants onboarded directly are invoiced as described above.
For personal data of the merchant’s customers that the service handles, the merchant is the controller and Chargetower is the processor. Chargetower processes that data only to provide the service and on the merchant’s instructions, which these Terms and the settings in the portal constitute; processes only the data described in Section 16 of the Privacy Policy and for no other purpose; protects it with the measures described in the Privacy Policy, including encryption in transit and at rest; engages only the sub-processors named in the Privacy Policy and remains responsible for them; assists the merchant with its customers’ data protection requests, including those Shopify forwards to the app; notifies the merchant without undue delay after becoming aware of a personal data breach affecting the merchant’s data; and deletes the merchant’s data when the account is closed, except where the law requires it to be kept. The merchant is responsible for having a lawful basis to share its customers’ data with Chargetower and for its own privacy notices.
In addition to Section 11, Chargetower is not liable for the decisions of card network programmes or their participants, for chargebacks that were not alerted, or for losses arising from inaccurate data supplied by the merchant or a third party. For app users, the maximum liability in 11.2 is the fees paid by the merchant in the three months before the claim arose.
Either party may end the agreement at any time. The merchant ends it by closing its account or asking us to; uninstalling the app alone disconnects the store but does not close the account. Fees for alerts received before termination remain payable.
All content on our Services, including text, graphics, logos, images, software, and trademarks, is owned by Chargetower Defense Ltd or our licensors and is protected by intellectual property laws.
We grant you a limited, non-exclusive licence to access and view our website content for personal, non-commercial use. This licence does not include the right to download, copy, modify, or distribute our content.
Any information you submit through our website (such as contact forms or enquiries) remains your property, but you grant us the right to use it to respond to your enquiry and for legitimate business purposes.
Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to our privacy practices as described in our Privacy Policy.
We use cookies and similar technologies to improve your experience on our website. You can control cookie settings through your browser preferences.
Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites. We recommend reviewing their terms and privacy policies before use.
We aim to keep our Services available, but we cannot guarantee uninterrupted access. Our Services may be temporarily unavailable due to maintenance, updates, or technical issues.
We may modify, update, or discontinue any aspect of our Services at any time without prior notice.
Our Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, to the fullest extent permitted by Cyprus law.
While we strive to provide accurate information, we do not warrant that all content on our Services is accurate, complete, or up-to-date.
We do not guarantee that our Services will be error-free, secure, or free from viruses or other harmful components.
To the fullest extent permitted by Cyprus law, Chargetower Defense Ltd shall not be liable for any:
Our total liability to you in connection with your use of our website (excluding any separate service agreement) shall not exceed €100.
Nothing in these Terms excludes our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under Cyprus law.
You agree to indemnify and hold harmless Chargetower Defense Ltd from any claims, damages, or expenses arising from your use of our website or violation of these Terms.
We may restrict or block access to our Services at any time, with or without cause or notice, including for violations of these Terms or security concerns.
These Terms are governed by the laws of the Republic of Cyprus. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Republic of Cyprus.
We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on our website. Your continued use of our Services constitutes acceptance of the updated Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy and, for merchants using the Chargetower app for Shopify, Section 5, constitute the entire agreement between you and Chargetower Defense Ltd regarding your use of our Services.
Parodos Eleftherias Street 14, 4520 Parekklisia, Cyprus
Company Number: HE490563 · VAT: CY60346070E
Website: chargetower.io
Portal: portal.chargetower.io
Email: niko@chargetower.io
For business enquiries regarding our chargeback alert, fraud prevention, or identity verification services, separate terms and conditions will apply as set out in your service agreement.