Terms of Service

These Terms of Service ("Terms") form a binding agreement between you ("you", "your", or "Operator") and Vinay Maheshwari, the sole-proprietor operating TraceTxn ("TraceTxn", "we", "us", or "our"). They govern your access to and use of the TraceTxn platform, our websites, and any related services (collectively, the "Service").

By creating an account, opening a workspace, or otherwise accessing the Service, you accept these Terms in full. If you do not agree, do not use the Service.

If you accept these Terms on behalf of an employer or other legal entity, you represent that you have authority to do so and to bind that entity. "You" then refers to that entity.

TraceTxn is a software platform that helps operators take payments, capture customer consent, track payment lifecycle events, and assemble evidence for chargeback / dispute defense. TraceTxn connects to your own payment-processor account (today, Stripe) using credentials you provide, a model commonly called "bring your own Stripe" (BYOS).

We do not process payments on our own account. Funds move directly between your customers and your connected payment-processor account. We never see, store, or have access to card numbers.

You must register an account to use the Service. You agree to provide accurate information at sign-up, keep it current, and maintain the confidentiality of your sign-in credentials. You are responsible for all activity on your workspace and for ensuring that anyone you invite complies with these Terms.

Eligibility

You must be at least 18 years old, legally capable of entering into binding contracts, and not barred under applicable law from receiving the Service. The Service is intended for business use, not for personal, family, or household purposes.

Workspace ownership

The user who creates a workspace is its initial owner. Owners control billing, member access, and may transfer workspace ownership through in-product workflows when provided.

You agree not to use the Service to:

• violate any law, regulation, third-party right, or payment-processor terms (including Stripe's Restricted Businesses);
• transmit malware, attempt to interfere with the Service's integrity, or probe for vulnerabilities outside the responsible-disclosure process described on our Security page;
• attempt to reverse-engineer, decompile, or extract source code from the Service, except as expressly permitted by law;
• scrape, mirror, or use the Service to build a competing product;
• send unsolicited communications, infringing content, or content that is fraudulent, deceptive, or designed to harm others;
• misrepresent your identity, impersonate any person or entity, or process payments under a business identity that does not belong to you.

You are responsible for the lawfulness of the goods and services you offer through the Service, the accuracy of information you collect, and your compliance with the terms of any payment processor you connect.

You retain all rights to the data and content you submit to the Service ("Your Data"). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, and display Your Data only as necessary to provide the Service, prevent abuse, comply with law, and improve the Service while you have an active account.

You represent that you have all rights, consents, and legal bases needed to submit Your Data to the Service, including for any personal information of your customers.

When you use the Service to process personal information of your customers, we act as a processor on your behalf. Our handling of that data is described in our Privacy Policy and, where a data processing addendum is required, in our DPA.

You connect your own Stripe account to TraceTxn. Funds collected through that account flow directly between your customers and Stripe and then to your bank, TraceTxn never holds settlement funds. Your contractual relationship for payment processing is with Stripe, governed by Stripe's terms.

Stripe processing fees, chargeback fees, currency conversion spreads, and any other amounts charged by Stripe are between you and Stripe. TraceTxn does not add any per-transaction fee on top.

You are responsible for keeping your Stripe credentials and webhook signing secrets up to date, configuring your Stripe account properly, and complying with Stripe's ongoing requirements (including, where applicable, PCI scope reduction using Stripe-hosted checkout).

Access to TraceTxn is offered on a subscription basis. Current tiers, pricing, and feature differences are described on our Pricing page. You may change tiers at any time; tier changes take effect on the next billing cycle.

Subscriptions renew automatically each billing period unless you cancel before the renewal date. If you cancel mid-period, your workspace stays on the paid tier until the end of the paid period and then converts to read-only access subject to our retention policy.

We offer a 14-day no-questions money-back guarantee on new paid subscriptions. Full conditions and the request process are described in our Refund Policy.

We may change subscription prices on at least 30 days' email notice. Price changes take effect at the start of your next billing cycle after the notice period; you may cancel before then to avoid the new price.

You may stop using the Service at any time and may delete your workspace through in-product workflows. We may suspend or terminate your access if:

• you materially breach these Terms, including the Acceptable Use section;
• your account is past due on subscription fees and remains unpaid for more than 10 days after notice;
• we reasonably believe continued service exposes us, our other users, your customers, or third parties to legal, security, or reputational risk;
• required by law, court order, or payment-processor demand.

On termination, your right to use the Service ends. We will make reasonable efforts to let you export Your Data for at least 30 days after termination, after which we may delete Your Data subject to legal retention obligations.

TraceTxn, the Service, our trademarks, logos, and all underlying software, designs, and content (excluding Your Data) are owned by us or our licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your internal business purposes during your subscription.

You agree not to remove, alter, or obscure any proprietary notices, and not to use our trademarks except as permitted in writing or under fair-use principles.

Feedback you provide about the Service is appreciated and may be incorporated without obligation to you. You grant us a perpetual, royalty-free licence to use such feedback for any purpose without restriction.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR DEFECT WILL BE CORRECTED.

The Service is a tool. We do not provide legal advice, financial advice, accounting advice, or chargeback guarantees. You remain responsible for your business decisions, including what evidence you submit in any payment dispute.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF: (a) THE FEES YOU ACTUALLY PAID TO US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) USD 100.

Nothing in these Terms limits liability that cannot be limited under applicable law, for example, liability for gross negligence, willful misconduct, or fraud.

You agree to defend, indemnify, and hold us harmless from any third-party claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of: (a) Your Data; (b) your use of the Service in violation of these Terms or applicable law; (c) your products, services, or business operations; or (d) your relationship with your customers or your payment processor.

We may update these Terms from time to time. If we make material changes that adversely affect you, we will notify you by email or through the Service at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

These Terms are governed by the laws of India, without regard to its conflict-of-laws principles. The courts located in the operator's ordinary place of residence in India have exclusive jurisdiction over any dispute arising out of or relating to these Terms, except that either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual-property rights.

The parties will use good-faith efforts to resolve disputes informally before commencing formal proceedings. Notices of dispute should be sent to [email protected].

1. Entire agreement. These Terms, together with the Privacy Policy, Refund Policy, and any DPA we sign with you, are the entire agreement between you and us on their subject matter.
2. Severability. If any provision is held unenforceable, the remainder of these Terms remains in effect.
3. No waiver. Failure to enforce a provision is not a waiver of our right to enforce it later.
4. Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
5. Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control.
6. Notices. Legal notices to us must be sent to [email protected]. Notices to you may be sent to the email associated with your workspace.

Questions about these Terms? Email [email protected]. For product or account support, see our Contact page.