Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Merchant," "you," or "your") and Vulta AI ("Vulta," "we," "us," or "our"), governing your access to and use of the Vulta AI platform, including all software, APIs, automation services, documentation, and related services (collectively, the "Service").

By registering for an account, clicking "I agree," or otherwise accessing or using the Service, you represent that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not access or use the Service.

If you are accepting these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

Vulta AI is a software-as-a-service (SaaS) platform designed to assist merchants who sell digital products — specifically online courses, coaching programs, and digital membership programs — in organizing and preparing documentation in response to payment card disputes (chargebacks) submitted to payment processors including Stripe, Visa, and Mastercard.

The Service includes the following components:

• Vulta Pixel (vulta.js): A JavaScript tracking script that merchants embed on their platforms to passively collect behavioral and technical evidence associated with their end customers' interactions with purchased digital products.
• Evidence Vault: A structured database that stores and organizes collected evidence signals (IP addresses, device identifiers, timestamps, course completion data, Terms of Service acceptance records) per customer email.
• AI Defense Engine: An automated system that uses large language models (LLMs) and heuristic scoring to generate chargeback rebuttal letters and evidence packages from the collected data.
• Auto-Pilot Mode: An automated submission feature that, when enabled and when the winnability score exceeds a defined threshold, automatically compiles the evidence package into a PDF and submits it to Stripe's dispute evidence API on the merchant's behalf.
• Dashboard & Reporting: A web interface for monitoring dispute status, reviewing evidence, and tracking recovered revenue.

The AI Defense Engine generates chargeback rebuttal letters and evidence summaries using automated language models. These outputs are produced entirely by software without attorney review, without jurisdiction-specific legal analysis, and without any guarantee of accuracy, completeness, or fitness for a particular dispute.

By using the Service, you acknowledge that you have independently reviewed, or have chosen not to review, any automated document before it is submitted. If you enable Auto-Pilot Mode, you expressly authorize Vulta to submit documents without your prior review of the specific content of each submission.

If you require legal advice regarding chargeback liability, fraud prevention compliance, or any related matter, you are strongly encouraged to consult a licensed attorney in the applicable jurisdiction.

Chargeback dispute outcomes are determined solely and exclusively by the issuing bank or card network adjudicator in its discretion. Vulta AI has no control over, and accepts no responsibility for, the decisions of Stripe, Visa, Mastercard, American Express, Discover, or any issuing financial institution.

Specifically, Vulta AI is not responsible for, and shall have no liability in connection with:

• Any funds lost as a result of a dispute decided against the merchant;
• Any chargeback fees, processing fees, or penalties charged by Stripe or any card network;
• Any suspension, restriction, or termination of the merchant's Stripe account or payment processing capabilities, including actions triggered by excessive chargeback ratios;
• Any reputational harm resulting from dispute proceedings;
• Any failure to submit evidence before a dispute deadline, including failures caused by technical errors, misconfiguration, or the merchant's failure to properly connect their Stripe account to the Service.

Past performance, win-rate statistics displayed on the Platform, or representations made in marketing materials are based on historical aggregate data and do not guarantee future results for any individual merchant or dispute.

To use the Service, you must be at least 18 years of age and have the legal capacity to enter into a binding contract. The Service is intended for business use and is directed exclusively at merchants selling digital courses, coaching programs, or digital membership communities that generate behavioral engagement data collectible by the Vulta Pixel. Merchants selling physical goods, tangible products, or simple digital downloads (eBooks, templates, files) are not eligible to use the Service and must not register an account. Use by individuals for personal, family, or household purposes is not permitted.

You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify Vulta of any unauthorized use of your account.

Vulta reserves the right to refuse registration, suspend, or terminate any account at its sole discretion, including if we determine that the merchant's products, business practices, or chargeback patterns violate these Terms, applicable law, or the acceptable use policies of our payment processor partners.

The success fee is calculated on the gross disputed amount as reported by Stripe at the time the dispute is closed in the merchant's favor. The fee applies regardless of whether the dispute was handled by Auto-Pilot Mode or by the merchant manually using the Service.

Vulta reserves the right to modify the fee rate upon thirty (30) days' prior written notice to the merchant. Continued use of the Service after the notice period constitutes acceptance of the updated fee rate.

In the event of non-payment of accrued success fees, Vulta reserves the right to suspend access to the Service until outstanding balances are settled.

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you agree to the collection, use, and sharing of information as described in the Privacy Policy.

The merchant grants Vulta a limited, non-exclusive, non-transferable license to collect, store, process, and use the end-customer data captured by the Vulta Pixel solely for the purpose of generating chargeback evidence on the merchant's behalf. Vulta will not sell, license, or otherwise commercially exploit end-customer data collected on behalf of a merchant to any third party.

The merchant represents and warrants that it has obtained all necessary consents and has provided all required disclosures under applicable law (including the GDPR, CCPA, and any other applicable privacy regulations) to permit Vulta to collect and process end-customer data as described herein.

• Any claim brought by the merchant's end customers or any third party arising from or related to the collection, storage, processing, or use of their personal data by the Vulta Pixel or any other component of the Service, including but not limited to claims under the GDPR, CCPA, or any other data protection or privacy law;
• The merchant's failure to properly disclose to its end customers that their data is shared with a third-party fraud prevention processor;
• The merchant's breach of any representation, warranty, or obligation under these Terms;
• Any content, evidence, or documentation submitted to Stripe or any payment processor by the merchant or by Vulta acting on the merchant's behalf;
• The merchant's violation of any applicable law, regulation, or card network rule;
• Any dispute between the merchant and its end customers, payment processor, or any card network.

Vulta reserves the right to assume exclusive control of the defense of any matter subject to indemnification hereunder, at the merchant's expense. The merchant agrees to cooperate with Vulta's defense of such claims.

In no event shall Vulta's total aggregate liability to the merchant for all claims arising out of or relating to these Terms or the Service exceed the total success fees actually paid by the merchant to Vulta during the twelve (12) month period immediately preceding the event giving rise to the claim, or one hundred U.S. dollars (USD $100), whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so the above limitations may not apply to you in full. In such cases, Vulta's liability will be limited to the fullest extent permitted by applicable law.

Without limiting the foregoing, Vulta AI makes no warranty that:

• The Service will meet your specific requirements or expectations;
• The Service will be uninterrupted, timely, secure, or error-free at all times;
• Any data, results, or output produced by the Service — including AI-generated chargeback rebuttal letters and winnability scores — will be accurate, complete, reliable, or suitable for submission to any payment processor or card network;
• Any defects or errors in the Service will be corrected;
• The Service will be compatible with any third-party platform, payment processor, or course platform used by the Merchant.

No advice or information, whether oral or written, obtained by you from Vulta AI or through the Service, shall create any warranty not expressly stated in these Terms. The disclaimer of warranties in this Section applies regardless of the form of action, whether in contract, tort, strict liability, or otherwise, and whether or not Vulta AI has been advised of the possibility of such damages.

The Service, including all software, algorithms, AI models, prompts, interfaces, designs, documentation, and content (excluding merchant-provided data), is and remains the exclusive property of Vulta AI and is protected by copyright, trade secret, patent, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes in accordance with these Terms.

You retain all ownership rights in the data you provide to the Service, including end-customer evidence data. By using the Service, you grant Vulta a limited license to use that data as described in these Terms and the Privacy Policy.

You may not copy, modify, create derivative works of, reverse engineer, decompile, or otherwise attempt to extract the source code of any part of the Service.

Either party may terminate these Terms at any time, for any reason, upon written notice to the other party. Upon termination, your right to access and use the Service will immediately cease.

Vulta may suspend or terminate your access to the Service immediately and without prior notice if: (a) you breach any provision of these Terms; (b) we are required to do so by law or at the direction of a regulatory authority; (c) continued provision of the Service to you becomes unlawful, commercially impractical, or harmful to Vulta or its other users.

Upon termination, Sections 3 (AI Disclaimer), 4 (No Guarantee), 7 (Fees, for amounts accrued prior to termination), 9 (Indemnification), 10 (Limitation of Liability), 11 (Intellectual Property), 13 (Governing Law), and all other provisions that by their nature should survive, shall survive termination.

Vulta will retain your data for a period of ninety (90) days following termination, after which it may be permanently deleted. You are responsible for exporting any data you wish to retain prior to termination.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Panama, without regard to its conflict of law provisions. Upon formation of a U.S. legal entity by Vulta, these Terms will be updated to reflect the governing law of the applicable U.S. jurisdiction, with thirty (30) days' prior written notice to Merchants.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall first be submitted to good-faith negotiation between the parties for a period of thirty (30) days from written notice of the dispute. If the dispute is not resolved through negotiation, it shall be resolved by binding arbitration in Panama City, Panama, under the arbitration rules of the Panama Chamber of Commerce, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

The prevailing party in any arbitration or court proceeding shall be entitled to recover reasonable attorneys' fees and costs from the non-prevailing party, to the extent permitted by applicable law.

Vulta AI shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent that such failure or delay is caused by circumstances beyond Vulta's reasonable control, including but not limited to:

• Acts of God, natural disasters, earthquakes, floods, or fires;
• War, terrorism, civil unrest, government actions, or regulatory changes;
• Failures, outages, or disruptions of third-party services upon which the Service depends, including but not limited to Stripe, Inc., Amazon Web Services, Railway, Anthropic, Resend, or any other infrastructure provider;
• Internet or telecommunications outages, denial-of-service attacks, or other cybersecurity incidents beyond Vulta's reasonable control;
• Pandemics, epidemics, or public health emergencies;
• Any other event or circumstance outside of Vulta's reasonable control.

For the avoidance of doubt, any failure by the Service to capture, process, or submit chargeback evidence by a dispute deadline due to a third-party service outage (including Stripe API downtime) shall constitute a Force Majeure event, and Vulta AI shall bear no liability for the resulting loss of the dispute. The Merchant acknowledges that Vulta AI's ability to perform is contingent upon the availability and proper functioning of third-party services not under Vulta's control.

In the event of a Force Majeure event, Vulta will use commercially reasonable efforts to notify affected Merchants and to resume normal operations as quickly as practicable.

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email at the address associated with your account and by posting a prominent notice on the Service at least fifteen (15) days before the changes take effect. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes.

If you do not agree to the updated Terms, you must stop using the Service and may terminate your account before the effective date of the changes.

If you have any questions about these Terms of Service, please contact us at: