Terms of Service

These terms are the agreement between your business and us for using Flatfight. Please read sections 5, 6 and 13 closely: they explain what Flatfight does in your Stripe account, what you remain responsible for, and the limits of our liability.

1. Who you are dealing with

Flatfight is a product of Dripwork, a business registered in Finland:

In these terms, "we", "us" and "our" mean the above. "You" means the business that creates a Flatfight account, and "your team" means the people you let sign in to it.

2. For businesses only

Flatfight is a business tool. By creating an account you confirm that you act for a business, trade or profession, and that the person accepting these terms is authorised to bind that business. Consumer protection rules that only apply to consumers do not apply to this agreement.

3. The service

Flatfight connects to your Stripe account, imports your disputes, gathers evidence from Stripe and from the data you send us, scores each case, drafts an evidence package, and submits it to Stripe when you approve it. The current features are described on our website and in the app. We may improve, change or remove features over time. If a change materially reduces what your paid plan includes, we will tell you at least 30 days in advance and you may cancel before it takes effect.

4. Your account

• You sign in with a one-time link sent by email. Keep your team's mailboxes secure: anyone who controls a team member's mailbox can sign in as them.
• Give accurate account details and keep them up to date.
• You are responsible for what your team does in your account, and for removing access for people who should no longer have it.
• Tell us promptly at support@flatfight.com if you suspect unauthorised access.

5. Your Stripe account and our authority

You connect Stripe either by installing the Flatfight app from Stripe or by giving us a restricted API key. Either way, you authorise us to:

• read the Stripe data listed on our security page, for the purpose of preparing your dispute responses;
• submit dispute evidence and, where you choose to, accept disputes, in your Stripe account on your behalf.

Nothing is submitted without your authorisation. By default each evidence package waits for a team member to click Submit. If you turn on autopilot, you authorise us in advance to submit evidence packages that Flatfight scores as strong, about 48 hours before the deadline, without a further click. You can turn autopilot off at any time; it stops applying to submissions not yet made.

Stripe usually allows evidence to be submitted only once per dispute. If Stripe's Smart Disputes auto-submission is turned on in your Stripe settings, Stripe may submit its own packet before you approve ours. Turning it off is your decision and your responsibility; Flatfight warns you when it detects the risk.

You can disconnect Stripe at any time from the app or from your Stripe Dashboard. We then stop accessing your Stripe account and delete the stored credentials.

6. Evidence, accuracy and outcomes

You are responsible for the evidence submitted from your account. Flatfight assembles evidence from Stripe, from data you send us and from text you enter. Before approving a package, check that it is accurate and complete. When you submit, you confirm that, to your knowledge, the evidence is true and that you have the right to share it with Stripe and the card networks.

Summaries in an evidence package are drafted with an AI model (see section 8) from the facts Flatfight gathered. Our fact checker rejects sentences that cite facts we do not hold, but no check is perfect, and the AI can misread a fact. Read the draft before you approve it.

We do not guarantee any outcome. The card issuer decides every dispute, under rules set by the card networks. Case scores are our estimate of the strength of your evidence; they are not predictions of the issuer's decision. Flatfight is not a law firm and does not give legal or financial advice.

7. Your data

You keep all rights in the data you put into Flatfight or that we import from your Stripe account ("your data"). You give us permission to use your data only to provide, secure and support Flatfight for you, as described in these terms and in our Privacy Policy.

Your data includes personal data about your customers. For that data you are the controller and we are your processor, and our Data Processing Agreement applies. It forms part of these terms. You are responsible for having a lawful basis to send us your customers' data, including activity data sent through our API or CSV import, and for telling your customers about it in your own privacy notice.

You choose how long we keep decided disputes and activity data (6 to 36 months). You can export your data as a ZIP file or delete your account at any time from Settings. We never sell your data and never use it to train AI models.

8. AI-drafted text

Flatfight uses Anthropic's Claude models to draft the written summary of an evidence package. Only the facts gathered for that dispute are sent, under Anthropic's commercial terms, which do not allow Anthropic to train models on that data. If the AI is unavailable or its draft fails our fact check, Flatfight uses plain template text built from the same facts. You can edit any text before you submit.

9. Acceptable use

You must not use Flatfight to:

• submit evidence you know or suspect to be false, altered or misleading, or invent customer activity;
• process data you have no right to process, or special category data such as health data;
• break the Stripe Services Agreement, card network rules or any law;
• probe, overload or attack Flatfight, or get around its limits or security;
• copy, resell or reverse engineer Flatfight, or use it to build a competing product;
• share your API keys outside your organisation.

We may suspend access in line with section 14 if you break these rules.

10. Free trial

New accounts get a 14-day free trial. No payment card is needed. During the trial you can submit up to 40 evidence packages. When the trial ends, submissions pause until you choose a plan. Your data, imported disputes and drafts stay in your account in the meantime, subject to your retention setting.

11. Plans, billing and cancellation

Who you pay. Paid plans are sold through Stripe Managed Payments. Link, a Stripe company, resells Flatfight subscriptions and is the merchant of record: it charges your card, calculates and collects VAT and other sales taxes, issues your invoices and handles payment questions. Your card statement shows LINK.COM* FLATFIGHT. Link's own terms apply to the payment. These terms apply to your use of Flatfight.

Plans and limits. Plans are billed monthly in advance, in US dollars, at the prices shown on our pricing section when you subscribe. Each plan allows a number of evidence packages to be submitted through Flatfight per calendar month. Imports, drafts and scoring are not limited. If you reach your limit, submissions pause until the next month or until you upgrade. We take no percentage of any amount you recover.

Renewal and cancellation. Subscriptions renew automatically each month. You can cancel at any time from the Billing page; your plan stays active until the end of the paid month and then does not renew. We do not refund partial months, except where the law or Link's terms require it. If you think you were charged in error, email support@flatfight.com within 30 days.

Price changes. We will give you at least 30 days' notice by email before a price change applies to your subscription. If you do not agree, cancel before it takes effect.

Unpaid subscriptions. If a payment fails and is not resolved, submissions pause. Your data is kept, and nothing is deleted because of a failed payment.

12. Stripe and other third parties

Flatfight depends on Stripe's services and APIs. We are not responsible for Stripe's availability, its decisions, or changes it makes to its products or API. Stripe is a trademark of Stripe, Inc. Flatfight is an independent product and is not made or endorsed by Stripe. A listing on the Stripe App Marketplace is not an endorsement.

The providers we use to run Flatfight are listed on our security page and in the DPA.

13. Warranties and liability

We will provide Flatfight with reasonable skill and care. Apart from that, and to the fullest extent the law allows, Flatfight is provided "as is", without warranties of uninterrupted availability, fitness for a particular purpose or any dispute outcome.

Neither of us is liable to the other for indirect or consequential loss, loss of profit, revenue or goodwill, or loss of data that could have been avoided by keeping backups.

In particular, we are not liable for disputes you lose, for evidence submitted or not submitted by Stripe's Smart Disputes, or for deadlines missed because of Stripe's systems, a disconnected or invalid Stripe connection, a paused subscription, or settings you chose.

Our total liability under or in connection with these terms in any 12-month period is limited to the fees you paid for Flatfight in that period.

These limits do not apply to liability that cannot be limited by law, including liability for intent or gross negligence, or to your obligations under section 9 and your payment obligations.

You will compensate us for third-party claims, losses and reasonable costs caused by evidence you submitted in breach of section 6, or by data you sent us without the right to do so.

14. Suspension and ending the agreement

This agreement runs until you delete your account or either of us ends it. You can end it at any time by deleting your account in Settings. We can end it with 30 days' notice by email, and we will refund any fees paid for the period after the end date.

We may suspend access immediately if you seriously breach these terms, if your use puts Flatfight, Stripe or other customers at risk, or if the law requires it. We will tell you why, and restore access once the problem is fixed, unless the breach is serious enough to end the agreement.

When the agreement ends, we delete your data as described in the DPA and our Privacy Policy. Export it before you delete your account if you want a copy.

15. Intellectual property and feedback

Flatfight, its software, design and brand belong to us. These terms give you a non-exclusive, non-transferable right to use Flatfight for your business while your account is active. If you send us suggestions, we may use them without obligation to you.

16. Confidentiality

Each of us will keep the other's non-public information confidential and use it only for this agreement, except where disclosure is required by law. Your data is confidential information.

17. Changes to these terms

We may update these terms. For material changes we will email the account owner at least 30 days before they apply. If you keep using Flatfight after that date, the new terms apply. If you do not agree, you can delete your account before then. The date at the top shows when these terms last changed.

18. Governing law and disputes

These terms are governed by the laws of Finland, excluding its conflict-of-law rules. We will try to settle any disagreement by talking first. If we cannot, the Oulu District Court (Oulun käräjäoikeus) has exclusive jurisdiction.

19. General

These terms, together with the DPA and the plan you chose, are the whole agreement between us about Flatfight. If a court finds part of them unenforceable, the rest stays in force. Neither of us may transfer this agreement without the other's consent, except that we may transfer it to a successor of the Flatfight business, with notice to you. Notices to you go to the account owner's email address. Notices to us go to privacy@flatfight.com.

20. Contact

Support: support@flatfight.com
Legal and privacy: privacy@flatfight.com