Terms of Service

Recovra provides founder-led Payment Health services for business and professional merchants using Stripe. The public entry point is free Payment Triage. Triage helps Recovra understand the situation and does not itself create a paid engagement, diagnose a problem automatically, or select a package automatically.

After founder review, Recovra may provide free guidance or issue a bounded commercial offer for one of the current one-time levels of help. The exact package, price, included work, exclusions, required merchant information, delivery boundary, and recommendation rationale are shown in that offer before acceptance or payment.

Recovra does not guarantee dispute wins, account safety, account reopening, avoidance of restrictions, or any other Stripe, issuer, bank, card-network, or commercial outcome. External providers make their own decisions.

The current Recovra service is offered for business or professional use, not private consumer use. By accepting a paid commercial offer, you confirm that you are purchasing for a business or professional merchant context.

You must provide accurate business and contact information and have authority to request the work, accept the scope, and provide the information or systems Recovra is asked to review.

Payment Triage is free. You may describe the payment-health problem, provide relevant business context, and identify Stripe messages, active disputes, deadlines, or other signals that matter to the situation.

Do not submit card numbers, passwords, secret API keys, webhook secrets, authentication cookies, or other credentials through Payment Triage. Recovra may reject or delete unsafe material and may ask for a safer form of evidence later.

Submitting Triage does not guarantee that Recovra will recommend paid work or accept the case. Founder judgment remains authoritative for fit, recommendation, scope, and sensitive remediation decisions.

A paid engagement begins only after Recovra issues a founder-approved offer and the required scope, business-use, commercial-terms, and data-handling confirmations are accepted. The accepted commercial snapshot is stored so the agreed scope and price are not silently changed afterward.

Current paid levels are one-time services rather than a required subscription. Where checkout is enabled, the amount charged is taken from the stored server-side offer rather than from browser-supplied pricing. Tax presentation is shown only from the commercial configuration Recovra has verified for that checkout.

Payment processing is provided by Stripe. A browser return from Stripe does not by itself establish payment truth; Recovra records payment only from verified server-side payment information such as the signed Checkout webhook and related stored payment state.

If live checkout is not enabled or the required tax, legal, privacy, or webhook configuration is incomplete, Recovra may keep payment locked instead of creating a live charge.

Recovra performs only the work inside the accepted scope. Work outside that boundary requires a separate decision or a new commercial offer. A higher-package upgrade requires a separate founder decision and rationale rather than rewriting the original recommendation.

Timelines begin when Recovra has the information and access reasonably required for the accepted work. Missing, contradictory, unsafe, or late information can delay delivery or leave a finding Unknown.

Where implementation or testing is included, Recovra uses the agreed authorization boundary. Controlled production purchases, sensitive account changes, destructive actions, or other material production mutations require explicit agreement before execution.

For this policy, substantive work means case-specific analysis, evidence review, implementation, testing, preparation of the accepted deliverable, or other material work on the purchased scope. Ordinary payment administration or initial case setup alone is not substantive work.

If you cancel before Recovra begins substantive work on the accepted scope, Recovra provides a full refund.

If Recovra determines before unnecessary substantive work begins that a smaller package is sufficient, Recovra may downgrade the engagement and refund or avoid charging the unused price difference.

If Recovra made a qualification error that should reasonably have been caught before substantive work and, because of that error, cannot responsibly deliver the core accepted Recovra-owned scope, Recovra provides a full refund.

After substantive work has begun, a change of mind does not create an automatic right to a full refund. Where a clearly separable part of the accepted scope has not been delivered, Recovra may refund that undelivered portion fairly.

An unfavorable decision or outcome from Stripe, an issuer, a bank, a card network, or another provider does not create a refund right when Recovra has delivered the accepted work. Recovra does not sell or guarantee provider outcomes.

If required merchant information, approvals, or access remain missing, Recovra may send reminders and normally allow up to 14 calendar days to resolve the blocker before a final notice and case pause or closure. If substantive work never began, the payment is refunded. If meaningful substantive work has already been performed, there is no automatic full refund.

Duplicate charges and other confirmed billing errors are refunded in full for the erroneous amount.

Free Payment Triage does not require a Recovra account or direct Stripe login. Secure case access may be created after a paid case is verified and may require account authentication before evidence, findings, plans, testing, or implementation material is available.

Existing connected Recovra workspaces may also have a separate Stripe OAuth or Stripe App permission path for legacy dispute workflows. That connected-workspace capability is not a mandatory requirement for Payment Triage or every current Payment Health engagement.

You are responsible for keeping your Recovra login credentials secure and for notifying Recovra if you suspect unauthorized access.

Use only information you are authorized to share. Recovra uses submitted and connected data to operate the requested service, protect the platform, communicate about the case, and maintain the commercial and audit records needed for the engagement.

Evidence and findings may distinguish merchant-supplied material, publicly observed information, connected-provider data, official guidance, and Recovra-generated artifacts. Unknown or unverified information must not be presented as confirmed fact.

More detail about categories of data, providers, retention, cookies, and data rights is in the Privacy Policy. See Privacy Policy

Recovra is independent and is not Stripe support and is not endorsed by Stripe. Stripe and other payment, banking, issuer, card-network, hosting, email, analytics, or infrastructure providers operate under their own terms and availability.

Recovra cannot control provider downtime, policy changes, private risk models, account decisions, dispute outcomes, payout timing, or other actions taken by those third parties.

Recovra operates on a best-effort basis and does not guarantee uninterrupted availability of the website, case workspace, provider integrations, or third-party services.

Where an exact provider deadline matters, the merchant remains responsible for checking the authoritative deadline shown by the provider and for promptly supplying any information Recovra needs within the accepted scope.

You may ask Recovra to close your account or stop future work, subject to work already accepted, amounts already due, the Cancellation and Refunds section above, and records that must be retained for legitimate legal, contractual, security, claims, or operational purposes.

Recovra may refuse, pause, or terminate work that is unsafe, unlawful, fraudulent, outside the accepted scope, dependent on misleading evidence, or inconsistent with these terms.

To the extent permitted by applicable law, Recovra is not responsible for decisions made by Stripe or other third parties, for outcomes it does not control, or for losses caused by inaccurate, incomplete, unauthorized, or late information supplied by the merchant.

To the extent a contractual limitation is legally effective, Recovra's aggregate liability relating to a paid engagement is limited to the fees actually paid to Recovra for the affected engagement. Nothing in these terms excludes liability that cannot legally be excluded or limited.

Recovra may update these terms as the service evolves. A paid offer records the commercial-terms version accepted for that offer. Material changes that affect an active account or engagement may be communicated by email, workspace notice, or another appropriate channel.