Privacy & Terms

Terms of Service

1. Acceptance of Terms

By accessing and using Presolve's services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our services.

2. Description of Service

Presolve provides a payment dispute prevention and risk analysis platform that helps merchants identify transactions that are likely to result in disputes. Our service includes predictive analytics, risk scoring, and reporting tools.

3. User Obligations

You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Comply with all applicable laws and regulations

4. Data Usage

You grant Presolve the right to process transaction data you provide to deliver our services. We will handle your data in accordance with our Privacy Policy. Presolve may use aggregated, anonymized data for improving our services and developing new features.

5. Pricing and Payment

Pricing is based on usage as described on our pricing page. You agree to pay all fees associated with your use of the service. Fees are non-refundable except as required by law. We reserve the right to change our pricing with 30 days' notice.

6. Service Availability

We strive to provide reliable service but do not guarantee uninterrupted access. We may temporarily suspend service for maintenance or updates. We are not liable for any loss or damage resulting from service interruptions.

7. Intellectual Property

All content, features, and functionality of Presolve are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without permission.

8. Limitation of Liability

Presolve provides analytical tools and insights but does not guarantee specific results. We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Termination

Either party may terminate this agreement at any time. Upon termination, your right to use the service will immediately cease. We will delete your data in accordance with our data retention policies.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes via email or through our platform. Continued use of the service after changes constitutes acceptance of the new terms.

Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Account Information: Name, email address, company name, and password
• Transaction Data: Payment transaction details you upload for analysis
• Usage Information: How you interact with our platform
• Technical Data: IP address, browser type, device information

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Analyze transaction data to provide risk insights
• Send you technical notices, updates, and support messages
• Respond to your comments and questions
• Detect, prevent, and address technical issues and fraud
• Improve our machine learning models using aggregated, anonymized data

3. Information Sharing

We do not sell your personal information. We may share information in the following circumstances:

• Service Providers: We work with third-party service providers who perform services on our behalf (Auth0 for authentication, AWS for infrastructure)
• Legal Requirements: If required by law or to protect our rights
• Business Transfers: In connection with a merger, sale, or acquisition
• With Your Consent: When you explicitly agree

4. Data Security

We implement appropriate technical and organizational measures to protect your data, including encryption in transit and at rest, access controls, and regular security assessments. However, no method of transmission over the Internet is 100% secure.

5. Data Retention

We retain your information for as long as your account is active or as needed to provide services. We may retain and use information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements. Transaction data is typically retained for the duration of your subscription plus 90 days.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access and receive a copy of your personal information
• Correct inaccurate information
• Request deletion of your information
• Object to or restrict processing
• Data portability
• Withdraw consent

To exercise these rights, please contact us at legal@presolve.co.

7. Cookies and Tracking

We use cookies and similar technologies to collect usage information and improve our services. You can control cookies through your browser settings. Note that disabling cookies may affect service functionality.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

9. Children's Privacy

Our service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through our platform. Your continued use of the service after changes constitutes acceptance.