Terms of Service

Last updated: April 20, 2026

These Terms of Service ("Terms") govern your access to and use of the WinBack Stripe App and the website at winbackpay.com(collectively, the "Service"), operated by JB Technology LLC ("WinBack," "we," "us," or "our"). By installing or using the Service, you agree to these Terms. If you do not agree, do not install or use the Service.

1. The Service

WinBack is a Stripe App that helps merchants respond to payment disputes. The Service provides reason-code-specific playbooks, an AI-assisted dispute narrative generator, evidence checklists, and reporting. WinBack is a tool that guides you through the dispute process. It is not a legal, financial, or payment-services adviser, and it is not a managed dispute service.

2. Eligibility and account

To use the Service, you must have a Stripe account in good standing, be authorized to act on behalf of the business associated with that Stripe account, and be legally capable of entering into a binding contract. We authenticate you through Stripe, and your access to the App is tied to your Stripe account.

You are responsible for keeping your Stripe credentials secure and for all activity that occurs under your account.

3. Fees and billing

WinBack is offered under a hybrid pricing model. Current options include:

  • Pay-Per-Win. No monthly fee. We charge a success fee of fifteen percent (15%) of any dispute amount you recover while using the Service.
  • Pro. A flat monthly fee of $79 per month for unlimited disputes and no success fee.

Fees are billed through Stripe. By using the Service, you authorize WinBack to charge applicable fees to the payment method associated with your Stripe account. Fees are non-refundable except where required by law. We may change our pricing or plans by posting an update and, where required, giving you advance notice through the App or by email. Continued use of the Service after a pricing change means you accept the new pricing.

You are responsible for any taxes associated with your use of the Service other than taxes based on our net income.

4. Your responsibilities

You agree that you will:

  • Provide accurate, complete, and current information in any dispute response you submit through the Service
  • Only upload evidence that you have the right to use and that is not fraudulent, misleading, or unlawful
  • Review every AI-drafted narrative before submission and take responsibility for its contents
  • Comply with all applicable laws and with Stripe's terms
  • Not misuse the Service to make false dispute claims, to submit fabricated evidence, or to defraud your customers, your payment processor, or any third party

5. Evidence submissions are final

When you submit a dispute response through the Service, WinBack relays the narrative and evidence file identifiers to Stripe. Stripe's submission of dispute evidence to the card network is final and cannot be undone. You are solely responsible for reviewing and approving each submission before it is sent. Once submitted, a response cannot be retrieved, edited, or withdrawn through the Service.

6. AI-generated content

The Service uses Anthropic's Claude models to draft dispute narratives from the facts, evidence metadata, and playbook instructions you provide. AI-generated text may contain errors, omissions, or statements that are inaccurate or unsupported by your evidence.

  • You are responsible for reviewing, editing, and approving any AI-generated content before it is submitted to Stripe or to any third party
  • We screen generated narratives for fabricated evidence references and strip references that do not match files you have actually uploaded, but we cannot guarantee that every generated statement is accurate
  • You retain the right to edit, replace, or discard any AI-generated narrative at any time

7. No guarantee of dispute outcomes

Card networks, issuing banks, and Stripe make the final decisions on every dispute. WinBack provides guidance based on reason-code playbooks and historical patterns, but we cannot guarantee that any dispute will be won or that any particular amount will be recovered. Past performance does not predict future results. Nothing in the Service constitutes legal advice.

8. Intellectual property

WinBack, including its playbooks, software, designs, and content, is owned by JB Technology LLC and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes and in accordance with these Terms.

You retain ownership of the data, narratives, and evidence you provide. You grant WinBack a limited license to process that content as needed to operate the Service, including transmitting it to Stripe and to the subprocessors listed in our Privacy Policy.

You may not reverse engineer, resell, or create derivative works from the Service without our prior written consent.

9. Acceptable use

You may not use the Service to:

  • Violate any law, regulation, card network rule, or third-party right
  • Submit dispute responses containing fraudulent, fabricated, or misleading information
  • Reverse engineer, probe, or interfere with the security of the Service
  • Attempt to gain unauthorized access to another merchant's account or data
  • Use the Service to harass, defame, or harm any individual or entity
  • Resell, sublicense, or offer the Service as a managed dispute service to third parties without our prior written consent

10. Termination

You may stop using the Service at any time by uninstalling the App from your Stripe Dashboard. We may suspend or terminate your access to the Service if you breach these Terms, if we are required to do so by law, or if continuing to provide the Service would expose WinBack or other merchants to material risk.

Upon termination, your right to use the Service ends. Provisions that by their nature should survive termination will survive, including sections on intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WINBACK DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR FREE, OR SECURE, OR THAT ANY DISPUTE RESPONSE SUBMITTED THROUGH THE SERVICE WILL RESULT IN A FAVORABLE OUTCOME.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WINBACK AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID WINBACK IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) $100.

13. Indemnification

You agree to defend, indemnify, and hold harmless JB Technology LLC and its officers, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Service, your dispute submissions, your violation of these Terms, or your violation of any law or third-party right.

14. Governing law and venue

These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. You and WinBack agree that any action arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in San Francisco County, California, and you consent to personal jurisdiction and venue in those courts.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of the page. For material changes, we will provide additional notice, such as emailing you or displaying a notice inside the App. Your continued use of the Service after the change takes effect means you accept the revised Terms.

16. Miscellaneous

  • Entire agreement. These Terms, together with our Privacy Policy, form the entire agreement between you and WinBack regarding the Service.
  • Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.
  • No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
  • 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.
  • No agency. Nothing in these Terms creates an agency, partnership, joint venture, or employment relationship between you and WinBack.

17. Contact us

Questions about these Terms can be sent to: