Disclaimer

ProofVault is a transaction assurance and dispute-readiness platform. It is not a law firm, and it does not provide legal advice, legal representation, or legal services of any kind.

Nothing on this website, within the ProofVault platform, in any documentation, in any communications from ProofVault, or in any outputs generated by the platform constitutes legal advice. No attorney-client relationship is created or implied by your use of ProofVault or by any communication with ProofVault.

If you require legal advice about a specific dispute, a specific transaction, your contractual obligations, your compliance requirements, or any other legal matter, you should consult a qualified attorney or legal professional in the relevant jurisdiction.

ProofVault does not guarantee any specific outcome in any payment dispute, chargeback process, or related proceeding.

Dispute decisions are made by issuing banks, card networks, and payment processors. Outcomes depend on the specific evidence presented, the reason code involved, the policies of the relevant network and processor, the rules in effect at the time of the dispute, and factors that may be outside any party's control.

ProofVault helps merchants create stronger, more complete transaction records. A stronger record may improve a merchant's position in a dispute review, but ProofVault makes no representation that any particular transaction will be protected, that any particular dispute will result in a merchant-favorable outcome, or that using ProofVault eliminates the risk of chargebacks or dispute losses.

The ProofVault 7-Pillar Evidence Framework is based on ProofVault's analysis of publicly available guidance from payment processors, card networks, and financial institutions regarding the types of evidence relevant to payment disputes. It represents ProofVault's interpretation of general industry patterns and should not be treated as a definitive statement of what any specific processor or network requires in any specific situation.

Evidence requirements can vary by reason code, transaction type, network, processor, jurisdiction, and the specific circumstances of a dispute. ProofVault's framework is designed to help merchants capture stronger records generally, but it may not align with all requirements in all situations. Users should consult the dispute guidelines published by their specific payment processors and, where appropriate, seek legal advice.

References to specific payment processors, card networks, and financial institutions on this website and within the platform (including Stripe, Visa, Mastercard, PayPal, Square, and others) are made for informational and contextual purposes only.

ProofVault is not affiliated with, endorsed by, or partnered with any of these entities unless a formal partnership is explicitly stated. Dispute statistics, evidence standards, and procedural references are based on publicly available documentation and ProofVault's interpretation thereof. These may not reflect the most current rules or policies of any specific entity. Users should refer to the current published guidelines of their own payment processors and networks for authoritative information.

ProofVault makes reasonable efforts to ensure the accuracy of information published on this website and within the platform. However, we make no warranty, express or implied, as to the accuracy, completeness, or timeliness of any information.

Payment industry rules, dispute thresholds, processor policies, and legal requirements change. Information that was accurate at the time of publication may become outdated. You are responsible for independently verifying any information that is material to your business decisions.

To the fullest extent permitted by applicable law, ProofVault, its officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, reliance on any information provided, any dispute outcome, any chargeback loss, or any other matter related to your use of our services.

ProofVault's total liability to any user for any claim arising from or related to use of the service shall not exceed the amount paid by that user for the platform in the three months preceding the claim.

ProofVault integrates with or references third-party services, processors, and platforms. We are not responsible for the accuracy, availability, or policies of any third-party service. Integration with a third party does not constitute endorsement of that third party, and their terms, policies, and practices govern your use of their services.

This Disclaimer may be updated periodically to reflect changes in our services, industry practices, or legal requirements. The date of the most recent update is shown below. Continued use of the platform after an update constitutes acceptance of the revised Disclaimer.