Privacy policy.

representments.com is operated by Andamento Advisors LLC, a Delaware limited liability company. We provide chargeback rebuttal letter services to merchants. This policy explains what personal and business data we collect when you use the service, how we use it, and how long we keep it.

You can reach us about anything in this policy at hello@representments.com.

Account information. Business name, business email address, payment processor name, and any context you give us at signup or in support correspondence.

Forwarded chargeback notifications. When you forward a dispute notification to your dedicated address, we receive the email body and any attachments. These typically contain the dispute amount, transaction date, reason code, last four digits of the card, dispute deadline, and cardholder claim narrative.

Generated letters and case metadata. The .docx letter we draft for you, plus the metadata of the case (reason code, issuer, business type, outcome if you report it).

Operational logs. Email delivery logs, webhook traces, error logs, IP address at signup, and timestamps. Used for debugging and abuse prevention.

Attribution data. When you arrive at the site, a first-party cookie records the campaign parameters in your URL (utm_source, utm_medium, utm_campaign, utm_content, utm_term), the referring page if any, and the page you landed on. We use this to understand which channels reach merchants who become customers. The cookie is HttpOnly, expires in 30 days, and is never shared with third-party advertising or analytics platforms. If you sign up, we snapshot the values into your merchant record so we keep the attribution context after the cookie expires.

Billing data. Stripe is our payment processor. We do not store full card numbers, CVVs, or bank account numbers. Stripe holds that data under its own privacy policy and PCI DSS compliance.

We never store full primary account numbers (PANs), CVV codes, bank account numbers, or cardholder Social Security numbers. If a forwarded notification contains an apparent full card number, our intake quarantines and rejects it before storage.

To draft your rebuttal letters and run the service.

To improve the drafting logic that powers letter generation. We anonymize case metadata (reason code, issuer, outcome) and aggregate it across customers; we do not share identifiable customer data with anyone.

To send you transactional emails (welcome, letter delivery, outcome reminders, quarterly reports, billing notices). We do not send marketing emails.

To detect and prevent abuse of the free-first-letter offer and of the subscription tier caps.

• Forwarded chargeback notifications: 30 days
• Generated letters: 90 days
• Identifiable case metadata: 12 months, then anonymized
• Customer profile: while your subscription is active, plus 30 days
• Anonymized outcome data: indefinitely
• Email and webhook logs: 30 days
• Stripe billing records: per Stripe's policy

You can ask us to access, correct, or delete the personal data we hold about you. Email hello@representments.com with the request. We respond within 30 days.

If you are a California resident, the California Consumer Privacy Act gives you specific rights. We do not sell personal information and have no “do not sell” obligation under CCPA.

Data is encrypted in transit (TLS) and at rest. Secrets are stored in Vercel environment variables. All expert dashboard accounts use two-factor authentication. We do not handle PCI-scoped cardholder data.

The website uses only the minimum cookies required to serve the pages and remember your session. We do not run third-party analytics or advertising trackers.

When we make a material change, we will email active customers and update the effective date at the top of this page. The current version always lives at this URL.