Terms of service.

These terms govern your use of representments.com, operated by Andamento Advisors LLC, a Delaware limited liability company (“we”, “us”). By signing up for the free first letter or for a paid subscription, you agree to these terms.

A subscription chargeback rebuttal letter service. When you forward a card-dispute notification to your dedicated address, we draft a custom rebuttal letter within 48 hours and email it to you as an editable Word document.

You submit the letter through your own payment processor. We do not access your processor account, and we do not submit disputes on your behalf.

We are not a law firm. Drafting a rebuttal letter for a card representment is not the practice of law, and nothing we send you is legal advice. If you need legal advice, retain counsel.

We do not handle pre-arbitration or arbitration stages or card-present disputes.

We do not guarantee outcomes. Issuing banks decide chargeback disputes based on the evidence and arguments submitted, the reason code, network rules in effect at decision time, and factors outside any vendor's control. We will not make outcome guarantees and would not trust any service that does.

You must use a real business email address; free webmail addresses (gmail, yahoo, outlook, etc.) are not accepted at signup.

You are responsible for the accuracy and completeness of the evidence you fill into the placeholders in each letter and for submitting the completed letter through your processor before the issuer's deadline.

You must not forward content you do not have the right to share, and you must not use the service to attempt to win fraudulent disputes or misrepresent facts to an issuer.

Standard tier is $1,499 per quarter, with a cap of 15 letters per quarter. Premium tier is $2,999 per quarter, with a cap of 10 letters per quarter and higher-touch handling on each case.

Quarterly billing is via Stripe (ACH preferred, credit card accepted). Subscriptions auto-renew at the end of each quarter until you cancel.

You can cancel anytime through the Stripe customer portal. Cancellation takes effect at the end of the current quarter; we do not prorate.

One free letter per merchant entity. The free letter is held to the same standard as a Standard-tier letter. We reserve the right to reject duplicate signups from the same business operating under multiple names or domains.

If you exceed your tier's quarterly cap, we will hold additional forwarded notifications for the next billing period or invite you to upgrade. We will not silently charge overage fees.

We do not refund unused letters or letters that did not win. We will refund a paid letter only when we have shipped a materially defective letter (for example, addressing the wrong reason code) and you tell us within 14 days of delivery. Refunds are capped at one quarter's fees per customer per year.

If you forward a notification that falls outside our scope (pre-arbitration, arbitration, card-present), we will reply explaining why and will not generate a letter. These cases do not count against your quarterly cap.

We commit to a 48-hour delivery target on complete forwarded notifications, with a public service-level commitment of 72 hours to allow for operational variance. If we will be unavailable for an extended period, we will notify active customers in advance.

The letters we draft for you are yours to use, edit, submit, and retain. The drafting logic, templates, software, and brand belong to us. You will not redistribute or resell our letters as a chargeback-defense product.

The service is provided “as is”, without warranties of any kind. To the maximum extent permitted by law, our total liability arising out of or related to the service is limited to the fees you paid us in the twelve months before the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or punitive damages, or for lost revenue from chargeback outcomes.

You can stop using the service at any time. We can suspend or terminate your account if you violate these terms, abuse the free-letter offer, attempt to win fraudulent disputes, file a chargeback against our own subscription, or fail to pay. On termination we deactivate your forwarding address within 30 days and delete your customer profile within the windows in our privacy policy.

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these terms or the service will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, on an individual basis. You waive the right to participate in a class action.

We may update these terms from time to time. When we make a material change, we will email active customers and update the effective date at the top of this page. Continued use of the service after the effective date of an update constitutes acceptance of the updated terms.

Questions about these terms: hello@representments.com.