Terms of Use

Last updated: July 2026

1. What SpiteCash is

SpiteCash is a consumer-friction research tool. Users may submit evidence about digital subscriptions, free trials, cancellation difficulty, refund delays, and unexpected charges.

2. No refund or chargeback service

SpiteCash does not provide legal advice, financial advice, refund recovery, debt collection, or automated chargeback services. Submitting a case does not guarantee that you will receive a refund from a merchant.

3. Bounties

Valid submissions may receive a micro-bounty of up to €3. A bounty is a reward for participating in a consumer-friction research study. It is not payment for a legal claim, debt, refund right, or personal data sale.

4. Submission rules

You agree that:

• Your submission is truthful to the best of your knowledge.
• You will not submit fake, manipulated, or misleading evidence.
• You will not upload full card numbers, passwords, identity documents, or sensitive banking data.
• You will not submit data about another person without permission.

5. Review and rejection

We may reject submissions that are incomplete, unverifiable, unsafe, duplicated, outside our accepted categories, or likely to contain sensitive data.

6. Research use

By submitting a case, you allow us to use anonymized and aggregated information from your submission for research, analytics, reports, and product development.

7. No merchant harassment

SpiteCash is not a tool for harassment, coordinated disputes, threats, or public attacks against merchants. We study friction patterns; we do not coordinate disputes against companies.

8. Changes

We may update these terms as the MVP evolves. Continued use of the service means you accept the updated terms.

These MVP terms should be reviewed before public launch.