Last updated: April 5, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Merchant," "you," or "your") and FLARES Inc, a Nigerian company operating through its US subsidiary FLARES Network Systems, Inc. ("Company," "we," "us," or "our"), under the trade name Rebutiq. By accessing or using the Rebutiq platform, you agree to be bound by these Terms in their entirety.
By creating an account, accessing the Rebutiq dashboard, integrating the Rebutiq JavaScript SDK or REST API into your website or application, or otherwise using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and may not use the Service.
We reserve the right to refuse service to anyone for any reason at any time.
Rebutiq is an automated dispute defense platform ("Service") designed to help online merchants respond to and defend against payment disputes (chargebacks) filed through Stripe. The Service includes, but is not limited to, the following capabilities:
The Service is provided on an "as-is" and "as-available" basis. We do not guarantee any specific outcome for any dispute, and the ultimate resolution of every dispute is determined solely by the card network and issuing bank.
To use the Service, you must create an account and provide accurate, complete, and current information. You agree to the following registration requirements:
Rebutiq offers monthly subscription plans billed in advance through Stripe. Current plans are as follows:
| Plan | Monthly Fee | Disputes Included |
|---|---|---|
| Starter | $199/mo | Up to 50 disputes/mo |
| Growth | $399/mo | Up to 200 disputes/mo |
| Scale | $799/mo | Unlimited disputes |
In addition to the monthly subscription fee, Rebutiq charges a success fee calculated as a percentage of the recovered amount for each dispute that is resolved in your favor. The applicable success fee percentage is determined by your plan tier and is disclosed at the time of plan selection.
All subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date. You will be charged the then-current subscription rate at each renewal. We will notify you in advance of any price increases.
You may cancel your subscription at any time from your account dashboard. Upon cancellation, your subscription will remain active until the end of your current billing period. No refunds are issued for partial months, unused time, or prepaid fees. After cancellation, your access to the Service will continue until the end of the paid period, after which your account will be downgraded and data will be handled in accordance with Section 11.
All payments are processed through Stripe. By subscribing, you authorize us to charge your designated payment method for all applicable fees. You are responsible for providing a valid payment method and ensuring sufficient funds. Failed payments may result in suspension of your account.
You may use the Service solely for the purpose of defending against payment disputes that you believe, in good faith, to be illegitimate or the result of friendly fraud. You expressly agree that you will not:
Violation of these permitted use terms may result in immediate termination of your account without notice or refund, and we reserve the right to report suspected fraudulent activity to the relevant authorities.
The Rebutiq SDK and REST API collect behavioral and technical data from your end-users when integrated into your website or application. This data is used exclusively to build evidence for dispute defense. The categories of data collected include, but are not limited to:
You, as the Merchant, are solely responsible for ensuring that you have obtained all necessary consents, authorizations, and legal bases required by applicable law (including but not limited to GDPR, CCPA, and any other applicable privacy legislation) before deploying the Rebutiq SDK on your website or application. This includes updating your own privacy policy to disclose the collection of end-user data through the Rebutiq SDK and providing any required opt-out mechanisms.
With respect to your end-users' data, Rebutiq acts as a data processor on your behalf. You are the data controller. We process end-user data solely according to your instructions and for the purposes of providing the Service. We do not sell, share, or use end-user data for any purpose other than providing the dispute defense service described herein.
To use the Service, you must connect your Stripe account by providing a restricted API key with the necessary permissions. By connecting your Stripe account, you authorize Rebutiq to:
You are solely responsible for the accuracy and completeness of the business policies, refund policies, terms of service, and any other documentation that Rebutiq references when compiling dispute evidence. We rely on the information you provide and are not responsible for verifying its accuracy.
Rebutiq's use of the Stripe API is subject to Stripe's Terms of Service. We are not affiliated with, endorsed by, or sponsored by Stripe, Inc.
Rebutiq uses artificial intelligence models (including Groq-hosted Llama models) to generate evidence narratives that accompany dispute submissions. You acknowledge and agree to the following:
All rights, title, and interest in and to the Service, including the Rebutiq platform, dashboard, JavaScript SDK, REST API, evidence templates, AI models and prompts, algorithms, documentation, and all associated intellectual property, are and shall remain the exclusive property of FLARES Network Systems, Inc. These Terms do not grant you any ownership interest in the Service, but only a limited, revocable, non-exclusive, non-transferable license to use the Service in accordance with these Terms.
You retain all rights, title, and interest in your data, including your business information, customer data, transaction records, and policies that you provide to the Service. You grant us a limited license to use your data solely for the purpose of providing the Service to you.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
By You — You may terminate your account at any time by canceling your subscription through the account dashboard or by contacting us at support@flaresinc.com. Termination takes effect at the end of your current billing period.
By Us — We may suspend or terminate your account immediately, without prior notice, if we reasonably believe that you have violated these Terms, engaged in fraudulent activity, or used the Service in a manner that could expose us to legal liability or harm the integrity of the Service.
Effect of Termination — Upon termination, your right to use the Service ceases immediately (or at the end of the billing period, in the case of voluntary cancellation). We will retain your data for thirty (30) days following the effective date of termination, during which time you may request an export of your data. After this 30-day period, all your data, including behavioral data, dispute records, and evidence, will be permanently deleted from our systems.
We reserve the right to modify or replace these Terms at any time. If we make material changes, we will provide at least thirty (30) days' prior notice by sending an email to the address associated with your account and by posting a notice on the Service. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.
If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription before the changes take effect.
FLARES Inc is headquartered and registered in Nigeria, with a branch office in the United States. The US entity, FLARES Network Systems, Inc. (Delaware C Corporation), is a subsidiary of the Nigerian parent company. Our US branch primarily handles customer support operations, which is why we provide a US-based phone number for support inquiries. However, our main business operations and legal entity are based in Nigeria.
Data is stored in servers located in the United Kingdom and may be processed in both the UK and the United States in the course of providing the Service.
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any legal action or proceeding arising out of or relating to these Terms shall be brought in the courts of Lagos State, Nigeria. For disputes involving the US subsidiary, Delaware state or federal courts may also have jurisdiction.
If you have any questions about these Terms of Service, please contact us:
FLARES Inc (Parent Company)
27 Awoyemi Street, Ejugbo, Lagos, Nigeria
Phone: +234 201 330 6352
FLARES Network Systems, Inc. (US Support Branch)
1111B S Governors Ave STE 21292, Dover, DE 19904 US
Phone: +1 (608) 925-2262
Legal: legal@flaresinc.com
Support: support@flaresinc.com