Terms
Last updated 29 September 2026. These terms apply to your use of Winning Disputes, the website at winningdisputes.com and the software at winningdisputes.com/app. Winning Disputes is a trading name of Discover Theory LLC, a New Mexico limited liability company, 1209 Mountain Road Pl NE, Ste N, Albuquerque, NM 87110, USA. In these terms "we" and "us" means Discover Theory LLC, and "you" means the business or person using the service.
Winning Disputes is software for businesses that sell services. It sends your client an engagement agreement to sign, verifies the signer's identity, records delivery of your work and your client's confirmations, and turns those records into a dispute evidence file (the "dispute pack") you can submit to your payment processor if a client disputes a card payment.
Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.
Plans are sold as monthly subscriptions in US dollars. Current plans and prices are shown on the pricing section of our home page and at checkout. Sales tax or VAT is added where it applies. The price you see at checkout is the price you pay each month until you cancel. If we change a plan's price, we tell you by email at least 30 days before the new price applies to you, and founding-member prices are kept for as long as your subscription stays active.
Your subscription renews automatically each month on the date you first subscribed, and Paddle charges your payment method on that date. You can cancel at any time from your account or by emailing [email protected]. Cancellation stops the next renewal. You keep access until the end of the period you have paid for. Refunds are covered by our refund policy.
You sign in with a one-time link sent to your email address. You are responsible for keeping access to that email address secure and for everything done in your account.
You own the records you create. We process your clients' information on your behalf and only to provide the service, as described in our privacy policy. You are responsible for having a lawful basis to collect your clients' information, including identity documents, and for telling your clients how it is used.
You may use Winning Disputes only for genuine services you have actually agreed with your clients. You must not create false records, alter evidence, use the service to dispute legitimate chargebacks with invented documents, or use it for any unlawful product or service. We may suspend an account that breaks this rule.
Card issuers and card networks decide disputes. The service prepares evidence and does not decide the case, and we do not promise that any dispute will be won. Winning Disputes is not legal, tax or financial advice.
We aim to keep the service available at all times but do not guarantee uninterrupted access. We back up records and will give you at least 30 days' notice, with a way to export your records, before closing the service.
Our total liability to you in connection with the service is limited to the fees you paid in the 12 months before the claim. We are not liable for lost disputes, lost revenue, account closures by your payment processor, or indirect or consequential loss. Nothing here limits liability that cannot be limited by law.
These terms are governed by the laws of the State of New Mexico, USA. Consumers keep any rights the law of their own country gives them.
We may update these terms and will post the new version here with a new date. Material changes are emailed to account holders at least 30 days in advance. Questions: [email protected], or use our contact page.
