Terms of Service

These Terms of Service (the “Terms”) are an agreement between Churnmend (“Churnmend,” “we,” “us”) and the business that creates an account (“you”). By creating an account or using the service, you agree to these Terms. The service is offered to businesses only — it is not for personal or consumer use.

1. What Churnmend does

Churnmend provides two related services for subscription businesses that bill through Stripe: (a) payment recovery — when a customer's subscription payment fails, we retry the existing invoice on an intelligent schedule and send recovery emails on your behalf with a secure payment link; and (b) the cancel-flow widget — when a customer starts to cancel, a widget you embed on your site can offer a pause, a discount, or a switch to a cheaper plan, applied to their existing subscription if they accept.

2. Your Stripe account and what we will never do

The service works through a Stripe Connect authorization that you grant and can revoke at any time from your Stripe dashboard or by disconnecting in Churnmend. Under that authorization we read the invoice, customer, and subscription data needed to run the service, and we take only these actions: retrying payment on an existing invoice; pausing collection on an existing subscription; attaching a discount you approved to an existing subscription; or switching an existing subscription to a cheaper price you selected.

We never create new charges, invoices, payment intents, checkout sessions, or subscriptions. We never cancel a subscription — if a customer declines every offer, control returns to your own cancellation flow. We never receive or store card numbers; all payment details stay with Stripe.

3. Approval gates — nothing runs until you turn it on

Recovery emails are sent only after you approve your email templates, and the cancel-flow widget shows offers only after you approve your configured offers. Editing templates or offers pauses the affected feature until you re-approve. You are responsible for reviewing what you approve.

4. Your responsibilities

You agree that you will:

• only connect a Stripe account you own or are authorized to manage;
• provide and maintain an accurate business name and physical mailing address, which appear in recovery emails sent on your behalf (required by anti-spam law, including CAN-SPAM);
• only use the service for customers you have a genuine billing relationship with, and comply with the laws that apply to your billing and communications;
• keep your widget secret confidential and server-side (it authenticates cancel-flow requests from your site);
• not use the service to mislead customers, obstruct lawful cancellation, or violate any law.

5. Emails sent on your behalf

Recovery emails are sent to your customers in your business's name. Every email includes a one-click unsubscribe link; customers who unsubscribe are automatically excluded from further recovery emails. You are the sender of record for these messages.

6. AI-assisted content

Recovery emails may be personalized with the help of an AI model, using your approved template as the base and limited context about the failed payment. Output is constrained (for example, links cannot be added or changed), and anything that fails validation falls back to your approved template verbatim.

7. Fees

Fees are as described on our pricing page or as otherwise agreed with you in writing — for example a percentage of recovered revenue and/or a monthly subscription. Fees are currently invoiced manually. You are responsible for applicable taxes. We may update pricing with reasonable advance notice; changes apply going forward, not retroactively.

8. Service status

The service is offered in an early-access period and may change as it matures. We aim for high availability but do not promise uninterrupted service. We may modify or discontinue features with reasonable notice where practical.

9. No guarantee of results

We do not guarantee that any failed payment will be recovered or that any customer will be retained. Recovery and retention depend on factors outside our control, including your customers' choices and payment methods.

10. Data

Our Privacy Policy describes what we collect and how we use it. For your customers' personal information, you are the controller and we process it on your behalf to provide the service.

11. Intellectual property

We own the service, including the widget code, and grant you a limited, non-exclusive, non-transferable license to embed and use it for your business while you have an account in good standing. You retain all rights to your data and your customer relationships.

12. Termination

You may stop using the service and disconnect Stripe at any time; revoking the Stripe authorization immediately ends our ability to act on your account. We may suspend or terminate accounts that violate these Terms or create risk for us, other customers, or Stripe, with notice where practical. Sections that by their nature should survive termination (including fees owed, disclaimers, liability limits, and indemnity) survive.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE ARE NOT A PARTY TO YOUR AGREEMENTS WITH YOUR CUSTOMERS AND DO NOT PROVIDE LEGAL, TAX, OR COMPLIANCE ADVICE.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR REVENUES. OUR TOTAL LIABILITY ARISING OUT OF THE SERVICE IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THE THREE (3) MONTHS BEFORE THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100).

15. Indemnification

You will defend and indemnify Churnmend against third-party claims arising from your billing practices, your content (including approved email templates and offer copy), your use of the service in violation of these Terms, or your violation of law.

16. Changes to these Terms

We may update these Terms from time to time. If a change is material we will give notice (for example by email or in the dashboard) before it takes effect. Continued use after the effective date constitutes acceptance.

17. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in Los Angeles County, California, and both parties consent to their jurisdiction.

18. Contact

Questions about these Terms: support@churnmend.com.