Refundora prepares documents. It does not decide the dispute.

Last updated: July 18, 2026

Refundora helps organize user-confirmed information. It is not a substitute for a lawyer, financial adviser, card issuer, regulator or emergency fraud-reporting channel.

No legal or financial advice

Refundora does not interpret the law for your situation, determine whether a contract was breached, decide whether a charge must be reversed, calculate damages, provide tax or credit advice, or recommend a legal strategy.

No representation or filing service

Refundora does not contact the merchant, negotiate, represent you, submit a chargeback, file a complaint, send the packet, track an external deadline or appear in any proceeding. You decide whether, where and when to use a generated document.

Known charge versus unauthorized charge

A refund or cancellation disagreement with a merchant is not automatically an unauthorized-card claim. Do not describe a transaction as fraud or unauthorized unless that is accurate. For a stolen card, account takeover or transaction you did not authorize, contact the card issuer or payment provider promptly through its official security channel.

AI and OCR can be wrong

Uploaded files may be unreadable, incomplete or misinterpreted. AI-generated text can contain an incorrect date, amount, merchant name, inference or legal-sounding statement. Review and correct the extracted facts before generation, then review the final PDF and every attached exhibit before sending it.

No outcome guarantee

Refundora does not guarantee that a merchant will answer, a subscription will be canceled, a refund will be issued, a bank will open or approve a dispute, or a regulator or court will agree with the user.

External deadlines and procedures

Merchants, card issuers, payment platforms and laws may impose short deadlines or specific evidence requirements. Refundora does not monitor those deadlines. Check the official procedure for the organization reviewing the matter.

Situations that need qualified help

Consider qualified professional advice when the matter involves a large amount, court or arbitration deadlines, identity theft, credit reporting, employment, housing, insurance, immigration, taxes, business transactions, threats, criminal allegations or another significant legal right.

Your responsibility

You are responsible for the truth and completeness of the information you provide, the lawfulness of uploaded files, any redaction of unrelated sensitive information, the final review of the packet and the decision to send or rely on it.