Terms of Service

Date published: December 2024

Welcome to Trusto!  

These Terms of Service ("Terms") govern your access to and use of our website www.trusto.io (the "Website") and the services available through the Website ("Services"). By accessing or using the Website or Services, you agree to be bound by these Terms, our Privacy Notice, and all applicable laws and regulations.

Please read these Terms carefully before using our Website. If you do not agree to these Terms, you should not access or use our Website or Services.

‍DEFINITIONS

"Trusto," "we," "us," or "our" refers to Trusto L.L.C-FZ, a company registered in the United Arab Emirates with business license number 2422718.01, and registered address Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, UAE.
‍Services – the chargeback prevention services and other related services offered by Trusto through the Website.
‍Website – the official website of Trusto, accessible at www.trusto.io. 
‍"User," "you," or "your" refers to any individual or entity that accesses or uses the Website or Services. 
‍Verifi – Verifi, Inc., a third-party service provider offering chargeback management solutions, including services such as dispute prevention and resolution through its proprietary platform, and acting as an intermediary between merchants, issuers, and acquirers for transaction-related disputes. More information can be found at www.verifi.com.
‍Ethoca – Ethoca Technologies Inc., a third-party service provider that facilitates communication between merchants and card issuers to resolve transaction disputes, including chargebacks, by offering real-time collaboration and information sharing through its network. More information can be found at www.ethoca.com. 

‍ABOUT US

‍Trusto is a company registered under the laws of the United Arab Emirates, located in the Meydan Free Zone, Dubai, UAE. We specialize in providing chargeback prevention and related payment dispute management services to businesses worldwide.

‍OUR SERVICES

‍Trusto provides chargeback prevention and related payment dispute management services to Users (collectively, the “Services”). These Services include, but are not limited to:

Chargeback Alert Services: Provision of notifications regarding potential chargebacks to enable Users to take timely action and mitigate disputes before they escalate.

Dispute Resolution Management Services: Tools and processes designed to assist Users in managing and responding to payment disputes and chargeback claims.

Reporting and Analytics Services: Generation of detailed reports and analytics to provide insights aimed at reducing chargebacks and improving transaction security.

Fraud Detection Services: Identification and prevention of fraudulent transactions through real-time monitoring and analysis.

Please note that Trusto is not a payment service provider and does not engage in payment processing or payment business on its own behalf. Instead, Trusto operates a platform that facilitates access to chargeback prevention solutions and services offered by third-party providers, including but not limited to Verifi and Ethoca, with whom Trusto maintains contractual relationships.

By utilizing the Services, you acknowledge and agree that Trusto acts solely as an intermediary providing access to these third-party chargeback prevention services. Trusto does not assume any liability for the performance or availability of such third-party services, nor does it process, authorize, or handle payments in any capacity.

Trusto reserves the right, at its sole discretion, to modify, add, suspend, or discontinue any part of the Services at any time, with or without prior notice to you, provided that such changes are in compliance with applicable laws and regulations.

‍USER ACCOUNT

‍To access and utilize the Services, you may be required to create a user account (“User Account”) and accept the terms of the Trusto Service Agreement, which governs the provision of Services. By registering for and creating a User Account, you expressly agree and warrant that:

You shall provide true, accurate, current, and complete information during the registration process, including all required identification and contact details. You further agree to promptly update this information to ensure it remains accurate and complete at all times.
You acknowledge and agree that by creating a User Account, you will be bound by the terms and conditions of the Trusto Service Agreement, which governs the provision of Services.
You have the legal capacity and authorization to create a User Account on your own behalf or on behalf of the entity you represent.
You are solely responsible for maintaining the confidentiality of your login credentials, including, but not limited to, your username, password, and any authentication methods used. You shall not disclose, share, or allow unauthorized individuals to access or use your credentials.
You agree to promptly notify Trusto at support@trusto.io  if you become aware of any unauthorized access, use, or breach of security concerning your User Account. You acknowledge that any delay in providing such notification may result in additional losses or damages for which you will be held responsible.

‍USER RESPONSIBILITIES AND PROHIBITED ACTIVITIES

‍By accessing and using the Website and Services, you acknowledge and agree to the following responsibilities: 
You agree to use the Website and Services solely for lawful purposes and in accordance with all applicable local, state, national, and international laws, regulations, and legal obligations.
You shall not engage in any activity that disrupts, interferes with, or impedes the functionality, security, or accessibility of the Website or Services. This includes, but is not limited to, the introduction of malicious code, viruses, or other harmful components.
You agree not to upload, transmit, distribute, or otherwise make available any content through the Website or Services that is illegal, harmful, defamatory, offensive, or infringes upon the intellectual property, privacy, or other rights of third parties. 

The following activities are strictly prohibited:
Attempting to gain unauthorized access to any part of the Website or Services, including, but not limited to, any User accounts, systems, or networks associated with the Website or Services.
Copying, scraping, or harvesting data from the Website or Services without proper authorization.
Using the Website or Services for any fraudulent, deceptive, or malicious activities, including but not limited to identity theft, phishing, or engaging in any form of financial fraud.

Any breach of the above responsibilities or performance of any of the prohibited activities will result in the immediate suspension or termination of your User Account, access to the Service, as well as potential legal action.

‍SECURITY

‍Trusto is committed to ensuring the security and integrity of the Website and Services. We implement industry-standard security measures to protect your data and prevent unauthorized access, but no method of electronic communication or storage is completely secure. By using our Website and Services, you acknowledge and accept these inherent risks.
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In the event of a security breach or suspected breach involving your User Account or personal data, you agree to cooperate with Trusto in investigating the incident and mitigating any risks. This may include following any instructions we provide to secure your account and limit further exposure.

‍INTELLECTUAL PROPERTY

All content, materials, software, trademarks, logos, designs, text, graphics, images, videos, and other intellectual property displayed or made available through the Website and Services (collectively, "Content") are the exclusive property of Trusto or its licensors and are protected by applicable intellectual property laws, including copyright, trademark, and trade secret laws.

Subject to your compliance with these Terms of Service and Trusto Service Agreement, Trusto grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and Services solely for personal or commercial purposes. This license does not grant you any right to sublicense, distribute, modify, or otherwise exploit any Content without the express written consent of Trusto.

By submitting, posting, or uploading any content to the Website or Services, you grant Trusto a non-exclusive, royalty-free, worldwide license to use, display, distribute, modify, and create derivative works from your content for the purposes of operating and promoting the Website and Services. You represent and warrant that you have all necessary rights to grant this license and that your content does not infringe the intellectual property or other rights of third parties.

If you believe that any Content on the Website or Services infringes upon your intellectual property rights, you must notify Trusto immediately. Trusto will review such claims and take appropriate action, which may include removing the infringing content or disabling access to it.  

‍PUBLICITY

‍You agree that Trusto may identify you as a user of the Services and use your trademark, logo, and/or other brand identifiers in the following contexts:
In sales presentations, promotional and marketing materials, and press releases.
To develop and publish a brief customer profile, which may include your name, logo, and description of your use of the Services, for use by Trusto on the Website or on Trusto’s social media accounts for promotional purposes.

You grant Trusto a limited, non-exclusive, royalty-free license to use your trademark, logo, and other brand identifiers for the purposes outlined above. You may withdraw this consent at any time by providing written notice to Trusto, provided that such withdrawal will not affect any prior use or the rights granted prior to such withdrawal.

‍COOKIES

‍Our Website and Services may use cookies and similar tracking technologies to enhance your user experience, analyze usage patterns, and personalize content and advertisements. Cookies are small text files stored on your device that help us recognize you when you return to our Website. These technologies allow us to remember your preferences and improve the performance of our Website.

You can manage your cookie preferences at any time by adjusting your browser settings to block or delete cookies, or by using the cookie management tools provided on our Website. Please note that disabling cookies may affect the functionality and performance of the Website and Services.

For more information on how we use cookies and how you can control them, please review our Privacy Notice.

‍THIRD PARTY SITES AND SERVICES

Our Website and Services may include links to third-party websites or services that are not operated by Trusto. We are not responsible for the content, privacy practices, or anything else related to these external sites or services. Just because we link to a third-party site doesn’t mean we endorse it.

Please be aware that if you decide to use a third-party site or service, you do so at your own risk. We recommend reviewing their terms and privacy policies to understand how they operate before you interact with them.

‍DISCLAIMERS AND LIMITATION OF LIABILITY   

The Website and Services are provided "as is" and "as available," without any representations or warranties of any kind, either express or implied. Trusto does not warrant that the Website or Services will be error-free or uninterrupted.

To the maximum extent permitted by applicable law, Trusto, its affiliates, directors, employees, agents, or licensors shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising from or related to your use or inability to use the Website or Services, including, but not limited to, loss of data, loss of revenue, or business interruption, even if Trusto has been advised of the possibility of such damages. In no event shall Trusto’s total liability for all claims arising from or related to the Website or Services exceed the amount paid by you for the Services during the twelve (12) months preceding the claim.

INDEMNIFICATION

‍You agree to indemnify, defend, and hold harmless Trusto, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, damages, liabilities, costs, and expenses (including legal fees) arising out of your use of the Website or Services or any violation of these Terms of Service or Trusto Service Agreement. 

‍NOTICES

Any important notices or communications from Trusto to you will be sent to the email address you provided during registration or as updated in your account.

To send us a notice, please use the contact information provided in your account or on our Website, or send an email to support@trusto.io

‍GOVERNING LAW AND DISPUTE RESOLUTION 

These Terms of Service shall be governed by, and construed in accordance with, the laws of the United Arab Emirates, specifically the laws of Dubai, without regard to any principles of conflict of laws that might result in the application of the laws of any other jurisdiction. You agree that any legal action, suit, or proceeding arising out of or relating to these Terms of Service shall be brought exclusively in the competent courts located in Dubai, and you hereby consent to the jurisdiction of such courts.

CHANGES TO THE TERMS OF SERVICE

‍We reserve the right to modify, update, or revise these Terms of Service at any time, at its sole discretion. Any such changes will be effective immediately upon posting the updated Terms on the Website or through a pop-up notification displayed on the Website. Additionally, Trusto may notify you via the email address associated with your account. It is your responsibility to review these Terms periodically to stay informed of any changes. By continuing to access or use the Website or Services after such modifications, you agree to be bound by the updated Terms.

‍MISCELLANEOUS

These Terms of Service, along with our Privacy Notice and Trusto Service Agreement, constitute the entire agreement between you and Trusto regarding your use of the Website and Services. Any prior agreements, whether written or oral, are superseded by these Terms.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be modified to the extent necessary to make it valid and enforceable while reflecting the original intent as closely as possible. 

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Trusto. Trusto reserves the right to assign or transfer its rights and obligations under these Terms without restriction.