End User Terms of Service

Effective Date: [Insert Date]

These End User Terms of Service ("Terms") govern your interaction with payment retry services provided by Mighty Clover LLC ("we," "our," or "us") when you make payments to merchants who use our services.

1. Service Description

When you make a payment to a merchant that uses our services, and your payment is initially declined, we may automatically retry your payment using:

• Intelligent timing algorithms based on decline reason
• Alternative routing through payment networks
• Optimized retry schedules to maximize success
• Fraud detection and prevention measures

These retry attempts are designed to successfully process legitimate transactions that may have been temporarily declined.

2. How Retries Work

2.1 Automatic Processing: Retry attempts begin immediately after an initial decline and may continue for up to several days, depending on the decline reason.

2.2 No Additional Authorization: Retries use the same payment authorization you provided to the merchant for your original purchase.

2.3 Success Notification: You will be notified by the merchant when a retry attempt is successful and your payment is processed.

2.4 Transaction Limits: Retries are limited to prevent excessive attempts and maintain compliance with card network rules.

3. Your Rights and Options

3.1 Opt-Out: You can request to opt-out of retry attempts by contacting the merchant directly. This may affect your ability to complete purchases if your payment method has temporary issues.

3.2 Payment Method Management: You can update your payment information with the merchant to use a different payment method for retry attempts.

3.3 Transaction Disputes: Any disputes regarding charges must be addressed with the merchant who processed your order, as they are the primary party to your transaction.

3.4 Privacy Rights: You have rights regarding your personal data as outlined in our privacy policy and applicable data protection laws.

4. Data Processing

To provide retry services, we process:

• Transaction details (amount, currency, merchant reference)
• Payment method information (tokenized, no raw card numbers)
• Billing information and contact details
• Decline codes and authorization responses

All processing is performed in accordance with applicable data protection laws and our privacy policy.

5. Security and Fraud Prevention

5.1 Fraud Filtering: We employ advanced fraud detection to prevent unauthorized retry attempts and protect both you and merchants.

5.2 Secure Processing: All payment data is encrypted and processed through a secure environment.

5.3 Monitoring: Suspicious activity is monitored and investigated to prevent fraudulent transactions.

6. Limitations

Our retry services are subject to certain limitations:

• Not all decline types are eligible for retry attempts
• Card network rules may restrict retry frequency and timing
• Some payment methods or jurisdictions may not support retry functionality
• Merchant policies may override or limit retry settings

7. No Direct Relationship

Important: We do not have a direct service relationship with you. Your contract is with the merchant where you made your purchase. We provide backend services to merchants to improve payment processing success rates.

For any questions about your purchase, billing, refunds, or account issues, please contact the merchant directly.

8. Liability

Our liability for retry services is limited to:

• Ensuring retry attempts comply with applicable payment network rules
• Maintaining appropriate security measures for payment data
• Processing retries according to our technical specifications
• Cooperating with legitimate dispute resolution processes

9. Changes to Service

We may modify our retry logic, timing, or processes to:

• Improve success rates and customer experience
• Comply with changing payment network requirements
• Address security or fraud prevention needs
• Meet regulatory or legal obligations

10. Contact Information

For questions specifically about retry services or these terms:

Email: info@flowbackpay.com

For all other inquiries including purchases, billing, refunds, and account issues, please contact the merchant where you made your purchase.

11. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction], without regard to conflict of law principles.