Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website and services of Lexora Legal (“Lexora Legal”, “we”, “us”, “our”). By accessing our website or engaging our services, you agree to be bound by these Terms.

1. About Us

Lexora Legal
Keizersgracht 221, 1012 DZ Amsterdam, Netherlands
+31 81 128 3211
[email protected]

2. Definitions

  • “Services” means our chargeback support, dispute handling, case review, documentation preparation, and related advisory services in Europe.
  • “Client”, “you”, “your” means the individual or entity using our website or Services.
  • “Chargeback” means a cardholder dispute process with a bank or card scheme (e.g., Visa, Mastercard, American Express) seeking reversal of a transaction.
  • “Agreement” means these Terms together with any engagement letter, order form, or written scope we provide and you accept.

3. Scope of Services

  • We provide consultation, case reviews, preparation of dispute materials, and support in communications with banks, card issuers, payment service providers, and merchants, as applicable.
  • We are not a bank, card scheme, or payment institution and do not process payments or make recovery decisions. Final outcomes are determined by banks, card networks, and relevant rules.
  • Timelines and results depend on third parties and case specifics; we do not guarantee any particular outcome or timeframe.

4. Eligibility

  • You must be at least the age of majority in your jurisdiction and legally capable of entering into contracts.
  • Where you act on behalf of a company, you represent that you have authority to bind that company.

5. Your Responsibilities

  • Provide accurate, complete, and timely information and documents (including receipts, correspondence, screenshots, and bank statements) necessary for the Services.
  • Promptly inform us of any changes to your case or contact details.
  • Comply with applicable laws, card scheme rules, bank requirements, and anti-fraud/anti-money laundering checks. We may decline or cease Services if information is inaccurate, unlawful, or incomplete.
  • Where required, provide written authorization or a power of attorney for us or our partners to communicate with third parties regarding your case.

6. Engagement and No Legal Advice

  • Website content is for general information only and does not constitute legal advice.
  • Any tailored advice or representation is provided only after a formal engagement is confirmed (for example, via an engagement letter or order confirmation).
  • We may, where appropriate, collaborate with or refer you to independent licensed professionals. Their services are subject to their own terms and responsibilities.

7. Fees and “No Win – No Fee”

  • Free initial consultation: an initial assessment may be provided at no charge.
  • No win – no fee: if stated in your engagement, our success fee applies only upon confirmed recovery (for example, a chargeback credit to your card or funds returned by a bank or merchant). The specific success fee and any applicable taxes will be set out in your engagement.
  • Expenses: third-party costs (e.g., bank or courier fees, document translations, notarizations) are your responsibility unless we expressly agree otherwise.
  • Invoices and payment: unless otherwise agreed, invoices are due upon receipt. Late amounts may accrue statutory interest and reasonable collection costs as permitted by law.
  • Currency and taxes: fees are typically charged in EUR and may be subject to VAT or other taxes, as applicable.

8. Timeframes

Any timeframe we mention is an estimate only. Actual durations vary by bank, card network, jurisdiction, and case complexity.

9. Client Funds

Chargeback refunds are usually credited by your bank/card issuer directly to your payment card or account. We do not hold Client funds unless expressly agreed in writing and in accordance with applicable law.

10. Acceptable Use of the Website

  • Do not misuse the website, interfere with its operation, attempt unauthorized access, or use it for unlawful purposes.
  • Do not copy, scrape, or reverse engineer website content or software except as permitted by law.

11. Intellectual Property

  • All text, graphics, logos, and other materials on the website are our property or used under license and are protected by intellectual property laws.
  • We grant you a limited, revocable, non-exclusive license to access and use the website for its intended purpose. Any other use requires our prior written consent.

12. Testimonials and Reviews

  • Testimonials displayed on the website reflect individual experiences. Results vary and are not guaranteed.
  • If you provide a testimonial or review, you grant us permission to display, edit for length/clarity, and reproduce it in connection with our Services, subject to applicable law and our Privacy Policy.

13. Third-Party Tools and Links

  • The website may use third-party tools (e.g., phone input utilities, IP-based country detection) and may contain links to external sites. We are not responsible for their content or practices.
  • Your use of third-party tools and sites is governed by their terms and policies.

14. Data Protection

Your personal data is processed in accordance with our Privacy Policy. Please review it to understand how we collect, use, and protect your data and your rights under applicable law.

15. Right of Withdrawal for EEA/UK Consumers

  • If you are a consumer and enter into a distance contract with us, you may have a 14-day right to withdraw without giving any reason, subject to legal exceptions.
  • If you ask us to begin the Services during the withdrawal period, you acknowledge that you will pay a proportionate amount for Services provided up to the time you notify us of withdrawal. If the Services are fully performed within the withdrawal period, you may lose the right to withdraw.
  • To withdraw, notify us using the contact details in Section 1.

16. Disclaimers

  • Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, regarding the website and Services.
  • We do not warrant uninterrupted or error-free operation of the website or that any defect will be corrected.

17. Limitation of Liability

  • To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill arising from or related to these Terms, the website, or the Services.
  • Our aggregate liability for direct damages shall not exceed the total fees paid by you to us for the Services giving rise to the claim in the 12 months preceding the event.
  • Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law (including liability for death or personal injury resulting from negligence, or for fraud or fraudulent misrepresentation).
  • If you are a consumer, mandatory consumer rights under applicable law remain unaffected.

18. Indemnity

You agree to indemnify and hold us harmless from claims, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your breach of these Terms, unlawful use of the website or Services, or submitted materials that are inaccurate or infringe third-party rights.

19. Suspension and Termination

  • We may suspend or terminate access to the website or Services if you breach these Terms, fail to provide required information, or if we are required to do so by law or by a third party (e.g., a bank or card scheme).
  • Either party may terminate an engagement for convenience as set out in the engagement letter or applicable law. Payment obligations for Services already performed and expenses incurred survive termination.

20. Changes to the Website or Services

We may modify or discontinue any part of the website or Services at any time, with or without notice, provided that we will not materially reduce Services already contracted for without your consent or lawful basis.

21. Amendments to These Terms

We may update these Terms from time to time. The “Effective date” indicates the latest revision. If changes materially affect your rights or obligations, we will provide notice as required by law. Your continued use of the website or Services after changes take effect constitutes acceptance of the updated Terms.

22. Governing Law and Jurisdiction

  • These Terms are governed by the laws of the Netherlands, without regard to conflict-of-laws rules.
  • Courts in Amsterdam, the Netherlands, shall have exclusive jurisdiction, except that consumers in the EEA/UK may bring claims in their place of residence as permitted by mandatory law.
  • Consumers in the EU may use the European Commission’s online dispute resolution (ODR) platform for consumer disputes.

23. Force Majeure

We are not liable for delay or failure to perform due to events beyond our reasonable control, including acts of God, natural disasters, wars, terrorism, labor disputes, governmental actions, power or internet failures, or failures of third-party services.

24. Notices and Electronic Communications

You consent to receive communications from us electronically. We may provide notices by email or by posting on the website. You should keep your contact details up to date.

25. Miscellaneous

  • Severability: if any provision is invalid or unenforceable, the remaining provisions remain in effect.
  • No waiver: failure to enforce a provision is not a waiver of that provision.
  • Assignment: you may not assign your rights or obligations without our prior written consent. We may assign our rights and obligations as permitted by law.
  • Entire agreement: these Terms and any engagement documents constitute the entire agreement regarding the subject matter and supersede prior understandings.
  • Headings: headings are for convenience only and do not affect interpretation.
  • Language: if these Terms are translated, the English version prevails in case of conflict, unless mandatory law provides otherwise.

26. Contact

Questions or complaints regarding these Terms can be sent to:
Lexora Legal
Keizersgracht 211, 1022 DZ Amsterdam, Netherlands
+31 81 128 3211
[email protected]