Legal

Terms of service

Last updated 28 July 2026

1. Who this agreement is between

These terms are between you, the business connecting a Stripe account, and RecoverFlow, a one person business operated by Bruce McGinley. By connecting your Stripe account you accept them.

2. What the service does

RecoverFlow connects to your Stripe account, watches for failed subscription payments, retries the ones that are worth retrying, and emails your customers asking them to update their card when that is the actual problem. It reports what it recovered and why.

It runs alongside Stripe's own recovery features rather than replacing them. Stripe continues to process every charge and hold every card.

3. Your account and your Stripe connection

• You connect through Stripe Connect using OAuth. You grant the access, and you can revoke it at any time from your own Stripe dashboard without asking us.
• You are responsible for keeping access to the email address you sign in with, because sign-in works by one-time link to that address.
• You must be authorised to connect the Stripe account you connect. Do not connect an account that is not yours to connect.

4. Fees and how attribution works

25% of the failed payments RecoverFlow recovers, plus a $29 per month minimum that begins after your first 30 days. Nothing is payable up front and no card is required to connect.

The word "recovers" is doing real work in that sentence, so here is exactly what it means:

• A recovery is billable only when it can be attributed to a specific action RecoverFlow took, being either a retry it scheduled or a card update email it sent that the customer acted on.
• Payments that come back on their own, or that Stripe's own retries recover, are recorded as unattributed and are not billed.
• Where attribution is ambiguous, the system is built to resolve it in your favour rather than ours.
• Fees are calculated in whole cents and rounded down.

During your first 30 days the monthly minimum does not apply at all. If nothing is recovered in that period, you owe nothing.

Fees are currently charged in US dollars. If your Stripe account operates in another currency, contact us before connecting so we can tell you honestly whether the service is ready for you.

5. How and when you are billed

• Billing runs monthly. We total the attributed recoveries for the period, apply the 25%, and add a top-up if that total is below the $29 minimum and your first 30 days have passed.
• You receive a Stripe invoice by email with a hosted payment page. Payment is due within 7 days.
• We do not hold a card on file for you and we do not auto-charge. You pay the invoice.
• Every invoice itemises which recoveries it is charging for, so you can check the arithmetic against your own Stripe data.

6. Your responsibilities

• Your customer relationships remain yours. Emails we send go out on your behalf and about your business. You are responsible for those relationships and for whatever commitments you have made to those customers.
• You are responsible for complying with the laws that apply to your business, including marketing and data protection law in the places your customers are.
• You must not use RecoverFlow to pursue payments you are not genuinely owed, or to contact people who have asked you not to.
• You are responsible for the accuracy of what is in your Stripe account. We act on what Stripe tells us.

7. What we do and do not promise

We do not promise any particular recovery rate. RecoverFlow launched in July 2026 and does not have recovery figures to publish. Anyone in this category quoting you a guaranteed percentage is guessing, and we would rather say so.

We do not promise the service will be uninterrupted or error-free. It is early software run by one person. It is built carefully, with the billing path in particular designed so that a crash cannot double-charge you, but it is not an enterprise platform with an SLA and we are not going to pretend otherwise.

If you need an availability commitment in writing, ask, and we will tell you honestly whether we can meet it.

8. Stopping

• You can stop at any time. Revoke RecoverFlow's access in your Stripe dashboard. It takes one click, nothing in your billing changes, and your subscriptions carry on exactly as before.
• There is no contract term, no notice period and no exit fee.
• Fees already incurred for recoveries already attributed remain payable.
• We may suspend or end an account that is being used to break the law, to harass people, or in a way that puts our Stripe platform status at risk. If that happens you will get an explanation, not a form letter.

9. Liability

To the extent the law allows, our total liability to you for any claim is limited to the fees you paid us in the 12 months before the claim arose. We are not liable for indirect or consequential losses such as lost profits or lost customers.

Nothing here limits liability for fraud, or for anything else that cannot lawfully be limited.

10. Changes

If these terms change in a way that materially affects you, particularly anything to do with fees, we will email you before it takes effect. You can always stop by revoking access, and we would rather you did that than felt trapped.

Questions: admin@recoverflow.org.

11. Governing law and disputes

RecoverFlow is established in the Commonwealth of Massachusetts, United States. These terms are governed by the laws of Massachusetts, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Talk to us first. If something goes wrong, email admin@recoverflow.org with what happened and what you want done about it. We will reply. Most things that look like disputes are billing questions, and those get sorted in a day. Please give us 30 days to fix it before starting anything formal.

If that does not work, any claim goes to the state or federal courts located in Massachusetts, and both of us agree those courts have jurisdiction. If you are a business outside the United States, that may be inconvenient for you, which is worth knowing before you connect rather than after.

Nothing here takes away a right you have under the law of your own country that cannot be waived by agreement. If you are a UK or EU business, your statutory rights are unaffected.