Terms of Service

Plain-language summary. These Terms form a contract between you and UnblockFunds. We help businesses recover funds withheld by payment processors. The platform itself does not provide legal advice — separate engagement letters with partner law firms govern any legal services. Standard cases run on a no-win-no-fee basis. EU consumers and micro-enterprises have a 14-day right of withdrawal (section 13). Read sections 8 (fees), 17–19 (warranties, liability, indemnity) and 27 (jurisdiction) carefully.

1. Who we are

UnblockFunds Ltd ("UnblockFunds", "we", "us", "our") is a private limited company registered in the Republic of Ireland, company number 738291, with registered office at 12 St Stephen's Green, Dublin 2, D02 XY12, Ireland. VAT IE3829174L. Contact: support@unblockfunds.com or the in-app message centre. For Digital Services Act (DSA) notices our single point of contact is dsa@unblockfunds.com (we reply in English).

2. Definitions

• Account — your user account on the Service.
• Case — a fund-recovery matter you have opened with us.
• Engagement Letter — the document signed before legal work begins, setting out scope, fees and partner law firm.
• Order Form — the document confirming purchase of a subscription, seat licence, or fixed-fee deliverable.
• Service — the UnblockFunds website, web application, APIs, documents and related support.
• Your Content — any document, data, message or material you upload to the Service.

3. Scope and acceptance

These Terms apply when you create an Account, browse the Service while signed in, upload documents, instruct a Case, or use any related API. By ticking the "I agree" box at sign-up, or by continuing to use the Service, you accept these Terms. If you do not accept them, do not use the Service. If you accept on behalf of a business, you confirm you have authority to bind that business.

4. Eligibility and account

The Service is intended for businesses and the individuals who legitimately represent them. You must be at least 18 years old and resident in a jurisdiction we serve. You agree to provide accurate, complete information and to keep it up to date, to keep your credentials confidential, to enable multi-factor authentication, and to notify us promptly at security@unblockfunds.com of any unauthorised use of your Account. You are responsible for all activity under your Account.

5. The Service

UnblockFunds provides a software platform that helps you (a) document a frozen-funds or blocked-payouts incident, (b) generate structured demand, dispute and chargeback correspondence, (c) exchange messages and files securely with assigned specialists and counsel, (d) track Case progress and deadlines, and (e) receive recovered funds. The platform itself does not constitute legal advice, financial advice, tax advice or a regulated financial service.

6. Engagement letters and partner law firms

Where a Case requires legal representation, you will be invited to enter into an Engagement Letter directly with an independent partner law firm. That firm's professional rules (e.g. of the Law Society of Ireland or another competent bar) and the Engagement Letter govern that legal work and prevail over these Terms on legal-services matters. UnblockFunds is not your lawyer and does not provide reserved legal services.

7. AML, KYC and sanctions

We are required to verify your identity, beneficial ownership, and the source of funds in accordance with Directive (EU) 2015/849 as transposed in Ireland and other applicable anti-money-laundering, counter-terrorist-financing and sanctions laws (including EU, UN and applicable OFAC measures). You agree to:

• Provide accurate identification documents and information on request.
• Inform us of changes to beneficial ownership, control or sanctions status.
• Not use the Service in or for the benefit of comprehensively sanctioned jurisdictions or sanctioned persons.

We may delay, refuse or terminate any Account, transaction or Case where we reasonably believe doing so is necessary to comply with these laws. We may be legally prevented from disclosing the reason.

8. Fees, invoicing and payment

8.1 Pricing model

Platform access is free. Cases are normally handled on a no-win-no-fee basis: a success fee, expressed as a percentage of funds actually recovered to you, becomes payable only on recovery. Fixed-fee, hourly or capped arrangements may be offered for complex matters. The applicable rate, disbursements, currency, VAT treatment and payment terms are set out in your Engagement Letter or Order Form before work begins.

8.2 VAT and e-invoicing

Prices to EU consumers are inclusive of any VAT due in your Member State of residence (Directive 2006/112/EC). Prices to EU businesses providing a valid VAT number are typically reverse-charged under Article 196 of the VAT Directive. We support common e-invoicing formats (Peppol BIS, SDI, KSeF, FatturaPA, Chorus Pro) on request.

8.3 Late payment

Where Directive 2011/7/EU on combating late payment in commercial transactions applies, statutory interest (ECB main refinancing rate + 8 percentage points) and a fixed compensation amount of EUR 40 per invoice for recovery costs may be charged on overdue invoices, without prejudice to actual recovery costs.

8.4 Disputed invoices

If you dispute an invoice in good faith, notify us within 14 days of its date. Undisputed portions remain payable on the due date.

9. Client funds and payouts

Funds recovered on your behalf are held in a client or escrow account separate from our own money and paid out to the bank account you have nominated in your Account → Payouts settings, net of agreed fees and disbursements, with a settlement statement. Changes to payout details require multi-factor authentication and may trigger additional verification to prevent fraud.

10. Your content and licence

You retain all rights in Your Content. You grant UnblockFunds a worldwide, royalty-free, non-exclusive licence to host, copy, transmit, display and process Your Content strictly to provide the Service, progress your Case, and meet our legal obligations. The licence ends when Your Content is deleted, subject to backups and statutory retention (see the Privacy Policy). You represent that you have the right to upload Your Content and that it does not infringe third-party rights.

11. Acceptable use

You agree not to, and not to permit any third party to:

• submit false, misleading, defamatory or fraudulent claims, documents or identity information;
• use the Service to launder proceeds of crime, finance terrorism, or evade sanctions or export controls;
• upload malware, scrape the platform at scale, perform unauthorised security testing, or bypass technical access controls;
• reverse engineer or attempt to extract the source code of the Service except as expressly permitted by law;
• infringe third-party intellectual property, privacy, trade secret or confidentiality rights;
• harass, threaten or discriminate against staff, specialists, counsel, or other users;
• use the Service to compete with us, build a competing product, or train AI models that compete with the Service;
• use automated tools to create accounts, generate Cases, or scrape data without our prior written consent.

Breaches may lead to suspension, termination, removal of content, or referral to authorities.

12. Digital Services Act notices

Under the DSA (Regulation (EU) 2022/2065) you may submit notices of illegal content, including suspected fraudulent documents or misuse, to dsa@unblockfunds.com. We acknowledge receipt, act diligently and objectively, give a statement of reasons for any decision affecting content or accounts, and offer access to our internal complaint mechanism and to certified out-of-court dispute settlement bodies in your Member State.

13. Consumer right of withdrawal (EU)

If you contract with us as a consumer (Directive 2011/83/EU), you have 14 days from the day after the contract is concluded to withdraw without giving any reason. To withdraw, send an unambiguous statement (for example, an email to withdraw@unblockfunds.com) or use the model withdrawal form annexed to the Engagement Letter and reproduced in our Refund Policy. If you ask us to begin work during the withdrawal period and then withdraw, you must pay a proportionate amount for the work supplied. If we have fully performed the service with your prior express consent and you have acknowledged that you lose the right of withdrawal on full performance, the right of withdrawal is lost (Article 16(a)).

14. Service availability, changes and beta

We aim for high availability but do not guarantee uninterrupted access. We may add, modify, or discontinue features. Where a change materially reduces functionality, we will give at least 30 days' notice. Beta, preview and "Labs" features are provided on an "as-is" basis, may change without notice, and may be subject to additional terms presented at activation.

15. Accessibility

We aim to conform the Service to WCAG 2.1 AA (and progressively WCAG 2.2 AA) and follow the principles of the European Accessibility Act (Directive (EU) 2019/882). Report accessibility issues to accessibility@unblockfunds.com — we will respond within 10 business days.

16. Term, suspension and termination

These Terms apply for as long as you have an Account. You may close your Account at any time from Account → Security; active Cases must be wound down per the Engagement Letter. We may suspend or terminate access for material breach of these Terms, suspected fraud, regulatory requirement, non-payment, prolonged inactivity, or where we cease to offer the Service (on reasonable notice). Sections that by their nature should survive termination (fees, liability, indemnity, confidentiality, IP, governing law) will survive.

17. Warranties and conformity

We provide the Service with reasonable skill and care, and in conformity with the objective and subjective requirements of Directive (EU) 2019/770 where applicable. Recovery outcomes depend on facts, third-party decisions and applicable law beyond our control; past results do not guarantee future recoveries and we do not warrant any specific outcome, timing or amount. Except for the statutory rights you have as a consumer (which are not affected), all other warranties are excluded to the maximum extent permitted by law.

18. Liability

Nothing in these Terms limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) gross negligence or wilful misconduct; or (d) any other liability that cannot be limited under EU or Irish law, including your mandatory rights as a consumer.

Subject to the above, our aggregate liability arising out of or in connection with the Service is limited to the greater of (i) the fees you paid us in the 12 months before the event giving rise to the claim, or (ii) EUR 1,000. We are not liable for indirect, incidental or consequential loss, loss of profit, loss of revenue, loss of goodwill, loss of business opportunity, or loss arising from third-party processor, acquirer, bank, court, regulator or counterparty decisions.

19. Indemnity

You will indemnify and hold harmless UnblockFunds, its affiliates, officers, employees, specialists and partner law firms from third-party claims, losses, damages and reasonable costs (including reasonable legal fees) arising out of (i) Your Content, (ii) your breach of these Terms, including the acceptable-use rules, or (iii) your violation of applicable law. This indemnity does not apply to the extent the loss is caused by our gross negligence or wilful misconduct, and is subject to our prompt notice to you and your right to control the defence with counsel reasonably acceptable to us.

20. Intellectual property

UnblockFunds and its licensors retain all rights, title and interest in and to the platform, software, templates, brand, documentation, models and feedback you provide (which you grant us a perpetual, irrevocable, royalty-free licence to use). You receive a limited, non-transferable, revocable right to use the Service for its intended purpose during the term. No rights are granted by implication or estoppel.

21. Confidentiality

Each party must keep the other's non-public information confidential and use it only to perform under these Terms. Confidential information does not include information that is or becomes public other than by breach, was lawfully known prior to disclosure, is independently developed, or is received from a third party without confidentiality restrictions. Disclosure compelled by law, regulator or court is permitted with prompt written notice where lawful.

22. Data protection

Our processing of personal data is described in the Privacy Policy, which forms part of these Terms. Where we process personal data on your behalf (for example, personal data of your customers contained in Case files), the Data Processing Addendum (DPA) available on request applies and is hereby incorporated by reference for B2B customers.

23. Security and acceptable testing

We maintain technical and organisational measures appropriate to the risk. We welcome good-faith vulnerability research. Report findings to security@unblockfunds.com. Do not access, modify or exfiltrate data that is not your own, do not disrupt the Service, and give us a reasonable opportunity to remediate before any disclosure.

24. Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including war, civil unrest, terrorism, sanctions, public health emergencies, strikes, large-scale infrastructure or cloud outages, undersea-cable cuts, or government action. Affected obligations are suspended for the duration of the event; payment obligations for services already rendered are not suspended.

25. Changes to these Terms

We may update these Terms to reflect legal, regulatory, security or operational changes. Material changes will be notified by email and in-app at least 30 days in advance. If you do not accept the new Terms, you may close your Account before they take effect. Continued use after the effective date constitutes acceptance.

26. Complaints and dispute resolution

Please raise any complaint first at complaints@unblockfunds.com; we aim to acknowledge within 5 business days and resolve within 30 business days. As an EU consumer you may also use the European Commission's Online Dispute Resolution platform or refer the matter to a certified Alternative Dispute Resolution body in your Member State under Directive 2013/11/EU. Complaints about regulated legal services are handled under the relevant Bar / Law Society procedure disclosed in the Engagement Letter.

27. Governing law and jurisdiction

These Terms are governed by Irish law. The Irish courts have non-exclusive jurisdiction. If you are an EU consumer, you also benefit from the mandatory protections of the law of your Member State of habitual residence, and you may bring proceedings in the courts of that Member State and be sued only there (Regulation (EU) 1215/2012; Regulation (EC) 593/2008 (Rome I); Regulation (EC) 864/2007 (Rome II)).

28. Miscellaneous

• Severability. If any provision is held invalid, the rest remains in effect.
• No waiver. No waiver is implied by delay or partial exercise of a right.
• Assignment. You may not assign without our consent; we may assign to a group company or successor on reasonable notice.
• No third-party beneficiaries. Save for our affiliates and partner law firms in respect of sections 18 and 19, no third party has rights under the Contracts (Rights of Third Parties) framework.
• Notices. To us: legal@unblockfunds.com with copy to the registered office. To you: by email to your Account contact and/or in-app.
• Electronic signatures. The parties accept electronic signatures under Regulation (EU) 910/2014 (eIDAS) as equivalent to handwritten signatures where required.
• Entire agreement. These Terms (together with the Engagement Letter, Order Form, Privacy Policy, Refund Policy and any DPA) constitute the entire agreement on their subject matter and supersede prior discussions.
• Language. These Terms are concluded in English. Translations are provided for convenience only; the English version prevails in case of conflict, subject to mandatory consumer-protection rules.

29. Contact

General: support@unblockfunds.com
Legal notices: legal@unblockfunds.com
DSA notices: dsa@unblockfunds.com
Security: security@unblockfunds.com
Postal: UnblockFunds Ltd, 12 St Stephen's Green, Dublin 2, D02 XY12, Ireland.

© 2026 UnblockFunds Ltd. All rights reserved.