Terms of Service

1. Description of Services

TorontoRefund.net provides assistance in recovering funds lost through financial disputes, including but not limited to:

• Online scams and fraudulent transactions
• Medical billing errors and insurance claim denials
• Unauthorized charges and payment disputes
• Misrepresentation or non-delivery of services

Our Services may include case assessment, document collection and organization, liaison with financial institutions or insurers, forensic analysis, and, where necessary, coordination with legal or investigative professionals. We do not provide standalone legal advice or medical services.

2. Eligibility and Client Obligations

By using our Services, you represent and warrant that:

• You are at least 18 years of age, or the age of majority in your jurisdiction, and competent to enter into a binding contract.
• All information you provide to us, including personal identification, financial details, and any sensitive health-related data, is true, accurate, current, and complete.
• You will promptly update any information that becomes outdated or incorrect.
• You will not use our Services for any unlawful, fraudulent, or unauthorized purpose.
• You have all necessary rights and consents to share any documentation or information with us, including third-party medical records or financial data.

We reserve the right to verify your identity and the authenticity of the documents you provide. Failure to comply with these obligations may result in immediate suspension or termination of Services.

3. No Guarantee of Outcome

We do not guarantee the successful recovery of any funds. Fund recovery is an inherently uncertain process, and outcomes depend on numerous factors beyond our control, including the cooperation of third parties, the complexity of the case, the location of assets, and applicable laws.

While we will employ reasonable skill and diligence in pursuing your recovery, we make no warranties or representations as to the likelihood, amount, or timeline of any recovery. Any estimates, projections, or prior successes communicated by us are purely illustrative and do not constitute a promise or guarantee.

4. Fees and Payment Terms

Our fee structure will be disclosed and agreed upon in a separate Retainer Agreement, Engagement Letter, or Service Order before we commence work on your case. Fees may include:

• A fixed consultation or case initiation fee
• A contingency fee, meaning a percentage of amounts successfully recovered
• Hourly rates for additional services, if applicable

Payment obligations: You agree to pay all fees in accordance with the agreed-upon terms. Unless otherwise stated, all fees are non-refundable. If your case proceeds on a contingency basis, our fee will only be due if and when funds are recovered, as detailed in the separate agreement.

We do not process payments directly on our website for sensitive services; any payment links or invoices will be delivered through secure third-party payment processors. By providing payment card or banking details, you authorize us, or our processor, to charge the specified amounts.

5. Intellectual Property

All content, materials, logos, software, and methodologies provided by TorontoRefund.net, including this website, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the website for the purpose of evaluating or using our Services. You may not copy, reproduce, distribute, or create derivative works without our express written consent.

6. Confidentiality and Data Privacy

We take the protection of your personal information, especially sensitive health and financial data, seriously. Our collection, use, and disclosure of such data are governed by our Privacy Policy, which is incorporated by reference into these Terms. By accepting these Terms, you also acknowledge and consent to the practices described in the Privacy Policy.

You agree to keep confidential any non-public information we provide to you about our processes, methodologies, and pricing, and you shall not disclose such information to third parties without our written permission.

7. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis.

To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our Services will meet your specific requirements or result in fund recovery, that our website will be uninterrupted, secure, or error-free, or that any information or files you download will be free of viruses or harmful components.

Any reliance on our communications, case assessments, or materials is at your own risk. We are not responsible for the actions of third parties, including banks, payment processors, cryptocurrency exchanges, law enforcement agencies, or any entities involved in the underlying dispute.

8. Limitation of Liability

To the maximum extent permitted by law, TorontoRefund.net, its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, business opportunities, or reputational harm, arising out of or related to these Terms or the Services, whether based on contract, tort, including negligence, or any other legal theory, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you under these Terms shall not exceed the total amount of fees actually paid by you to TorontoRefund.net in the twelve (12) months preceding the event giving rise to the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless TorontoRefund.net and its representatives from and against any claims, damages, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your violation of these Terms or applicable law
• Your provision of false, misleading, or unauthorized information
• Any dispute you have with a third party, including financial institutions, healthcare providers, or insurers
• Your misuse of our Services

10. Termination

Either party may terminate the Services at any time, with or without cause, upon written notice. Upon termination, you will remain liable for any fees incurred or due for work performed prior to termination, as specified in your separate agreement.

We may suspend or terminate your access to all or part of the Services immediately, without prior notice, if we reasonably believe that you have violated these Terms, engaged in fraudulent activity, or that your continued involvement poses a legal, regulatory, or reputational risk.

Provisions relating to fees, intellectual property, confidentiality, disclaimer of warranties, limitation of liability, indemnification, and dispute resolution shall survive termination.

11. Third-Party Links and Services

Our website or communications may contain links to third-party websites or resources. We are not responsible for their availability, content, or practices. You access such third-party services at your own risk and should review their terms and privacy policies.

We may engage third-party professionals, such as lawyers or forensic accountants, to assist with your case. While we use care in selecting these partners, we are not responsible for their independent acts or omissions unless they are acting under our direct control.

12. Dispute Resolution and Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, including their formation, interpretation, breach, or termination, shall first be attempted to be resolved through good-faith negotiations. If the dispute cannot be resolved within thirty (30) days, it shall be resolved by binding arbitration administered by a recognized arbitration service in accordance with its rules.

The arbitration shall be conducted in English, and the decision may be entered in any court of competent jurisdiction. You agree to resolve disputes with us on an individual basis and waive any right to participate in a class, collective, or representative action or arbitration.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Seychelles, without regard to its conflict of law principles. Subject to the arbitration clause in Section 12, the courts of Seychelles shall have non-exclusive jurisdiction over any matter not resolved by arbitration.

14. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, pandemics, government orders, labor strikes, internet or utility failures, or actions of third parties.

15. Amendments to These Terms

We reserve the right to update or modify these Terms at any time. When we do, we will post the revised version on this page and update the "Effective Date" above. For material changes, we will provide notice through our website or via email.

Your continued use of our Services after such changes constitutes your acceptance of the new Terms. If you do not agree, you must discontinue use.

16. General Provisions

Entire Agreement: These Terms, together with any separate signed agreement and our Privacy Policy, constitute the entire agreement between you and TorontoRefund.net and supersede all prior understandings.

Severability: If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.

Waiver: Our failure to enforce any right or provision does not constitute a waiver of future enforcement.

Assignment: You may not assign these Terms or your rights and obligations without our written consent. We may assign these Terms without restriction.

17. Contact Information

For any questions about these Terms of Service, or to provide notice, please contact us at: