Terms of service

Effective September 27, 2026

These terms are an agreement between Oyaka and the business that creates an account ("you" or the "merchant"). By creating an account or using Oyaka, you agree to them on behalf of your business and confirm you have authority to do so.

1. The service

Oyaka connects to the payment systems you choose (such as your gateway, processor, alert provider and bank) and gives you reconciliation, deposit forecasts, dispute management, alert tracking, processor cost comparison and related reports. We may improve or change features over time. If we remove a feature you rely on, we'll give you reasonable notice.

2. Your account

You're responsible for the people you invite, the roles you give them and everything done under your account. Keep sign-in details private, use two-factor sign-in (it's required), and tell us right away at security@oyaka.com if you suspect unauthorized access.

3. Connecting your systems

You authorize Oyaka to access the systems you connect, using the credentials you provide, to read your data and to take actions you request. You confirm you have the right to connect those accounts and to share the data in them with us, including any customer information, and that you've given any notices your customers are owed. Your use of those systems stays governed by your own agreements with their providers. We are not responsible for their availability, accuracy or changes to their services.

4. Actions happen only at your direction

Refunds, dispute submissions, alert credit requests and routing changes happen only when someone on your team chooses to take them. Recommendations, win estimates, deposit forecasts and cost comparisons are estimates based on available data. They are not guarantees, and they are not financial, legal or accounting advice. You decide whether to act on them and are responsible for complying with card network rules, your processor agreements and applicable law.

5. Plans, fees and payment

Monthly plans: Merchant at $299 per month (up to $500,000 in monthly card sales) and Growth at $799 per month (up to $3,000,000). If you go over your plan's limit for two months in a row, we'll ask you to move to the right plan.
Recovery plan: instead of a monthly fee, you may pay 15% of amounts recovered with Oyaka's help: disputes won, alert fee credits received, and fee errors that your provider credits back. We invoice monthly for recoveries confirmed that month. If nothing is recovered, you owe nothing for that month.
Free report: new accounts can set up, upload files and see their reports for free, with no card needed. A monthly plan starts when you subscribe: your card is charged that day for the first month, access to all features starts immediately, and the plan renews each month on that date. You can cancel any time, effective at the end of the paid month. Card payments are processed by our payment processor; we never store your full card number.
Monthly plan fees are billed in advance, starting on the day you subscribe; the recovery plan is billed in arrears after each month. If a payment fails we retry it for up to seven days, then pause syncing until a working card is added. Fees don't include taxes, which you pay where they apply. Fees already paid are not refundable, except as these terms say.
If a payment is more than 15 days late, we may pause the service after giving you notice. We'll give you at least 30 days' notice before changing prices.

6. Your data

You own your data. You give Oyaka permission to host, copy, process and display it only to provide, secure and support the service for you, as described in our privacy policy. We may create aggregated, de-identified statistics that cannot identify you, any person or any card, and use them to improve Oyaka. You can export your data at any time. After your account closes, we delete or de-identify your data as the privacy policy describes.

7. Confidentiality

Each of us will protect the other's non-public business information with at least reasonable care, use it only for purposes of this agreement, and share it only with people who need to know it and are bound to keep it confidential. This doesn't apply to information that is public through no fault of the receiving party, was already known to it, or was independently developed.

8. Acceptable use

You won't use Oyaka to break the law or card network rules, to hide chargeback activity from your providers, to spread volume across accounts to avoid monitoring programs, to process data you have no right to use, to probe or disrupt our systems, or to resell the service without a partner agreement with us.

9. Suspension and ending the agreement

You can cancel at any time in Billing; cancellation takes effect at the end of the current billing month. We may suspend access right away if needed to prevent harm, security risk or illegal activity, and will tell you why. Either of us may end this agreement if the other seriously breaches it and doesn't fix the problem within 30 days of notice. When it ends, you'll have 30 days to export your data.

10. Warranties and disclaimers

We will provide the service with reasonable skill and care. Beyond that, and to the extent the law allows, Oyaka is provided "as is," and we disclaim all other warranties, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We don't promise any particular dispute outcome, recovery amount or savings.

11. Limits on liability

To the extent the law allows, neither of us will be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or revenue, even if told they were possible. Each party's total liability under this agreement is limited to the fees you paid Oyaka in the 12 months before the event giving rise to the claim. These limits don't apply to your payment obligations, a party's breach of confidentiality, or either party's indemnity obligations.

12. Indemnity

You'll defend Oyaka against third-party claims arising from data you had no right to share or from actions you directed in your connected systems, and pay resulting damages and costs. We'll defend you against third-party claims that the Oyaka service itself infringes their intellectual property, and pay resulting damages and costs.

13. General

California law governs these terms, without regard to conflict-of-law rules, and the state and federal courts in Los Angeles County, California have exclusive jurisdiction. If we change these terms in a material way, we'll email account owners at least 30 days before the change takes effect; continuing to use Oyaka after that means you accept the change. Neither of us is responsible for delays caused by events beyond reasonable control. You may not transfer this agreement without our consent, except to a successor of your business. These terms, together with the privacy policy and any order form, are the entire agreement between us.

14. Contact

Questions about these terms: legal@oyaka.com.