Terms of Service

Effective 29 July 2026 · governed by the laws of Ireland

1. Who we are

Opsidion is operated by Foighne Ventures Limited, a company registered in Ireland (company no. 738028) ("we", "us"). Contact: [email protected]. Opsidion is an independent merchant tool and is not affiliated with, endorsed by, or connected to Stripe, Inc. or any of its affiliates. "Stripe" is a trademark of Stripe, Inc.

These terms, together with the Privacy Policy and the Refund Policy, form the agreement between you and us. By connecting an account, purchasing a report or otherwise using the service, you accept them. If you do not accept them, do not use the service.

2. The service

Opsidion helps businesses understand and address the risk, restriction and enforcement decisions of the platforms they depend on. For supported platforms (currently Stripe), it connects to your account with your authorization, via OAuth and on a read-only basis, and provides:

• Preliminary assessment (free). Runs when you connect: your headline 0–100 risk score and whether your account currently carries restrictions.
• Risk Audit (paid). The full scored report: analysis of a recent window of payment activity, screening of your business website against platform policy, and remediation steps for each finding.
• Account Diagnosis (paid). For accounts already restricted: probable causes ranked from the platform's own signals, each with a route back.
• Troubleshooter (free, requires a connected account). Guided problems answered against a fresh read of your account data.

Reports are generated on demand and reflect only the data available to us at the moment you request them. A report is a snapshot, not monitoring: we do not watch your account on an ongoing basis and we have no obligation to tell you if something changes after a report is produced.

3. Informational only: no advice, no guarantees

Reports are automated, informational analyses. They are not legal, financial or compliance advice, and they do not represent Stripe's actual internal risk assessment, which is proprietary to Stripe. We do not guarantee that following a report's suggestions will prevent account restriction, restore a restricted account, or produce any particular outcome with Stripe or any other party. Decisions about your account are made solely by Stripe.

Our findings are produced by automated analysis of the data your platform exposes and of published platform policies, which those platforms change at their discretion and without notice to us. Findings may be incomplete, may not reflect a policy change made after the report was generated, and may identify issues that the platform does not act on, or miss issues that it does. You remain responsible for your own compliance decisions and for obtaining professional advice where your situation warrants it.

4. Eligibility and acceptable use

• You must be at least 18 and using the service for business purposes.
• You may only connect a Stripe account you own or are authorized to act for.
• You may not use the service to conceal prohibited activity, evade a processor's ban or the card networks' MATCH listing, or for any unlawful purpose. We may refuse or terminate service where we reasonably suspect this.
• You may not attempt to gain unauthorized access to the service or any account other than your own, probe or test its security, interfere with its operation, circumvent rate limits or payment gating, or use automated means to scrape or bulk-extract it.
• You may not reverse engineer, decompile or attempt to derive the scoring logic, thresholds or rules behind our analysis, except to the extent that restriction is unenforceable under applicable law.
• You warrant that you are not located in, and not ordinarily resident in, a country subject to comprehensive trade sanctions, and that you are not named on any applicable sanctions or restricted-party list.

5. Your connection and your authority

There is no username or password with us. Access is granted entirely through the platform's own OAuth flow, which means anyone who can sign in to your connected platform account and complete that flow can reach the reports purchased for it. Securing your platform credentials is your responsibility, and you are responsible for activity carried out through your connected account.

By connecting an account you represent and warrant that you own it or are authorized by the account owner to connect it and to receive analysis of it, and that doing so does not breach your agreement with the platform. Purchases and reports are tied to the connected account and are licensed to the business that owns it.

6. Your Stripe data

Connecting grants us API access to read your Stripe account data. We use it only to generate your reports, as described in the Privacy Policy. You can revoke access at any time from your Stripe dashboard (Settings → Installed apps) or by disconnecting in Opsidion.

Your account data may include personal data relating to your customers. As between you and us, you are responsible for having a lawful basis to have that data analysed, and for your own obligations to those individuals.

7. Website screening

Our reports include screening of the public business website recorded on your connected account. We retrieve publicly accessible pages as an ordinary visitor would. We do not attempt to access password-protected, private or authenticated areas, and we do not submit forms or place orders. You confirm that you own the website or are authorized to have it screened. Screening reflects what was published at the time of the fetch; if the site is unreachable, blocked or gated at that moment, the screening will be incomplete and the report will be produced on the data we could obtain.

8. Fees and payment

Reports are one-off purchases at the prices displayed at checkout, processed by Stripe Checkout. Prices are in USD and, where required, exclusive of VAT which will be shown at checkout. Refunds are governed by the Refund Policy, including the automatic refund for an unassessable Account Diagnosis.

Free pre-purchase assessment. When you connect an account we run a free assessment and show you (a) your headline risk score and (b) whether the account has any active restrictions, before you buy anything. The Risk Audit purchase gives you the full findings behind the score you have already seen. The Account Diagnosis is only offered when the assessment detects an active restriction on your account (disabled reason, disabled charges or payouts, or outstanding verification requirements); where no restriction exists, the product is not available for purchase, as there is nothing to diagnose.

You are responsible for any taxes other than those we are required to collect. If a payment is reversed or charged back other than under the Refund Policy, we may revoke access to the report it paid for.

9. Right of withdrawal (EU consumers)

Reports are digital content delivered immediately after purchase. Where you are a consumer in the EU/EEA, by purchasing you expressly consent to immediate delivery and acknowledge that you thereby lose the statutory 14-day right of withdrawal under the Consumer Rights Directive once delivery has begun. This does not affect the refunds we offer voluntarily under the Refund Policy or your other statutory rights.

10. Intellectual property and feedback

We own the service, its software, its analysis methodology and our branding. Your reports are yours to use for your business. You may not resell the service, publish our reports as your own product, or systematically extract our analysis for a competing product.

If you send us feedback, suggestions or ideas about the service, we may use them for any purpose without restriction, attribution or payment to you. We may also produce aggregated, anonymised statistics that cannot identify you or your business, and those statistics are ours.

11. Data deletion

You can end our access and have your data deleted at any time. This section explains how, and what we are obliged to keep.

Immediately, by yourself:

• Disconnect in Opsidion, or revoke access in your Stripe dashboard (Settings → Installed apps). This deletes your session and our stored access token straight away, and we can no longer read your account.
• Report contents are generated on demand and are not retained after generation, so there is no stored copy of your report data for us to delete. Any PDF you downloaded or had emailed to you stays with you.

By request: email [email protected] from the address associated with your account, including the connected account ID (acct_…) so we can identify the right records. We will confirm and complete the deletion within 30 days. A deletion request covers the data we hold about you, including assessment snapshots, activity and technical logs, support tickets and correspondence, and any remaining session records.

What we retain, and why. We will not delete data where we are required or permitted by law to keep it. Specifically, we retain:

• Payment and transaction records: for 6 years, as required by Irish tax and accounting law. This covers the fact of a purchase, its amount, time and identifiers, not your account contents.
• records needed to establish, exercise or defend legal claims, for as long as the relevant limitation period runs;
• records needed to detect and prevent fraud, abuse or repeated misuse of the service; and
• anything we must keep to comply with a legal obligation, court order or lawful request from an authority.

Retained records are kept to the minimum needed for the purpose, and deleted once that purpose expires. Residual copies may persist in routine backups for a limited period until those backups are overwritten in the ordinary cycle. Deleting your data may make previously purchased reports permanently unretrievable, and we are under no obligation to regenerate them. This section is in addition to, and does not limit, your rights under the GDPR as described in the Privacy Policy.

12. Availability and changes to the service

We do not promise any particular level of availability. The service depends on third-party platforms and infrastructure, above all the Stripe API, and if a platform changes, restricts, deprecates or interrupts its API, parts of the service may degrade or stop working. We may change, suspend or discontinue any part of the service, including individual products, at any time.

Neither party is liable for any failure or delay caused by events beyond its reasonable control, including platform or infrastructure outages, network failures, acts of government, industrial action, or natural events. If we permanently discontinue a paid product before you have generated a report you have already paid for, we will refund it.

13. Disclaimer of warranties

To the maximum extent permitted by law, and except for warranties that cannot lawfully be excluded:

• The service and all reports are provided "as is" and "as available", with all faults and without warranty of any kind.
• We disclaim all implied warranties and conditions, including merchantability, fitness for a particular purpose, satisfactory quality, accuracy, and non-infringement.
• We do not warrant that the service will be uninterrupted, timely, secure or error-free, that findings will be complete, accurate or current, that defects will be corrected, or that the service will meet your requirements.
• We do not warrant any outcome, and in particular give no warranty as to how Stripe or any other platform will assess, treat, restrict or reinstate your account.

No advice or information, whether oral or written, obtained from us or through the service creates any warranty not expressly stated here.

14. Limitation of liability

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability that Irish law does not permit us to exclude. Subject only to that:

• Cap. In no event shall our total aggregate liability arising out of or in connection with the service or these terms exceed the total amount you actually paid us for the service giving rise to the claim in the 12 months immediately before the event giving rise to the claim. Where you have paid us nothing in that period (for example if you used only the free assessment or the Troubleshooter), our total aggregate liability is limited to €100.
• The cap is aggregate. It applies to all claims taken together, not to each claim separately, and multiple claims do not increase it.
• All theories of liability. These limits apply whether the claim arises in contract, tort (including negligence), breach of statutory duty, misrepresentation, restitution or otherwise, and whether or not we were advised of the possibility of the loss.
• Excluded losses. We are not liable for indirect, incidental, special, consequential, exemplary or punitive loss, nor for any of the following however arising: lost profits, revenue, sales, business, contracts or anticipated savings; loss of opportunity, goodwill or reputation; business interruption; loss or corruption of data; the cost of substitute services; or wasted management time.
• Platform decisions. We are not liable for the decisions or actions of any platform, including Stripe, other payment processors, marketplaces, app stores, acquirers or card networks, such as restricting, suspending, terminating, closing or declining to reinstate your account, holding, freezing or reserving funds, imposing fines, penalties or chargebacks, or listing you on MATCH, the Terminated Merchant File or any equivalent register. Those decisions are made solely by the platform, whether or not you followed anything in our reports or troubleshooting, and whether or not our analysis anticipated them.
• Your reliance. We are not liable for any decision you take, or decline to take, on the basis of a report, or for any delay in a platform's own processes.
• Who is covered. These limits and exclusions apply equally to our affiliates, directors, officers, employees, contractors and suppliers, each of whom may rely on them.
• Time limit. Any claim must be brought within 12 months of the date on which the cause of action arose. After that period the claim is permanently barred, except where a longer period is required by law.

You acknowledge that these limits are a reasonable allocation of risk between us, that they reflect the one-off, low-value, informational nature of the service, and that our prices would be materially higher without them.

If you are a consumer, the limitations in this section and the time limit above apply only to the extent permitted by the mandatory consumer-protection law of your country of residence, and nothing here affects your statutory rights.

15. Indemnity

You agree to indemnify, defend and hold harmless Foighne Ventures Limited, its affiliates, and their directors, officers, employees, agents, contractors and suppliers (the "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, investigations, liabilities, losses, damages, fines, penalties, costs and expenses, including reasonable legal fees and the costs of enforcing this indemnity, arising out of or in connection with:

• your access to or use of the service, or your reliance on any report, finding or troubleshooting output;
• your breach of these terms, or of any representation or warranty you give in them;
• your breach of any law or regulation, or of your agreement with any platform;
• any claim that you were not authorized to connect the account you connected, or to have the website you submitted screened;
• your business, products, services, marketing or website, including the underlying conduct that any finding relates to;
• any claim brought by a platform, acquirer, card network, regulator, customer or other third party in connection with your account or business; and
• your infringement or misappropriation of any third-party right, including intellectual property and data-protection rights.

We will notify you of any claim to which this indemnity applies. You may not settle any claim in a way that admits fault on the part of an Indemnified Party, imposes any obligation on one, or affects our rights, without our prior written consent. We may, at your expense, assume sole control of the defence and settlement of any such claim with counsel of our choosing, and you will cooperate fully with that defence. This indemnity survives termination.

If you are a consumer, this indemnity applies only to the extent permitted by the mandatory consumer-protection law of your country of residence.

16. Individual claims only

To the maximum extent permitted by law, you and we each agree that claims may be brought only in an individual capacity, and not as a plaintiff, representative or class member in any purported class, collective, consolidated, group or representative proceeding. Claims of more than one user may not be consolidated or heard together without the written consent of both you and us, and neither of us may act in a representative capacity on behalf of the general public or other users. Where a claim is brought in a jurisdiction in which trial by jury is available for it, both parties waive any right to trial by jury.

This section does not apply where you are a consumer, and it does not limit any non-waivable right, including any right to participate in a representative action under Directive (EU) 2020/1828 or its national implementations, or to complain to a regulator or supervisory authority. If any part of this section is held unenforceable in relation to a particular claim, that part is severed for that claim only and the rest of these terms, including the limitation of liability, continues in full force.

17. Suspension and termination

We may suspend or terminate your access immediately if you breach these terms, if we reasonably suspect fraud, abuse or unlawful use, if your use puts the service or other users at risk, or where we are required to by law. You may stop using the service at any time by disconnecting your account or revoking access at the platform.

On termination your access to the service and to any purchased reports ends. Termination does not entitle you to a refund of reports already delivered; where you have paid for a report you have not received, the Refund Policy applies. The sections on intellectual property, data deletion, disclaimers, limitation of liability, indemnity, individual claims, governing law and the general terms survive termination.

18. Changes to these terms

We may update these terms; material changes will be posted here with a new effective date, and continued use after that constitutes acceptance. If you do not accept a change, stop using the service and disconnect your account. Changes do not apply retroactively to a claim that has already arisen, and the terms in force at the time of a purchase govern that purchase.

19. Governing law and disputes

These terms are governed by the laws of Ireland and the Irish courts have jurisdiction. If you are an EU consumer you also benefit from mandatory protections of your country of residence, and may use the European Commission's Online Dispute Resolution platform .

Talk to us first. Before starting proceedings, you agree to contact us at [email protected] with a written description of the dispute and to allow us 30 days to resolve it in good faith. This does not prevent either party from seeking urgent injunctive relief, and does not apply where you are a consumer exercising a statutory right.

20. General

• Entire agreement. These terms, with the Privacy and Refund Policies, are the entire agreement between us about the service and supersede anything said or written beforehand. Nothing in this clause limits liability for fraud or fraudulent misrepresentation.
• Severability. If any provision is held invalid or unenforceable, it is to be applied in the narrowest form that is enforceable, or severed if it cannot be, and the remaining provisions continue in full force.
• No waiver. A failure or delay in enforcing any right is not a waiver of it.
• Assignment. You may not assign or transfer these terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.
• Third parties. No one other than you and us may enforce these terms, except that the Indemnified Parties may rely on the disclaimers, limitations of liability and indemnity in them.
• Notices. We may contact you at the email address associated with your connected account or that you give us; notices are treated as received 24 hours after sending. Write to us at [email protected].
• Relationship. Nothing here creates a partnership, agency, joint venture or employment relationship between us.
• Language and headings. The English text governs. Headings are for convenience only and do not affect interpretation.