Chargerback
Chargerback claims a broad, perpetual, irrevocable, worldwide license to any content you post on their site, including the right to create derivative works and sublicense it, and this license survives account deletion. They can change terms at any time with no direct notice required beyond posting on their website, meaning continued use equals acceptance. They also override any prior opt-out preferences and consent you to receive automated calls and texts at any number you provide.
The Bottom Line
AI-generated summary of the terms as we read them. Opinion, not legal advice.
Chargerback claims a broad, perpetual, irrevocable, worldwide license to any content you post on their site, including the right to create derivative works and sublicense it, and this license survives account deletion. They can change terms at any time with no direct notice required beyond posting on their website, meaning continued use equals acceptance. They also override any prior opt-out preferences and consent you to receive automated calls and texts at any number you provide.
Get notified when Chargerback updates their TOS
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By subscribing, you agree to our Terms and Privacy Policy.
Notable Clauses
“by posting Content, You understand, acknowledge and expressly grant Us, Our agents, licensees, and assigns an irrevocable, perpetual, worldwide, royalty-free, transferable, nonexclusive right and license to reproduce, encode, store, copy, transmit, publish, post, broadcast, display, publicly perform...”
“Notwithstanding any current or prior election to opt in or opt out of receiving calls or SMS messages (including text messages) from us, our partners, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, a...”
“We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.”
“IN NO EVENT SHALL CHARGERBACK LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, CORRUPTION OR LOSS OF DATA, FAILURE TO TRANSMIT OR RECEIVE ANY DATA, BUSINESS INTERRUPTION OR ANY OTHER COMM...”
“You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is...”
“Chargerback reserves the right, at any time and from time to time, to update, revise, supplement, and otherwise modify this Agreement and to impose new or additional rules, policies, terms, or conditions on Your use of the Sites. We further reserve the right to add or remove functionality or feature...”
“You acknowledge that at all times, We will remain the owner of all de-identified, raw transactional data and any other de-identified data collected, generated or otherwise derived by Chargerback in the course of providing the Sites, including usage data ("Historical Data").”
“You grant to Us and Our affiliates a worldwide, perpetual, irrevocable, royalty-free license to use and incorporate into the Sites any suggestion, enhancement request, recommendation, correction or other feedback provided by You relating to the operation of the Sites.”
“TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE SITES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND WE HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE SITES, EITHER EXPRESS, IMPLIED OR STAT...”
Protect Yourself
ACTIONABLESettings and actions you can take to limit your exposure
Limit What Phone Numbers You Provide
The automated call and text consent applies specifically to numbers you provide. Providing only the minimum necessary contact information limits the scope of contacts they can make.
- When filling out a lost item report, provide only one contact number — the one you most want to be reached on
- Do not enter secondary or work numbers unless absolutely necessary
- If your number changes, promptly notify Chargerback so they stop contacting old numbers (they require this in their terms)
Minimize Personal Content You Post
The broad content license applies to Content you post on the site. The less you post beyond what's required to file a lost item report, the less they can license.
- Only upload photos of your lost item if strictly required — avoid posting photos that contain identifiable personal information
- Keep descriptions factual and minimal — avoid including sensitive personal details beyond what's needed to identify the item
- Do not use the site's comment or feedback features unless necessary, as feedback is also subject to a perpetual license
Use a Dedicated Email Address for the Report
By submitting your email, you consent to contact from Chargerback and agents. Using a separate email keeps their communications from mixing with your primary inbox.
- Create a free secondary email address (e.g., via Gmail or ProtonMail) dedicated to travel and service accounts
- Use that secondary address when filing lost item reports on Chargerback
- Set up a filter or label in your primary email client to manage any forwarded communications
Monitor for Unannounced Terms Changes
Chargerback only posts changes to their website without direct notification required, so you won't be alerted automatically. Setting a reminder to periodically check helps you stay aware.
- Bookmark https://www.chargerback.com and check for Terms of Service updates whenever you use the service
- Use a free web page monitoring tool (e.g., Visualping) to watch the Chargerback TOS page for changes
- Set a calendar reminder every 6 months to review the current terms at chargerback.com
Document Your Lost Item Report Submission
Since Chargerback disclaims liability for data loss and transmission failures, keeping your own record protects you if disputes arise about whether a report was submitted.
- Take a screenshot of your completed lost item report confirmation page immediately after submitting
- Save the confirmation email to a dedicated folder
- Note the date, time, and reference number of your submission in a personal document
Disclaimer: The clauses shown above are excerpts from publicly available Terms of Service documents. Ratings and severity levels reflect community and AI assessment, not legal advice, factual claims, or determinations about a company's legality or intent. Clauses marked “VERIFIED” have been confirmed as exact quotes from the source document. Clauses marked “AI-extracted” were identified by AI and may contain errors. Always verify against the original TOS.
Get notified when Chargerback updates their TOS
We'll email you what changed and what it means
By subscribing, you agree to our Terms and Privacy Policy.