Privacy

This page says what feefighters.com collects, what we do with it, and what we do not do. It is written to be read. Where a section describes the chargeback tool, note that the tool is in development; those sections describe how it is being built and what we will do when it is live.

Who we are

FeeFighters is a product of Phase 3 Business Services LLC, Fort Lauderdale, Florida. When this page says “we,” that is who it means. Merchant accounts opened through this site are placed with GAM Payments, and the section on sharing says exactly what goes to them.

What we collect, and when

When you visit. Like nearly every website, this one records the technical basics of a visit: your IP address, browser and device type, the pages you view and roughly how long you spend, and the site that sent you here. We use Google Analytics, loaded through Google Tag Manager, to see that in aggregate. Google receives that data under its own privacy policy. Our pages are served through Cloudflare, which sees every request in order to deliver the page and block abuse. Fonts load from Google Fonts, which means Google’s servers see your IP address when they serve the font file.

Advertising tags. This site also loads two advertising tags through Tag Manager: the Meta (Facebook) Pixel and Google Ads remarketing. Each sets a cookie and tells Meta or Google that your browser visited feefighters.com and which pages it viewed, so that we could later show ads to people who have been here. We are not currently running ad campaigns, but the tags are live and the data is collected, so we are telling you. Under some state privacy laws this counts as “sharing” personal information for targeted advertising, and you can opt out; see Your rights below.

When you fill in a form. The forms on this site ask for your name, business name, email address, phone number, who processes your payments now, your monthly card volume, and anything you type into the notes field. We do not ask for anything else, and you can leave the optional fields blank.

When you send us a statement. If you send a processing statement for a fee audit, we hold that document to do the audit. Redact your bank account and routing numbers before sending. We do not need them and we would rather not have them.

When you use the chargeback tool. You will upload dispute notices and evidence: receipts, delivery records, correspondence, transaction logs. We hold those to build your response. We are building the tool so that it never stores a full card number: any 13 to 19 digit number that looks like a card number is reduced to its last four digits before anything is saved.

How we use it

To answer you. To run the audit or build the dispute response you asked for. To follow up about that work and, if you have asked us to, about our services. To understand which pages are read and which are not, so we can improve the site.

Where artificial intelligence is involved

We use AI models in two places, and we think you should know how.

Reading your documents. When you upload a chargeback notice or paste its text, an AI model extracts the structured facts from it: card network, reason code, amount, dates, deadline. You are shown what it read and asked to confirm or correct it before anything else happens. Nothing proceeds on an extraction you have not confirmed.

Drafting your response. The rebuttal letter is drafted by an AI model working from the card network’s rules for that reason code and from the evidence you have actually provided. Before you see it, software checks that every piece of evidence the letter cites is one you uploaded, and rejects any draft that references something that does not exist. You review and can edit every word before it is finalized. A person, not the model, decides what gets submitted.

The model provider we use is Anthropic. Your documents are sent to their API to be processed and are not used to train their models. Statements sent for a fee audit may also be read by an AI model to extract line items; the same rules apply.

We do not use AI to make decisions about you. It does not decide whether your dispute is fought or accepted; it gives an assessment, and you decide. It does not screen, rank or profile people.

Who else sees it

Service providers. Cloudflare hosts the site and delivers it. Google provides analytics. Resend delivers the emails our forms generate. Anthropic processes documents through its API as described above. Each handles data only to provide its service to us.

Advertising platforms. Meta and Google receive the browsing data described under Advertising tags above. Unlike our service providers, they use that data for their own purposes too, under their own privacy policies: Meta and Google.

GAM Payments. If you submit an application for a merchant account, that information goes to GAM Payments for underwriting. That is the only case in which your information goes to a payment processor, and it happens because you asked to open an account with them.

Nobody else. We do not sell your information for money. We do not pass your contact details to other processors, to lead brokers, or to anyone who would market to you. We do not share it with data brokers.

If the law requires it. We will disclose information if a court or regulator requires us to, and we will tell you unless we are legally prevented from doing so.

How long we keep it

Form submissions and audit correspondence: as long as we are in contact, then deleted or anonymized within 12 months of the last contact. Statements sent for audit: 12 months. Dispute files and evidence in the chargeback tool: 24 months after the dispute closes, then deleted. Analytics data: per Google’s retention settings, which we set to the shortest available period.

If you want anything deleted sooner, ask. We will.

Your rights

You can ask us what we hold about you, ask us to correct it, ask us to delete it, or ask us to stop using it for follow-up. Email privacy@feefighters.com and we will respond within 30 days. We will not treat you differently for asking.

Residents of California, Colorado, Connecticut, Virginia, Utah and other states with privacy laws have specific statutory rights to access, correct, delete and port their data and to opt out of the sale or sharing of personal information for targeted advertising. All of those rights are honored through the same email address.

Opting out of advertising tags

We do not sell data for money, but the Meta and Google advertising tags described above count as sharing for targeted advertising under several state laws. To opt out: email privacy@feefighters.com with the subject line “Do not share” and we will confirm within 30 days; turn on Global Privacy Control in your browser, which we honor; or block third-party cookies in your browser, which stops both tags from working. You can also control what Meta and Google do with data they already hold at Meta ad preferences and Google My Ad Center.

Cookies

Our own pages set no cookies. Three third-party tags loaded through Google Tag Manager set their own: Google Analytics (to distinguish one visitor from another across pages), the Meta Pixel and Google Ads remarketing (to recognize your browser later for advertising). If you block them in your browser, the site works exactly the same.

Children

This site is for businesses. We do not knowingly collect information from anyone under 18.

Changes

If this page changes in a way that matters, we will change the date at the top and, if you have an account with us, tell you.

Reaching us

privacy@feefighters.com · (646) 448-8804 · Phase 3 Business Services LLC, Fort Lauderdale,

Florida.