Draft. Needs a lawyer's review before use. Nothing on this page is in force yet. The price is a proposal and can change before it is published. Items marked TO FILL IN need an answer. Items marked TO CONFIRM are believed true but not yet checked.

Terms of service

Version 2026-11-03-draft

The rule in one sentence

Dunly counts a recovery when your customer saves a card or confirms the payment on Dunly's page, or a Dunly retry succeeds. Stripe's retries of the old card never count.

Dunly's fee is a platform fee of 20% of the amount of each Dunly recovery. We bill it to you monthly, on top of what Stripe charges you. Dunly doesn't take it through Stripe, and there is no other fee. The rules are in "How Dunly bills" below.

Who these terms are between

These terms are between Dunly and the business that uses it ("you"). Dunly is run by TO FILL IN (legal name, address, company number, VAT number).

Businesses only. Dunly is for businesses and sole traders acting in the course of their trade. It is not for consumers. By accepting these terms you confirm that you are using Dunly for your business.

Accepting these terms

If you accept for a company, you confirm that you have the authority to bind it. These terms then apply to the company, not to you personally. If you are a sole trader, they apply to you.

You accept these terms when you press Start recovering. (TO CONFIRM: how you accept.) Dunly records who pressed it, when, and the version of these terms in force.

These terms also apply from when you connect a Stripe account, as Dunly reads that account from then on. (TO CONFIRM.)

What Dunly does

Dunly helps you recover failed Stripe payments.

• Loss report. When you connect Stripe, Dunly reads your last 90 days of invoices, and shows you what failed subscription renewals cost you. A first connection starts with recovery off. Until you press Start recovering, Dunly emails none of your customers and changes nothing in Stripe. If you reconnect an account that has already started, recovery resumes without pressing it again (see "What happens when these terms end").
• Recovery. After you press Start recovering, Dunly opens a case for each failed invoice and emails your customer, in your name, a link to a payment page. Your customer can save a new card or confirm the payment with their bank there.
• Retries. By default Stripe keeps retrying the card. If you choose Dunly retries in Settings, Dunly retries on its own schedule instead.
• Reports. The dashboard shows each case's timeline, what was recovered and by whom, and your statements.

Once started, recovery covers every failed invoice payment, not only renewals, and runs until you disconnect Stripe or delete your organization. Dunly has no setting that pauses it.

Payments go through your own Stripe account, to you. Dunly never holds your money.

Your Stripe account: what Dunly does, and your authority

You connect your Stripe account through Stripe Connect, on Stripe's own screens. Stripe offers only full read and write access for this kind of connection, so Dunly asks for it. Dunly uses that access only as this section says. It holds no Stripe password or access token of yours. It acts with its own platform key.

What Dunly reads, from the time you connect. Invoices, invoice payments, subscriptions, customers, charges, payment intents and SetupIntents; a card's brand and last four digits; your account's business name, support email, colour and logo. Stripe also sends Dunly events about your account: invoice events, subscription cancellations, customer updates, refunds, disputes, and your disconnecting.

What Dunly does on your account, after you press Start recovering.

• Creates a SetupIntent, so that your customer can save a new card in Stripe's form.
• Makes a card your customer saves on Dunly's page the default card for that customer, and for the subscription on that invoice.
• Pays the one open invoice with that card. Dunly does the same straight away when your customer changes their card outside Dunly.
• Retries failed invoices on its schedule, only if you choose Dunly retries.
• If you choose Dunly retries, pauses Stripe's own retries on the invoices Dunly takes over, and hands each invoice back to Stripe if its case closes unpaid or you disconnect.

What Dunly never does on your account. It never changes prices, plans or subscription items, refunds anyone, or charges anything beyond the failed invoice. It never sees or stores card numbers. Stripe handles card details.

Your authority. You authorise Dunly to do all of the above on your Stripe account, and to access and use your account's data as these terms and the data processing agreement say. You also authorise Dunly to share your account's data with Stripe as needed for this. You must give all the notices, and get all the rights and consents, needed for Stripe to process your account's data as you instruct it to, including through Dunly.

Your agreement with Stripe. Your Stripe account stays under your own agreement with Stripe, and these terms don't change it. Stripe isn't a party to these terms. You stay responsible for your use of Stripe.

You can withdraw this at any time. Disconnect in Dunly's dashboard or in Stripe. Dunly then stops acting on your account. See "Ending these terms".

Accounts and teammates

• You sign in with a one-time code sent to your email address. Keep your inbox, your codes and your signed-in devices safe.
• Each person needs their own account, with an email address that is really theirs.
• An organization has owners and members. Owners can invite and remove people, change who is an owner, start recovery, change settings, disconnect Stripe and delete the organization. Only give these roles to people you trust. Members can see the organization's data, including your customers' names and emails.
• You answer for what the people you let in do in your organization. When you invite someone, you must have a good reason to give us their address.
• To change the email address on an account, write to hello@trydunly.com. The dashboard can't do this yet.

Acceptable use

You must not use Dunly:

• to do anything unlawful, or to send anything deceptive, abusive or unwanted;
• to chase amounts your customers don't owe you, or for anything other than recovering failed payments on your own Stripe account;
• to pretend to be someone else, in the sender name, support address, logo or domain;
• to send marketing, or anything other than Dunly's recovery emails, to your customers.

You must also not:

• probe, overload or break Dunly's security or limits, or try to reach data that isn't yours;
• copy or resell the service, or reverse engineer it, except where the law lets you;
• share an account, or sign in and connect Stripe again to get round a suspension, or let anyone else do that.

Stripe's terms require us to tell it about illegal, fraudulent, deceptive or harmful activity on a connected account and to cooperate on fraud. If we see such activity, we tell Stripe.

Your responsibilities

• Your customers' data. You are the controller. You must have a lawful basis to contact your customers about failed payments, and tell them about it in your privacy notice, naming Dunly as your processor. That includes following the data protection, email and consumer rules that apply to you and them.
• Your terms with your customers. They must allow what you authorise here: reminders about failed payments, saving a new card and charging it for the open invoice and future renewals.
• Accurate branding. The name, logo and colour you use must be yours to use, and must truly say who you are.
• A support address. Give an address you read, so your customers can reach you. Dunly puts it in the emails and on the payment page. With none set, Dunly uses the sign-in email of the owner who connected Stripe, or else the earliest owner.
• Stripe's emails. Turn off Stripe's own failed-payment emails, or your customers get two sets. Dunly can't do this for you. It links you to the setting and asks you to confirm, but it can't check, and recovery doesn't wait for it.
• Your sending domain. A custom sending domain is optional. Only add a domain you control, and keep its DNS records in place. If it stops working, Dunly sends from its own address instead.
• Accurate details. Keep your billing details correct. Dunly relies on what your Stripe account holds about your customers and invoices.
• Refunds after you leave. After you disconnect, tell us about any refund or dispute on a recovered payment.

How Dunly bills

What counts as a Dunly recovery

When an invoice payment fails, Dunly opens a case for that invoice and emails your customer a link to Dunly's payment page. The invoice counts as a Dunly recovery (the dashboard shows it as Recovered by Dunly) when it is paid in one of these ways:

1. New card on Dunly's page. Your customer saves a card on Dunly's payment page, and the invoice is paid with that same card within 7 days after it was saved. It counts whoever makes the charge (Dunly at once, or a later Stripe retry of the new card), and even if the case had already closed as lost.
2. Bank confirmation on Dunly's page. Your customer confirms the payment with their bank (3D Secure) on Dunly's page, and the invoice is paid with that card within 1 hour.
3. Dunly's retry. You let Dunly retry the card, and a retry Dunly makes on its schedule succeeds. It counts whichever card is on file when Dunly charges, including one your customer changed outside Dunly.

What does not count

• Stripe's own retries of the card that failed. The dashboard shows these as Recovered by Stripe. While Stripe handles your retries, it also puts there any other payment Stripe records on the invoice (a payment on Stripe's invoice page, a bank transfer, an invoice you mark as paid), and any payment on a case left to Stripe alone.
• Payments made any other way. The dashboard shows these as Paid another way: a card changed outside Dunly (in Stripe or in your own app), a payment after the deadline, and any payment Dunly can't trace to a card update or a retry.
• The charge Dunly makes straight away when your customer changes their card outside Dunly (in Stripe's customer portal or in your own app). Dunly tries the new card at once so the invoice does not wait, but that payment does not count.
• Clicks on the link and visits to the page on their own. Email security scanners open links automatically, so Dunly shows clicks and visits on the case page as evidence but never bills for them.
• Cases left to Stripe alone, the holdout group (see below). They never count, whatever happens to them.
• Anything while recovery is off. A first connection starts with recovery off (you see the loss report only) until you press Start recovering. Recovery isn't off again after a disconnect and a reconnect: see "What happens when these terms end".

When these rules meet, the charge decides: a scheduled Dunly retry counts whichever card is on file, and the immediate charge after a card change outside Dunly never counts.

Each invoice counts once at most, however many times your customer updates their card.

Holdout group: left to Stripe alone

By default 10% of new failed payments (you can choose 0%, 5%, 10%, 20% or 50%) are picked at random and left to Stripe alone, so you can see Dunly's real effect. Dunly sends those customers no emails and does nothing else on those invoices. They are never billed, whatever happens to them, even if the customer pays. You can set the share to 0% in Settings.

Price (draft)

• 20% of the amount of each Dunly recovery. The amount is the invoice's amount due, as Stripe reported it when the payment failed.
• No minimum. A month with no Dunly recoveries costs nothing, and so does any time with recovery off.
• Billing month. A recovery is billed in the calendar month (UTC) in which the invoice was paid, or on the next bill if it is recorded later.
• Invoices. We invoice monthly, and an invoice is due in 14 days. (TO CONFIRM with the lawyer and accountant: payment terms.) Prices exclude VAT, which is added where it applies. (TO CONFIRM with the accountant: VAT.) The statement you see in the dashboard is not a tax invoice; the invoice follows it.
• Currency. Your statement shows what is due in each currency of your recoveries. The invoice is in euros: amounts in other currencies are converted at the European Central Bank's reference rate on the invoice date.
• Refunds and disputes. If you refund a recovered payment, or your customer opens a dispute or inquiry on it (a chargeback), within 60 days of the payment, the fee for it is credited. A partial refund credits the fee in proportion: refund a quarter of the payment and a quarter of the fee is credited. A refund or dispute after day 60 is not credited. A dispute that you later win is not charged back to you. After you disconnect, Dunly can't see refunds or disputes, so tell us about one at hello@trydunly.com for the credit.
• Credits. A credit stays in the currency of the payment and waits for a statement in that currency. If it is never used we do not pay it out, unless you ask us to.

How you can check it

Stripe's records and Dunly's case log are the source of truth. Dunly also keeps a billing record of each recovery and each credit, which outlives deletion of your data: once the case log is gone, the billing records are the source of truth. For every case, the dashboard shows a timeline (emails sent, link opened, page viewed, card saved, retries, paid), who Dunly says recovered it, and a link to the invoice in Stripe.

If you think a bill is wrong, tell us within 30 days of receiving it at hello@trydunly.com, naming the invoices. We check them against Stripe and the case log and correct the bill if we got it wrong.

Late payment and taxes

Late payment. If an invoice isn't paid when due, we can claim the interest and the compensation for recovery costs that the law gives us, without a reminder. For business customers in the EU, that includes statutory interest and the minimum compensation under the Late Payment Directive (2011/7/EU). Nothing in these terms waives them.

If you dispute part of a bill, tell us as "How you can check it" says, and pay the part you don't dispute on time.

Taxes. Prices exclude VAT, which is added where it applies. (TO CONFIRM with the accountant: VAT, including reverse charge for business customers in other countries.) Give us a valid VAT number if you have one. Any other tax the law makes you pay or withhold on your side is yours. (TO CONFIRM with the accountant.)

Suspension

We can suspend your use of Dunly if:

• an invoice is overdue and stays unpaid 14 days after we remind you (TO CONFIRM with the lawyer: the period);
• there is a security risk to Dunly, to you or to your customers;
• you break "Acceptable use", or the way you use Dunly is unlawful;
• Stripe, a court or an authority requires it.

We tell you first by email where we can, and say why. We end the suspension once the reason has gone, and you can then connect Stripe again.

Dunly has no pause and no suspended state, so we suspend by hand: we disconnect your Stripe connection. That has the effects in "What happens when these terms end". Your customers can still pay you through Stripe. Nothing technical stops you signing in and connecting again, but you must not while you are suspended. If you do, we can disconnect you again and end these terms. What you owed before stays due.

Ending these terms

There is no minimum term and no fee to leave.

You can end these terms at any time, at once. Disconnect Stripe in Dunly's dashboard or in Stripe, or delete your organization. If you'd rather give notice, write to hello@trydunly.com and name the end date. You never need to give more than 2 months' notice.

Moving to another service. If you give notice because you are moving to another provider or to your own systems, you can ask for a transition of up to 30 days after the notice ends. These terms stay in force during it, Dunly keeps working as before, fees still apply, and we give you reasonable help. You disconnect at the end of it, or we do. If we can't do this in 30 days, we tell you why within 14 working days and propose another period. (TO CONFIRM with the lawyer.)

Getting your data. You have at least 30 days after these terms end, and after any transition, to ask for a copy of your data. The dashboard has no export, so write to hello@trydunly.com, and we send it by hand in a common machine-readable format such as CSV or JSON. It covers your cases and their logs, your loss report, your bounce and complaint list, your settings and your statements. It doesn't cover Dunly's software, or copies of Stripe events, which Dunly doesn't keep after processing them. We charge no fee to switch or for the copy. Your statements can also be downloaded as CSV from the Billing page.

If you delete your organization, you are choosing erasure instead. Its data is erased 7 days later. If you are its only member and you delete your account, it is erased at once. Ask for a copy before you do either.

We can end these terms by telling you by email at least 30 days before. We can end them sooner if you seriously break them, if you leave an invoice unpaid after a suspension, or if Stripe, a court or an authority requires it. We then disconnect your Stripe connection by hand. Dunly has no way to stop a particular person, or an invited one, signing up or connecting again, so these terms are what forbids it. Once your 30 days to get your data have passed, we can also erase your organization by hand. The rest of this section applies either way.

What happens when these terms end

• Open cases. They are cancelled, and their emails stop. Payment links already sent stop working.
• Invoices. Dunly hands the invoices it took over back to Stripe's retries while it still can. If you disconnect from Stripe's side, it can't, so check those invoices in Stripe.
• Final bill. Any recovery or credit not yet billed goes on the next monthly statement, and we invoice it as usual, even after your organization is erased. What you owe stays due. A credit that is left over is not paid out unless you ask us to.
• Refunds and disputes. The 60-day rule keeps running, but Dunly can't see them after you disconnect, so tell us at hello@trydunly.com.
• Your data. After a disconnect, your cases and their logs, your loss report, your suppression list and the connection are kept in case you reconnect, then erased automatically within 12 months. If you ask in writing, we delete them within 30 days. Deleted data stays in backups until they rotate out. Reconnecting before then stops the erasure.
• If you reconnect. Connecting the same Stripe account to the same organization resumes recovery, without pressing Start recovering again. Your cases stay as they are, but a further failed payment on an invoice whose case was cancelled reopens that case, and its emails and any Dunly retries start again from the start. A case left to Stripe alone stays that way. New failed payments open new cases. These terms apply again. Once the connection has been erased, a new one starts with recovery off.
• Billing records. These stay, as Dunly's own, for as long as tax and accounting law requires. See the privacy policy.
• What lasts. Fees owed, confidentiality, liability, and governing law and courts carry on after the end.

Your customers' data, and ours

Dunly handles your customers' data on your behalf. The data processing agreement is at trydunly.com/dpa and the list of companies Dunly uses to run the service is at trydunly.com/subprocessors. The agreement is part of these terms. Where it conflicts with these terms, its standard contractual clauses win.

Dunly uses your customers' data only to run the service for you, and to work out its fee. It doesn't use that data for its own marketing or benchmarks.

Some data is Dunly's own, as controller: your team's accounts and sign-ins, your billing details and the billing records. The privacy policy covers those. It is information for the people concerned, not part of this contract.

Intellectual property

Dunly and its software, design and know-how stay ours. While these terms last, you can use the service for your business.

Your data, your customers' data and your brand stay yours. You let us use them only as needed to run the service, including showing your name and logo in your recovery emails and on your payment page.

If you send us ideas or feedback, we can use them without paying you or owing you anything.

Confidentiality

Each side keeps the other's non-public information confidential, uses it only for these terms, and shares it only with the people and providers who need it and are bound to protect it. This doesn't cover information that is public, that a side already had or got lawfully from elsewhere, or that the law requires it to disclose. This lasts after these terms end.

Warranties

We provide Dunly with reasonable skill and care.

We don't promise any recovery amount or rate. The loss report shows what happened in your Stripe data, not what you will get back. Some customers won't pay, and by default some failed payments are left to Stripe alone (see "Holdout group"). You pay only for what counts as a Dunly recovery.

We don't promise that Dunly will always be available or free of faults, or any particular uptime. It depends on Stripe, email providers and hosting. So far as the law allows, we give no other warranties.

Each side confirms it has the right to enter into these terms.

Liability

Nothing in these terms limits or excludes liability for intent or gross negligence, for death or personal injury, or for anything else that the law says can't be limited or excluded. Nor do they limit anyone's rights under the data processing agreement's standard contractual clauses, or the rights of the people whose data it is.

Apart from that, Dunly's total liability to you, for all claims arising in any way from these terms, is limited to the fees you paid Dunly in the 12 months before the event that gave rise to the claim. (TO CONFIRM with the lawyer: the cap.)

This doesn't limit your duty to pay what you owe.

Force majeure

Neither side answers for a delay or failure caused by something beyond its reasonable control. That includes failures of Stripe, email providers, hosting or networks, and acts of authorities. This doesn't excuse paying what is owed.

Changes

We tell you by email at least 30 days before these terms or the price change. The new terms apply to recoveries from the date they take effect.

If you don't agree, you can disconnect before then, at no cost. Recoveries already counted stay under the terms in force when they were recorded. Each billing record notes that version.

Notices

We send notices by email to your organization's owners, at their sign-in addresses. For invoices we use your billing email. We count an email as received the next working day, unless it bounced. (TO CONFIRM with the lawyer.)

You send notices to hello@trydunly.com. Postal address for legal notices: TO FILL IN.

Assignment

You can't transfer these terms without our written consent. We can transfer them to a company that takes over Dunly or to a company in our group, and we tell you by email if we do.

Entire agreement

These terms and the data processing agreement, with its list of sub-processors, are the whole agreement between us about Dunly. They replace anything said before. If part of them turns out to be invalid, the rest stands. If a side doesn't enforce a right, it hasn't given it up. Nobody else gets rights under these terms. The English text is the one that counts. (TO CONFIRM with the lawyer: language.)

Governing law and courts

These terms are governed by the law of TO FILL IN. The courts of TO FILL IN decide any dispute. This doesn't take away any rule the law says can't be contracted out of.