Last updated: February 1, 2026
This Amendment 13 (“Amendment”) supplements and forms an integral part of the CHEEZYSign Terms of Service, Privacy Policy, and Legal Policies. In the event of conflict between this Amendment and other CHEEZYSign policies, this Amendment shall prevail with respect to chargeback protection, transaction authorization evidence, and payment dispute matters.
This Amendment establishes CHEEZYSign’s comprehensive framework for chargeback protection, transaction authorization evidence, and payment dispute defense. It is designed to protect CHEEZYSign, its operators, and its platform users against fraudulent, unauthorized, or bad-faith chargebacks and payment disputes by documenting the robust evidentiary record created by CHEEZYSign’s multi-step signature-and-payment workflow.
CHEEZYSign operates exclusively as a technology platform provider. CHEEZYSign:
All payment processing is performed exclusively and entirely by Stripe, Inc. This includes:
For every payment transaction processed through the CHEEZYSign platform:
CHEEZYSign has no access to, control over, or ability to redirect, withhold, or modify the transaction amount or any portion thereof (other than the 1% platform fee deducted by Stripe on CHEEZYSign’s behalf).
CHEEZYSign employs a multi-step, documented, and cryptographically secured authorization workflow that requires the signer/payer to complete multiple distinct, deliberate, and affirmative actions before any payment is processed. This workflow is specifically designed to prevent unauthorized transactions and create irrefutable evidence of informed consent.
Every payment transaction processed through CHEEZYSign follows this sequential workflow:
Step 1 — Document Delivery and Access
Step 2 — Document Review
Step 3 — Electronic Signature Execution
Step 4 — Payment Authorization
Throughout all four steps, CHEEZYSign maintains continuous session tracking to ensure and document that:
For every transaction, CHEEZYSign generates and retains a comprehensive, tamper-evident audit trail containing:
| Evidence Type | Description |
|---|---|
| Digital Signature Record | Cryptographically secured electronic signature with visual representation |
| Signer IP Address | IP address(es) used for document access, signing, and payment |
| Precise Timestamps | UTC timestamps for every action (access, review, sign, pay) |
| Verified Email | Email address used by the signer, verified through delivery confirmation |
| Device Fingerprint | Browser, operating system, screen resolution, and hardware identifiers |
| Document Integrity Hash | SHA-256 cryptographic hash ensuring document was not altered |
| Session Continuity | Evidence linking all steps to a single, continuous user session |
| Page View Records | Record of every page viewed with timestamps |
| Review Duration | Total time spent reviewing the document |
| Consent Records | Explicit consent confirmations at each stage |
| Payment Authorization | Separate record of payment authorization with amount and timestamp |
| Geolocation Data | Approximate geographic location based on IP address |
All audit trail records are:
The comprehensive evidentiary records collected by CHEEZYSign meet or exceed the evidence requirements for defending against chargebacks under:
CHEEZYSign is completely exempt from and bears no responsibility or liability for chargebacks, payment disputes, payment reversals, or transaction denials of any kind, for the following independently sufficient reasons:
(a) No Custodial Role: CHEEZYSign does not hold, process, custody, or control any customer funds. CHEEZYSign cannot issue refunds, reverse transactions, or modify payment amounts because it has no access to or control over the funds.
(b) No Payment Processing Role: All payment processing is performed exclusively by Stripe, Inc. CHEEZYSign does not process, transmit, or handle payment card data.
(c) Technology Platform Only: CHEEZYSign’s role is limited to providing the technology interface and generating evidentiary records. CHEEZYSign is not a party to the underlying transaction between the platform user and their customer.
(d) Minimal Revenue Exposure: CHEEZYSign’s sole revenue from transactions is a 1% platform fee. CHEEZYSign does not receive or benefit from the transaction amount itself.
(e) Documented Authorization: CHEEZYSign’s multi-step workflow creates documented evidence that the payer:
This level of documented authorization directly contradicts common chargeback reasons including “unauthorized transaction,” “not recognized,” “did not authorize,” and “fraud.”
The platform user (account holder who sends documents and collects payments) is solely and entirely responsible for:
CHEEZYSign will cooperate with platform users in defending against chargebacks by:
However, CHEEZYSign’s cooperation is provided on an as-available basis and does not constitute a guarantee of chargeback reversal or a duty to defend.
You agree to fully indemnify, defend, and hold harmless CHEEZYSign and its owners, operators, officers, directors, employees, and agents from and against any and all losses, damages, costs, expenses, fees, penalties, fines, and liabilities (including reasonable attorneys’ fees) arising from or related to:
By executing an electronic signature and/or authorizing a payment through CHEEZYSign, every signer and payer expressly acknowledges and agrees that:
(a) They received the document or proposal and had full opportunity to review its contents before signing
(b) They executed the electronic signature voluntarily, without coercion, duress, or undue influence
(c) They understood the payment amount and terms before authorizing payment
(d) Their payment authorization was a separate, deliberate, and informed act following their signature
(e) The combination of their electronic signature and payment authorization constitutes conclusive evidence of an authorized transaction
(f) They waive the right to initiate a chargeback or payment dispute on the basis that:
(g) CHEEZYSign’s audit trail records, including IP addresses, timestamps, signatures, and consent records, are accurate, reliable, and admissible as evidence of their authorization
(h) Initiating a chargeback after completing CHEEZYSign’s multi-step authorization workflow, absent legitimate grounds such as genuine identity theft or card compromise, may constitute fraud and may result in:
Nothing in this Amendment is intended to waive or limit any signer’s or payer’s rights under applicable law to dispute genuinely unauthorized transactions (e.g., stolen card fraud, identity theft). This Amendment specifically addresses situations where the signer/payer personally completed CHEEZYSign’s multi-step workflow and subsequently files a chargeback or dispute.
All transaction records, audit trails, evidentiary data, signature records, IP logs, timestamps, consent records, and related data are retained for a minimum of seven (7) years from the date of the transaction, or longer if:
Transaction records and evidentiary data are retained for the full retention period even after the account holder’s account is terminated, deleted, or otherwise closed. This is necessary to protect against chargebacks and disputes that may arise long after the transaction date.
Requests by account holders or signers to delete transaction records or audit trail data may be declined where retention is necessary for:
CHEEZYSign and its platform users reserve the right to pursue all available legal remedies against any party who:
CHEEZYSign will cooperate with law enforcement agencies and regulatory authorities investigating fraudulent chargebacks, payment fraud, or related criminal activity, including by providing relevant audit trail records and evidentiary data.
CHEEZYSign may report suspected fraudulent chargebacks to:
If any provision of this Amendment is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Any invalid provision shall be modified to the minimum extent necessary to make it valid while preserving its original intent.
CHEEZYSign Email: [email protected]
Last updated: February 1, 2026
This Legal Policies page supplements the CHEEZYSign Privacy Policy and Terms of Service and governs the use of cookies, refunds, acceptable use, data processing, and electronic signature disclosures for all users of the CHEEZYSign platform. In the event of conflict between this page and the Terms of Service, the provision providing greater protection to CHEEZYSign shall prevail.
This Cookie Policy explains how CHEEZYSign (“we”, “us”, or “our”) uses cookies and similar technologies when you visit https://cheezysign.com or use our Services.
Cookies are small text files placed on your device by websites you visit. They help websites function properly, improve performance, enhance security, personalize content, analyze usage, and support transaction verification and audit trail generation.
For users located in the European Economic Area (EEA), cookies are used based on:
You can manage or disable certain cookies through your browser settings. However, disabling strictly necessary cookies or transaction verification cookies may:
We may allow third-party service providers such as analytics platforms, infrastructure vendors, and Stripe to place cookies on our site. Their use of cookies is governed by their respective privacy policies.
CHEEZYSign operates as a subscription-based SaaS platform and processes all payments via Stripe Billing.
All subscription fees are charged in advance on a recurring basis according to your selected plan.
Unless otherwise mandated by applicable mandatory consumer protection law that cannot be contractually waived, all subscription fees, transaction fees, platform fees, usage fees, service charges, and any other amounts paid to CHEEZYSign are strictly non-refundable. This includes, without limitation:
Free plans or trials are provided “as is” without warranty, service level commitment, or refund entitlement of any kind.
If you initiate a chargeback, payment dispute, or payment reversal against CHEEZYSign for subscription fees or platform fees, we reserve the right to:
For chargebacks initiated by end customers against platform users for transactions facilitated through CHEEZYSign, please refer to Amendment 13 for comprehensive chargeback protection terms, evidentiary framework, and liability allocation.
You are solely responsible for all applicable taxes, duties, VAT, sales tax, GST, governmental charges, and regulatory fees associated with your subscription, transactions, and use of the Service. CHEEZYSign is not responsible for determining, calculating, collecting, or remitting any taxes on your behalf.
You agree not to use the CHEEZYSign Service to:
CHEEZYSign reserves the right to immediately suspend or terminate accounts that violate this Acceptable Use Policy, with or without prior notice, and to cooperate with law enforcement where required or advisable. Violations may result in permanent ban, forfeiture of fees, and legal action.
This Data Processing Agreement (“DPA”) applies to the extent CHEEZYSign processes Personal Data on behalf of users (“Controllers”) as a “Processor” under applicable data protection laws including the GDPR, UK GDPR, CCPA/CPRA, and similar regulations.
CHEEZYSign processes Personal Data only as necessary to provide electronic signature services, document management, audit trail generation, transaction verification, authentication, chargeback defense, fraud prevention, and related platform functionality.
CHEEZYSign processes Personal Data only in accordance with your documented instructions, these Terms, and applicable law. CHEEZYSign will inform you if, in its opinion, a processing instruction violates applicable data protection law.
CHEEZYSign ensures that all persons authorized to process Personal Data are subject to appropriate confidentiality obligations, whether by contract or statutory duty.
CHEEZYSign implements appropriate technical and organizational security measures including:
You provide general authorization for CHEEZYSign to engage subprocessors including cloud infrastructure providers, analytics services, email delivery services, and Stripe for payment processing. A current list of subprocessors is available upon written request. CHEEZYSign will notify you of material changes to subprocessors and will ensure that subprocessors are bound by data processing obligations no less protective than those in this DPA.
Where Personal Data is transferred outside of the EEA, UK, or other jurisdictions requiring transfer safeguards, CHEEZYSign uses appropriate mechanisms such as standard contractual clauses (SCCs), adequacy decisions, or equivalent safeguards as required by applicable law.
CHEEZYSign will assist you, where legally required and at your cost, in responding to data subject rights requests, taking into account the nature of the processing and CHEEZYSign’s technical capabilities.
CHEEZYSign will notify you without undue delay (and in any event within 72 hours where required by law) upon becoming aware of a Personal Data Breach affecting your data. Notification will include, to the extent known, the nature of the breach, categories and approximate number of data subjects affected, likely consequences, and measures taken or proposed.
Upon termination of the Service, CHEEZYSign will delete or return Personal Data at your request, subject to:
CHEEZYSign will make available reasonable information necessary to demonstrate compliance with this DPA, subject to confidentiality restrictions, security requirements, and the protection of other customers’ data. Audits may be conducted by a mutually agreed independent auditor at your cost.
Liability under this DPA is subject to the limitations of liability set forth in the Terms of Service. CHEEZYSign’s total aggregate liability under this DPA shall not exceed the amounts set forth in the Limitation of Liability clause of the Terms of Service.
This Electronic Signature Disclosure applies to all users of CHEEZYSign and governs your use of electronic signatures and electronic records through the Service.
By using CHEEZYSign, you affirmatively consent to:
Electronic signatures executed through CHEEZYSign are intended to comply with the U.S. Electronic Signatures in Global and National Commerce Act (“ESIGN Act”), the Uniform Electronic Transactions Act (“UETA”), the EU Electronic Identification and Trust Services Regulation (“eIDAS”), and similar international frameworks.
However, CHEEZYSign does not guarantee, represent, or warrant that any electronic signature, document, or record will be:
Certain documents may not be eligible for electronic signatures under applicable law, including but not limited to:
You are solely and entirely responsible for:
CHEEZYSign generates comprehensive audit trails including timestamps, IP addresses, signer identifiers, device fingerprints, consent records, and cryptographic integrity hashes to support document integrity, authenticity, and non-repudiation. These records are provided for informational, evidentiary, and dispute protection purposes. CHEEZYSign does not certify or guarantee the admissibility or evidentiary weight of audit trail records in any legal proceeding.
Unless expressly stated or separately contracted, CHEEZYSign does not independently verify signer identities through government-issued identification or biometric authentication. CHEEZYSign does not guarantee the true identity, legal authority, mental capacity, or genuine intent of any signer.
CHEEZYSign’s standard identity verification measures include:
Enhanced identity verification (e.g., government ID verification, knowledge-based authentication, biometric verification) may be available as an optional feature or through third-party integrations.
You are solely responsible for retaining copies of executed documents, audit trails, and transaction records as required by applicable law, regulation, or contractual obligation. While CHEEZYSign retains transaction records as described in its data retention policies, CHEEZYSign is not a records custodian and does not guarantee perpetual availability of records.
CHEEZYSign does not provide legal advice, legal opinions, or legal services of any kind. Nothing in the Service, documentation, or communications should be construed as legal advice. You should consult qualified legal counsel in your jurisdiction regarding electronic signature enforceability, compliance, and legal requirements.
By using the Service, you consent to the use of CHEEZYSign’s electronic records, audit trails, and transaction data as evidence in any legal proceeding, arbitration, mediation, chargeback dispute, or other dispute resolution process. You agree not to challenge the admissibility or reliability of such records solely on the basis that they are in electronic form.
All provisions of this Legal Policies page are subject to the Limitation of Liability and Disclaimer of Warranties provisions set forth in the Terms of Service. CHEEZYSign’s total aggregate liability under these Legal Policies shall not exceed the amounts set forth in the Terms of Service.
CHEEZYSign Email: [email protected]