Last updated: May 7, 2026
Welcome to WhatIsThisCharge.net. By accessing or using our website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.
1. Service Description
WhatIsThisCharge.net is a free, AI-powered tool that helps users identify unknown charges on their bank statements. Our service includes a charge decoder, scam detector, dispute letter generator, and educational content about bank charges and consumer rights.
Our service is provided free of charge. No account creation is required to use the basic features.
2. Informational Purpose Only
The information provided by WhatIsThisCharge.net is for informational and educational purposes only. It is not intended as, and does not constitute, financial advice, legal advice, tax advice, or professional advice of any kind.
You should always verify any charge information with your bank or financial institution directly. We are not responsible for any decisions you make based on information provided by our service.
3. No Affiliation with Banks or Merchants
WhatIsThisCharge.net is an independent service and is not affiliated with, endorsed by, or sponsored by any bank, financial institution, payment processor, or merchant mentioned on our website. Company names, logos, and trademarks are the property of their respective owners and are used for identification purposes only.
4. Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, completeness, reliability, suitability, or availability of any information on the website. The information may be outdated, incorrect, or incomplete. Use of this information is at your own risk.
Charge descriptors, company information, support phone numbers, and cancellation URLs may change without notice. Always verify directly with the merchant before taking action.
5. User Responsibilities
When using our service, you agree to:
- Use the service only for lawful purposes
- Not submit false, misleading, or fraudulent information
- Not attempt to disrupt, hack, or reverse-engineer the service
- Not use automated tools to scrape, copy, or extract data from our website
- Not use the service to harm, defame, or harass others
- Not violate any applicable laws or regulations
- Not impersonate another person or entity
6. User-Submitted Content
When you submit comments, charge reports, or other content to our website, you grant us a worldwide, royalty-free, perpetual license to use, display, modify, and distribute that content in connection with our service.
You represent that your submissions are accurate, do not infringe on any third-party rights, and do not contain confidential or sensitive personal information of yourself or others.
7. Dispute Letter Generator Disclaimer
Our Charge Assistant tool generates draft dispute letters based on the information you provide. These letters are templates only and do not constitute legal advice. You should review each letter carefully before sending it to your bank or any third party.
We do not represent you, your bank, or any merchant in any dispute. The success of any dispute depends on your individual circumstances and the policies of your bank or card issuer.
8. Scam Detector Disclaimer
Our Scam Detector tool uses AI to assess whether content may be a scam. While we strive for accuracy, the tool is not 100% accurate. A safe verdict does not guarantee the content is legitimate, and a suspicious verdict does not guarantee it is fraudulent. Always exercise your own judgment and verify with official sources.
9. Limitation of Liability
To the fullest extent permitted by law, WhatIsThisCharge.net, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the service, including but not limited to:
- Financial losses from disputes, refund denials, or fraudulent charges
- Inability to access or use the service
- Errors, inaccuracies, or omissions in any content
- Unauthorized access to your data
- Decisions made based on information provided by the service
The service is provided as is and as available without warranties of any kind, either express or implied.
10. Indemnification
You agree to indemnify and hold harmless WhatIsThisCharge.net, its operators, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from your use of the service or your violation of these Terms.
11. Intellectual Property
All content on WhatIsThisCharge.net — including text, graphics, logos, images, and software — is the property of WhatIsThisCharge.net or its content suppliers and is protected by copyright laws. You may not reproduce, distribute, or create derivative works without our written permission, except for personal non-commercial use.
Charge descriptors and company information are factual data not subject to copyright. Company logos are used for identification purposes under fair use principles.
12. Third-Party Links
Our website may contain links to third-party websites (such as merchant cancellation pages or company websites). We are not responsible for the content, privacy practices, or accuracy of these external sites. Use them at your own risk.
13. Advertising
We display advertisements through Google AdSense and other ad networks. We do not endorse the products or services advertised. Any transactions you complete with advertisers are solely between you and the advertiser. We are not responsible for any losses or damages resulting from your interaction with advertisers.
14. Service Availability
We do not guarantee that the service will be available at all times or free from errors. We may modify, suspend, or discontinue the service at any time without notice. We are not liable for any losses caused by service interruptions.
15. Changes to These Terms
We may update these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the service after changes constitutes acceptance of the new terms.
16. Governing Law
These Terms are governed by the laws of the jurisdiction in which WhatIsThisCharge.net is operated, without regard to conflict of law principles. Any disputes shall be resolved through good-faith negotiation, mediation, or in the appropriate courts of that jurisdiction.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
18. Contact Us
For questions about these Terms of Service, please contact us through our contact page.