Effective date: 22nd February 2026
1.1 Agreement. These Platform Terms and Conditions (“Terms”) govern access to and use of the SKRAGGLE platform, including all related software, APIs, dashboards, tracking technologies, analytics tools, artificial intelligence features, payment orchestration functionality, and associated services (collectively, the “Platform” or “Services”).
1.2 Binding Acceptance. By registering an account, accessing, or using the Platform, Customer agrees to be bound by these Terms. If the individual accepting these Terms does so on behalf of a company or other legal entity, such individual represents and warrants that they have full authority to bind that entity to these Terms.
1.3 Business Use Only. The Platform is offered strictly for business and professional use. It is not intended for consumer or personal use. Customer represents and warrants that it is accessing and using the Platform solely in connection with its trade, business, or professional activities.
1.4 Updates to Terms. SKRAGGLE may modify these Terms from time to time. Updated Terms will be posted on the Platform or otherwise made available electronically. Continued use of the Platform following the effective date of updated Terms constitutes acceptance of the revised Terms.
For purposes of these Terms:
2.1 “SKRAGGLE” means the applicable contracting entity as specified in Section 3.
2.2 “Customer” means the legal entity that registers for or uses the Platform.
2.3 “Customer Data” means any data, information, or content submitted to, transmitted through, collected via, or processed using the Platform by or on behalf of Customer, including personal data relating to Customer’s end users.
2.4 “End Users” means individuals or entities whose data is collected, processed, or analyzed by Customer using the Platform.
2.5 “Tracking Code” means any script, pixel, server-side integration, API, or code snippet provided by SKRAGGLE for installation on Customer’s website, application, or systems for the purpose of collecting behavioral, transactional, or event-based data.
2.6 “AI Features” means any artificial intelligence, machine learning, predictive analytics, automated segmentation, profiling, or similar functionality made available through the Platform.
2.7 “AI Output” means any insights, predictions, recommendations, classifications, or analytics generated by AI Features.
2.8 “Payment Orchestration Services” means functionality that routes payment-related data or transactions to third-party payment service providers for processing.
2.9 “Payment Providers” means independent third-party payment processors, gateways, or financial service providers integrated with or accessible through the Platform.
2.10 “Third-Party Services” means any third-party software, infrastructure, APIs, analytics tools, messaging platforms, or payment providers integrated with or accessible via the Platform.
2.11 “Applicable Laws” means all laws, regulations, rules, and industry standards applicable to Customer’s use of the Platform, including Data Protection Laws, payment network rules, marketing laws, and sanctions laws.
2.12 “Data Protection Laws” means all applicable laws governing the processing of personal data, including without limitation the EU General Data Protection Regulation (GDPR), UK GDPR, and applicable U.S. state privacy laws including the California Consumer Privacy Act as amended.
3.1 EU and UK Customers. If Customer is established in the European Union or United Kingdom, the contracting entity is SKRAGGLE’s Irish parent entity.
3.2 United States and Other Regions. If Customer is established in the United States or outside the EU and UK, the contracting entity is SKRAGGLE’s Delaware entity.
3.3 Intra-Group Assignment. SKRAGGLE may assign or transfer these Terms within its corporate group without Customer’s consent.
3.4 Global Access. The Platform may be accessible globally; however, Customer is solely responsible for ensuring that its use complies with Applicable Laws in its jurisdiction.
3.5 Export Controls and Sanctions. Customer represents and warrants that it is not located in, organized under the laws of, or subject to sanctions in any restricted jurisdiction and will not use the Platform in violation of export control or sanctions laws.
4.1 Eligibility. To use the Platform, Customer must be a duly organized legal entity acting for business purposes.
4.2 Account Registration. Customer must provide accurate, current, and complete information during registration and keep such information updated.
4.3 Account Security. Customer is responsible for maintaining the confidentiality of login credentials and for all activities occurring under its account. SKRAGGLE is not liable for unauthorized access resulting from Customer’s failure to secure credentials.
4.4 Authority of Users. Customer may authorize employees, contractors, or agents to access the Platform under its account. Customer remains fully responsible for all acts and omissions of such users.
4.5 Right to Refuse or Suspend. SKRAGGLE reserves the right to refuse registration or suspend access to the Platform at its discretion where necessary to protect the Platform, comply with Applicable Laws, or mitigate security or fraud risks.
5.1 Customer Data Platform and Marketing Automation. The Platform enables Customer to collect, centralize, segment, and activate Customer Data for marketing automation, customer engagement, analytics, and campaign management purposes.
5.2 First-Party Tracking Technology. The Platform provides Tracking Code and server-side data collection mechanisms that may be installed or configured by Customer to collect behavioral, transactional, and event-level data from Customer’s digital properties.
5.3 AI and Data Analysis Features. The Platform may provide AI Features that generate AI Output for purposes such as predictive analytics, segmentation, scoring, recommendations, and automated insights.
5.4 Payment Orchestration Layer. The Platform may provide Payment Orchestration Services enabling routing of payment-related data or transaction requests to Payment Providers selected by Customer.
5.5 Third-Party Integrations. The Platform may integrate with or allow connectivity to Third-Party Services including payment gateways, messaging tools, analytics providers, CRM systems, and advertising platforms.
5.6 Service Evolution. SKRAGGLE may modify, enhance, replace, or discontinue features of the Platform at any time. SKRAGGLE does not guarantee the continued availability of any specific feature or integration.
5.7 No Financial Services. SKRAGGLE does not provide financial services, payment processing, banking services, or merchant acquiring services.
6.1 Lawful Use. Customer shall use the Platform solely in compliance with Applicable Laws.
6.2 Data Legality. Customer is solely responsible for determining what data is collected, submitted, or processed through the Platform and for ensuring that it has all necessary rights, consents, and lawful bases for such processing.
6.3 Transparency and Notices. Customer is responsible for providing legally compliant privacy notices, cookie disclosures, and other required transparency statements to End Users.
6.4 Consent Management. Where required by Applicable Laws, Customer is solely responsible for obtaining valid and informed consent from End Users prior to deploying Tracking Code or processing personal data.
6.5 AI Oversight. Customer shall not rely solely on AI Output for decisions that produce legal or similarly significant effects on individuals where prohibited by law and shall implement appropriate human oversight.
6.6 Payment Compliance. Customer is responsible for compliance with all rules imposed by Payment Providers, card networks, and financial regulators.
6.7 Security Configuration. Customer is responsible for properly configuring its systems and safeguarding its account credentials.
6.8 Responsibility for End Users. Customer is responsible for all actions conducted under its account, including by authorized users.
7.1 Customer Control Over Deployment. Customer independently determines whether, where, and how to deploy Tracking Code or server-side integrations on its websites, applications, or systems.
7.2 Controller Status. As between the parties, Customer acts as the data controller (or equivalent role under Applicable Laws) with respect to personal data collected through Tracking Code and processed via the Platform.
7.3 Processor Role. SKRAGGLE processes personal data solely on behalf of Customer and in accordance with Customer’s documented instructions, as further set forth in the applicable Data Processing Agreement.
7.4 Compliance Responsibility. Customer is solely responsible for ensuring that deployment and use of Tracking Code complies with all Applicable Laws, including requirements relating to consent, lawful basis, transparency, cross-border transfers, and electronic communications.
7.5 No Legal Determination. SKRAGGLE does not determine the legality of Customer’s data collection practices and does not monitor Customer’s website or application compliance.
7.6 Indemnity for Non-Compliant Collection. Customer acknowledges that unlawful or non-compliant data collection practices may expose SKRAGGLE to regulatory claims or third-party complaints and agrees that it bears sole responsibility for such risks arising from its implementation choices.
8.1 Roles of the Parties. As between the parties, Customer acts as the data controller (or equivalent role under Applicable Data Protection Laws), and SKRAGGLE acts as a data processor solely on behalf of Customer with respect to personal data included in Customer Data.
8.2 Data Processing Agreement. Where required under Applicable Data Protection Laws, the parties shall be bound by a separate Data Processing Agreement (“DPA”), which is incorporated by reference into these Terms. In the event of conflict between these Terms and the DPA with respect to personal data processing, the DPA shall prevail.
8.3 Processing Instructions. SKRAGGLE shall process personal data only:
(a) to provide the Services;
(b) in accordance with Customer’s documented instructions; and
(c) as required by Applicable Laws.
8.4 Security Measures. SKRAGGLE shall implement commercially reasonable technical and organizational measures designed to protect Customer Data against unauthorized access, loss, alteration, or disclosure. Customer acknowledges that no system can guarantee absolute security.
8.5 Subprocessors. SKRAGGLE may engage subprocessors to assist in providing the Services, including infrastructure and hosting providers. SKRAGGLE shall remain responsible for the performance of its subprocessors in accordance with the DPA.
8.6 Cross-Border Transfers. Customer acknowledges that Customer Data may be processed in jurisdictions outside the Customer’s country of establishment. Where required, the parties shall rely on legally recognized transfer mechanisms, including standard contractual clauses.
8.7 No Sale of Personal Data. SKRAGGLE does not sell personal data and shall not retain, use, or disclose personal data for any purpose other than providing the Services, except as permitted by Applicable Data Protection Laws.
9.1 Nature of AI Features. AI Features may generate AI Output based on statistical models, machine learning techniques, and automated data analysis.
9.2 Probabilistic Output. Customer acknowledges that AI Output is probabilistic in nature and may contain inaccuracies, errors, biases, or incomplete information.
9.3 No Professional Advice. AI Output does not constitute legal, financial, regulatory, or compliance advice. Customer is solely responsible for evaluating and validating AI Output before relying on it.
9.4 Human Oversight. Customer shall implement appropriate human oversight and shall not rely solely on automated decision-making where such reliance would violate Applicable Laws.
9.5 Prohibited Uses of AI. Customer shall not use AI Features:
(a) to engage in unlawful discrimination;
(b) to conduct unlawful profiling;
(c) to make decisions producing legal or similarly significant effects in violation of Applicable Laws; or
(d) in any manner that infringes the rights of individuals.
9.6 Improvement of AI Systems. SKRAGGLE may use anonymized and aggregated data to improve AI models and platform functionality, provided such data does not identify Customer or End Users.
10.1 Limited Role. Payment Orchestration Services enable Customer to route transaction data to Payment Providers selected by Customer. SKRAGGLE does not process payments, does not hold or transfer funds, and is not a bank, payment institution, money transmitter, merchant acquirer, or financial intermediary.
10.2 Independent Payment Providers. All payment processing services are provided directly by Payment Providers under separate agreements between Customer and such providers. Customer is solely responsible for entering into and maintaining valid agreements with Payment Providers.
10.3 No Custody of Funds. SKRAGGLE does not at any time take possession of, control, or custody over funds, payment credentials, or settlement proceeds.
10.4 Transaction Risk. Customer bears sole responsibility for:
(a) chargebacks;
(b) refunds;
(c) fraud;
(d) declined or reversed transactions;
(e) compliance with card network rules;
(f) AML and sanctions compliance obligations.
10.5 No Guarantee of Approval. SKRAGGLE does not guarantee transaction authorization rates, routing outcomes, or processing success.
10.6 Suspension for Risk. SKRAGGLE may suspend Payment Orchestration Services immediately where it reasonably believes Customer activity poses fraud, compliance, or reputational risk.
10.7 Upstream Dependency and Third Party Risk
Customer acknowledges that the Payment Orchestration Services rely on third-party infrastructure and service providers, including Corefy, Payment Providers, card networks, acquiring banks, and related financial institutions.
SKRAGGLE shall not be liable for any downtime, suspension, transaction decline, settlement delay, fund freeze, reserve requirement, compliance action, enforcement measure, scheme fine, or regulatory restriction imposed by any such third party.
Where any upstream provider restricts, suspends, or terminates services relating to Customer activity, SKRAGGLE may immediately suspend or restrict Customer access without liability.
10.8 PCI and Cardholder Data.
SKRAGGLE does not store, process, or transmit full cardholder data unless expressly agreed in writing. Customer acknowledges that it is solely responsible for ensuring compliance with PCI DSS and any applicable card network data security requirements. SKRAGGLE shall not be responsible for Customer’s PCI compliance status.
11.1 Third-Party Dependency. The Platform may integrate with Third-Party Services, including payment gateways, cloud infrastructure providers, CRM systems, messaging platforms, and analytics tools.
11.2 Separate Terms. Customer’s use of Third-Party Services is subject to separate agreements between Customer and such third parties.
11.3 No Liability for Third Parties. SKRAGGLE is not responsible for:
(a) acts or omissions of Third-Party Services;
(b) service outages;
(c) data loss caused by third parties;
(d) changes to third-party APIs or functionality.
11.4 Integration Changes. SKRAGGLE may modify or discontinue integrations with Third-Party Services at any time.
11.5 Customer Configuration Risk. Customer is solely responsible for configuring and maintaining integrations properly.
12.1 Subscription Fees. Access to certain features of the Platform may require payment of recurring subscription fees.
12.2 Transaction-Based Fees. Payment Orchestration Services may be subject to transaction-based fees calculated as a percentage of processed transaction volume.
12.3 Billing Cycle. Fees are billed in advance on a recurring basis unless otherwise specified.
12.4 Auto-Renewal. Subscriptions automatically renew unless terminated in accordance with these Terms.
12.5 Price Changes. SKRAGGLE may modify pricing upon prior notice. Continued use of the Platform constitutes acceptance of updated pricing.
12.6 Taxes. Fees are exclusive of taxes. Customer is responsible for all applicable taxes.
12.7 Late Payments. Overdue amounts may accrue interest at the maximum rate permitted by law.
12.8 No Set-Off. Payments shall be made without deduction, withholding, or set-off.
12.9 Refund Policy. Except where required by law, subscription fees are non-refundable. Transaction-based fees are non-refundable once incurred.
13.1 Free Access. SKRAGGLE may offer limited free or promotional access to certain features.
13.2 No Warranty or SLA. Free or beta services are provided “as is” without warranties or service level commitments.
13.3 Modification or Termination. SKRAGGLE may modify, restrict, or terminate free access at any time without liability.
13.4 Data Retention. Upon termination of free access, SKRAGGLE may delete associated data after a reasonable period.
14.1 Prohibited Conduct. Customer shall not use the Platform to:
(a) engage in fraudulent transactions or card testing;
(b) facilitate money laundering or sanctions evasion;
(c) send unlawful marketing communications or spam;
(d) collect personal data unlawfully;
(e) violate intellectual property rights;
(f) introduce malware or harmful code;
(g) reverse engineer or attempt to bypass security controls;
(h) circumvent usage limits or fees;
(i) access the Platform for competitive benchmarking without authorization.
14.2 High-Risk Activities. Customer shall not use the Platform in connection with unlawful gambling, illegal financial schemes, counterfeit goods, or other prohibited industries without prior written approval.
14.3 Monitoring Rights. SKRAGGLE may monitor usage for security, fraud prevention, and compliance purposes.
14.4 Enforcement. Violation of this Section may result in immediate suspension or termination of access without notice.
15.1 Security Monitoring. SKRAGGLE may monitor Platform usage to detect fraud, abuse, security threats, sanctions violations, or breaches of these Terms.
15.2 Fraud and Risk Mitigation. Where SKRAGGLE reasonably suspects fraudulent, abusive, or unlawful activity, it may:
(a) suspend access immediately;
(b) restrict specific features;
(c) report activity to relevant Payment Providers;
(d) cooperate with law enforcement or regulatory authorities.
15.3 No Obligation to Monitor. SKRAGGLE is not obligated to monitor Customer activity and shall not be liable for failing to detect misconduct.
15.4 Cooperation. Customer agrees to cooperate promptly with any reasonable investigation relating to misuse, fraud, or security incidents.
16.1 Ownership. The Platform, including all software, APIs, AI models, documentation, design, trademarks, and technology, is owned by SKRAGGLE or its licensors.
16.2 Limited License. Subject to these Terms, SKRAGGLE grants Customer a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for its internal business purposes.
16.3 Restrictions. Customer shall not:
(a) reverse engineer or decompile the Platform;
(b) create derivative works;
(c) copy or redistribute Platform components;
(d) use the Platform to build a competing product.
16.4 Feedback. Any feedback or suggestions provided by Customer may be used by SKRAGGLE without restriction or compensation.
17.1 Confidential Information. “Confidential Information” means non-public information disclosed by one party to the other that is designated as confidential or reasonably understood to be confidential.
17.2 Obligations. The receiving party shall:
(a) use Confidential Information solely for purposes of these Terms;
(b) protect it using reasonable safeguards;
(c) not disclose it except to authorized personnel under confidentiality obligations.
17.3 Exclusions. Confidential Information does not include information that:
(a) is publicly available without breach;
(b) was lawfully known prior to disclosure;
(c) is independently developed;
(d) is lawfully obtained from a third party.
17.4 Compelled Disclosure. Confidential Information may be disclosed if required by law, provided reasonable notice is given where permitted.
17.5 Survival. Confidentiality obligations survive termination for five (5) years, except trade secrets which survive as long as protected by law.
18.1 Customer Ownership. Customer retains all rights, title, and interest in and to Customer Data.
18.2 Processing License. Customer grants SKRAGGLE a limited license to process Customer Data to provide and improve the Services.
18.3 Aggregated Data. SKRAGGLE may use anonymized, de-identified, and aggregated data derived from Customer Data for:
(a) analytics;
(b) benchmarking;
(c) improving Services;
(d) training AI models.
18.4 No Re-Identification. SKRAGGLE shall not attempt to re-identify anonymized data.
19.1 Service Changes. SKRAGGLE may modify, enhance, suspend, or discontinue features at any time.
19.2 Maintenance. The Platform may be unavailable during scheduled or emergency maintenance.
19.3 No Guaranteed Uptime. Unless separately agreed in writing, SKRAGGLE does not guarantee uninterrupted availability.
19.4 Dependency on Third Parties. Platform performance may depend on third-party infrastructure, including hosting and Payment Providers.
20.1 As-Is Basis. The Platform is provided “as is” and “as available.”
20.2 No Implied Warranties. To the maximum extent permitted by law, SKRAGGLE disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
20.3 No Guarantee of Results. SKRAGGLE does not guarantee:
(a) marketing performance outcomes;
(b) AI accuracy;
(c) payment approval rates;
(d) regulatory compliance outcomes.
SKRAGGLE makes no representation that the Services will remain approved, certified, or supported by any specific Payment Provider, card scheme, or financial institution.
20.4 Third-Party Disclaimer. SKRAGGLE disclaims liability arising from Third-Party Services.
21.1 Customer Indemnity. Customer shall defend, indemnify, and hold harmless SKRAGGLE and its affiliates, directors, officers, employees, and agents from and against any and all claims, losses, liabilities, fines, penalties, assessments, chargebacks, scheme fees, regulatory sanctions, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to:
(a) Customer’s business activities or products;
(b) fraudulent, unauthorized, or disputed transactions;
(c) chargebacks or excessive chargeback ratios;
(d) violations of card network rules;
(e) AML, sanctions, or anti-corruption violations;
(f) regulatory investigations arising from Customer activity;
(g) unlawful marketing, data collection, or processing;
(h) misuse of AI Features;
(i) breach of these Terms.
This indemnity shall apply regardless of whether the claim originates from a Payment Provider, card scheme, acquiring bank, regulator, or third party.
21.2 Platform IP Indemnity. SKRAGGLE shall defend Customer against third-party claims alleging that the Platform infringes intellectual property rights, provided:
(a) Customer provides prompt notice;
(b) SKRAGGLE controls defense;
(c) Customer cooperates.
21.3 Exclusions. SKRAGGLE has no indemnity obligation for claims arising from:
(a) Customer modifications;
(b) third-party integrations;
(c) misuse of the Platform.
22.1 Exclusion of Indirect Damages. To the maximum extent permitted by law, neither party shall be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, revenue, goodwill, or data.
22.2 Liability Cap. SKRAGGLE’s total aggregate liability arising out of or related to these Terms shall not exceed the total fees paid by Customer in the twelve (12) months preceding the event giving rise to the claim.
22.3 Excluded Claims. The limitation in Section 22.2 does not apply to:
(a) fraud or willful misconduct;
(b) Customer’s indemnification obligations;
(c) liability that cannot be excluded under Applicable Law.
22.4 Allocation of Risk. The parties acknowledge that fees reflect the allocation of risk set forth herein.
22.5 Upstream Service Failures. SKRAGGLE shall have no liability for losses, damages, or claims arising from actions or omissions of Corefy, Payment Providers, card networks, acquiring banks, or other third-party service providers, including service outages, transaction declines, enforcement actions, or regulatory restrictions.
23.1 Term. These Terms remain in effect while Customer uses the Platform.
23.2 Termination by Customer. Customer may terminate its account in accordance with Platform procedures.
23.3 Termination by SKRAGGLE. SKRAGGLE may terminate or suspend access:
(a) for breach;
(b) for non-payment;
(c) for fraud or compliance risk;
(d) to comply with Applicable Laws.
23.4 Effect of Suspension. Customer remains responsible for fees incurred during suspension.
24.1 Access Revocation. Upon termination, Customer’s access to the Platform shall cease.
24.2 Data Export. Customer may retrieve Customer Data for a limited period following termination.
24.3 Deletion. After the retrieval period, SKRAGGLE may delete Customer Data in accordance with its retention policies.
24.4 Survival. Sections relating to confidentiality, indemnification, limitation of liability, intellectual property, and governing law survive termination.
25.1 Governing Law
(a) If Customer is established in the European Union or United Kingdom, these Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to conflict of law principles.
(b) If Customer is established in the United States, these Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.
(c) The United Nations Convention on Contracts for the International Sale of Goods (CISG) shall not apply.
25.2 Good Faith Dispute Resolution
(a) In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (“Dispute”), the parties shall first attempt in good faith to resolve the Dispute informally.
(b) The complaining party shall provide written notice describing the nature of the Dispute in reasonable detail.
(c) The parties shall engage in good faith negotiations for a period of thirty (30) days following receipt of such notice before initiating arbitration.
(d) During this period, the parties may escalate the matter to senior executives authorized to resolve the Dispute.
This makes you look commercially reasonable and reduces immediate escalation.
25.3 Binding Arbitration
(a) If the Dispute is not resolved through good faith negotiations within thirty (30) days, the Dispute shall be finally resolved by binding arbitration.
(b) For EU/UK Customers:
(c) For U.S. Customers:
(d) The arbitration shall be conducted by a single arbitrator.
(e) The arbitrator may award monetary damages and injunctive relief consistent with these Terms but shall not award punitive damages except where required by law.
(f) The award shall be final and binding and may be entered in any court of competent jurisdiction.
25.4 Class Action and Consolidation Waiver
Customer agrees that any arbitration shall be conducted solely on an individual basis and not as part of a class, consolidated, or representative action.
(We can remove this if you do not want that level of aggressiveness.)
25.5 Injunctive Relief Exception
Notwithstanding the foregoing, SKRAGGLE may seek injunctive or equitable relief in any court of competent jurisdiction to protect:
This ensures you are not blocked from acting quickly.
25.6 Force Majeure.
SKRAGGLE shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including infrastructure failures, internet backbone disruptions, cyberattacks, acts of regulators, Payment Provider restrictions, or actions of card networks.
25.6 Exclusive Remedy
Except as expressly provided in Section 25.5, arbitration shall be the exclusive mechanism for resolving Disputes.
26.1 General Contact Information.
Customer may contact SKRAGGLE regarding general inquiries or support matters at:
Email: SUPPORT@SKRAGGLE.COM
Registered Address (EU Entity): SUPPORT@SKRAGGLE.COM
Registered Address (U.S. Entity): SUPPORT@SKRAGGLE.COM
SKRAGGLE may update its contact details by posting updated information on the Platform.
26.2 Legal Notices to SKRAGGLE.
Any legal notice relating to these Terms, including notices of dispute, breach, indemnification claims, or termination for cause, must:
(a) be in writing;
(b) be clearly identified as a “Legal Notice”; and
(c) be delivered by registered mail, courier, or recognized international delivery service to the applicable registered address listed above.
Email communications to support addresses shall not constitute valid legal notice unless expressly acknowledged in writing by SKRAGGLE as received for legal notice purposes.
