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Payment Terms

Prices, currency, tax, invoices, and how payment is processed.

Last updated 28 July 2026

1. Prices, currency, and where we sell

1.1 Who you are paying. LeMans Labs OÜ, a private limited company (osaühing) registered in the Republic of Estonia under commercial registry code 16872044, registered address Valukoja 8/1, 11415 Tallinn, Estonia. "We" and "us" mean that company. Our full provider details, the address for notices, the supervisory authority and the complaints route are in section 1 of the Terms of Service and in the Privacy Policy; there is no separate legal notice page, and nothing is kept behind one. These Payment Terms form part of the Terms of Service and are read with the Refund Policy, which governs when money comes back.

1.2 What is live today, and what is not. Checkout is open and takes payments. Tax is calculated and included in the price shown, an invoice is raised against every order, reports are produced and delivered, refunds are made, and payment disputes are handled. Read the verbs below in the tense they are written: this document describes a system that is running, not one we are planning.

Two of the conditions this clause used to list as things we would not sell without are not met. We print them rather than let the clauses they belong to read as done:

  • The invoice line carries the subject's name. Clauses 4.5 and 5.3 say that nothing crossing to our payment provider, and no invoice line, identifies the person or company a report is about. The invoice description we send today is the product name followed by that name, which is the opposite.
  • The eligibility step in 3.7 exists in one form only. A report about a person is now sold to that person and to nobody else: at checkout you confirm in a separate box that the subject is yourself, and an order for a report about anyone else is refused rather than sent to them for consent. The consent request described in 3.7 was replaced by that refusal on 9 August 2026 rather than built.

The first two are defects in the product and the clauses stand as written; the third is a narrowing of what we sell, and clause 3.7 will be brought into line with it rather than the product widened to meet the clause.

1.3 The prices. Published at lemanslabs.com/pricing and on each product page. One figure per report, tax included: 39 for the Company X-Ray, 29 for the Founder X-Ray, 59 for the Executive Package.

One currency, and it is yours rather than a menu. A buyer in any European Union member state is charged in euro, a buyer in the United Kingdom in pounds sterling, and everybody else in US dollars. Membership of the Union decides it rather than the money in local circulation, so a buyer in Poland, Denmark or Sweden is charged in euro. Which one applies to you is set from the billing country you give at checkout, before you pay, and the figure is shown to you in that currency before you are bound. The price in force when you order is the price for that order.

The figure is the same number in each of the three currencies, and the three are separately published prices rather than conversions of one another: €39 is not $39 converted, and neither is the rate of the day. We do not offer a choice between them. What you are charged is the one figure above, in your own currency, and clause 1.6 says we bill in no other.

1.4 One payment, once. Each order is a single payment for what that order names: one report, or, in the case of the Executive Package, the two reports it consists of. There is no subscription, no renewal and no recurring charge. We will not store your card, and nothing will be charged again without a new order you place yourself.

1.5 The comparison figure shown with the Executive Package. 68, in whichever of the three currencies applies to you, is the arithmetic sum of the two individual prices, 39 plus 29. It is what the two reports cost if you buy them separately, and that is the only thing it is. The Executive Package has never been sold at 68, nothing has ever been charged at it, and we therefore do not present it as a former price, a usual price, a recommended price or a reduction from one.

Where the figure appears at all it appears unstruck, on the same line as the price and in the same size of type, labelled "both reports bought separately: 39 plus 29". We do not show it struck through and we do not write "instead of", because both of those tell a reader that 68 was once the price of this product. Until every surface that carries the figure shows it in that form, the figure comes off the page. We make no claim about what a report costs us to produce, and the package price is not an assertion about our costs.

1.6 Currency. We charge in euro, pounds sterling or US dollars, in the amount shown for your region in 1.3. We do not price, bill or settle in any other currency, and we will not offer you a local-currency equivalent of a price from another region. Section 8 explains what that means if your account is held in a currency we do not charge in.

1.7 Where we will and will not sell. We sell every report everywhere. There is no territorial restriction on any of the three products and no country we decline on its own account. The money side of the exceptions that do exist is here.

We will refuse an order, or cancel it after payment and refund it in full, where:

(a) you are located in, or your payment method was issued in, a territory subject to comprehensive sanctions or an embargo applicable to us, or a territory on the restricted list our payment provider applies to our account;

(b) you, anyone you are acting for, or the subject of the report is designated on a restricted-party list applicable to us; or

(c) supplying a report of this kind into your territory, or about the subject you named, is prohibited or needs an authorisation we do not hold.

We will screen both the buyer and the named subject before payment is taken and again before a report is produced. That screening is ours to do. Our payment provider screens the payment; it never sees the subject of a report, whose name we do not send it, so nothing it does discharges any part of this clause. Section 14 of the Terms of Service states the representation we ask of you and section 8 of the Acceptable Use Policy states the subject rule. Where we cancel under this clause you are refunded in full and no charge stands.

1.8 What this document can never do to your rights. Nothing here excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for intentional wrongdoing or gross negligence, or for any liability that cannot lawfully be excluded or limited. Those carve-outs come before any limit, not after it. Clause 11.1 of the Terms of Service says the same and applies to this document as if written out in it, and section 12 of those terms states the limit that applies to everything else: for a consumer, the greater of what you paid and the cash minimum stated there; for a business buyer, the amount paid for the report the claim is about. A refund we owe you is never inside that limit.

1.9 Named rights this document does not touch. If you are a consumer, nothing here affects your right to receive a report that conforms to what we described before you bought it; your remedies if it does not; your right of withdrawal, to the extent it has not been validly given up under section 3 of the Refund Policy; your right on a valid withdrawal to have back everything you paid without deduction of any kind; your right to rely on what we published about the product and its price; or your right to complain to a consumer authority or an out-of-court body.

We do not write "so far as the law allows" anywhere in this document. As clause 11.3 of the Terms of Service puts it, a term that is unfair is not made fair by such a sentence. Every clause here is drafted to be fair as it stands, and if one of them is not, it falls and the rest of this document stands.

1.10 Which version applies to your order. The version of these Payment Terms in force when you place an order governs that order for its whole life. We record a content hash of the version you were shown against your order, so this can be checked rather than asserted. Changes are made under clause 17 of the Terms of Service, which governs changes to this document exactly as it governs changes to those terms, including the thirty days' notice for a material change. We will not change a payment term of a purchase already made, and a change to your disadvantage does not apply to a report you have already bought.

2. Tax

2.1 The position, in two sentences rather than one. Where we are registered for a tax on your purchase, that tax is calculated at checkout and is already inside the price shown, and we will not add it afterwards. Where your own country levies a tax on an imported digital service for which we are not registered, we cannot calculate or collect it, it is not inside our price, and any liability for it is between you and your own tax authority.

Checkout will tell you which of those two applies to your country before you pay. Where our tax calculation cannot run for your country at all, checkout will decline the sale rather than take money at a price it cannot state the tax treatment of. It will never fall back to charging no tax, because a sale that charges no tax while this page says tax is included is a false statement to you and an unpaid debt of ours.

2.2 The number shown will be the number charged. We will not add tax to the published price at the last step. Where tax is due it comes out of that price rather than being added to it, so the figure on the price card for your region is the figure we charge, and the total you confirm before you pay is the total taken.

That is a promise about the amount we charge, in the currency we charge it in. If your account is held in a different currency, your bank or card scheme converts our figure at a rate it sets on the day and may add a fee of its own, so the amount leaving your account may be more than the figure you saw. That difference is your bank's and is not ours. We say it here rather than only in section 8, because a promise about a number is worth nothing if its limits are six sections away.

2.2a It is not a promise that a price will never change. We may change a published price for orders placed after the change, including where the tax we absorb in a country changes what a price is worth to us. The price in force when you order is the price for that order, as 1.3 says. We will not change the price of an order already made, and no further charge of any kind can arise after the single payment for your order.

2.3 That does not mean no tax is due. LeMans Labs OÜ is a tax-registered Estonian company and will account for tax on sales where tax arises. Our tax registration number appears on every invoice and every receipt we issue, whoever the buyer is. Whether it must also appear in the provider information published on this site is the question below, and we would rather ask it than assume the answer. How prices are displayed here is never a statement that your purchase is untaxed, and it changes nothing about what is calculated, charged or remitted.

2.4 How your location is worked out, and what we keep to prove it. Tax on a digital sale depends on where the buyer is, so checkout will require a billing address before you can pay. To calculate the tax, and to be able to show a tax authority afterwards why we calculated it as we did, we will record against your order: the billing country and postal code you give us; the country of the payment method, which our payment provider reports to us; the type of payment method; a one-way hash of the network address the order was placed from, never the address itself; any business tax identification number you enter and whether it validated; and our provider's tax calculation reference.

Where two of those disagree we will record the conflict against the order rather than picking one silently. Those items together are what 10.2 calls the location evidence. They are kept longer than anything else we hold about you, for a reason we did not choose and cannot shorten, and the period is in the Data Retention notice rather than here. The Privacy Policy gives the lawful basis.

2.5 If you are buying as a business. Checkout will let you enter a business tax identification number, and will tell you in the same place what entering it does and does not do.

Entering it does not reduce what you pay. Because our prices are single tax-inclusive figures, a validated reverse-charge purchase costs the same as any other: the reverse charge changes what the invoice shows and not the amount taken. We say so in advance, plainly and beside the field, because a buyer who enters a number expecting the price to drop should find that out before paying rather than afterwards. Where the number does not validate you are charged as an ordinary buyer, and told so at checkout before you pay. Where it validates and the rules make your purchase a reverse-charge supply, no tax is charged on the supply and the invoice says so and carries both parties' numbers.

Entering it also does not change which terms apply to you. Whether you are a consumer is decided objectively, on what you are actually doing, under clause 11.4 of the Terms of Service, and not by anything typed into this field. We will not treat a number entered here as our reason for applying business-facing terms to you, and in particular we will not rely on it alone to apply the indemnity, the business liability limit or the exclusive forum in those terms. If you are in fact a consumer, the consumer position applies to you whatever this field says.

2.6 One tax position, in one place. This section is the whole of our tax position: any tax due is calculated at checkout and comes out of the published price rather than being added to it. Clause 5.2 of the Terms of Service says the same and adds nothing to it.

If any other page of ours states a different tax position, that page is wrong and we will correct it. Until we do, and generally wherever two things we have published differ, the statement more favourable to you governs your order. We do not ask you to treat something we published as having no effect because a later document of ours contradicts it.

2.7 If we get this wrong. If we charge you a price from which we account for no tax that was in fact due, that is our error and never yours. We will not come back to you for the difference, at any time and on any ground.

3. What you see before you pay

3.1 What will be on the screen before you are bound. In one place, above the control that takes your money:

  • who you are contracting with, in the block described in 3.2;
  • which report you are buying, how many sections it has, and the subject you gave us;
  • that the report is produced end to end by an automated system, that no person at LeMans Labs reads, checks, approves or edits it before it reaches you, and that it is built only from information publicly available at the moment it runs, which can be wrong, incomplete, out of date or about a different person with the same name, with a link to the AI Transparency and Limitations notice on the same screen;
  • that a report is not a background check, an identity or credit check, a consumer report, a due-diligence report or professional advice of any kind;
  • who the report may be about under 3.7, that production does not begin until the confirmation described there arrives, the window it has to arrive in, and the automatic refund if it does not;
  • the total payable in your region's currency, including any tax, as a single figure;
  • that this is one payment and not a subscription;
  • the separate confirmations required by clauses 4.3, 6.3, 9.2 and 14.2 of the Terms of Service, on the terms in the next paragraph; and
  • links to these Payment Terms, the Terms of Service, the Refund Policy and the AI Transparency and Limitations notice.

Each confirmation is a separate control that you action yourself. None is pre-ticked. None is bundled with acceptance of these terms, with the Privacy Policy, or with each other. The wording displayed to you is stored against your order exactly as it appeared, with the time and the version identifier of the text. The control that carries the withdrawal position is a single control carrying both statements, in the words fixed by clause 3.2 of the Refund Policy and in no other words:

"I ask LEMANS LABS to begin producing this report immediately, and I understand that once the finished report has been delivered to me I lose my fourteen-day right to withdraw from this purchase."

Where the control shown to you differed from those words, was pre-ticked, or was bundled with anything else, the waiver has no effect and clause 3.3 of the Refund Policy applies.

3.2 The identity block. Our registered name, legal form, registry code, registered address and contact address will appear on the checkout page itself, above the pay control. Not in a footer, and not behind a link you have to go looking for.

3.3 The total is the total. No booking fee, no service fee, no processing fee, no card surcharge and no handling charge will be added to the figure shown, at that step or any later one.

3.4 When you are bound. Pressing the pay control is your offer to buy. The contract is formed when we confirm your order after payment is authorised. If authorisation fails there is no contract and no charge. Where the report is about a person, the contract is formed in the same way, but production does not begin until 3.7 is satisfied, whether the report is about you or about somebody else.

3.5 The confirmation you will receive. After payment we will email the address used for the order. It will reproduce the entity block in 3.2, what you bought and the order reference, the total paid and the tax included in it, and the full text of every confirmation you actioned, word for word as it was displayed to you rather than in summary, including the withdrawal wording quoted in 3.1.

It will be sent from the payment step rather than the report pipeline, so a problem producing your report cannot destroy the record of what you agreed. If that email is not sent, or if what it reproduces is not what you were shown, the waiver of your withdrawal right does not take effect, whatever else happened at checkout. Clauses 6.3 to 6.5 of the Terms of Service and section 3 of the Refund Policy state the same mechanism; where any of the three differ, the one most favourable to you governs your order.

3.6 If the price shown was wrong. If a published price is obviously wrong and you could reasonably have realised it, we may cancel before delivery and refund you in full; we will not deliver and then bill you the difference. If we charged more than the total displayed to you, you pay the displayed total and we refund the difference without you having to ask.

3.7 Who a report may be about, and what that does to your money. A Founder X-Ray, including the one inside the Executive Package, may be about you, or about a person who has told us themselves that they agree to it. There is no third possibility, whatever you tell us at checkout. A Company X-Ray is about a company rather than a person and this clause does not reach it.

Where the report is about you, we confirm that you control the email address or the profile the report is bound to, by sending a confirmation to it and waiting for the reply. Where the report is about anybody else, we email the person you named, tell them plainly what the report is and who asked for it, and start production only when they reply to confirm. Nobody at LeMans Labs decides either of those and no person is in the loop: the message goes out automatically and the answer is acted on automatically.

Your payment is taken when you order, before we know the answer. So: if the confirmation we need arrives within the window shown to you at checkout, production starts and the ordinary position applies. If it is refused, or the window passes in silence, the order is cancelled and the full amount is refunded automatically, without you asking and without anyone deciding. That is the automatic refund in 6.5. The window is the same for every order, is shown to you before you pay, and is repeated in the confirmation email in 3.5.

Your telling us that you have permission is not what makes a report about another person lawful for us to produce, and we do not treat it as if it were. Your warranty under clause 4.3 of the Terms of Service that you have permission to ask, and the indemnity that goes with it, sit on top of the confirmation described above rather than instead of it. A false warranty is a material breach that ends the licence without a refund.

4. How payment is processed, and what we never see

4.1 Who processes the payment. Stripe. Payment will be taken on Stripe's own hosted pages, on a Stripe domain, reached by redirect from this site. The card form will not be embedded in our site and will not be served by us.

4.2 What will never reach us. Your card number, its security code, its expiry date, the full data on its chip or stripe, your bank account number, and any credential your bank uses to authenticate you. None of it will reach a LeMans Labs page, server, log, database or backup, because none of it is ever typed into anything we serve.

4.3 What we will hold. From a completed payment: the card brand, the last four digits, the country of issue, the type of payment method, and the references our payment provider gives us for the payment method and for you as its customer. Those references are generated by the provider, are not a card number, and cannot be used to charge you.

We will keep them to identify your payment in a support conversation, to work out the tax position in 2.4, to answer a payment dispute, and to recognise the same payment method behind a different email address where we have to apply 6.8. We will not use them to advertise to you, will not sell them, and will not build any other picture of you from them. How long we keep them is in the Data Retention notice.

4.3a Why we hold a reference rather than nothing. Clause 6.8 stops further orders after a payment has been reversed, until the position is settled, and the Refund Policy limits what can be claimed twice. An email address is not an identity: signing in here is a single-use code sent to a mailbox, so a new mailbox would reset every one of those limits. A reference generated by our payment provider is how they stay true. It is less information about you than a card number, not more, and we would rather explain why we hold it than hold it quietly.

4.4 What we do not claim. We hold no payment-security certification and no third-party audit of one, and we claim none. What protects your card details is the arrangement in 4.1 and 4.2: the card form is served by our payment provider from its own domain, so card data never reaches a page, server, log, database or backup of ours. That is a fact about how the payment is built rather than an attestation about how we handle card data, because we do not handle it. Where our payment provider or a card scheme requires us to complete and keep current a self-assessment of that arrangement, we will complete it, keep it current, and produce it to anyone entitled to ask. The Security notice lists what we do and do not have.

4.5 What crosses to the payment provider. One opaque reference to your order, and what the provider needs to take the payment and calculate tax: your email address, your billing address and country, the amount, and any business tax identifier you gave. Nothing else crosses.

The name of the person or company your report is about is not in that set. It is not sent to the payment provider, does not form part of the invoice line or the product description, does not appear in the order metadata or the statement descriptor, and does not appear on your statement. The invoice line is built from the product name and the order reference and from nothing else. A payment record travels to your bank, your card scheme and, for a business, your bookkeeper. The subject of a report is not a party to your payment, and their name has no business on any of those documents, so the field that would carry it is not populated at all.

That boundary is enforced where the payment session and the invoice line are created, and checkout will not open until an automated test proves that a subject name held in a brief cannot reach either. If we find that a name has reached one of those documents, we will treat it as a personal data incident, assess it under the Privacy Policy, notify as the law requires, and tell the subject.

4.6 Authentication by your bank. Your bank may ask you to approve the payment in its own app or by a code. That exchange is between you and your bank; we will not see the credentials and cannot complete it for you. If it is not completed the session expires and no charge is made.

5. Invoices and receipts

5.1 You will get both, and they do different jobs. A receipt proves a payment was made. An invoice proves a supply took place and what tax applied, and only the invoice is the document a business uses to reclaim input tax. Both will be issued for every purchase, including one discounted to zero, and both will be emailed to you when your payment is confirmed.

5.2 What the invoice will carry. Our registered name, legal form, registered address, commercial registry code and our tax registration number; a sequential invoice number; the date of issue and the date of supply; the buyer details you gave, including your own tax identification number where you entered one and it validated; the line description; the net amount, the tax rate, the tax amount and the gross, each shown separately even though the gross is the figure you saw before you paid; and, where it applies, the statement that the supply is subject to the reverse charge, carrying our tax registration number and yours.

Every one of those fields is populated before an invoice is issued. An invoice that leaves out our tax registration number cannot do the job 5.1 says an invoice does, so we will not issue one that does, and no order completes while that footer is empty.

5.2a Why the invoice carries a number the website may not. How we display prices on this site, and what the site publishes about our registrations, is dealt with in 2.3. An invoice is a different document doing a different job: it is what a business buyer uses to recover input tax and what a tax authority reads. Our registration number is on it, without exception and whoever the buyer is. There is no inconsistency between the two positions, and neither changes what is calculated, charged or remitted.

5.3 The line description. The report you bought and the order reference. Never the name of its subject, for the reason in 4.5. Where we contest a payment dispute we rely on the order reference and the delivery record described in 6.7a, which is better evidence than a name on a receipt and does not put a non-party on a document that leaves our systems.

5.4 Numbering. Every invoice we issue will carry a number from a single unbroken sequence for this company, and none will be issued outside it. We will not number an invoice by hand. The sequence is generated by our payment provider rather than by us, and if that provider's numbering does not in fact produce one continuous series for this company, we will number them ourselves to a scheme our accountant has approved rather than issue documents whose numbering cannot be relied on.

5.5 How long you can reach them. Your report will stay available for 90 days. Your invoice and receipt do not expire with it: the report expires, the tax document does not.

Both are emailed to you when your payment is confirmed, so you hold your own copy from the start and do not depend on us, or on an account, to keep it. For as long as we hold the order record we will also send either document again on request to the email address used for the order, whether or not you still have an account with us, and there is no charge for that. Closing your account, deleting your report, being refunded or asking us to erase what we hold about you does not take your invoice away and does not stop you asking for it: write to [email protected]. We do not promise that you will be able to sign in and retrieve them years later, because an account can be closed at your own request under clause 15.6 of the Terms of Service. The period is in the Data Retention notice, which governs if it and this document differ.

5.6 Getting the details right. Enter your company name, address and tax number at checkout if you need them on the invoice. Once an invoice has been issued we may not be able to change who it is addressed to, because an issued invoice is an accounting record rather than a document we can rewrite. Ask us at [email protected] and we will tell you what is possible.

6. Failed, duplicate and disputed payments

6.1 A declined payment. No charge, no order, no report. A payment can be declined in three ways, and we will tell you which applies.

Your bank or card issuer may decline it, in which case the decision is theirs and they usually do not tell us why; try again, or use another method. Our payment provider's automated fraud checks may decline it, in which case it is an assessment of the payment rather than a judgement about you. Or we may refuse the order ourselves, on the grounds in 1.7 or in clauses 14.3 and 15.2 of the Terms of Service. In the second and third cases you may write to [email protected] and we will tell you what we are able to tell you. Sometimes that is very little, because the reason is information about another person that is not ours to share; where that is so we will say so rather than let you believe your bank refused you.

6.2 What you can pay with. Cards, and the digital wallets our payment provider offers on its checkout page for the card you hold. We do not accept bank transfers, direct debits, voucher or cash-based methods, cryptocurrency, or any method whose settlement the payer can reverse after a report has been delivered. We will not accept an offline or out-of-band payment for a report in any circumstances, and nobody at LeMans Labs will ever ask you for one. If we add a method later, this clause changes before the method appears at checkout.

6.2a A method that confirms later. Where a method we accept does not confirm immediately, your report will not begin until it confirms, and the confirmation in 3.5 is sent at that moment rather than earlier. If it never confirms, the order is not fulfilled, nothing is charged and nothing is owed. We will not start producing a report against a payment that has not confirmed, because a report cannot be recalled once it has reached you.

6.3 A pending charge that disappears. An authorisation your bank holds and then releases is not a charge and is not money we have taken. How long it is held is your bank's decision.

6.4 Duplicate orders. We would rather stop a duplicate than refund one. Before payment is taken we will compare your brief with orders already placed from your email address: where the product is the same and the subject resolves to the same identifier, we will tell you that you have already ordered it, show you that order, and ask you to confirm that you want a second report before any money is taken. A second report you confirm that way is an ordinary order and is not refundable as a duplicate.

Where a duplicate is taken anyway, because the check did not run or because the same brief was placed from two addresses you control, the position is this. If the later report has not been delivered, we cancel it and refund it in full. If it has been delivered, we tell you and ask whether you meant to buy it: if you say you did, it stands as an ordinary order and nothing changes; if you say you did not, or you do not answer within seven days, we refund it in full, access to it ends, and you must stop using and delete anything you copied out of it, because you are no longer paying for it. We ask first because a refund takes the report away, and we will not unwind a purchase you meant to make. We apply this to any duplicate we find, whatever the interval between the two orders. Tell us at [email protected] if we have not spotted one.

In this clause "the same brief" means the same product ordered about the same subject, judged on the subject the brief resolves to rather than on the characters you typed. A different spelling, a different URL or a different context note about the same company or the same person is the same brief.

6.5 The two automatic refunds. Two things trigger a full refund with no request from you and no decision by anyone.

First, a report that is not produced is never billable. If production fails, the full amount is refunded automatically and the refund notice reaches you with the failure notice.

Second, where the eligibility step in 3.7 is not completed within the window, the order is cancelled and the full amount is refunded automatically. That covers all three ways it can fail: the person you named refuses, the window passes in silence, or a report you asked for about yourself cannot be bound to an address or a profile you control.

Section 2 of the Refund Policy governs both and is not repeated here.

6.6 Delay does not change the price, and what the product page says is part of what you bought. Everything we told you before you bought, including the product page, forms part of the description of what you are entitled to receive under clause 2.5 of the Terms of Service, and nothing in this document displaces it. Where we show a turnaround we will show one figure, the same figure on every surface, drawn from how the pipeline has actually performed, and we will label it as a typical time rather than as a deadline.

What this clause does is about money and nothing else: a report that takes longer costs you no more, and no further charge of any kind can arise after the single payment for your order. If we have not delivered within a reasonable time you may cancel and be refunded in full under clause 7.1 of those terms, and until the finished report is available to you, you may cancel for any reason and be refunded in full under section 3 of the Refund Policy. Nothing here displaces any period within which the law requires us to supply.

6.7 If you dispute a charge with your bank. We would rather you wrote to us first, because a refund you are entitled to will reach you faster than a dispute will. That is a request, not a condition of anything, and it does not limit your right to dispute a charge. We will not treat you worse for using it: no fee, no dispute fee passed on to you, no account closed, and no later order declined because you disputed a charge.

Access to the report is affected in one way only. Where the disputed amount has actually been taken back from us, provisionally or finally, access to that report is paused for as long as we are out of the money, because otherwise you would hold both the report and the price. Nothing is deleted. Access is restored automatically within one business day of the amount being returned to us, and you do not have to ask. If the dispute is decided in your favour the pause becomes permanent, because the sale is unwound and you have your money back.

While a dispute runs we may put our side to your bank using the records in 10.2, the delivery record in 6.7a, and the report as it was delivered to you. Section 10 of the Refund Policy states the same position.

6.7a The records that have to still exist. So that 6.7 is capable of being true, we keep, for as long as the charge can still be disputed under the rules of the scheme your payment method belongs to, and even where that is longer than the 90 days your report stays available to you: the order and the confirmation we sent you; the wording of each confirmation you actioned, as it was displayed; and the record that the report was produced, delivered and opened, with times.(/legal/data-retention) notice can carry a period rather than a description. No period is asserted here from memory. Second, and for counsel, confirm whether a single archived copy of a delivered report may be kept beyond the 90-day window solely as dispute evidence, given what the Data Retention notice and If a Report Names You promise the person the report is about. If it may not, say so: we will publish 6.7 without the archived copy and accept that a dispute arriving after day 90 is one we cannot contest. We will not resolve that collision by leaving both promises in place and hoping they never meet.]

6.8 After a reversed payment. Where a payment has been reversed and, on our records, no refund was owed to you at the time, further orders from you are declined until either you have paid for what you kept or you confirm that you have destroyed the report and any copy of it. The block is applied automatically on those two conditions rather than case by case, so you should expect it rather than hope for it. We will tell you in writing that we are relying on this clause, and why, before we decline an order; we will lift it within one business day of the position being put right; and you may ask us to look at it again at [email protected].

We will not rely on this clause where the reversal followed our own failure to make a refund we owed you, where a dispute was decided in your favour, or where the reversal was your bank's own act rather than yours. It reaches new orders only: it does not affect any right you have by law, any refund owed to you, any report already delivered to you, or your ability to reach an invoice under 5.5. Section 10 of the Refund Policy states the same position and neither adds to it nor subtracts from it.

6.9 A refund we cannot return to your card. Our payment provider can reverse a payment only for a limited period, and a card can expire, be reissued or be closed in the meantime. Where a refund we owe you cannot be returned to the method you paid with, we still owe it. We will tell you so and agree another route with you, and we may have to confirm that the account is yours before we pay. We will never ask you for bank or card details out of the blue: only ever in reply to a message you have sent us from the email address used for the order, and never by telephone. A refund we cannot deliver because we cannot reach you stays owed to you for as long as we hold the order record.

6.10 If our payment provider suspends or ends our account. Refunds are paid through our payment provider, so our ability to return money depends on that provider and not on us alone. If it suspends our account, withholds settlement or ends the relationship: we will stop taking orders and say so on the site; an order not yet delivered will be cancelled and refunded, and where a refund cannot be returned through that provider, 6.9 applies; and a report already delivered keeps its 90-day window and its licence so far as we are able, with clause 16.4 of the Terms of Service applying where we cannot keep it available.

A decision our payment provider takes about us is not an event outside our responsibility to you. We do not treat it as force majeure.

7. Promotion codes

7.1 There are none at launch. Checkout will not show a promotion code field, because a code field on a page where no codes have been issued is an invitation to guess. If we later issue codes, this section is replaced by a new version of these Payment Terms published on this page with its own effective date, under 1.10.

7.2 What a code will always carry. A redemption limit and an expiry date, both fixed when the code is created. One code per order; codes do not combine. Codes are not transferable, are not for sale and have no cash value.

7.3 A code we did not give you. A code obtained from somewhere other than us or a partner we authorised may not be honoured. We would rather decline it at checkout before you pay than reverse it afterwards.

7.4 Abuse. Where a code has plainly been circulated beyond its intended recipients, or where one buyer has redeemed a single-use code repeatedly, we may stop accepting that code. Before your report has been delivered we may also cancel an order placed with the code and refund everything you paid, and we will tell you that we have done so and why.

Once a report has been delivered to you we will not cancel that order on this ground, will not withdraw the report, and will not ask you for the difference: 6.6 means what it says, and a discount we allowed at checkout stays allowed. Where the code was circulated by somebody other than you and you redeemed it in good faith, we will honour your order. This clause reaches the discount and nothing else. It does not affect your statutory rights or the Refund Policy.

7.5 A discounted order is still an order. A code reduces the price and changes nothing else. The same terms apply, the same statutory rights apply, an invoice is still issued, and a refund is of the amount you actually paid rather than the list price. That holds for an order discounted to zero as well.

8. Currency conversion and your bank

8.1 We charge in one of three currencies. Every price on this site is a euro, pound sterling or US dollar figure, set for your region by 1.3, and that amount is what we charge and what our records hold.

8.2 If your account is in a currency we do not charge in, your bank or card scheme converts our figure at a rate they set on the day, and some add a conversion fee. The amount leaving your account may therefore be more than the figure you saw, and may differ from what a currency converter tells you.

8.3 We do not receive that difference and cannot predict it. It is not a charge by us, not part of our price, and we have no visibility of your bank's rate.

8.4 What the promise in 2.2 covers. "The number shown will be the number charged" is a promise about the amount we charge, in the currency we charge it in, including any tax. It is not, and cannot be, a promise about what your bank converts that amount into. We say so plainly, and we say it in 2.2 as well as here, because a promise that is true in one currency and silently untrue in another is worse than no promise.

8.5 If you are offered a choice of currency at checkout or by your card, the choice and the rate are your provider's, not ours.

8.6 Refunds. A refund is of the same amount, in the same currency, that we charged. If the rate has moved in between, the amount reaching your account may be more or less than the amount that left it. That difference is your bank's, and the Refund Policy says the same.

9. How the charge appears on your statement

9.1 The descriptor. The charge will appear on your statement as LEMANSLABS.COM. That is the only descriptor we use, it is the same on every charge, and it is configured at our payment provider before the first charge. It identifies us, and it will never name the subject of your report. An unrecognised line on a statement is the most common reason a payment is disputed, and the person disputing it is usually right to be suspicious.

9.2 The name behind the descriptor. We trade under the brand LeMans Labs and contract as LeMans Labs OÜ. They are the same company. The descriptor in 9.1 carries the domain you bought from, because that is the thing you saw when you paid. Your bank may show it in capitals, may shorten it, and may add a reference of its own.

9.3 Match it before you dispute it. The confirmation in 3.5 carries the same descriptor, the order reference, what you bought and the total paid, so a line on your statement can be matched to a purchase in seconds. If you cannot match them, write to [email protected] with the date, the amount and the last four digits of the card, and we will identify it and tell you what was bought. That is faster than a dispute and we answer it ourselves.

9.4 We will not ask you for the card itself. No message from us will ever ask for your full card number, your security code or your banking credentials. If you receive one, it did not come from us.

10. Records we keep

10.1 These records are about you, the buyer, and one of them names somebody else. The payment records listed in 10.2 do not carry the name of the person or company your report is about, for the reason in 4.5. One record does: the brief you submitted, because it is what we were asked to analyse, and a copy of it sits with the order.

The subject's name is removed from that copy automatically when the report expires at 90 days or is deleted, whichever comes first, whether or not anybody asks. What is left with the order is the product, the amount and the reference. Nothing in our tax or accounting obligations requires the identity of a third party who is not a party to the sale. The Data Retention notice sets out both copies of the brief with their periods and governs if it and this document differ.

A person named in a report may ask us to remove their information from every place we hold it, including the copy held with an order, with no account, no fee and no particular form of words, and that request reaches this record. If a Report Names You explains how. Under 3.7 that person already knows we exist and already has our address, because we wrote to them before the report was produced. The subject of a report is not a party to your payment, and no term of your contract with us limits or affects their rights.

10.2 What we will keep about a payment. The order and what it was for, being the product and the order reference; the amount, currency and tax; the invoice and its number; the card brand, last four digits, country of issue, payment method type and the provider references in 4.3; the location evidence in 2.4 and the tax calculation; the confirmation request in 3.7, whether it went to you or to somebody else, when it was sent and what was answered; any refund with the ground for it; any dispute and what we sent; the record that a report was produced, delivered or opened, and when, which is the evidence in 6.7a; and the wording of each confirmation you actioned at checkout, as it was displayed to you, with the time.

Where we cannot produce the recorded wording of a confirmation, we treat that confirmation as not having been given, and clause 3.3 of the Refund Policy is then what applies.

10.3 Why. To supply what you bought, issue a correct invoice, meet tax and accounting obligations, answer a payment dispute, and be able to show later what was agreed. The lawful bases are in the Privacy Policy.

10.4 How long. Longer than the 90 days a report stays available, because a tax record outlives the thing it records. The Data Retention notice states the period for each class and governs if it and this document differ.

10.5 Who else will see them. Our payment provider, which holds the payment itself; the people who keep our books; and a tax authority or card issuer entitled to ask. Recipients are named in the Sub-processors list. We will not sell these records and will not use them to market to you.

10.6 What we will not have. Your card number. We never receive it, so we cannot produce it, lose it, or be asked for it.

Read this with: the Terms of Service, which these Payment Terms form part of, whose clause 5 governs ordering, whose section 1 carries our full provider details and the address for notices, and whose section 12 states the limit on our liability; the Refund Policy, which governs when money comes back and states the withdrawal position in full; the Privacy Policy, for what we do with the records in section 10, the supervisory authority and the complaints route; the Data Retention notice, for how long those records are kept; and If a Report Names You, for the rights of the person a report is about, which your contract with us does not touch.