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TOS

Terms of Service

Independent Paynex Agent Website

1. Introduction

This website is independently operated by an independent sales representative, agency, referral partner, contractor, or independent business utilizing Paynex-related infrastructure, services, software, technology systems, or services available through Paynex ("Agent").

The Agent may market business services, merchant services solutions, software solutions, payment-related products, automation tools, marketing services, business consulting, or related services through this website.

By accessing or using this website, you acknowledge and agree to these Terms of Service ("Terms").

If you do not agree to these Terms, you should discontinue use of this website.

2. Independent Business Relationship

This website is independently operated by an independent sales representative, agency, referral partner, contractor, or independent business utilizing Paynex-related infrastructure, services, software, technology systems, or services available through Paynex.

This website is not operated by a bank, financial institution, lender, sponsor bank, processor, or government agency.

The Agent operates independently and is solely responsible for:

  • Marketing activities

  • Business representations

  • Merchant communications

  • Client relationships

  • Sales activities

  • Website content they customize or publish

  • Compliance with applicable laws and regulations

Nothing on this website creates:

  • Employment

  • Partnership

  • Joint venture

  • Agency relationship

  • Fiduciary relationship

  • Exclusive territory rights

  • Guaranteed business relationship

The Agent may utilize systems, technology, onboarding infrastructure, CRM tools, automation systems, or related services connected to Paynex or affiliated operational platforms; however, the Agent remains an independent business operator unless otherwise expressly stated in writing.

3. No Guarantee of Approval or Funding

Submission of information through this website does not guarantee:

  • Merchant account approval

  • Payment processing approval

  • Funding

  • Business financing

  • Underwriting approval

  • Revenue increases

  • Financial results

  • Service eligibility

Approvals, underwriting decisions, processing availability, funding timelines, and account status determinations are subject to review by applicable processors, financial institutions, service providers, underwriting departments, or third-party partners.

Applications may be denied, delayed, restricted, terminated, or subject to additional review at any time.

4. Informational & Marketing Purposes Only

Content provided on this website is for informational and marketing purposes only.

Nothing on this website constitutes:

  • Legal advice

  • Financial advice

  • Tax advice

  • Compliance advice

  • Banking advice

  • Guaranteed business outcomes

Users should consult qualified professionals regarding legal, tax, accounting, financial, or regulatory matters.

5. Earnings & Savings Disclaimer

Any references to:

  • Savings

  • Revenue increases

  • Residual income

  • Business growth

  • Merchant approvals

  • Financial outcomes

  • Cost reduction

  • Processing improvements

  • Business performance

are illustrative only and are not guarantees.

Individual results vary based on:

  • Business type

  • Industry conditions

  • Processor requirements

  • Underwriting

  • Experience

  • Effort

  • Market conditions

  • Operational factors

No representation is made that any user or merchant will achieve similar results.

6. Third-Party Services & Integrations

This website may reference or integrate with third-party services including:

  • Payment processors

  • Merchant service providers

  • CRM systems

  • Software tools

  • Website providers

  • Hosting services

  • Automation systems

  • Financial service providers

  • APIs

  • Communication systems

Third-party services operate independently and may have separate terms, underwriting requirements, policies, and privacy practices.

The Agent does not control and is not responsible for:

  • Third-party outages

  • Underwriting decisions

  • Funding delays

  • Processor actions

  • Service interruptions

  • Banking restrictions

  • API failures

  • Third-party compliance actions

7. User Responsibilities

Users agree not to:

  • Submit false information

  • Commit fraud

  • Upload malicious software

  • Attempt unauthorized access

  • Misrepresent identities

  • Violate applicable laws

  • Abuse communication systems

  • Use this website for unlawful purposes

Users are responsible for ensuring that submitted information is accurate and lawful.

8. Communications Consent

By submitting forms, applications, or contact requests through this website, users consent to receive communications including:

  • Emails

  • Phone calls

  • SMS messages

  • Appointment confirmations

  • Follow-up communications

  • Operational notices

Message and data rates may apply.

Consent to communications is not a condition of purchase unless required by law.

9. Privacy & Submitted Information

Information submitted through this website may be collected, processed, stored, or shared with applicable processors, service providers, technology systems, onboarding systems, CRM systems, operational vendors, or related service providers for purposes including:

  • Merchant onboarding

  • Lead management

  • Customer support

  • Service qualification

  • Compliance review

  • Operational processing

Submission of information does not create:

  • A confidential relationship

  • Fiduciary relationship

  • Banking relationship

  • Guaranteed service relationship

Users should avoid submitting sensitive personal information unless specifically requested through authorized secure channels.

10. Intellectual Property

Website content, layouts, graphics, branding elements, and materials may contain proprietary content owned by the Agent, licensors, service providers, or third parties.

Users may not:

  • Copy website content

  • Republish materials

  • Reverse engineer systems

  • Use branding without authorization

  • Attempt unauthorized access to systems or infrastructure

11. Disclaimer of Warranties

This website and all services are provided "as is" and "as available."

The Agent makes no warranties regarding:

  • Merchant approvals

  • Funding timelines

  • Processing availability

  • Website uptime

  • Business outcomes

  • Revenue generation

  • Accuracy of third-party information

  • Continuous service availability

12. Limitation of Liability

To the fullest extent permitted by law, the Agent shall not be liable for:

  • Lost profits

  • Business interruption

  • Data loss

  • Indirect damages

  • Consequential damages

  • Third-party actions

  • Processor decisions

  • Banking restrictions

  • Compliance actions

Users access and use this website at their own risk.

13. Indemnification

Users agree to indemnify and hold harmless the Agent and related service providers from claims, damages, liabilities, losses, or expenses arising from:

  • Submitted information

  • Fraudulent activity

  • Violations of law

  • Misuse of the website

  • Violations of these Terms

14. Website Availability

This website may be modified, suspended, restricted, or discontinued at any time without notice.

Certain features may:

  • Change

  • Become unavailable

  • Be updated

  • Be removed without liability

15. Governing Law

These Terms shall be governed by the laws of the applicable state in which the Agent operates unless otherwise required by law.

Any disputes arising from use of this website shall be subject to applicable jurisdiction and venue requirements.

16. Contact Information

For questions regarding these Terms or this website, please contact the website operator directly using the contact information provided on this website.