Terms of Service

Last updated: January 1, 2025

1. Acceptance of Terms

By accessing or using the services provided by Partner Payments ("Company," "we," "our," or "us"), including our website at partner-payments.com, APIs, and payment processing platform (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Services.

These Terms constitute a legally binding agreement between you (whether an individual or entity) and Partner Payments. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Services

Partner Payments provides collaborative payment infrastructure services, including but not limited to:

• Payment processing and transaction facilitation
• Partner network integration and management
• Multi-channel payment acceptance (cards, ACH, wire, digital wallets)
• Analytics, reporting, and compliance tools
• API access for custom integrations

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time with reasonable notice.

3. Account Registration and Eligibility

To use certain features of our Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 18 years old and capable of forming a legally binding contract to use our Services. Businesses must be legally registered and in good standing.

4. Payment Terms

By using our payment processing services, you agree to:

• Pay all applicable fees as outlined in your service agreement
• Comply with all applicable payment card network rules and regulations
• Ensure sufficient funds or credit for all transactions
• Not use our services for prohibited transactions (as defined by law or card network rules)

Transaction fees, settlement schedules, and payment terms will be specified in your individual partner agreement. We reserve the right to adjust fees with 30 days' prior written notice.

5. Acceptable Use

You agree not to use our Services to:

• Violate any applicable laws, regulations, or third-party rights
• Process transactions for illegal goods or services
• Engage in fraudulent, deceptive, or misleading practices
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the integrity or performance of our Services
• Reverse engineer, decompile, or disassemble any aspect of our platform

6. Compliance

You agree to comply with all applicable laws and regulations, including but not limited to:

• Anti-money laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Payment Card Industry Data Security Standard (PCI DSS)
• Office of Foreign Assets Control (OFAC) sanctions
• All applicable federal, state, and local regulations

You agree to cooperate with our compliance team and provide any information or documentation reasonably requested for compliance verification.

7. Intellectual Property

All content, trademarks, logos, software, and intellectual property associated with the Services are owned by or licensed to Partner Payments. You may not use, reproduce, or distribute any of our intellectual property without prior written consent.

You retain ownership of all content and data you submit through our Services. By using our Services, you grant us a limited license to use your data solely for the purpose of providing and improving our Services.

8. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or confidential information shared during the course of the business relationship. This obligation survives termination of these Terms.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PARTNER PAYMENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE USE OF OUR SERVICES.

Our total liability for any claim arising under these Terms shall not exceed the total fees paid by you to Partner Payments during the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Partner Payments, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights.

11. Termination

Either party may terminate this agreement with 30 days' written notice. We may suspend or terminate your access immediately if you violate these Terms or engage in activity that poses a risk to our platform, partners, or users.

Upon termination, all outstanding fees become immediately due. Provisions that by their nature should survive termination (including confidentiality, indemnification, and limitation of liability) will survive.

12. Dispute Resolution

Any disputes arising from these Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions. Any legal proceedings shall be brought exclusively in the courts of Virginia.

13. Modifications

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after changes are posted constitutes acceptance of the modified Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with your individual partner agreement and our Privacy Policy, constitute the entire agreement between you and Partner Payments regarding the use of our Services and supersede all prior agreements and understandings.

16. Contact

For questions about these Terms of Service, please contact us: