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Legal

Terms of use

Effective [EFFECTIVE DATE]

1. Agreement

These terms govern your use of riskvantageconsulting.com (the "Site"), operated by [LEGAL ENTITY NAME] ("RiskVantage Consulting", "we", "us"). By using the Site, you agree to these terms and to our privacy policy. If you do not agree, please do not use the Site.

2. What we do

RiskVantage Consulting is a payment consulting firm. We help businesses prepare for and obtain merchant processing accounts with third-party payment processors and acquiring partners, and we provide related advisory services such as statement audits and compliance reviews.

  • We are not a bank or a payment processor. Merchant accounts, underwriting, approval, settlement, reserves and fees are provided and decided by the processor or acquiring bank, under their own agreements with you.
  • No guarantee of approval. Submitting a a consultation request, an application or documents does not guarantee approval, specific rates, reserve terms or timelines.
  • How we are paid. Our consultation and statement audit are free to you. We are compensated by the processors we place clients with. [Attorney to confirm required agent or ISO disclosure]

3. Free tools and information

The calculators, checklists, blog and other content on the Site are for general information only. Results are estimates based on the numbers you enter and on general industry patterns. Card network programs, thresholds and processor policies change and vary. Nothing on the Site is legal, tax, accounting or financial advice. Consult your own professional advisors before making decisions.

4. Your responsibilities

  • Provide information that is accurate and complete, and keep it current.
  • Use the Site only for lawful purposes. We do not assist businesses selling products or services that are illegal where they operate or sell.
  • Do not misrepresent your identity, your business or its owners, to us or to any processor.
  • Do not interfere with the Site's operation, attempt unauthorized access, or use automated means to scrape it.

5. Documents and communications

We do not accept identification or bank documents through the Site. Send documents only by the method your advisor gives you: email or a processor's secure portal. By contacting us, you agree we may reply by email or phone about your request.

6. Third-party services

The Site may link to or rely on third-party services, including payment processors, gateways and software providers. We are not responsible for their content, policies or performance, and your use of them is governed by their terms.

7. Intellectual property

The Site's content, design, logos and tools belong to RiskVantage Consulting or its licensors and are protected by law. You may view and print pages for your own business use. You may not copy, modify or redistribute them without our written permission.

8. Disclaimers

The Site is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted or error-free.

9. Limitation of liability

To the fullest extent permitted by law, RiskVantage Consulting will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from your use of the Site or its tools, or from decisions made by any processor or bank. [Attorney to set any liability cap]

10. Indemnity

You agree to indemnify and hold RiskVantage Consulting harmless from claims arising from your misuse of the Site, your violation of these terms, or inaccurate information you provide.

11. Governing law

These terms are governed by the laws of the State of [STATE], without regard to conflict-of-law rules. Disputes will be resolved in the courts located in [COUNTY, STATE]. [Attorney to decide on arbitration clause]

12. Changes

We may update these terms. The effective date at the top shows when they last changed. Continued use of the Site after a change means you accept the updated terms.

13. Contact

[LEGAL ENTITY NAME] · [MAILING ADDRESS]
josh@riskvantageconsulting.com