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Terms of Service

Effective Date: March 27, 2026

Welcome to PayUniverse. By accessing or using our services, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By creating an account and using the PayUniverse platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

2. Services

PayUniverse provides merchant processing services including payment processing, account management, and related financial services. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.

3. Account Registration

You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Merchant Obligations

As a merchant, you agree to:

• Comply with all applicable laws and regulations
• Provide truthful business information and documentation
• Maintain proper records of transactions
• Promptly notify PayUniverse of any changes to your business information
• Not engage in fraudulent or deceptive practices

5. Fees and Payments

Processing fees, rates, and charges will be outlined in your merchant agreement. PayUniverse reserves the right to adjust fees with prior notice. You are responsible for all fees incurred through your account.

6. Termination

Either party may terminate this agreement with written notice. PayUniverse reserves the right to suspend or terminate accounts that violate these terms or engage in prohibited activities.

7. Limitation of Liability

PayUniverse shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services. Our total liability shall not exceed the fees paid by you in the twelve months preceding the claim.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes shall be resolved through binding arbitration.

9. Contact

For questions about these Terms, contact us at [email protected].

Privacy Policy

Effective Date: March 27, 2026

PayUniverse is committed to protecting your privacy. This policy describes how we collect, use, and safeguard your personal information.

1. Information We Collect

We collect information you provide during registration and use of our services, including:

• Personal Information: Name, email address, phone number, business name
• Business Documentation: Documents uploaded as part of your merchant application
• Financial Information: Banking details and transaction data necessary for payment processing
• Usage Data: Information about how you interact with our platform

2. How We Use Your Information

We use your information to:

• Process and manage your merchant account application
• Provide payment processing services
• Communicate with you about your account and our services
• Comply with legal and regulatory requirements
• Prevent fraud and enhance security

3. Information Sharing

We do not sell your personal information. We may share your information with:

• Payment processors and banking partners necessary to provide our services
• Regulatory authorities when required by law
• Service providers who assist in operating our platform

4. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure.

5. Data Retention

We retain your information for as long as your account is active and as required by applicable regulations. You may request deletion of your account and associated data by contacting us.

6. Your Rights

You have the right to access, correct, or delete your personal information. You may also opt out of marketing communications at any time.

7. Contact

For privacy-related inquiries, contact us at [email protected].

Electronic Signature Consent

Effective Date: March 27, 2026

By consenting to this E-Sign disclosure, you agree to conduct business with PayUniverse electronically.

1. Consent to Electronic Communications

By checking the consent box during registration, you agree to receive all communications, agreements, documents, notices, and disclosures electronically. This includes but is not limited to:

• Account registration confirmations
• Application status updates
• Merchant agreements and amendments
• Fee schedules and rate changes
• Legal and compliance notices
• General correspondence regarding your account

2. Hardware and Software Requirements

To receive electronic communications, you will need:

• A computer or mobile device with internet access
• A current web browser that supports TLS 1.2 or higher
• A valid email address
• Sufficient storage space or a printer to retain copies of communications

3. Withdrawing Consent

You may withdraw your consent to receive electronic communications at any time by contacting us at [email protected]. Please note that withdrawing consent may limit our ability to service your account.

4. Paper Copies

You may request paper copies of any electronic communication by contacting us. Standard fees may apply for paper delivery.

5. Updating Contact Information

It is your responsibility to keep your email address and contact information current. You can update your information through your account profile or by contacting support.

6. Federal Law

This consent is provided pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.