Important information about your Payanywhere account.

User Agreement.

This User Agreement (“Agreement”) is a legal agreement between you (“you”, “your”) and your payment facilitator (“PF”) governing your use of PF’s payment processing services and PF POS System, as defined below (together, the “Services”). Your PF is the entity that sent you a welcome letter following the submission of your PF Application, as defined below. If you have not retained a copy of your welcome letter, please log on to the merchant portal for the identify of your PF.

1. Relationship: PF is what is called a “Payment Service Provider” or “Payment Facilitator”. As such, PF, and not you, will serve as the merchant of record with MasterCard International, Inc., Visa International, Discover Network, PayPal, American Express and other networks or associations (the “Card Associations”) with regard to purchases (each, a “Transaction”) by your customers in which credit or debit cards bearing the service mark of VISA, MasterCard, Discover Network, PayPal, American Express or another specified network or association (each, a “Card”) are presented for payment. PF is not a bank, it does not offer banking services as defined by the United States Department of the Treasury, and it is not in the business of providing money transmission or other money service business services as defined by the U.S. Department of the Treasury. PF serves as your agent in completing Transactions with your customers. In furtherance of this relationship, you authorize PF (i) to submit Transactions to, and receive settlement from, the Card Associations and the applicable payment processors and bank sponsors through which PF processes your Transactions (collectively, “PF Providers”), (ii) to hold, receive, and disburse funds on your behalf and/or to direct PF Providers to hold, receive, and disburse funds on your behalf, and (iii) to generate a paper draft or an electronic funds transfer to process each Transaction that you authorize. Your authorizations will remain in full force and effect until your PF Account is closed or terminated. As part of your agreement to use PF, you attest that you are a Citizen of the United States, or other U.S. Person. You are considered a U.S. Person if you are a legal resident of the United States, a partnership, corporation, company, estate (other than a foreign estate), domestic trust, or association created or organized in the United States or under the laws of the United States.

2. Payment Transactions/Acceptance of Cards: You have been given a unique PF Account (the “PF Account”) through which your Transactions will be recorded by PF. Your PF Account will permit you to accept and submit Transactions using a PF POS System. Your use of the Services will be subject to, and you agree to be bound by, all of the rules and requirements of the PF Providers, as applicable to your activities under this Agreement, and as modified from time to time.

Without limitation, you agree to abide by the following terms and conditions:

a. You will accept all Cards in accordance with the rules adopted by the applicable Card Associations.

b. You will only submit valid and completed Transactions produced as a direct result of bona fide sales of goods or services made to a customer by you, and such Transactions will accurately describe the goods or services sold or delivered. All such Transactions shall be free of any liens, claims, and encumbrances other than ordinary sales taxes. You will not use the Services for any fraudulent or illegal undertaking. No Transaction will represent a sale to any principal, partner, proprietor, or owner of you, if you are an entity. There are some business types which are prohibited from using PF. By creating an account with PF you agree that you will not be accepting payments for or in connection with the following prohibited businesses:

(1) Any Illegal activities or Goods, (includes marijuana services/paraphernalia) (2) Adult Sexually Oriented Material, (3) Age Sensitive Products sold direct to consumer, (4) Business or Investment Opportunities / Multi-level marketing, (5) Business physically located outside the U.S., (6) Dating / matchmaking, (7) Deceptive/Negative marketing practices, (8) Any division or agent of a foreign government, (9) Essay Mills/Paper Mills (ghost writing), (10) Financed Payments via Card, (11) Gambling or Sports Forecasting, (12) Internet/Telecom Services, (13) Magazine Subscriptions, (14) Money services, (15) Online auctions, (16) Products or Services with Unreasonable Guarantees or Claims, (17) Travel Services (18) Government Grants or Will-Writing kits.

PF reserves the right to modify, alter, or change this list at its sole discretion at any time with or without notice.

c. You will maintain a fair policy for the exchange, refund and return of goods sold and the adjustment of services rendered. You will post that policy at or before the Transaction occurs and in accordance with the rules adopted by the applicable Card Associations, and such policy must comply with the rules adopted by the applicable Card Associations. You will not give cash refunds to a customer in connection with a Transaction, unless required by law, and not accept cash or any other item of value for preparing a Transaction refund.

d. You will not bill or collect from any customer for any purchase or payment on a Card unless a chargeback has been exercised, you have fully paid for that chargeback, and you otherwise have the right to do so.

e. You will ensure compliance with rules adopted by any Card Associations relating to the privacy and security of cardholder and card transaction data, including without limitation the Payment Application Data Security Standard (“PA DSS”) and the Payment Card Industry Data Security Standard (“PCI DSS”), as they may be amended from time to time;

f. You will maintain fraud and chargebacks below thresholds set by the Card Associations;

g. You will accept, without discrimination, all valid Cards properly presented by customers for payment for goods or services. With respect to VISA and MasterCard products, you may elect to accept credit cards or debit/prepaid cards or both, as reflected on the merchant application you completed with PF (the “PF Application”), and you must display appropriate signage to display the same. You agree to pay for any additional fees incurred as a result of your subsequent acceptance of Transactions with any VISA or MasterCard product that you have elected not to accept.

h. You may establish a minimum Transaction size for accepting Cards so long as such amount does not exceed $10, or such other amount established by law, and such minimum Transaction size requirement does not discriminate between Card issuers or between Card Associations. You may not impose a maximum Transaction size on Transactions, or add a fee to a Transaction.

i. You may offer discounts or in-kind incentives for payment by the use of cash, checks or Cards, provided that the terms of the discount or in-kind incentives do not differentiate on the basis of the Card issuer or Card Association.

j. You will not accept a Card as payment (other than for a preauthorized mail order, telephone order, or other sale), if the customer seeking to use the Card does not present the Card to permit you to examine it and obtain an imprint or otherwise use the physical Card to complete the transaction.

k. You will comply with all requirements and restrictions regarding the display of Card Association tradenames and marks, and will implement any changes to your website or otherwise that PF deems necessary or appropriate to ensure that you remain in compliance with the rules adopted by the Card Associations governing the use of Card Association tradenames and marks. You acknowledge and agree that the Card Associations are the sole and exclusive owners of their respective trade names and marks, and that you will not contest the ownership of such tradenames and marks for any reason. You also acknowledge and agree that the Card Associations may at any time, immediately and without advance notice, prohibit you from using any of its or their trade names or marks for any reason.

Any inconsistency between the rules adopted by any Card Association and this Agreement shall be resolved in favor of the rules adopted by such Card Association. You may use the Services only to the extent that you obey all laws, rules, and regulations applicable to your use of the Services. You may only use the Services in the fifty states of the United States of America and the District of Columbia. You may not act as a payment intermediary, aggregator or service bureau or otherwise resell the Services on behalf of any third party. This means that you may not use the Services to handle, process or transmit funds for any third party. You also may not use the Services to process cash advances. PF reserves the right to reject any Transaction that you submit for settlement.

3. PF Fees: You agree to pay the applicable fees listed on the PF Application (“Fees”) whenever you use the Services. You agree that if the account is not used to process a transaction for twelve (12) months, it will be considered inactive and will be subject to an inactivity fee of $3.99 beginning the 13th month of inactivity, and each month following, until processing resumes. If processing resumed on your account, the inactivity fee will no longer be charged until the next twelve (12) month period of inactivity. Subject to the terms of this Agreement, PF reserves the right to change Fees. If PF changes its Fees, it will give you thirty (30) days’ notice of any change. You will not be permitted to continue to use the Services unless you consent to the changes in Fees. To withdraw your consent, you will need to close your PF Account.

4. Next Day Funding: PF will deposit, or will direct the PF Providers to deposit, to your PF Account the amounts actually received by PF or such PF Providers for Transactions submitted through PF (less any applicable Fees). Once your bank account information is verified, PF will automatically deposit or will direct the PF Providers to deposit, your money in your designated bank account. A deposit to your bank account in connection with a Transaction will normally occur one (1) business day after the completion of that Transaction. However, Transactions may not be deemed complete in PF’s discretion until PF has or the PF Providers have, received or sent the funds and/or when PF or the designated financial institutions have accepted the Transaction or funds. PF may, in its discretion, provisionally credit, or cause the PF Providers to provisionally credit, amounts to your PF Account, subject to receipt of final payment by PF or the PF Providers in respect of a Transaction.

5. Suspension/Reserve/Recovery/Pooling of Funds: PF may temporarily suspend or delay payments to you or withhold or reserve your funds in order to secure your performance of your obligations to PF. This action may arise for any reason, including the occurrence or suspected occurrence of Transaction chargebacks or refunds, for which you are responsible. A chargeback will occur if the Transaction (a) is disputed, (b) is reversed for any reason, (c) was not authorized or PF has any reason to believe that the Transaction was not authorized, or (d) is allegedly unlawful, suspicious, or in violation of this Agreement. The amounts suspended, delayed or reserved shall be initially determined, and may be increased or decreased, in PF’s reasonable discretion as necessary to cover potential financial exposure on the part of PF. You grant PF a security interest in and lien on any and all funds held in any such reserve, and also authorize PF to make any withdrawals or debits from such reserve, without prior notice to you, to collect amounts that you owe PF. This security interest survives for as long as PF holds your funds in reserve.

PF may recover, recoup, set off or deduct the amount of any chargeback and any associated Fees, fines, or penalties listed in the PF Application or assessed by the PF Providers, or any other amounts due under this Agreement, from your PF Account (including without limitation any reserve), any proceeds due to you, your bank account, or other payment instrument registered with PF. In furtherance of this right, you authorize PF to debit your bank and/or to initiate reversal or adjustment entries with respect to your bank account. If PF is unable to recover funds for which you are liable, you will pay PF the outstanding amount immediately upon demand. You agree to pay all costs and expenses, including without limitation attorneys’ fees and other legal expenses, incurred by or on behalf of PF in connection with the collection of all such amounts, along with interest on the unpaid amount calculated at the highest legal rate.

You understand that your funds may be commingled and held with other PF merchant funds in one or more pooled accounts at one or more FDIC-insured banks by PF for the benefit of you and other PF merchants (each a “Pooled Account”). PF has sole discretion over the establishment and maintenance of any Pooled Account. You will not receive interest or any other earnings on any funds that PF handles for you. As consideration for using the services provided by PF, you irrevocably assign to PF all rights and legal interests to any interest and/or other earnings that may accrue or are attributable to its holding of your funds in a Pooled Account or reserve.

6. Transaction Errors: You are responsible for monitoring your Transactions and ensuring that PF’s payments to you are correct. You must notify PF of any errors in payments made to you within sixty (60) days of the error first appearing on your electronic transaction history. Failure to notify PF of such an error will be deemed a waiver of any right to amounts owed to you.

7. Information: You authorize PF to disclose all Transaction data and other information about you as required by the PF Providers, and their affiliates, agents, subcontractors and employees, in order to process your Transactions. You also authorize each of the foregoing parties to use such information to perform their responsibilities in connection with the programs offered by them and for such other purposes as they may reasonably deem necessary, including such purposes as are described in rules adopted by any Card Association. PF may request additional information and documentation from you at any time. PF may also ask for permission to inspect your business location. You agree to advise PF immediately of any change in the ownership or nature of your business, or in your or your business’ financial condition, location or name, or in your approved monthly Transaction volume, average ticket or description of goods sold and services provided. You authorize PF, at any time during which this Agreement remains in effect, to make any credit inquiries of you or your business, including but not limited to requesting reports from third party credit reporting bureaus.

8. Conversion to Direct Merchant: You acknowledge that you will be converted from being a merchant of PF to a direct card acceptance relationship with the applicable Card Association or PF Provider, as applicable, under the following circumstances:

a. With regard to American Express, if and when you become what American Express calls a “High CV Merchant”. Upon such conversion, (i) you will be bound by American Express’ then-current card acceptance agreement, (ii) American Express will set the discount and other fees payable by you for its Card acceptance, and (iii) you will have the option of continuing to use PF to provide Services to you subject to the terms and conditions contained in this Agreement. A High CV Merchant is one that has greater than $1,000,000 in charge volume in a rolling 12 month period, or greater than $100,000 in charge volume in any three consecutive months.

b. With regard to Visa, MasterCard, Discover, and/or PayPal if and when you exceed $100,000 in charge volume for any of the applicable Card Associations in a rolling 12 month period. Upon such conversion, and in the event that you wish to continue to accept and submit Visa, MasterCard, Discover, and PayPal Transactions, you will be bound by the terms of the card acceptance agreement attached hereto as Exhibit A (as amended in accordance with its terms, the "Direct Agreement") at the Fees, or at such discount and other fees to be determined at the time. Upon the conversion, if you continue to accept the applicable Card Association Transactions, you agree that (i) you will automatically be deemed to have accepted the Direct Agreement, without any further notice, consent or action by PF, the PF Providers or you, (ii) the PF Application will be incorporated into the Direct Agreement, (iii) the terms of the Direct Agreement will thereafter be independently enforceable against you by the PF Providers, and (iv) the Direct Agreement will replace this Agreement.

8. Conversion to Direct Merchant: You acknowledge that you will be converted from being a merchant of PF to a direct card acceptance relationship with the applicable Card Association or PF Provider, as applicable, under the following circumstances:

a. With regard to American Express, if and when you become what American Express calls a “High CV Merchant”. Upon such conversion, (i) you will be bound by American Express’ then-current card acceptance agreement, (ii) American Express will set the discount and other fees payable by you for its Card acceptance, and (iii) you will have the option of continuing to use PF to provide Services to you subject to the terms and conditions contained in this Agreement. A High CV Merchant is one that has greater than $1,000,000 in charge volume in a rolling 12 month period, or greater than $100,000 in charge volume in any three consecutive months.

b. With regard to Visa, MasterCard, Discover, and/or PayPal if and when you exceed $100,000 in charge volume for any of the applicable Card Associations in a rolling 12 month period. Upon such conversion, and in the event that you wish to continue to accept and submit Visa, MasterCard, Discover, and PayPal Transactions, you will be bound by the terms of the card acceptance agreement attached hereto as Exhibit A (as amended in accordance with its terms, the "Direct Agreement") at the Fees, or at such discount and other fees to be determined at the time. Upon the conversion, if you continue to accept the applicable Card Association Transactions, you agree that (i) you will automatically be deemed to have accepted the Direct Agreement, without any further notice, consent or action by PF, the PF Providers or you, (ii) the PF Application will be incorporated into the Direct Agreement, (iii) the terms of the Direct Agreement will thereafter be independently enforceable against you by the PF Providers, and (iv) the Direct Agreement will replace this Agreement.

9. Representations and Warranties: You confirm that: (i) you are at least 18 years of age; (ii) you are either a legal resident of the United States, a United States citizen, or a business entity authorized to conduct business by the state in which it operates; (iii) you are eligible to register for and use the Services; (iv) the name identified by you when registering for the Services is your legal name or business name under which you sell goods and services; (v) all information contained in your completed PF Application is true and correct in all respects; and (vi) this Agreement is your valid and binding obligation, and does not violate any provisions of law, or conflict with any other obligations to which you are subject.

10. No Assignment: You may not assign or transfer to any third party this Agreement or any payments due to you in connection with your Transactions.

11. Third Party Rights: You hereby authorize the PF Providers, and their affiliates, agents, subcontractors and employees, to enforce the terms of this Agreement as against you, without establishing any obligation on their part to do so. You also authorize the PF Providers to use your name, address, and website address in any media from time to time. You also acknowledge and agree that the Card Associations have the right to enforce any provisions of their rules against you, and to prohibit you from engaging in any conduct that they deem could injure or could create a risk of injury to them, and that you will not take any action that could interfere with or prevent the exercise of such rights by the Card Associations.

12. PF Provider Agreements: PF is a party to certain other agreements with the PF Providers. You acknowledge that you are not a beneficiary under any of those agreements. You also agree to abide by all limitations of liability contained in those agreements with respect to such PF Providers.

13. Wireless Carriers: PF does not warrant that the Services will be compatible with your mobile device or third party carrier. Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer and your carrier.

15. Disclosures and Notices: You confirm that you have become a party to, and become bound by, this Agreement by completing the PF Application and accepting it electronically over the Internet or through your wireless carrier. This is done by clicking or entering "I Agree" where requested on an electronic version of the PF Application. By providing this consent, you acknowledge that you have received and reviewed all applicable pages, terms and conditions of this Agreement and the Direct Agreement.

16. Termination: PF or you may terminate this Agreement for any or no reason, and at any time. In order to terminate this Agreement, you must close your PF Account, at which time all pending Transactions will be cancelled. This Agreement will immediately and automatically terminate to the extent any PF Provider deregisters PF. Any funds held by PF for you at the time of closure or termination, less any applicable Fees, will be paid out to you, subject to PF's rights to suspend, delay or reserve funds. All provisions of this Agreement necessary to accomplish or enforce this Agreement shall survive the termination of this Agreement.

17. PF POS System: A PF POS System is any point of sale system, including tablets, Card readers, printers, cash draws, dongles, and associated devices, software, components, content, information, data, media, materials, and “online” or electronic documentation or files, delivered to you in connection with the Services, which enables you to accept credit card and/or debit card payments on purchases by customers, including but not limited to all intellectual property rights associated with such system. You may elect to receive a PF POS System in one of two ways, as designated in the PF Application: (i) through PF’s placement or licensing of that system; or (ii) through PF’s sale of that system.

If you have elected to receive a placement of a PF POS System (a “Placed PF POS System”), then the following terms and conditions shall apply to such placement: (a) you agree that the Placed PF POS System is PF ’s property, is being licensed to you, and must be returned to PF in good and working condition within ten (10) days of the termination or expiration of this Agreement; (b) if the Placed PF POS System is not returned within ten (10) days, you agree to pay PF the value of such equipment, which shall be the same as the amount PF charges for the same equipment to PF’s other merchants; (c) you agree to pay the license fee, as set forth in the PF Application, if any, on the Placed PF POS System, plus the applicable sales or use taxes, beginning in the month the Placed PF POS System is received by you and continuing until the Placed PF POS System is returned by you or this Agreement is terminated or expires; (d) you agree to be responsible for any damage to the Placed PF POS System as a result of misuse or negligence; and (e) you agree to pay PF a shipping/handling charge for each delivery of replacement Placed PF POS Systems, regardless of the reason. Notwithstanding the foregoing, if you subscribe to certain level(s) of PF’s “Mybizperks Program”, you will not be responsible for failure of a Placed PF POS System for any reason, so long as such Placed PF POS System is returned to PF. Under this program, PF will also provide overnight replacement of a Placed PF POS System free of shipping/handling charges, after remote troubleshooting efforts are unsuccessful. The replacement Placed PF POS System may be new or refurbished, or a different brand or model, and such replacements are limited to two (2) in any consecutive twelve (12) month period.

If you have purchased a PF POS System (a “Purchased PF POS System”), then the following terms and conditions shall apply to such purchase: (a) you agree to pay the purchase price of the Purchased PF POS System, plus the applicable sales or use taxes, and shipping/handling charges, as set forth in the PF Application; and (b) upon PF’s receipt of full payment of the purchase price and applicable sales or use taxes, the Purchased PF POS Systems will become your property, subject to the restrictions set forth in this Agreement.

With regard to any PF POS System received by you, whether placed or sold: (a) you agree to indemnify and hold PF harmless from and against any and all liabilities, losses, claims, damages, disputes, offsets, claims or counterclaims of any kind in any way related to the use (or misuse) of the PF POS System, which includes any damage resulting from an act of nature, fire, or theft, or from misuse or negligence by you or your agents; (b) you agree to use the PF POS System only to process Transactions through PF, and only in accordance with this Agreement and PF’s, or its manufacturers’, instructions and requirements; (c) you agree not to reverse engineer, jailbreak, disassemble, disable or modify the PF POS System, or any components thereof, in any way, work around, bypass or circumvent any of the technical limitations of the PF POS System or and components thereof, wipe, delete or alter in any way the operating system or preset configurations of the PF POS System, or do anything else that would interfere with the authorized and intended working and use of the PF POS System; (d) you agree that you may only install, access and use PF POS System with compatible devices, and you will run a validly licensed copy of the operating system for which the PF POS System was designed (devices with disabled hardware and software controls are not compatible devices, and your use of any such modified device in connection with the PF POS System is expressly prohibited); and (e) you agree that you will only permit duly trained and authorized persons to use or access the PF POS System. You agree that you may not , nor may you permit any third party to, resell, lease or distribute in any way the PF POS System. Please refer to Section 23 below for a discussion of applicable, limited warranties relating to the PF POS System.

18. PF Ownership/License: You agree that the PF Provider’s name and mark are owned by the respective PF Provider, and that the respective PF Provider owns the title, copyright and all other worldwide intellectual property rights associated therewith. The Services are protected by the copyright laws of the United States, international treaties and conventions, and other laws. Except as otherwise expressly stated below, you have no intellectual property rights in the Services, and PF reserves all rights not expressly granted to you under this Agreement.

PF grants you a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use the Services in accordance with this Agreement. You may not, nor may you permit any third party to do any of the following: (i) access or monitor any material or information on the PF POS System or any other PF system using any manual process or robot, spider, scraper, or other automated means unless expressly authorized by PF; (ii) copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material or information from PF; (iii) permit any third party to use and benefit from the Services; (iv) transfer any rights granted to you under this Agreement; (v) work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services, except to the extent that such restriction is expressly prohibited by law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by PF’s other users, or impose an unreasonable or disproportionately large load on PF’s infrastructure; or (vii) otherwise use the Services except as expressly allowed under this Agreement. You may not export the Services directly or indirectly, and you acknowledge that the Services may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII). You must comply with all laws when using the Services, as well as all applicable copyright, trademark or other legal notices or restrictions.

18. PF Ownership/License: You agree that the PF Provider’s name and mark are owned by the respective PF Provider, and that the respective PF Provider owns the title, copyright and all other worldwide intellectual property rights associated therewith. The Services are protected by the copyright laws of the United States, international treaties and conventions, and other laws. Except as otherwise expressly stated below, you have no intellectual property rights in the Services, and PF reserves all rights not expressly granted to you under this Agreement.

PF grants you a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use the Services in accordance with this Agreement. You may not, nor may you permit any third party to do any of the following: (i) access or monitor any material or information on the PF POS System or any other PF system using any manual process or robot, spider, scraper, or other automated means unless expressly authorized by PF; (ii) copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material or information from PF; (iii) permit any third party to use and benefit from the Services; (iv) transfer any rights granted to you under this Agreement; (v) work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services, except to the extent that such restriction is expressly prohibited by law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by PF’s other users, or impose an unreasonable or disproportionately large load on PF’s infrastructure; or (vii) otherwise use the Services except as expressly allowed under this Agreement. You may not export the Services directly or indirectly, and you acknowledge that the Services may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII). You must comply with all laws when using the Services, as well as all applicable copyright, trademark or other legal notices or restrictions.

19. Support Services/Updates/Modifications/Discontinuance: PF may provide you with support services related to the PF Services. Any supplemental software code or hardware provided to you as part of such support services will be considered part of the Services and subject to this Agreement. If you are accessing the Services via a distribution channel (hereinafter, a "Distribution Channel"), such as Google play, the Apple App Store or the Android Marketplace, you acknowledge that the Distribution Channel is not a party to this Agreement, that PF is solely responsible for the Services, and that the Distribution Channel will not provide you with support or maintenance of the Services. PF may in its sole discretion from time to time update or modify, or at any time discontinue, temporarily or permanently, your access to or use of the Services, or any part thereof, without notice.

PF may also impose certain limits on certain features or restrict your access to part or all of the Services without notice. You acknowledge and agree that even if a copy of PF's software continues to reside on your device after such action, the Services may not work as they did prior to such action. PF shall have no liability to you or any third party for any of the foregoing actions.

20. Content and Data: In using the Services, you will be delivering or uploading data to PF-owned or third party servers (hereinafter referred to as "Account Content"). You will not upload any Account Content unless you have created the data yourself, or you have permission from the owner thereof to do so. You are solely responsible for the export of your Account Content to your local computer or device to the extent that it may reside within the PF POS System. Your Account Content maintained within the PF POS System may be deleted by PF at any time on or after the ninetieth (90th) day following termination of your use of the PF POS System.

You grant PF a worldwide, non-exclusive, royalty-free, fully-paid, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display any your Account Content throughout the world in any media in order to provide and promote the Services, the PF POS System and PF's business. You will retain your rights in Account Content, subject to the rights granted to PF herein.

You agree not to upload Account Content or otherwise post, transmit, distribute, or disseminate through the PF POS System any material or data that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches any duty toward or rights of any person or entity, including rights of publicity, privacy, copyright or trademark; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with PF's or its partners' products and services, as determined by PF in its sole discretion; or (f) in PF's sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose PF, its respective business partners, third-party suppliers and providers, licensors, officers, directors, employees, distributors, agents and/or customers to harm or liability of any nature.

Although PF has no obligation to screen, edit, or monitor any Account Content, PF reserves the right, and has sole discretion, to remove, screen, edit, or disable any Account Content at any time and for any reason without notice. PF assumes no responsibility or liability for any Account Content, including any loss or damage to any Account Content.

PF may share Account Content with third parties, and PF is not responsible for the use or treatment of such data by such third parties. If you instruct PF to share Account Content with third parties, you agree to indemnify, defend, protect and hold PF, and its business partners, third-party suppliers and providers, licensors, officers, directors, employees, distributors, agents and affiliates (hereinafter referred to collectively as the "PF Parties") harmless from and against any and all third party damages, losses, claims and expenses, including but not limited to governmental penalties and reasonable attorneys' fees, which may be asserted against or incurred by PF Parties or any affiliate arising out of or resulting from the sharing, use or ownership of such data.

You understand and acknowledge that PF is not responsible for the delivery of or access to Account Content. PF will use reasonable efforts to ensure that Account Content uploaded on to the PF POS System is accessible on a 24/7 basis. However, there will be occasions when the PF POS System will be interrupted for maintenance, upgrades and repairs, or because of failure of telecommunications that are beyond PF's control. PF will not be liable to you for any suspension or interruption of the PF POS System.

Due to the open nature of Internet communications, no data transmission over the Internet can be guaranteed to be secure, and thus PF cannot guarantee that communications between you, on the one hand, and PF, on the other, will be free from unauthorized access by third parties.

21. Account and Password: To use the PF POS System, you may be assigned a user ID and temporary password. If assigned, you will be asked to change that temporary password. You will: (i) keep the user ID and password confidential; (ii) not allow any other entity or person to use the user ID or password or gain access to the PF POS System or Account Content; (iii) be liable for all action taken by any user of the user ID or password; and (iv) promptly notify PF if you believe the user ID or password has been stolen or used inappropriately, or if the confidentiality or security of the information or systems made available through such use has been compromised. The use of the user name does not grant you ownership of such user name, which is retained by PF. PF may revoke your user name at any time for any or no reason and without liability to you.

22. Indemnification: You will indemnify, defend, and hold PF and the PF Providers harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, fines, interest, and expenses (including without limitation reasonable attorneys' fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in this Agreement; (b) your wrongful or improper use of the Services; (c) any transaction submitted by you through the Services; (d) your violation of any third-party right, including without limitation any right of privacy, publicity rights or intellectual property rights; (e) your violation of PA DSS, PCI DSS, or any law, rule or regulation of the United States or any other country; (f) any other party's access and/or use of the Services with your username, password or other appropriate security code.

23. Warranties: EXCEPT AS EXPRESSLY PROVIDED BELOW, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. USE OF THE SERVICES IS AT YOUR OWN RISK. EXCEPT AS EXPRESSLY PROVIDED BELOW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PF OR THROUGH THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, PF DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR FREE OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.

The following express, limited warranties shall apply with respect to each PF POS System:

(1) PF warrants all tablets and Card readers sold or placed with you against defects in materials and workmanship under normal use for a period of one (1) year from the date delivered to you. PF will replace such defective tablet or Card reader at no cost to you. However, you must return the defective tablet or Card reader to PF at the designated address and in the designated box, with all accessories, cords, cables, parts and documentation included, within fourteen (14) days of receiving your replacement tablet or Card reader, as applicable. In the event you fail to return your defective tablet or Card reader pursuant to the process and time frame specified, PF will charge your bank account and/or pursue other available collection remedies. Such replacement is your sole and exclusive remedy for defects in your PF POS System. This limited warranty is only available to you as the original purchaser of a tablet or Card reader. Warranty coverage terminates if you sell or transfer your tablet or Card reader. No reseller, agent, or employee is authorized to make any modification, extension, or addition to this limited warranty.

This limited warranty does not apply to tablets or Card readers that have been subject to alteration, repair, tampering, accident, abuse, misuse, fire, acts of god (including, without limitation, earthquake, flood, hurricane, lightning, or tornado) or other external causes. This limited warranty does not apply to any third party hardware such as, without limitation, any printers or cash drawers, any consumable parts, including batteries, or any software, even if resold or included with the tablet or Card reader. All third party hardware resold or included by PF is provided solely according to the warranty and other terms specified by the manufacturer, who is solely responsible for service and support for its product. For service, support, or warranty assistance, you should contact the manufacturer directly.

(2) If you are not fully satisfied with your tablet, Card reader, printer, cash drawer or other equipment comprising the PF POS System, you may return it within thirty (30) days of delivery so long as they are in their original condition and packaging and you enclose the original packaging slip. Tablet returns must be unopened. PF does not accept returns of tablets where any part of the original packaging has been opened, broken, or altered. PF will refund your purchase price in full and cover the cost of return shipping. You must return all cords, cables, parts and documentation that were included with the original package. PF POS Systems purchased from PF through an installment plan are not eligible for partial returns, and must be returned with all other products included in the installment plan purchase. Refunds will be applied to the original purchase method. Only PF POS Systems purchased directly from PF can be returned to PF. A restocking fee may apply to all returns that are in open packages.

24. Limitation of Liability: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PF OR THE PF PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICE. UNDER NO CIRCUMSTANCES WILL PF OR THE PF PROVIDERS BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR PF ACCOUNT, OR THE INFORMATION CONTAINED THEREIN. IN NO EVENT SHALL PF OR THE PF PROVIDERS BE LIABLE TO YOU FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AMOUNT OF FEES EARNED BY PF IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. PF is not responsible for any liabilities, losses, claims, or damages of any kind in any way to any device(s) with which the Services are used, or to the software, applications or data downloaded or maintained on such device(s). You acknowledge that any software or content downloaded or otherwise obtained in connection with the Services is downloaded at your own risk and that you will be solely responsible for any damage to your property or loss of data that results from such download.

25. Governing Law: This Agreement and any dispute relating to it will be governed by Michigan law as applied to agreements entered into and to be performed entirely within Michigan, without regard to its choice of law or conflicts of law principles that would require application of law of a different jurisdiction.

26. Disputes: PF and you each agree that any dispute or claim arising out of or relating to this Agreement or the Services (each, a "Dispute"), shall be settled by following the procedures:

a. The party initiating the Dispute shall contact the other party and provide a written description of the Dispute, all relevant documents/information and the proposed resolution (the "Claim Notice"). You agree to contact PF by calling or writing to: Claims Administrator, 250 Stephenson Hwy, Troy Michigan 48083, Tel. No. 1-855-733-7264.

b. The Claims Administrator for PF and you shall then seek in good faith to resolve the Dispute. As part of this process, each party to the Dispute shall provide a monetary amount that, if paid to the party initiating the Dispute, would settle the Dispute (the "Settlement Amount"). If the parties do not agree to a Settlement Amount, or the parties are otherwise unable to settle the Dispute within thirty (30) days of the date of delivery of the Claim Notice, then the parties shall proceed to arbitration, as set forth below.

c. IN THE ABSENCE OF RESOLVING THE DISPUTE, AND INSTEAD OF SUING IN COURT, PF AND YOU AGREE TO SETTLE AND RESOLVE FULLY AND FINALLY ALL DISPUTES EXCLUSIVELY BY ARBITRATION, EXCEPT IN THE FOLLOWING LIMITED CIRCUMSTANCES: (I) PF OR YOU MAY COMMENCE AN INDIVIDUAL ACTION IN SMALL CLAIMS COURT WHERE THE AMOUNT OF THE DISPUTE DOES NOT EXCEED THE JURISDICTIONAL LIMIT OF SUCH COURT; AND (II) YOU MAY FILE A DISPUTE WITH ANY FEDERAL, STATE OR LOCAL GOVERNMENTAL AGENCY THAT CAN, IF THE LAW SO AUTHORIZES, SEEK RELIEF AGAINST PF. THE AGREEMENT TO HAVE DISPUTES RESOLVED BY ARBITRATION IS MADE WITH THE UNDERSTANDING THAT EACH PARTY IS IRREVOCABLY, KNOWINGLY AND INTELLIGENTLY WAIVING AND RELEASING ITS RIGHT TO LITIGATE DISPUTES THROUGH A COURT AND TO HAVE A JUDGE OR JURY DECIDE DISPUTES.

d. The foregoing arbitration shall be administered by the American Arbitration Association (the "AAA") in accordance with its Commercial Arbitration Rules in effect when a Claim Notice is duly provided under this Section 26. If any AAA procedure or rule conflicts with the terms of this Agreement, the terms of this Agreement apply.

e. The arbitration set forth in this Agreement and any proceedings thereunder shall be governed by the Federal Arbitration Act (the "FAA"), 9 U.S.C. Sections 1-16. Any award by the arbitrator may be entered as a judgment in any court having jurisdiction. Any arbitrator's decision and award is final and binding, subject only to those exceptions under the FAA. The award of the arbitrator shall be accompanied by a reasoned opinion. PF and you agree the FAA's provisions, not state law, govern all questions of whether a Dispute is subject to arbitration.

f. Unless PF and you agree otherwise, the foregoing arbitration will be conducted by a single neutral arbitrator selected by utilizing the process provided in the AAA's Commercial Arbitration Rules in effect when Claim Notice is duly filed. The arbitrator shall be a licensed attorney and/or retired judge. Except as otherwise provided below, the arbitration shall be conducted in the county where the principal address of the party against whom the Dispute is initially commenced is located - and for any claim against PF, that address shall be the address of the Claims Administrator. The federal or state law that applies to this Agreement will apply during the arbitration.

g. For Disputes of $10,000.00 or less that are initiated by you ("Small Disputes"), the following rules shall apply notwithstanding anything to the contrary in the procedures or rules of the AAA and/or in this Agreement: (1) the arbitration shall be conducted in accordance with the AAA's Expedited Procedures; (2) the arbitrator shall include a finding as to whether the initiation of such Dispute was frivolous and, if it is determined by the arbitrator not to be frivolous, then PF shall pay the fees and costs assessed by the AAA in administering the arbitration; (3) If the arbitrator finds that PF is liable to you for an amount greater than the Settlement Amount presented by PF prior to the commencement of arbitration (after all offsets and counterclaims are applied), then PF shall be required to pay in addition to any award of the arbitrator an amount equal to the greater of (x) $1,000.00, or (y) twice the amount of your reasonable attorneys' fees; (4) you may choose to conduct the arbitration in the state of your principal address. h. PF AND YOU EACH AGREES NOT TO PURSUE ARBITRATION ON A CLASS-WIDE BASIS. ARBITRATION WILL BE CONDUCTED SOLELY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. PF and you each waives the right to trial by jury of any Dispute.

27. Right to Amend: PF may change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Services with notice that PF in its sole discretion deems to be reasonable in the circumstances. Any use of the Services after PF's publication of any such changes shall constitute your acceptance of this Agreement as modified.

28. Entire Agreement: This Agreement, including the PF Application, any schedule of fees, and information contained in websites or electronic links referenced in this Agreement, expresses the entire understanding of the parties with respect to its subject matter. Reference to "this Agreement" also includes all documents, websites and electronic links incorporated into this Agreement by reference.

29. Notices; Consent to Electronic Communications: You agree to the receipt of electronic communications by email or by the posting of such information by PF at one or more of its sponsored Internet websites. In addition, all notices and other communications required or permitted under this Agreement by PF to you may also be delivered by FAX, overnight carrier or first class mail, postage or other charges prepaid. All notices and other communications required or permitted under this Agreement by you to PF shall be delivered by you by overnight carrier or certified mail, postage or other charges prepaid, addressed and transmitted as set forth below.

30. Consent to Text Messages: YOU HEREBY AUTHORIZE PF TO SEND, AND YOU CONSENT TO THE RECEIPT OF,"SMS" (I.E., "TEXT") ALERTS, FOR THE FOLLOWING DESIGNATED PURPOSES: (I) TO NOTIFY YOU WHEN YOUR APPLICATION IS APPROVED OR ACTIVATED, OR WHEN YOUR EQUIPMENT IS SHIPPED OR REPAIRED; (II) TO NOTIFY YOU THAT PF NEEDS ADDITIONAL INFORMATION TO COMPLETE YOUR APPLICATION, TO SECURE APPROVAL, OR TO AUTHENTICATE YOUR APPLICATION OR YOU; (III) TO NOTIFY YOU OF NEW PRODUCTS OR FEATURES OFFERED BY PF; (IV) TO NOTIFY YOU THAT PF IS TRYING TO REACH YOU; (V) TO NOTIFY YOU OF CUSTOMER SERVICE ISSUES; (VI) TO NOTIFY YOU OF SERVICE OUTAGES; (VII) TO PROVIDE YOU WITH INFORMATION REGARDING ACCOUNT BALANCES, CARD TRANSACTIONS, CHARGEBACKS, RESERVES, AND SIMILAR MATTERS; AND (VIII) TO NOTIFY YOU OF ANY MATTERS RELATING TO YOUR MERCHANT ACCOUNT. YOU UNDERSTAND THAT YOU WILL RECEIVE FUTURE SMS ALERTS FOR THE AFOREMENTIONED PURPOSES BY OR ON BEHALF OF PF TO THE WIRELESS PHONE NUMBER DESIGNATED IN THE MERCHANT APPLICATION AND, HAVING RECEIVED AND REVIEWED THESE DISCLOSURES, YOU UNAMBIGUOUSLY AUTHORIZE PF TO DELIVER OR CAUSE TO BE DELIVERED, AND AGREE TO RECEIVE, VOICE AND SMS ALERTS USING AN AUTOMATIC TELEPHONE DIALING SYSTEM OR AN ARTIFICIAL OR PRERECORDED VOICE. YOU ACKNOWLEDGE THAT THE WIRELESS PHONE NUMBER PROVIDED IS IN YOUR NAME AND CONTROLLED BY YOU, THAT YOUR CONSENT IS VOLUNTARY AND NOT REQUIRED (DIRECTLY OR INDIRECTLY) AS A CONDITION TO YOUR RECEIVING PRODUCTS OR SERVICES FROM PF OR ITS AFFILIATED COMPANIES IN ACCORDANCE WITH THIS AGREEMENT, AND THAT YOU HAVE THE RIGHT TO WITHDRAW THIS CONSENT AT ANY TIME BY PROVIDING PF WITH WRITTEN NOTICE OF SUCH WITHDRAWAL IN ACCORDANCE WITH SECTION 29 ABOVE.