Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the website, inquiry forms, merchant review process, communications, content, and services offered by Peptide Payment Solution (“Peptide Payment Solution,” “we,” “our,” or “us”).

By accessing this website, submitting information, requesting a merchant review, communicating with us, or otherwise using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you should not use this website or submit information to us.

2. Nature of Services

Peptide Payment Solution provides payment consultation, merchant review support, and referral or coordination services for businesses seeking payment processing options. Our services may include reviewing merchant information, assessing potential processing fit, communicating with payment processing partners, and helping merchants understand possible payment processing pathways.

Peptide Payment Solution is not a bank, card network, acquiring institution, or payment processor unless expressly stated in a separate written agreement. We may work with third-party processors, banks, acquiring institutions, underwriting partners, compliance reviewers, technology providers, and other service providers to evaluate or support merchant processing opportunities.

3. No Guarantee of Approval

Submitting an inquiry, requesting a merchant review, communicating with us, or providing business information does not guarantee approval for payment processing services.

Approval, pricing, reserves, settlement timelines, supported business types, processing limits, underwriting conditions, and availability are determined by applicable payment processing partners, acquiring institutions, banks, compliance teams, underwriting requirements, card network rules, legal requirements, and risk review.

We do not guarantee that your business will be approved, that any specific rate or reserve structure will be offered, or that processing services will remain available indefinitely.

4. Merchant Responsibilities

You are responsible for providing accurate, complete, current, and truthful information during any inquiry, review, onboarding, or underwriting process.

You agree that you will not submit false, misleading, incomplete, fraudulent, or deceptive information. You are responsible for promptly updating us if any information you provide changes.

You are solely responsible for your business operations, products, services, marketing, customer communications, legal compliance, fulfillment, refunds, chargebacks, customer disputes, licensing, regulatory obligations, and all other aspects of your business.

5. Compliance With Laws and Rules

You agree to comply with all applicable federal, state, local, and international laws, rules, regulations, payment network rules, card brand requirements, banking requirements, and processor policies that apply to your business and use of any payment processing services.

This includes, where applicable, laws and requirements related to advertising, consumer protection, product claims, health-related claims, telemarketing, eCommerce, data privacy, fraud prevention, chargebacks, refunds, fulfillment, prohibited products or services, and industry-specific compliance obligations.

6. Prohibited Conduct

You agree not to use this website, our services, or any payment processing pathway for unlawful, deceptive, abusive, fraudulent, or prohibited activity. Prohibited conduct includes but is not limited to:

• Submitting false, incomplete, or misleading business information
• Misrepresenting your business model, products, services, ownership, website, processing history, or transaction activity
• Attempting to process transactions for products or services not disclosed during review
• Using payment processing services for unlawful or prohibited products or services
• Engaging in fraud, money laundering, evasion, transaction laundering, factoring, or unauthorized aggregation
• Attempting to bypass underwriting, risk review, monitoring, card network rules, or compliance requirements
• Interfering with the security, functionality, or operation of our website or services
• Using automated tools, scraping, bots, or unauthorized access methods on our website
• Violating intellectual property, privacy, publicity, or contractual rights of others

7. Merchant Review and Underwriting

If you request a merchant review, you understand that additional information may be requested to evaluate your business. This may include business documents, ownership information, processing statements, product information, compliance documentation, chargeback history, fulfillment practices, website review, refund policies, and other underwriting materials.

You authorize Peptide Payment Solution and relevant third-party partners to review submitted information for purposes of evaluating potential payment processing options. You understand that underwriting requirements may change at any time and that additional documentation may be required before or after any initial approval.

8. Third-Party Services and Partners

Our website and services may involve or link to third-party services, payment processing partners, banks, acquiring institutions, platforms, tools, or websites. Third-party services are governed by their own terms, policies, underwriting requirements, fees, rules, and agreements.

Peptide Payment Solution is not responsible for the acts, omissions, decisions, pricing, reserves, approvals, declines, service interruptions, account holds, fund holds, chargeback decisions, settlement timing, policies, or practices of third-party processors, banks, acquiring institutions, card networks, technology providers, or other third parties.

9. Fees and Separate Agreements

Use of this website does not create a payment processing agreement, merchant account agreement, or binding commercial relationship beyond these Terms. Any fees, pricing, reserves, settlement terms, obligations, or processing conditions will be governed by separate written agreements, applications, merchant processing agreements, partner terms, or related documents, if applicable.

If a conflict exists between these Terms and a separately executed written agreement, the separate written agreement will control only with respect to the specific subject matter covered by that agreement.

10. Website Content

All content on this website is provided for general informational and business inquiry purposes only. The website may describe general payment processing challenges, industry risks, service categories, and potential review options.

Website content should not be interpreted as legal, financial, tax, compliance, banking, or regulatory advice. You should consult qualified legal, financial, tax, compliance, or regulatory professionals regarding your specific business obligations.

11. Intellectual Property

The website, design, layout, text, graphics, logos, icons, branding, images, and other materials are owned by or licensed to Peptide Payment Solution and are protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, or commercially exploit any website content without prior written permission, except as permitted by applicable law.

12. Trademarks and Card Network References

Visa and Mastercard are registered trademarks of their respective owners. Any references to Visa, Mastercard, card networks, payment brands, or related logos are for identification and informational purposes only and do not imply sponsorship, endorsement, approval, partnership, or affiliation unless expressly stated in writing.

13. Privacy

Your use of this website and submission of information are also governed by our Privacy Policy. By using the website or submitting information, you consent to the collection, use, disclosure, and processing of information as described in our Privacy Policy.

14. Confidentiality

Information submitted during merchant review may include confidential business information. We use reasonable efforts to handle submitted information responsibly and share it only as needed for business, review, underwriting, compliance, partner evaluation, legal, or operational purposes.

You acknowledge that information may need to be shared with third-party processors, banks, acquiring institutions, underwriting partners, compliance reviewers, technology vendors, or other service providers to evaluate or support payment processing options.

15. No Professional Advice

Peptide Payment Solution does not provide legal, tax, financial, medical, regulatory, or compliance advice. Any information provided through the website, email, phone calls, consultations, or other communications is for general business discussion only.

You are responsible for obtaining independent professional advice regarding your business model, products, advertising, compliance obligations, payment processing requirements, and legal responsibilities.

16. Disclaimers

The website and services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Peptide Payment Solution disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted operation, accuracy, reliability, or availability.

We do not warrant that the website will be uninterrupted, secure, error-free, free of viruses or harmful components, or that any defects will be corrected.

17. Limitation of Liability

To the fullest extent permitted by law, Peptide Payment Solution and its owners, officers, directors, employees, contractors, representatives, affiliates, partners, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, exemplary, or lost-profit damages arising out of or related to your use of the website, reliance on website content, submission of information, merchant review, third-party processing decisions, account holds, declined applications, interrupted services, settlement delays, chargebacks, business losses, or inability to obtain payment processing services.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to these Terms or your use of the website or services will not exceed one hundred dollars ($100).

18. Indemnification

You agree to indemnify, defend, and hold harmless Peptide Payment Solution and its owners, officers, directors, employees, contractors, representatives, affiliates, partners, and service providers from and against any claims, liabilities, damages, losses, costs, expenses, penalties, fines, chargebacks, disputes, or fees, including reasonable attorneys’ fees, arising out of or related to:

• Your use of the website or services
• Your business operations, products, services, marketing, or customer relationships
• Your violation of these Terms
• Your violation of any law, regulation, payment network rule, processor policy, or third-party right
• Your submission of false, misleading, incomplete, or inaccurate information
• Your chargebacks, refunds, disputes, fraud claims, fulfillment failures, or customer complaints

19. Termination or Restriction of Access

We may suspend, restrict, or terminate your access to the website, inquiry process, communications, or services at any time, with or without notice, if we believe you have violated these Terms, submitted inaccurate or misleading information, engaged in prohibited activity, created risk, or for any other business, legal, compliance, or operational reason.

20. Changes to These Terms

We may update these Terms from time to time. When updates are made, we may revise the “Last Updated” date above. Your continued use of the website or services after updated Terms are posted means you accept the revised Terms.

21. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles, unless another jurisdiction is required by applicable law or a separate written agreement.

22. Dispute Resolution

Before initiating any formal legal proceeding, you agree to first contact us and attempt to resolve the dispute informally. If a dispute cannot be resolved informally, the dispute will be handled in the appropriate state or federal courts located in California, unless otherwise required by applicable law or a separate written agreement.

23. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

24. Entire Agreement

These Terms, together with our Privacy Policy and any separate written agreement expressly entered into by you and Peptide Payment Solution, constitute the entire agreement between you and Peptide Payment Solution regarding your use of the website and related services.

25. Contact Us

If you have questions about these Terms, contact us at:

Peptide Payment Solution
Email: [email protected]
Website: peptidepaymentsolution.com