Terms of Service

Last Updated: September 17, 2025

1. Acceptance of Terms

By accessing or using Gateway Integrations' payment processing services and communication systems ("Services"), including SMS and voice communications, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Services.

2. Description of Services

Gateway Integrations provides third-party payment processing services specifically designed for legal entities. Our services include:

• Credit card and ACH payment processing
• API integration services
• Transaction reporting and analytics
• Fraud prevention and security monitoring
• Customer support and technical assistance
• SMS and voice communication services for account notifications and customer service

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our Services, you must:

• Be a legitimate legal entity or law firm
• Be authorized to enter into this agreement
• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Maintain PCI compliance standards
• Be at least 18 years old to use SMS and voice communication services
• Be authorized to use any phone numbers provided for SMS/voice communications

3.2 Account Registration

You must provide accurate, current, and complete information during registration and update such information to maintain its accuracy. This includes keeping your contact information, including phone numbers for SMS/voice communications, current and accurate.

4. Acceptable Use Policy

4.1 Permitted Uses

• Legal fees and retainer payments
• Court filing fees and administrative costs
• Settlement and escrow transactions
• Other legitimate legal services

4.2 Prohibited Uses

• Illegal activities or money laundering
• Processing payments for non-legal services without authorization
• Circumventing security measures
• Violating any applicable laws or regulations
• Fraudulent or deceptive practices
• Using SMS/voice services for spam, harassment, or illegal communications
• Providing false phone numbers or using others' phone numbers without permission

5. Fees and Payment Terms

5.1 Processing Fees

You agree to pay all applicable processing fees as outlined in your service agreement. Fees are subject to change with 30 days' notice.

5.2 Settlement and Reserves

We may establish reserve accounts or delay settlements to manage risk, comply with regulations, or investigate potential fraud.

5.3 Communication Service Fees

SMS and voice communication services are provided at no additional charge from Gateway Integrations. However, standard carrier charges may apply based on your mobile service plan.

6. Security and Compliance

6.1 Your Responsibilities

• Maintain secure systems and PCI compliance
• Protect login credentials and account access
• Report security breaches immediately
• Comply with all applicable data protection laws
• Keep your phone number and contact information updated
• Protect your mobile device from unauthorized access

6.2 Our Responsibilities

• Maintain PCI DSS Level 1 compliance
• Implement industry-standard security measures
• Monitor transactions for fraud and suspicious activity
• Provide secure API and integration services
• Secure SMS and voice communications with encryption
• Partner only with reputable telecommunications providers

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GATEWAY INTEGRATIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE. THIS INCLUDES DAMAGES ARISING FROM SMS OR VOICE COMMUNICATION DELAYS, FAILURES, OR CARRIER ISSUES.

8. Indemnification

You agree to indemnify and hold harmless Gateway Integrations from any claims, damages, or expenses arising from your use of our Services, including SMS and voice communication services, or violation of these Terms.

9. Data Protection and Privacy

Your privacy is important to us. Please review our Privacy Policy, which governs the collection, use, and disclosure of personal information, including information related to SMS and voice communications.

10. Intellectual Property

All intellectual property rights in our Services, including software, documentation, and trademarks, remain our exclusive property.

11. Termination

11.1 Termination by Either Party

Either party may terminate this agreement with 30 days' written notice. You may opt-out of SMS and voice communications at any time without terminating your entire account.

11.2 Immediate Termination

We may immediately terminate or suspend your account for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Risk management concerns
• Misuse of SMS or voice communication services

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

12.2 Arbitration

Any disputes arising from these Terms, including disputes related to SMS and voice communication services, shall be resolved through binding arbitration in Sacramento, California, except for claims that may be brought in small claims court.

13. Force Majeure

Neither party shall be liable for delays or failures in performance due to circumstances beyond their reasonable control, including natural disasters, government actions, network outages, or telecommunications service disruptions.

14. Modifications to Terms

We may modify these Terms at any time. Material changes will be communicated with 30 days' notice via email, website posting, or SMS (if you have opted in). Continued use of our Services constitutes acceptance of modified Terms.

15. Entire Agreement

These Terms, together with your service agreement and Privacy Policy, constitute the entire agreement between you and Gateway Integrations.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.