Terms of Service

Last Updated: January 1, 2024

1. Acceptance of Terms

By accessing or using Gateway Integrations' payment processing services ("Services"), 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

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

3.2 Account Registration

You must provide accurate, current, and complete information during registration and update such information to maintain its accuracy.

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

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.

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

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

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.

8. Indemnification

You agree to indemnify and hold harmless Gateway Integrations from any claims, damages, or expenses arising from your use of our 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.

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.

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

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 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, or network outages.

14. Modifications to Terms

We may modify these Terms at any time. Material changes will be communicated with 30 days' notice. 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.