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Agreeing to these terms
These Terms of Use apply to your use of this website, operated by Pay Mountain (“Pay Mountain,” “we,” “us,” or “our”). By using the site, you agree to these terms. If you do not agree, please do not use the site.
If you use the site on behalf of a business, you agree to these terms for that business and confirm that you have the authority to do so. Our Privacy Policy explains how we handle personal information.
This site is for information
The content on this site is general information about payment processing and how we work. It is not an offer of credit or services, and it is not legal, tax, or financial advice. Your situation may differ from the examples we describe, so please talk with us, and with your own advisors where appropriate, before making decisions.
What Pay Mountain does
We work with banking and processing partners. We help businesses understand their options, match them with a partner that may be a fit, and prepare and submit merchant account applications on their behalf.
Pay Mountain is not a bank and does not process payments. If your application is approved, your merchant processing agreement is between your business and the bank or processor that approves it. That agreement, not these terms, governs your account, including its pricing, fees, reserves, funding schedules, and any other conditions.
No guarantee of approval, rates, or timing
Approval decisions are made by banks and processors, not by Pay Mountain. Each one applies its own underwriting standards and may approve, decline, or set conditions on an application at its sole discretion.
We do not guarantee that any application will be approved, or that you will receive any particular rates, fees, terms, or timeline. Any estimates we share are based on the information available at the time and can change during underwriting.
Information you provide
When you contact us or ask us to help with an application, you agree that:
- The information you give us is true, accurate, and complete, and you will tell us if it changes
- You are authorized to share it, including any information about your business, its owners, or other people
- We may share it with banking and processing partners when you ask us to apply on your behalf
Inaccurate or incomplete information can delay an application or cause it to be declined.
Acceptable use
You agree not to:
- Use the site for any unlawful, fraudulent, or deceptive purpose
- Submit false information, or information about someone else without their permission
- Send spam, malicious code, or automated submissions through our forms
- Try to gain unauthorized access to the site or the systems behind it, or interfere with how it works
- Scrape, copy, or reuse the site's content in a way these terms do not allow
Intellectual property
The Pay Mountain name, logo, and the text, design, and graphics on this site belong to Pay Mountain or its licensors and are protected by law. You may view and print pages for your own business use. You may not copy, modify, distribute, or use them for any other purpose without our written permission.
Links to other websites
The site may link to websites run by other companies, including banks and processors. We do not control those sites and are not responsible for their content, terms, or privacy practices. Visiting them is at your own risk.
Disclaimers
The site and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We work to keep the site accurate and available, but we do not promise that it will be error-free, current, or uninterrupted.
Limitation of liability
To the fullest extent permitted by law, Pay Mountain and its owners, partners, and team members will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, revenue, or data, arising from your use of the site or from any decision a bank or processor makes about your application.
Some jurisdictions do not allow certain limitations of liability, so some of these limits may not apply to you.
Indemnity
You agree to defend and hold harmless Pay Mountain and its owners, partners, and team members from claims, losses, and expenses, including reasonable attorneys' fees, that arise from your misuse of the site, your violation of these terms, or false information you provide.
Governing law
These terms are governed by the laws of the State of Utah, without regard to its conflict of law rules. Any dispute relating to these terms or the site will be brought in the state or federal courts located in Utah, and you consent to their jurisdiction.
Changes to these terms
We may update these terms from time to time. When we do, we will change the “Last updated” date at the top of this page. Changes take effect when posted, and using the site after that means you accept the updated terms.
Contact us
Questions about these terms? Email us at support@paymountain.com or send us a message.