1. Acceptance of Terms

By accessing and using DMC Fintec's services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service constitute a legally binding agreement between you and DMC Fintec regarding your use of our payment processing services, website, and related services.

2. Service Description

DMC Fintec provides payment processing services, including but not limited to:

• Credit and debit card processing
• ACH and bank transfer processing
• Digital wallet integration
• Cryptocurrency payment processing
• Risk management and fraud detection
• Reporting and analytics tools

3. Account Registration and Eligibility

To use our services, you must register for an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.

Eligibility requirements:

• Must be at least 18 years of age
• Must have legal authority to enter into this agreement
• Must operate a legitimate business
• Must comply with all applicable laws and regulations

4. Fees and Pricing

Our fees are clearly outlined in your merchant agreement and on our pricing page. Fees may include:

• Transaction processing fees
• Monthly service fees (if applicable)
• Chargeback fees
• International processing fees
• Additional service fees as outlined in your agreement

We lock in all fees for you and they should not ever change during the course of processing with us. If the processor reaches out to you to make a pricing change, please let us know so that we can stop the change and/or request for the fees to go back to what we originally contracted for and request for refund. If you do not let us know that this has happened, we can only request that refunds are made but cannot guarantee them after 30 days. We can however always request to put your fees back to what they were.

5. Prohibited Activities

You agree not to use our services for any illegal or prohibited activities, including but not limited to:

• Fraudulent or deceptive practices
• Money laundering or terrorist financing
• Processing payments for illegal goods or services
• Violating card network rules and regulations
• Circumventing our security measures
• Processing transactions without proper authorization

6. Data Security and Compliance

DMC Fintec maintains PCI DSS Level 1 compliance and implements industry-standard security measures to protect your data and transactions. We use quantum encryption technology to ensure the highest level of security.

You are responsible for maintaining the security of your systems and ensuring compliance with applicable data protection regulations in your jurisdiction.

Although we provide you a PCI Compliant setup, you must login to approve all auto scans and complete your annual compliance survey in order to "be PCI Compliant" and not pay fees associated with not being PCI compliant. You are notified by email, mail and on your cc statement if you are not PCI compliant so we do reach out in 3 different ways monthly to let you know.

7. Limitation of Liability

DMC Fintec's liability is limited to the maximum extent permitted by law. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business interruption.

Our total liability for any claim shall not exceed the fees paid by you to DMC Fintec in the 12 months preceding the claim.

8. Termination

DMC may terminate this agreement at any time for cause while providing notice of termination. DMC Fintec reserves the right to immediately suspend or terminate your account for violations of these terms or suspicious activity.

If customer wishes to terminate, they must give DMC Fintec, LLC first right of refusal to match or beat any competitor offer. If DMC Fintec, LLC matches or beats the offer, the customer must stay with DMC Fintec, LLC and process in the exact same manner and expected volumes. If DMC Fintec, LLC is unable to match or beat the offer, the customer is free to go.

If the customer is provided the same or better offer from DMC Fintec, LLC and wishes to terminate the contract anyway or if the customer leaves without providing DMC Fintec, LLC with the opportunity to match or beat a competitor offer, the customer will be charged 1 years total fees which includes all fees paid in the last 12 months including interchange assessments, cc processor fees and monthly fees. If the customer has processed for less than 12 months, the fees paid during the months of full processing will be averaged and then multiplied by 12.

Any fees invested including equipment provided, integration costs, tip refunds, or other costs covered by DMC during the entire time processing with DMC Fintec, LLC, must be paid back in full as well on top of the 1 years fees.

9. Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes shall be resolved through binding arbitration in Syracuse, New York.

10. Contact Information

If you have any questions about these Terms & Conditions, please contact us: