The following terms of service (“TOS”) will apply to the agreement to provide service between iPayTotal (“Company”), and the individual or business entity identified on the merchant agreement for payment processing services (“Customer”).

Service Rates: Customer acknowledges that they have been made adequately aware of the initial rates and fees associated with services being rendered by the Company and have received a complete description of services to be rendered.

Payments and Fees: Customer acknowledges that the Company is under no obligation to provide services under the terms of this Agreement until all stated charges have been paid-in-full, and Company has been able to adequately verify the validity of said payment. All services that the Company offers are considered to be provided on a strictly prepaid basis.

Refund Policy: All services rendered by the Company are provided on a non- refundable basis. This includes, but it not limited to, setup fees, monthly fees, upgrade fees, professional services fees, regardless of usage. In addition, if your account is cancelled by the company for violation of this Agreement or the attached Acceptable Use Policy, all payments made to the Company become completely non refundable.

Violation of Terms: Should Customer violate any of these terms, the Company will attempt to contact the customer by email or telephone before taking any action where avoidable. However, the Company will pursue whatever action is necessary to serve its best interest in these cases, even if that should necessitate the suspension or termination of Customer’s services without any type of notification.


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