Terms of Service for High Risk Merchant Bank
Terms of Service
Last Updated: June 3, 2025
1. Acceptance of Terms
Welcome to High Risk Merchant Bank (“we,” “us,” or “our”) and our website, www.highriskmerchantbank.com (the “Website”). These Terms of Service (“Terms”) govern your access to and use of the Website and our high-risk merchant banking and payment processing services (collectively, the “Services”). By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree, do not use the Website or Services.
2. Eligibility
You must be at least 18 years old and have the legal authority to enter into contracts to use our Services. By using the Services, you represent that you meet these requirements and that your business complies with all applicable laws, including those governing high-risk industries (e.g., CBD, travel, or e-commerce).
3. Services Description
High Risk Merchant Bank provides high-risk merchant account services, including payment processing, fraud prevention, chargeback management, and related financial services. We connect merchants with acquiring banks and payment gateways to facilitate credit card, debit card, ACH, and eCheck transactions. Specific terms, fees, and conditions for merchant accounts are outlined in separate agreements provided during the application process.
4. Merchant Account Application
To use our Services, you must submit an application for a merchant account, including personal and business information for underwriting. You agree to provide accurate, complete, and up-to-date information. We reserve the right to approve or deny applications based on our underwriting criteria, industry regulations, or risk assessments.
5. User Responsibilities
You agree to:
- Use the Services in compliance with all applicable laws, regulations, and industry standards (e.g., PCI DSS).
- Provide accurate information during the application process and promptly update us if it changes.
- Maintain the security of your account credentials and notify us immediately of any unauthorized access.
- Avoid using the Services for prohibited activities, including illegal transactions, money laundering, or fraudulent activities.
6. Fees and Payments
Fees for our Services, including setup fees, transaction fees, and chargeback fees, are outlined in your merchant account agreement. You are responsible for all fees incurred through your use of the Services. We reserve the right to adjust fees with prior notice, as specified in your agreement.
7. Prohibited Activities
You may not use the Website or Services to:
- Engage in illegal or fraudulent activities.
- Process transactions for prohibited goods or services (e.g., as defined by our acquiring banks or payment networks).
- Attempt to bypass our security measures or interfere with the Website’s functionality.
Violation of these terms may result in suspension or termination of your account and Services.
8. Intellectual Property
All content on the Website, including text, graphics, logos, and software, is the property of High Risk Merchant Bank or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.
9. Termination
We may suspend or terminate your access to the Website or Services at our discretion, including for violation of these Terms, non-payment of fees, or suspected fraudulent activity. You may terminate your use of the Services by closing your merchant account, subject to the terms of your merchant agreement.
10. Limitation of Liability
To the fullest extent permitted by law, High Risk Merchant Bank shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Website or Services, including but not limited to loss of profits, data, or business opportunities. Our liability for direct damages is limited to the amount paid by you for the Services in the preceding 12 months.
11. Indemnification
You agree to indemnify and hold HighRiskMerchantBank, its affiliates, and partners harmless from any claims, losses, or damages arising from your use of the Website or Services, including violations of these Terms or applicable laws.
12. Governing Law
These Terms are governed by the laws of [Insert State/Country, e.g., Delaware, USA], without regard to conflicts of law principles. Any disputes shall be resolved in the courts of [Insert Jurisdiction, e.g., Delaware].
13. Changes to These Terms
We may update these Terms to reflect changes in our Services or legal requirements. We will notify you of material changes by posting the updated Terms on our Website or via email. Your continued use of the Website or Services constitutes acceptance of the revised Terms.
14. Contact Us
For questions or concerns about these Terms, contact us at:
High Risk Merchant Bank
Email: contact@highriskmerchantbank.com
Phone: 888.672.8305
High Risk Merchant Bank
Email: contact@highriskmerchantbank.com
Phone: 888.672.8305