Welcome to our Terms of Service. These terms govern your use of our services and products. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account, accessing, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

CONTRACT LOGGING AND EVIDENCE: By clicking "I Agree," creating an account, or using our services, you acknowledge that we record and maintain records of your acceptance, including but not limited to: timestamp, IP address, browser information, and the version of these Terms you accepted. These records constitute admissible evidence of your acceptance of these Terms.

UNILATERAL MODIFICATION RIGHTS: We reserve the right to modify these terms at any time, at our sole discretion, without prior notice or consent. We may notify you of material changes through your account dashboard, email, or by posting a notice on our website, but such notification is not required for changes to become effective. Your continued use of our services after any modifications, whether or not you have been notified, constitutes your acceptance of the updated terms. If you do not agree to the modified terms, your only remedy is to stop using our services and terminate your account.

NO RIGHT TO REJECT MODIFICATIONS: By using our services, you waive any right to reject modifications to these Terms. Continued use after modifications become effective constitutes acceptance, regardless of whether you have reviewed the changes.

2. Eligibility

To use our services, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Not be prohibited from using our services under applicable laws
• Not have had your account previously suspended or terminated by us

3. Account Registration and Security

When you create an account with us, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to:

• Use a strong, unique password for your account
• Notify us immediately of any unauthorized access or security breach
• Not share your account credentials with any third party
• Take responsibility for all activities conducted through your account
• Keep your contact information up to date

4. Use of Services

Our services provide payment processing, financial tools, and related business infrastructure. You agree to use our services only for lawful purposes and in accordance with these terms.

Permitted Uses

You may use our services to:

• Accept and process payments from customers
• Manage your business operations and financial data
• Access reporting and analytics tools
• Integrate our services with your applications via our APIs

Prohibited Uses

You agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Process transactions for prohibited or restricted businesses
• Engage in fraudulent, deceptive, or misleading practices
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of our services
• Use our services to transmit malware, viruses, or harmful code
• Reverse engineer, decompile, or disassemble our software
• Use automated systems to access our services without authorization

5. Fees and Payment

You agree to pay all fees associated with your use of our services according to our published pricing. Fees may include transaction fees, subscription fees, and other charges as specified in your service agreement.

We reserve the right to change our fees with 30 days' notice. Continued use of our services after fee changes constitutes acceptance of the new pricing.

6. Intellectual Property and Anti-Competition

All content, features, and functionality of our services, including but not limited to software, text, graphics, logos, trademarks, proprietary AI algorithms, business methods, and trade secrets, are owned by us or our licensors and are protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your business purposes. This license does not include any rights to copy, modify, distribute, or create derivative works from our intellectual property.

You expressly agree NOT to copy, reverse engineer, or create competing products using our proprietary technology, algorithms, or business methods. SaveCash's intellectual property represents our core competitive advantages, and any unauthorized use will result in immediate termination and legal action.

7. Data and Privacy

Our collection, use, and protection of your personal data is governed by our Privacy Policy. By using our services, you consent to our data practices as described in the Privacy Policy.

8. Termination

Either party may terminate this agreement at any time. You may terminate by closing your account through your dashboard. We may terminate or suspend your access immediately, without prior notice, for any breach of these terms or for any other reason.

TERMINATION FLEXIBILITY: We reserve the right, in our sole and absolute discretion, to suspend, restrict, or terminate your account and access to our services immediately, without prior notice or liability, for any reason or no reason, including but not limited to:

• Violation of these Terms or any of our policies
• Suspected fraudulent, abusive, or illegal activity
• Risk assessment indicating potential harm to our services, other users, or third parties
• Extended periods of account inactivity
• Requests by law enforcement or government agencies
• Violation of applicable laws or regulations
• Any conduct that we determine, in our sole discretion, poses a risk or liability to us

NO RIGHT TO REINSTATEMENT: Termination is permanent. We have no obligation to reinstate your account or provide reasons for termination. All decisions regarding termination are final.

Upon termination, your right to use our services will immediately cease. We will process any pending transactions and remit funds according to our standard procedures. All provisions that by their nature should survive termination shall survive, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Disclaimers and Limitation of Liability

DISCLAIMER OF WARRANTIES: OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, SECURITY, ACCURACY, RELIABILITY, OR AVAILABILITY. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, OR COMPLETELY SECURE. YOU USE OUR SERVICES AT YOUR OWN RISK.

NO RELIANCE CLAUSE: YOU ACKNOWLEDGE THAT YOU HAVE NOT RELIED ON ANY STATEMENT, REPRESENTATION, WARRANTY, OR GUARANTEE NOT EXPRESSLY SET OUT IN THESE TERMS, INCLUDING ANY ORAL OR WRITTEN STATEMENTS MADE BY OUR EMPLOYEES, REPRESENTATIVES, OR AFFILIATES.

LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SAVECASH, ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE OUR SERVICES, REGARDLESS OF THE LEGAL THEORY UPON WHICH THE CLAIM IS BASED (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

AGGREGATE LIABILITY CAP: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF OUR SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100). THIS LIMITATION SHALL APPLY EVEN IF THE REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

TIME LIMITATION: ANY CLAIM AGAINST US MUST BE BROUGHT WITHIN ONE (1) YEAR AFTER THE EVENT GIVING RISE TO THE CLAIM OCCURRED, OR SUCH CLAIM SHALL BE FOREVER BARRED.

10. Indemnification

YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS SaveCash, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, licensors, suppliers, and service providers from and against any and all claims, demands, causes of action, losses, liabilities, damages, judgments, settlements, costs, and expenses (including but not limited to reasonable attorneys' fees, expert witness fees, and court costs) arising out of or relating to:

• Your use or misuse of our Services
• Your violation of these Terms or any applicable law or regulation
• Your violation of any rights of another party, including intellectual property rights, privacy rights, or publicity rights
• Your content, data, or information you submit, post, or transmit through our Services
• Your breach of any representation, warranty, or covenant made by you in these Terms
• Any transactions you process or business activities you conduct using our Services
• Any third-party claims arising from your products, services, or business practices
• Any disputes between you and your customers or other third parties

This indemnification obligation shall survive termination of these Terms and your use of our Services. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with us in such defense. You may not settle any claim that affects us without our prior written consent.

11. Dispute Resolution and Arbitration

MANDATORY ARBITRATION: EXCEPT WHERE PROHIBITED BY APPLICABLE LAW, ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS, OUR SERVICES, OR THE RELATIONSHIP BETWEEN YOU AND SAVECASH SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION RATHER THAN IN COURT, EXCEPT THAT YOU MAY ASSERT CLAIMS IN SMALL CLAIMS COURT IF YOUR CLAIMS QUALIFY.

ARBITRATION RULES: The arbitration shall be conducted by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and, when applicable, its Consumer Arbitration Rules, which are available at www.adr.org. If AAA is unavailable, the arbitration shall be conducted by JAMS under its Streamlined Arbitration Rules and Procedures, available at www.jamsadr.com.

ARBITRATION LOCATION: The arbitration shall take place in Delaware, United States, unless we mutually agree otherwise in writing. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

CLASS ACTION WAIVER: YOU AND SAVECASH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. FURTHERMORE, UNLESS BOTH YOU AND SAVECASH AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE, CLASS, OR COLLECTIVE PROCEEDING. IF THIS CLASS ACTION WAIVER IS HELD TO BE UNENFORCEABLE, THEN THE ENTIRE ARBITRATION PROVISION SHALL BE NULL AND VOID.

JURY TRIAL WAIVER: YOU EXPRESSLY WAIVE YOUR RIGHT TO A JURY TRIAL IN ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES.

OPT-OUT: You have the right to opt out of this arbitration provision by sending written notice of your decision to opt out to legal@savecash.com within thirty (30) days of first accepting these Terms. If you opt out, disputes will be resolved in court as provided in the Governing Law section below.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles or provisions. You agree that any action at law or in equity arising out of or relating to these Terms that is not subject to arbitration as set forth in Section 11 above shall be filed only in the state and federal courts located in San Francisco County, California, United States, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts for the purposes of litigating any such action.

Notwithstanding the foregoing, we reserve the right to seek injunctive relief or other equitable remedies in any court of competent jurisdiction to protect our intellectual property rights or prevent irreparable harm.

13. Force Majeure

We shall not be liable for any failure or delay in performance under these Terms to the extent that such failure or delay is due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, pandemics, epidemics, government actions, changes in laws or regulations, internet or telecommunications failures, cyberattacks, denial of service attacks, strikes, or other labor disputes, shortage of transportation facilities, fuel, energy, labor, or materials, or any other cause beyond our reasonable control (a "Force Majeure Event"). If a Force Majeure Event continues for more than thirty (30) days, either party may terminate these Terms upon written notice to the other party.

14. Export Control and Sanctions Compliance

Our Services may be subject to export control laws and regulations. You agree to comply with all applicable export and import laws, regulations, and restrictions of the United States and other countries. You represent and warrant that:

• You are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. sanctions (currently including, but not limited to, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine)
• You are not on any U.S. government list of prohibited or restricted parties, including the Treasury Department's List of Specially Designated Nationals or the Commerce Department's Entity List
• You will not use our Services in violation of any export control laws or sanctions
• You will not permit any third party to use our Services in violation of any export control laws or sanctions

We reserve the right to refuse or terminate service to any person or entity that violates these provisions or is subject to applicable sanctions.

15. Severability and Survival

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remainder of these Terms shall remain in full force and effect, and the invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable. If such modification is not possible, the provision shall be severed from these Terms, and the validity, legality, and enforceability of the remaining provisions shall not be affected.

EXTENDED SURVIVABILITY: The following provisions shall survive termination of these Terms and your use of our Services indefinitely, regardless of the reason for termination:

• Sections 6 (Intellectual Property), including all ownership and licensing provisions
• Section 9 (Disclaimers and Limitation of Liability), including all warranty disclaimers and liability caps
• Section 10 (Indemnification), including all indemnity obligations
• Section 11 (Dispute Resolution), including all arbitration and class-action waiver provisions
• Section 12 (Governing Law and Jurisdiction), including all jurisdiction and venue selections
• Section 14 (Export Control and Sanctions Compliance), including all compliance obligations
• Section 15 (Severability and Survival), including this survival provision
• Section 16 (AI and Machine Learning Disclaimer), including all AI-related disclaimers
• Section 17 (Third-Party Services and Integrations), including all third-party disclaimers
• Section 18 (Feedback and User Content), including all intellectual property assignments and licenses
• Section 20 (Risk-Based Pricing and Service Modifications), including all pricing and service modification rights
• Section 23 (Miscellaneous), including all general contract provisions

PERPETUAL OBLIGATIONS: Your obligations under the surviving provisions shall continue in perpetuity, and we retain all rights and remedies available to us under law or equity to enforce such obligations.

16. AI and Machine Learning Disclaimer

AI-POWERED SERVICES: Our services may utilize artificial intelligence, machine learning, automated decision-making, and predictive analytics. You acknowledge and agree that:

• AI outputs, predictions, recommendations, and automated decisions may be inaccurate, incomplete, biased, or incorrect
• AI systems are probabilistic in nature and may produce different results for similar inputs
• We do not guarantee the accuracy, reliability, or suitability of AI-generated content or decisions
• You are solely responsible for verifying, validating, and reviewing all AI outputs before relying on them
• You assume all risk associated with using AI-powered features
• We are not liable for any decisions, actions, or consequences resulting from your use of AI features
• AI models may be updated, modified, or discontinued at any time without notice

NO WARRANTY FOR AI: AI features are provided "AS IS" without any warranty. We disclaim all liability for errors, omissions, or harm resulting from AI-generated content or automated decisions.

17. Third-Party Services and Integrations

THIRD-PARTY INTEGRATIONS: Our services may integrate with or provide access to third-party services, applications, APIs, software, content, or websites (collectively, "Third-Party Services"). Your use of Third-Party Services is subject to the terms and conditions and privacy policies of such third parties.

NO ENDORSEMENT OR WARRANTY: We do not endorse, warrant, or assume responsibility for any Third-Party Services. We are not responsible for the availability, accuracy, content, products, services, or practices of Third-Party Services.

DISCLAIMER OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THIRD-PARTY SERVICES, INCLUDING BUT NOT LIMITED TO:

• Service interruptions, downtime, or unavailability
• Data breaches, security incidents, or unauthorized access
• Loss or corruption of data
• Errors, bugs, or malfunctions
• Changes to Third-Party Services that affect functionality
• Termination or discontinuation of Third-Party Services
• Any disputes between you and third-party providers

YOUR RISK: Your use of Third-Party Services is at your own risk. You are solely responsible for evaluating the suitability, security, and compliance of Third-Party Services for your needs.

18. Feedback and User Content

FEEDBACK OWNERSHIP: If you provide us with any feedback, suggestions, ideas, comments, improvements, recommendations, or other input regarding our services (collectively, "Feedback"), you hereby assign and transfer to us all right, title, and interest in and to such Feedback, including all intellectual property rights therein.

ROYALTY-FREE LICENSE: To the extent any Feedback is not assigned to us, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully-paid, sublicensable, and transferable license to use, reproduce, modify, distribute, create derivative works of, publicly perform, and publicly display such Feedback for any purpose, without compensation or attribution to you.

NO CONFIDENTIALITY: Feedback is provided on a non-confidential basis. We have no obligation to maintain the confidentiality of Feedback or to respond to or use any Feedback.

USER CONTENT LICENSE: To the extent you submit, post, upload, or transmit any content through our services ("User Content"), you grant us a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform such User Content in connection with providing and improving our services.

19. Beta and Experimental Features

BETA SERVICES: We may offer certain features, services, or functionality that are labeled as "beta," "preview," "experimental," "early access," or similar designation (collectively, "Beta Services"). Beta Services are provided for testing and evaluation purposes only.

NO WARRANTY FOR BETA: Beta Services are provided "AS IS" without warranty of any kind and may contain bugs, errors, or defects. We disclaim all warranties and liability for Beta Services.

MODIFICATION OR DISCONTINUATION: We reserve the right to modify, suspend, or discontinue Beta Services at any time, without notice or liability. Beta Services may be changed or removed permanently without any obligation to you.

YOUR RISK: You acknowledge that Beta Services may not be fully functional, may cause data loss, and may expose you to additional risks. Your use of Beta Services is at your own risk.

20. Risk-Based Pricing and Service Modifications

RISK-BASED PRICING: We reserve the right, in our sole discretion, to adjust pricing, fees, or service terms based on factors including but not limited to: your creditworthiness, transaction volume, risk profile, compliance history, usage patterns, geographic location, business type, or any other factors we deem relevant.

SERVICE MODIFICATIONS: We may modify, enhance, or discontinue any aspect of our services at any time, including but not limited to features, functionality, availability, or performance, with or without notice. We have no obligation to provide prior notice of such modifications.

NO GUARANTEE OF AVAILABILITY: We do not guarantee that our services will be available at all times, in all locations, or in the same form. We may interrupt, suspend, or terminate services for maintenance, updates, or other reasons without liability.

21. Governing Language

ENGLISH VERSION CONTROLS: These Terms may be translated into other languages for convenience. In the event of any conflict or inconsistency between the English version and any translated version, the English version shall control and prevail. The English version is the official and binding version of these Terms.

TRANSLATIONS FOR CONVENIENCE ONLY: Any translations of these Terms are provided solely for your convenience and are not legally binding. You agree that in any legal proceeding, the English version shall be the authoritative version.

22. Dispute Resolution Portal

USER ARBITRATION PORTAL: Before initiating formal arbitration proceedings, you may submit disputes through our user dispute resolution portal at /contact or disputes@savecash.com. We encourage good-faith attempts to resolve disputes informally before proceeding to arbitration.

NO WAIVER OF ARBITRATION: Use of the dispute resolution portal does not waive your obligation to submit disputes to binding arbitration as set forth in Section 11. If informal resolution is not achieved within 30 days, either party may proceed to arbitration.

23. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy, Cookie Policy, Refund Policy, DMCA Policy, and any other policies referenced herein, constitute the entire agreement between you and SaveCash regarding your use of our Services and supersede all prior or contemporaneous communications, proposals, agreements, and understandings between you and SaveCash, whether written or oral, relating to the subject matter hereof.

Assignment: You may not assign, transfer, or delegate these Terms or any rights or obligations hereunder without our prior written consent. We may assign, transfer, or delegate these Terms or any rights or obligations hereunder at any time without notice or consent.

Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Any waiver must be in writing and signed by an authorized representative of SaveCash.

Construction: These Terms shall be construed without regard to any presumption or rule requiring construction or interpretation against the party drafting an instrument or causing any instrument to be drafted.

Third-Party Rights: These Terms are for the sole benefit of you and SaveCash and do not create any third-party beneficiary rights, except as expressly provided herein. No third party has the right to enforce any provision of these Terms.

Notices: All notices, requests, consents, claims, demands, waivers, and other communications under these Terms must be in writing and sent to: SaveCash, Legal Department, legal@savecash.com. Notices sent by email shall be deemed received on the date sent if sent during business hours, otherwise on the next business day.

Electronic Communications: When you use our Services or send emails to us, you are communicating with us electronically. You consent to receive electronic communications from us and agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Headings: The headings and section titles in these Terms are for convenience only and have no legal or contractual effect.

24. Contact Information

If you have any questions about these Terms of Service, please contact us or email us at legal@savecash.com.