This SaveCash Services Agreement ("Agreement") is entered into between SaveCash Technology, Inc. ("SaveCash," "we," "us," or "our") and you ("Merchant," "you," or "your") and governs your use of SaveCash's payment processing and related financial services. By accessing or using any SaveCash services, you agree to be bound by this Agreement and all applicable terms referenced herein.

This Agreement constitutes a legally binding contract. Please read it carefully before using our services. If you do not agree with any part of this Agreement, you may not use SaveCash services.

1. Definitions

Throughout this Agreement, certain terms shall have specific meanings as defined below:

• "Account" means your SaveCash account through which you access our Services.
• "API" means our application programming interface that allows you to integrate our Services into your platform.
• "Chargeback" means a reversal of a transaction initiated by a Cardholder's issuing bank.
• "Fees" means all fees, charges, and costs associated with your use of our Services, as set forth in your pricing plan.
• "Merchant" means any individual or entity that uses our Services to accept payments.
• "Payment Data" means any data relating to payment transactions, including card numbers, account numbers, and transaction amounts.
• "Services" means all payment processing, financial, and related services provided by SaveCash.
• "Transaction" means a payment processed through our Services.

2. Services Provided

SaveCash provides comprehensive payment processing services that enable you to accept, process, and manage payments from your customers. Our Services include, but are not limited to:

• Credit and debit card processing through major card networks (Visa, Mastercard, American Express, Discover)
• Digital wallet processing (Apple Pay, Google Pay, Samsung Pay)
• Automated Clearing House (ACH) transfers
• Wire transfers and international remittances
• Payment gateway and API access for custom integrations
• Subscription and recurring billing management
• Point-of-sale (POS) terminal services
• Fraud detection and prevention tools
• Multi-currency processing and foreign exchange
• Real-time reporting and analytics dashboard
• Customer payment data management
• Dispute and chargeback management
• Automated compliance and regulatory reporting
• White-label payment solutions

We reserve the right to add, remove, or modify any Service at any time with notice to you. Your continued use of affected Services after such changes constitutes acceptance of the modifications.

3. Merchant Obligations

As a Merchant using our Services, you agree to the following obligations and responsibilities:

3.1 Compliance Requirements

You must comply with all applicable laws, regulations, and industry standards, including:

• Payment Card Industry Data Security Standard (PCI DSS)
• General Data Protection Regulation (GDPR) and similar privacy laws
• Anti-money laundering (AML) and counter-terrorism financing regulations
• Know Your Customer (KYC) requirements
• U.S. sanctions and trade restrictions
• All relevant consumer protection laws
• Fair Credit Reporting Act (FCRA) and similar credit reporting requirements
• Electronic signature regulations (E-SIGN Act, UETA)

3.2 Business Information

You must provide accurate, current, and complete information about your business, including:

• Legal business name and registered address
• Tax identification numbers (EIN, VAT, etc.)
• Business registration and incorporation documents
• Bank account information for fund settlement
• Names and identification of beneficial owners and authorized representatives
• Complete description of products and services you offer
• Website URL and customer-facing materials
• Any licenses or permits required for your business activities

You must promptly notify us of any changes to this information within 10 business days of such changes.

3.3 Transaction Handling

You agree to handle all transactions in accordance with best practices and applicable regulations:

• Only process transactions for legitimate goods and services
• Obtain proper authorization before processing any payment
• Provide clear and accurate transaction descriptions
• Maintain records of all transactions for at least 7 years
• Honor all refund requests in a timely manner
• Respond to customer inquiries and disputes promptly
• Never process transactions on behalf of another merchant
• Not split transactions to avoid fees or limits

4. Fees and Payment Terms

You agree to pay all Fees associated with your use of our Services according to the pricing plan you selected during registration. Our Fees structure includes the following components:

4.1 Transaction Fees

Transaction fees are assessed on each payment you process through our Services:

• Per-transaction processing fee (typically 2.9% + $0.30 for credit/debit cards)
• ACH transfer fees (typically $0.50 per transaction)
• Wire transfer fees (typically $25 per domestic wire, $50 per international wire)
• Currency conversion fees (typically 1% of transaction amount)
• Cross-border transaction fees for international payments

4.2 Subscription and Monthly Fees

Certain pricing plans include monthly subscription fees for access to premium features and enhanced support:

• Base subscription fees (varies by plan tier)
• POS terminal rental fees (if applicable)
• Advanced reporting and analytics fees
• White-label solution fees
• Priority support access fees

4.3 Other Fees

Additional fees may apply for specific Services or circumstances:

• Chargeback fees (typically $25 per chargeback)
• Account reactivation fees after suspension
• Data export and custom reporting fees
• Setup and onboarding fees for enterprise accounts
• Late payment penalties for overdue amounts
• Returned check or failed ACH fees
• Compliance and verification fees
• Excess transaction volume fees beyond plan limits

4.4 Fee Changes and Notification

We reserve the right to modify our Fees at any time. We will provide you with at least 30 days' written notice of any Fee increases. Fee decreases may be implemented immediately. Your continued use of our Services after the effective date of any Fee change constitutes your acceptance of the new pricing.

4.5 Payment and Settlement

We will settle funds to your designated bank account according to your selected settlement schedule (typically T+2 for card transactions). All Fees will be deducted from your transactions before settlement. In the event your account balance is insufficient to cover outstanding Fees, we reserve the right to withhold settlement or charge your designated payment method on file.

5. Payment Card Processing

When you process payment card transactions through our Services, the following terms apply:

5.1 Authorization and Capture

All card transactions must be properly authorized before you complete the sale. You agree to:

• Obtain authorization for the exact amount of the transaction
• Verify the cardholder's identity when required
• Not charge a card unless you have authorization or approval
• Complete the transaction only after authorization is obtained
• Not split a single transaction into multiple smaller transactions
• Obtain additional authorization if the transaction amount changes

5.2 Card Network Rules

You must comply with all card network rules, including Visa's Card Acceptance Guidelines, Mastercard's Rules, American Express's Operating Regulations, and Discover's Operating Regulations. These rules govern:

• How and when you can accept cards
• Transaction processing requirements and standards
• Disclosure and customer communication requirements
• Dispute and chargeback handling procedures
• Fraud prevention and security requirements
• Special rules for recurring transactions, subscriptions, and installment payments
• Refund and return policies
• Prohibited and restricted business practices

5.3 Chargebacks and Disputes

Cardholders may dispute transactions for various reasons. When a chargeback occurs:

• The disputed amount will be debited from your account
• We will assess a chargeback fee as set forth in our fee schedule
• You must respond to chargeback notices promptly and provide requested documentation
• Failure to respond may result in automatic chargeback loss
• Excessive chargeback rates may result in account restriction or termination

SaveCash will assist you in managing disputes and chargebacks, but you are ultimately responsible for the outcome and any associated costs.

6. Security and Data Protection

The security of Payment Data and personal information is paramount. Both parties have specific obligations under this section:

6.1 PCI DSS Compliance

You must maintain PCI DSS compliance at all times if you handle, store, or process cardholder data:

• Complete annual PCI DSS self-assessment questionnaires
• Undergo periodic PCI DSS security scans
• Implement and maintain security controls as required by PCI DSS
• Restrict access to cardholder data to only authorized personnel
• Use encryption for cardholder data both in transit and at rest
• Maintain secure network configurations and firewall protection
• Regularly test security systems and processes
• Maintain an information security policy for personnel

6.2 Data Handling Requirements

You agree to handle all Payment Data and personal information in accordance with best practices:

• Never store CVV/CVC codes after authorization
• Never store full magnetic stripe data
• Mask primary account numbers (PANs) in displays and logs
• Limit data retention to only what is necessary for business purposes
• Securely delete data when no longer needed
• Implement strong access controls and authentication for systems handling Payment Data
• Regularly update and patch all systems and software
• Monitor systems for security breaches and unauthorized access

6.3 Security Breach Notification

You must immediately notify SaveCash of any suspected or actual security breach involving Payment Data or our Services. Such notification must include:

• Description of the breach and compromised data
• Timeline of when the breach occurred and was discovered
• Number of records potentially affected
• Immediate remediation steps taken
• Details of any law enforcement involvement
• All documentation requested by SaveCash or regulatory authorities

6.4 SaveCash Security Measures

SaveCash implements comprehensive security measures to protect data processed through our Services:

• Level 1 PCI DSS certification and ongoing compliance
• End-to-end encryption of all Payment Data in transit and at rest
• Regular third-party security audits and penetration testing
• Multi-factor authentication for all system access
• 24/7 security monitoring and incident response capabilities
• Regular security training for all personnel
• Redundant, geographically distributed data centers
• Comprehensive disaster recovery and business continuity planning

7. Prohibited Activities

You are prohibited from using our Services in connection with certain types of businesses and activities. Prohibited uses include, but are not limited to:

7.1 Prohibited Business Types

• Illegal activities or businesses
• Adult content and services, including pornography and adult websites
• Gambling, including online casinos, sports betting, and lotteries
• Cryptocurrency and virtual currency exchanges
• Pharmaceutical and pharmaceutical resellers
• Weapons and ammunition sales
• Multi-level marketing and pyramid schemes
• Debt collection and credit repair services
• Money service businesses without proper licensing
• High-risk financial products and payday loans
• Counterfeit goods and intellectual property infringement
• Stolen goods or goods obtained through fraud

7.2 Prohibited Activities

• Money laundering or terrorist financing
• Fraudulent or deceptive business practices
• Processing transactions for another merchant (factoring)
• Circumventing transaction limits or fees
• Processing refunds to a different card than the original transaction
• Accepting cards issued to you personally
• Processing transactions without authorization
• Engaging in transactions intended to launder money
• Misrepresenting your business or products
• Violating any card network rules
• Attempting to gain unauthorized access to our systems
• Reverse engineering or unauthorized use of our APIs

This list is not exhaustive. We reserve the right to refuse service to any business or activity at our sole discretion. Violation of these prohibitions will result in immediate account suspension or termination.

8. Account Suspension and Termination

We may suspend or terminate your access to our Services under various circumstances:

8.1 Suspension

We may suspend your account immediately and without prior notice if we have reasonable grounds to believe:

• You have violated this Agreement or any applicable laws
• Your account poses an unacceptable risk to SaveCash or other parties
• There is evidence of fraudulent or suspicious activity
• Your chargeback or refund ratio exceeds acceptable thresholds
• You have failed to pay Fees when due
• You have provided false, misleading, or incomplete information
• Required compliance certifications have expired or been revoked
• You are subject to legal action or regulatory investigation

8.2 Termination by Merchant

You may terminate this Agreement at any time by providing 30 days' written notice and closing your account through your dashboard. You will remain responsible for all obligations arising from transactions processed before termination.

8.3 Termination by SaveCash

We may terminate this Agreement immediately and without notice for material breach, violation of prohibited activities, or at our discretion with 90 days' notice. Upon termination:

• Your right to use our Services ceases immediately
• All pending transactions will be processed and settled
• You must cease all use of our APIs, trademarks, and intellectual property
• We may withhold funds as necessary to cover outstanding obligations
• You remain liable for all Fees incurred prior to termination
• We will retain your data as required by law or for legitimate business purposes

8.4 Post-Termination Obligations

After termination, you must:

• Return or destroy all SaveCash materials and confidential information
• Cancel all recurring transactions and subscriptions
• Provide alternative payment methods to your customers
• Cooperate in the orderly transition of your account
• Continue to fulfill obligations for transactions processed prior to termination
• Remain liable for chargebacks and disputes for up to 180 days post-termination

9. Intellectual Property and Confidentiality

All intellectual property rights in the Services, including software, documentation, trademarks, and trade secrets, belong to SaveCash and our licensors. You receive a limited, non-exclusive, non-transferable, revocable license to use the Services during the term of this Agreement solely for your business purposes.

You may not copy, modify, distribute, sell, lease, or create derivative works of any SaveCash intellectual property. You must maintain the confidentiality of all non-public information about our Services, technology, business practices, and pricing that you receive in connection with this Agreement.

10. Warranties and Disclaimers

Each party represents and warrants that:

• It has the full power and authority to enter into this Agreement
• It will comply with all applicable laws and regulations
• All information provided to the other party is accurate and complete
• It will not infringe upon any third party rights

EXCEPT AS EXPRESSLY PROVIDED HEREIN, SAVECASH MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DO NOT GUARANTEE THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

11. Limitation of Liability and Indemnification

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAVECASH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE FEES WE RECEIVED FROM YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

You agree to indemnify and hold SaveCash and our officers, directors, employees, and agents harmless from any and all claims, losses, damages, liabilities, and expenses (including attorneys' fees) arising from your breach of this Agreement, violation of any laws, or infringement of any third party rights.

12. Dispute Resolution and Governing Law

Except where prohibited by law, any disputes arising from this Agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will be conducted in the state where our headquarters are located, and judgment on the arbitral award may be entered in any court having jurisdiction thereof.

This Agreement shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. The parties waive any right to a jury trial.

13. Intellectual Property and Anti-Competition Protections

SaveCash Technology, Inc. is a proprietary financial technology company that has invested substantial resources in developing our revolutionary AI-powered savings platform. Our intellectual property represents decades of innovation and constitutes one of the most valuable assets in the fintech industry.

13.1 Proprietary Technology and Trade Secrets

SaveCash's platform, algorithms, AI models, user interfaces, APIs, documentation, business methods, and all related technology constitute confidential, proprietary information and trade secrets owned exclusively by SaveCash. This includes but is not limited to:

• Proprietary machine learning algorithms for savings detection and optimization
• Advanced fraud detection and prevention systems
• Risk assessment and credit analysis methodologies
• User experience designs, workflows, and interface elements
• Security protocols and data protection mechanisms
• Integration patterns and API architectures
• Business processes, operational procedures, and optimization strategies
• Customer data analytics and personalization engines
• Backend infrastructure, database schemas, and system architectures
• All source code, object code, and executable code
• Trademarks, service marks, brand names, logos, and trade dress
• Patent-pending and patented technologies

You acknowledge that our proprietary technology provides SaveCash with a significant competitive advantage in the marketplace. Any unauthorized disclosure, reproduction, or use of our trade secrets constitutes irreparable harm that cannot be adequately compensated by monetary damages alone.

13.2 Strict Prohibition on Competition and Copying

By using SaveCash Services, you expressly agree that you will not, directly or indirectly:

• Copy, mimic, reverse engineer, or attempt to replicate any aspect of SaveCash's platform, services, or intellectual property
• Develop, create, fund, or participate in any competing financial technology business that offers similar services to SaveCash
• Use SaveCash Services, APIs, documentation, or any proprietary information to build competing products or services
• Scrape, crawl, or extract data from SaveCash platforms for use in competitive products
• Hire, recruit, or solicit SaveCash employees, contractors, or partners to work on competitive ventures
• Disclose, share, or transfer any proprietary information to competitors or potential competitors
• Create derivative works based on SaveCash's intellectual property
• Use SaveCash's trademarks, service marks, or branding in any manner that suggests endorsement or affiliation with competing products
• Engage in any activity that would enable a third party to compete with SaveCash using our proprietary technology or confidential information
• Participate in, support, or provide resources to any entity developing competing financial services

This prohibition extends for a period of five (5) years following your last use of SaveCash Services and applies globally. SaveCash's proprietary technology and business methods are protected under federal and state trade secret laws, copyright laws, and patent laws. Violation of these terms will result in immediate termination of your access and potential legal action seeking injunctive relief, monetary damages, and attorneys' fees.

13.3 Market Position and Competitive Advantage

SaveCash is positioned to become the dominant leader in AI-powered financial management, with strategic advantages that set us apart from all competitors:

• State-of-the-art artificial intelligence capable of analyzing millions of transactions in real-time
• Proprietary savings algorithms that identify opportunities traditional methods cannot detect
• Industry-leading security infrastructure and fraud prevention systems
• Seamless integration capabilities with major financial institutions and payment networks
• Superior user experience design optimized for financial engagement and trust
• Scalable technology architecture built to serve millions of users globally
• Established partnerships with leading banks, card networks, and financial service providers
• Comprehensive regulatory compliance frameworks across multiple jurisdictions
• Vast proprietary datasets and analytics capabilities
• Proven track record of delivering measurable financial value to users

You acknowledge and agree that SaveCash represents a paradigm shift in financial technology, combining cutting-edge artificial intelligence with deep financial expertise to create unprecedented value for consumers and businesses alike. Our position as a market leader is the result of substantial investment, innovation, and execution excellence.

13.4 Injunctive Relief and Remedies

You acknowledge that any breach of these intellectual property and anti-competition provisions will cause SaveCash irreparable harm for which monetary damages would be inadequate. SaveCash shall have the right to seek and obtain preliminary and permanent injunctive relief, specific performance, and other equitable remedies to enforce these provisions, without the necessity of proving actual damages or posting bond.

In addition to injunctive relief, SaveCash shall be entitled to recover all monetary damages, including but not limited to lost profits, disgorgement of improperly obtained benefits, litigation costs, and reasonable attorneys' fees. SaveCash may also seek statutory damages under applicable intellectual property laws, which can include treble or punitive damages for willful infringement.

13.5 Survival of Obligations

All intellectual property, confidentiality, and anti-competition obligations set forth in this Agreement shall survive termination of your use of SaveCash Services and shall remain in full force and effect indefinitely. Your obligations with respect to trade secrets shall survive until such information becomes publicly available through no breach of your obligations under this Agreement.

14. General Provisions

This Agreement, together with our Privacy Policy and any other agreements referenced herein, constitutes the entire agreement between you and SaveCash regarding the Services and supersedes all prior agreements. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision does not constitute a waiver of our rights. This Agreement is not assignable by you without our prior written consent, but we may assign this Agreement without restriction. All notices required under this Agreement must be delivered in writing via email to the contact addresses we each designate.

15. Contact Information

If you have questions about this SaveCash Services Agreement, please contact us at: