These Terms of Service ("Terms") form a legally binding agreement between you, whether personally or on behalf of an entity ("you" or "your"), and Renegade Payments ("Renegade Payments," "we," "us," or "our"), governing your access to and use of renegadepayments.com and any related tools, content, and services (collectively, the "Services").
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.
These Terms include a binding arbitration provision and a class action waiver in Section 16 that affect your legal rights. Please read them carefully.
1. Who May Use the Services
The Services are intended for businesses and for individuals acting on behalf of a business.
By using the Services, you represent and warrant that:
- You are at least 18 years old and have the legal capacity to enter into these Terms
- If you are using the Services on behalf of a business or other entity, you are authorized to bind that entity, and "you" refers to that entity
- You are using the Services for business purposes and not for personal, family, or household purposes
- Your use of the Services will comply with all applicable laws and regulations
- All information you provide is true, accurate, current, and complete, and you will keep it updated
The Services are directed to users in the United States. We make no representation that the Services are appropriate or available for use in other jurisdictions.
2. What We Are, and What We Are Not
Renegade Payments markets, refers, and supports payment processing solutions for businesses.
We are not a bank. We are not a chartered financial institution, an acquiring bank, or a card network. We do not hold deposits and we do not settle funds.
Payment processing services are provided by third-party processors, acquiring banks, and sponsor banks under separate agreements between you and those parties. Any merchant account you obtain is governed by the merchant agreement you sign with the processor or sponsor bank, not by these Terms. In the event of a conflict between these Terms and your merchant agreement, your merchant agreement controls as to the processing relationship.
Nothing on the Services is an offer of credit, an offer to process payments, or a guarantee of approval. All merchant accounts are subject to underwriting, credit review, and approval by the processor or sponsor bank in their sole discretion. Rates, fees, terms, and program availability are subject to change and to final approval.
We do not provide professional advice. Nothing on the Services constitutes legal, tax, accounting, investment, or financial advice. You should consult your own qualified advisors before making business decisions.
3. The Statement Analysis Tool
The Services include a tool that accepts a merchant processing statement you upload and produces an estimated analysis of your current costs and potential savings (the "Analysis").
You acknowledge and agree that:
- The Analysis is an estimate for illustrative purposes only. It is not a quote, an offer, a contract, a promise of savings, or a guarantee of any particular rate, fee, or result.
- The Analysis is generated by automated systems, including artificial intelligence. Automated extraction and interpretation of statements can be incomplete or incorrect. Figures may be misread, misclassified, or omitted.
- The Analysis depends entirely on the document you provide. It reflects a single statement period and assumptions about your future processing mix, volume, average ticket, and card types. Your actual costs will differ.
- Actual pricing is determined only after underwriting, and only in a written agreement signed with a processor or sponsor bank.
- You are responsible for verifying the Analysis against your own statements and records before relying on it.
To the fullest extent permitted by law, we disclaim all liability for any decision you make, or action you take or fail to take, in reliance on the Analysis.
4. Documents You Submit
When you upload a statement or other document, or otherwise submit information through the Services ("Submitted Content"), you represent and warrant that:
- You own the Submitted Content or have all rights, licenses, consents, and permissions necessary to provide it to us and to authorize the processing described in these Terms and our Privacy Policy
- Providing the Submitted Content to us does not breach any confidentiality obligation, contract, or applicable law binding on you, including any agreement with your current processor
- The Submitted Content does not contain any of the categories of sensitive information listed in Section 5
- The Submitted Content is free of viruses, malware, and other harmful code
You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, and analyze the Submitted Content solely to provide the Services, to prepare and support your proposal and any resulting application, to comply with legal obligations, and to maintain and improve the security and reliability of our systems. You retain all ownership of the Submitted Content.
We may retain, use, and disclose de-identified and aggregated information derived from Submitted Content that does not identify you or your business.
5. Sensitive Information Restrictions
The Services are not designed to receive sensitive personal information, and you must not submit it.
You agree not to upload, transmit, or otherwise provide through the Services any of the following:
- Social Security numbers, individual taxpayer identification numbers, or tax return information
- Full bank account numbers, routing numbers, or full payment card numbers, expiration dates, or security codes, or any cardholder data subject to the PCI Data Security Standard
- Driver's license, passport, or other government identification numbers
- Account credentials, passwords, PINs, or security codes
- Protected health information as defined under HIPAA, medical information, or consumer health data
- Consumer reports or information derived from consumer reports as defined under the Fair Credit Reporting Act
- Nonpublic personal information of any individual consumer as defined under the Gramm-Leach-Bliley Act
- Biometric data, precise geolocation data, or any other category of information treated as sensitive under applicable data protection law
Redact this information from any document before you upload it. If we identify such information in Submitted Content, we may delete it or decline to process the submission without notice or liability.
You are solely responsible for any sensitive information you submit in breach of this Section, and this Section is expressly covered by your indemnification obligations in Section 15.
6. Prohibited Conduct
You agree not to:
- Use the Services for any unlawful, fraudulent, or unauthorized purpose
- Submit a statement or document belonging to a business you are not authorized to act for
- Submit false, misleading, or fabricated documents or information
- Access the Services by automated means, including scraping, bots, or scripts, except for standard search engine indexing
- Attempt to probe, scan, or test the vulnerability of the Services, or breach or circumvent any security, authentication, or rate-limiting measure
- Interfere with, disrupt, or place an undue burden on the Services or the networks and systems supporting them
- Reverse engineer, decompile, or disassemble any part of the Services
- Use the Services to build a competing product or service, or to compile a database or benchmark for a competitor
- Copy, reproduce, republish, or redistribute any part of the Services or their content except as permitted in Section 10
- Upload viruses, malware, or other harmful code
- Impersonate any person or entity or misrepresent your affiliation
- Harass, abuse, threaten, or intimidate our personnel
We may investigate any suspected violation and take any action we consider appropriate, including suspending or terminating your access, removing content, and referring the matter to law enforcement.
7. Chat and Automated Assistance
The Services may include a chat feature that uses automated systems, including artificial intelligence, to respond to questions. Responses may be inaccurate or incomplete and do not constitute a quote, an offer, or professional advice. Do not submit sensitive information through the chat feature. Messages you send may be retained and reviewed to improve the Services and to respond to you.
8. Testimonials, Comparisons, and Forward-Looking Statements
The Services display testimonials, case examples, savings figures, and comparisons to other providers.
- Testimonials reflect the experience of specific businesses. Results vary and are not typical. No particular result is promised or guaranteed.
- Savings figures are illustrative estimates based on stated assumptions, not projections of what you will save.
- Comparisons to other providers are based on publicly available information believed accurate as of the date prepared. Third-party pricing changes frequently and may differ from what is described. All third-party names and marks are the property of their respective owners, and their use does not imply affiliation or endorsement.
9. Communications Consent
By providing your phone number or email address through the Services, you agree that we and our agents may contact you at that number or address regarding your inquiry and our products and services, including by telephone call, text message, and email, and including through the use of automated dialing technology or prerecorded messages where permitted by law.
Consent is not a condition of purchasing any goods or services. Message and data rates may apply. Message frequency varies.
You may withdraw consent at any time by telling us during any call, by replying STOP to a text message, by using the unsubscribe link in any marketing email, or by emailing contact@renegadepayments.com. Withdrawing consent for marketing does not prevent us from contacting you about a transaction or application you initiated.
10. Intellectual Property
The Services and all content, features, and functionality, including text, graphics, logos, designs, layouts, software, and the selection and arrangement of content, are owned by Renegade Payments or its licensors and are protected by copyright, trademark, trade dress, and other intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services and to view and print content for your own internal business evaluation. All rights not expressly granted are reserved.
You may not use our name, logo, or trademarks without our prior written permission.
11. Feedback
If you send us ideas, suggestions, or feedback about the Services, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use and exploit that feedback for any purpose without obligation or compensation to you. Feedback is not confidential.
12. Third-Party Services and Links
The Services link to and integrate with third parties, including scheduling platforms, application portals, analytics providers, and security services. We do not control those third parties and are not responsible for their content, availability, accuracy, practices, or policies. Your use of a third-party service is governed by that party's own terms and privacy policy. Linking does not imply endorsement.
13. Disclaimer of Warranties
THE SERVICES, INCLUDING ALL CONTENT AND ANY ANALYSIS, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY CONTENT OR ANALYSIS IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT.
WE MAKE NO WARRANTY REGARDING ANY PRODUCT OR SERVICE OBTAINED THROUGH THE SERVICES OR ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROCESSOR, ACQUIRER, OR SPONSOR BANK.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER RENEGADE PAYMENTS NOR ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS WILL BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF BUSINESS OPPORTUNITY, LOSS OF GOODWILL, OR LOSS OR CORRUPTION OF DATA, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US, IF ANY, IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100).
THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
15. Indemnification
You agree to defend, indemnify, and hold harmless Renegade Payments and its officers, directors, members, employees, agents, affiliates, and licensors from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:
- Your use of or access to the Services
- Your Submitted Content, including any claim that it infringes or misappropriates the rights of a third party or was provided in breach of a confidentiality obligation
- Your submission of sensitive information in breach of Section 5
- Your breach of these Terms or of any representation or warranty you make in them
- Your violation of any applicable law or regulation, or of the rights of any third party
We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense. You will not settle any matter in a way that imposes any obligation or liability on us without our prior written consent.
16. Dispute Resolution, Arbitration, and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
16.1 Informal resolution first
Before filing any claim, you agree to contact us at contact@renegadepayments.com with a written description of the dispute and the relief you seek. The parties will attempt in good faith to resolve the dispute informally for at least thirty (30) days from that notice. This step is a precondition to starting arbitration.
16.2 Binding arbitration
If the dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules, rather than in court.
The arbitration will be conducted by a single arbitrator, will take place in Clark County, Nevada, or by video or telephone conference at your election, and will be governed by the Federal Arbitration Act. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.
16.3 Class action and jury trial waiver
YOU AND RENEGADE PAYMENTS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.
The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. YOU AND RENEGADE PAYMENTS EACH WAIVE THE RIGHT TO A TRIAL BY JURY.
If this Section 16.3 is found to be unenforceable as to a particular claim or request for relief, that claim or request will be severed and brought in court, while all other claims proceed in arbitration.
16.4 Your right to opt out of arbitration
You may opt out of the arbitration and class waiver provisions of this Section 16 by sending written notice to contact@renegadepayments.com, or to the mailing address in Section 22, within thirty (30) days of first accepting these Terms. Your notice must include your name, business name, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.
16.5 Exceptions
Either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to address unauthorized access to or use of the Services.
16.6 Time limit
To the fullest extent permitted by law, any claim arising out of or relating to these Terms or the Services must be brought within one (1) year after the cause of action accrues, or it is permanently barred.
17. Governing Law and Venue
These Terms and any dispute arising out of them are governed by the laws of the State of Nevada, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Subject to Section 16, you and Renegade Payments consent to the exclusive jurisdiction and venue of the state and federal courts located in Clark County, Nevada, and waive any objection based on lack of personal jurisdiction or inconvenient forum.
18. Termination and Suspension
We may suspend or terminate your access to the Services at any time, for any reason or no reason, with or without notice, including if we believe you have violated these Terms. You may stop using the Services at any time.
Sections 4, 5, 8, 10, 11, 13, 14, 15, 16, 17, and 19 through 22 survive termination.
19. Modifications to the Services and to These Terms
We may change, suspend, or discontinue any part of the Services at any time without notice, and we are not liable to you or any third party for doing so. We have no obligation to maintain, support, or update the Services.
We may revise these Terms at any time. When we do, we will update the "Last updated" date at the top of this page. Material changes will be indicated more prominently where required. Your continued use of the Services after a revision takes effect constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Services.
20. Electronic Communications and Signatures
By using the Services, sending us email, or completing a form, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing, and you consent to the use of electronic records and signatures.
21. General Provisions
Entire agreement. These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the Services and supersede all prior understandings on that subject.
Severability. If any provision is held unlawful, void, or unenforceable, that provision is severed and the remaining provisions remain in full force.
No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.
Force majeure. We are not liable for any delay or failure to perform caused by circumstances beyond our reasonable control.
No agency. These Terms do not create any partnership, joint venture, employment, or agency relationship between you and us.
Interpretation. These Terms will not be construed against us by virtue of our having drafted them. Headings are for convenience only.
22. Contact Us
Questions about these Terms, or notices required under them, should be directed to:
Renegade Payments 365 East Windmill Lane, Suite 100A Las Vegas, NV 89123
Email: contact@renegadepayments.com Phone: (725) 291-4911