TERMS AND CONDITIONS

Please read these Terms and Conditions (the "Terms") carefully before using interchangepassthrough.com (the "Website") operated by 1st Financial Merchant Group, LLC ("Company," "we," "us," or "our"). Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

INTERPRETATION AND DEFINITIONS

INTERPRETATION

Words with initial capital letters have meanings defined below. These definitions apply whether they appear in singular or plural.

DEFINITION

  • Account means a unique account created for you to access parts of the Website (if enabled).

  • Affiliate means an entity that controls, is controlled by, or is under common control with a party; "control" means ownership of 50% or more of the shares or voting interests.

  • Content means text, images, documents, data, or other material posted, uploaded, or otherwise made available on or through the Website.

  • Device means any device that can access the Website (e.g., computer, cellphone, tablet).

  • Service means the Website and the information, tools, and features we provide (including any calculators, forms, and the Upload Your Statement functionality if available).

  • Third‑Party Service means any website, application, or service not owned or controlled by the Company.

  • You means the individual accessing the Website, or the company or other legal entity on whose behalf that individual accesses the Website.

INFORMATIONAL NATURE; NO PROFESSIONAL ADVICE

The Website provides general information about interchange‑plus / pass‑through pricing and related merchant‑services concepts. Content on the Website does not constitute legal, financial, accounting, or other professional advice. You should consult your advisors before making decisions.

ESTIMATES AND SAVINGS ANALYSIS

Any savings estimates, comparisons, or calculators on the Website are illustrative only. Actual pricing depends on your specific processing profile, card mix, volumes, risk, and underwriting by acquiring banks and processors. We make no guarantee that your business will achieve any particular savings or outcome. All proposals are subject to due diligence, approval, and separate written agreements.

UPLOADS AND SUBMISSIONS

If you submit Content (including merchant processing statements):

  • You represent that you have the right to provide the Content and that it does not violate any law or third‑party rights.

  • Do not include or upload cardholder primary account numbers (PANs), magnetic‑stripe data, or CVV/CVC.

  • You grant the Company a limited, non‑exclusive license to use the Content solely to evaluate your processing, prepare analyses or proposals, and provide support you request.

  • We may delete uploads after they are no longer needed for the stated purpose, subject to legal retention requirements.

INTELLECTUAL PROPERTY

The Website and its original content, features, and functionality are and will remain the exclusive property of the Company and its licensors and are protected by copyright, trademark, and other laws. Except as expressly permitted in these Terms, you may not copy, modify, create derivative works based upon, publicly display, publicly perform, republish, download, store, or transmit any materials on the Website without our prior written consent.

PROHIBITED USES

You agree not to use the Website:

  • in violation of any applicable law or regulation;

  • to exploit, harm, or attempt to exploit or harm others;

  • to transmit any advertising or promotional material without our prior written consent;

  • to impersonate or attempt to impersonate the Company or any person or entity; or

  • to engage in conduct that restricts or inhibits anyone's use or enjoyment of the Website or which may harm the Company or users. You also agree not to:

  • disable, overburden, damage, or impair the Website;

  • use any robot, spider, or other automatic device, process, or means to access the Website; or

  • introduce viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material.

THIRD PARTY SERVICE AND LINKS

The Website may contain links to or integrations with Third‑Party Services. We do not control and are not responsible for the content, privacy policies, or practices of any Third‑Party Services. You acknowledge and agree that we shall not be liable for any damage or loss caused by or in connection with your use of or reliance on any Third‑Party Services.

COMMUNICATIONS

By providing contact information through the Website, you consent to receive communications from us (e.g., responses to inquiries, service updates, and, where permitted, marketing). You can opt out of marketing emails using the unsubscribe link in the message.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Website; or (c) your Content, including any uploaded statements or materials.

LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company and its affiliates, employees, agents, suppliers, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages (including lost profits, data, goodwill) resulting from or related to your use of or inability to use the Website, Third‑Party Services, or content. Our total aggregate liability for all claims relating to the Website shall not exceed one hundred U.S. dollars (US$100) or the amount you paid us, if any, in the 3 months preceding the claim—whichever is greater.

IDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company and its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your content, any use of the Website's content, services, and products other than as expressly authorized, or your use of any information obtained from the Website.

DISCLAIMER OF WARRANTIES

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR‑FREE.

DISPUTE RESOLUTION

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at [email protected] (or the email in Contact Us below). If we cannot resolve the dispute within 30 days, each party may pursue permitted remedies in a court of competent jurisdiction in Los Angeles County, California. Nothing in this section limits either party’s right to seek injunctive or other equitable relief.

GOVERNING LAW; VENUE

These Terms are governed by the laws of the State of California, without regard to conflict of laws principles. You agree that the state and federal courts located in Los Angeles County, California shall have exclusive jurisdiction and venue over any dispute arising out of or relating to these Terms or the Website. Your local mandatory consumer protection laws may also apply.

CHANGES TO THESE TERMS

We may modify or replace these Terms at any time. We will post the updated Terms on this page and update the "Last updated" date above. Changes are effective when posted. Your continued use of the Website after posting means you accept the changes.

CHANGES TO THESE TERMS

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Website will cease immediately. Sections that by their nature should survive termination shall survive (e.g., Intellectual Property, Indemnification, Limitation of Liability, Governing Law).

CONTACT US

If you have questions about this Privacy Policy or our privacy practices, or if you would like to exercise your rights, contact us:

Email: [email protected]
Phone: 866‑368‑6394
Mail/Visit: 1st Financial Merchant Group, LLC, 21224 Vanowen Street, Los Angeles, CA 91303, United States

Email: [email protected]

Phone : (310) 925-4528

Address : 14011 Ventura Blvd, Sherman Oaks, CA 91423