Terms of Service

1. Acceptance of terms

By accessing or using ProcessorWatch.com (the "Site"), operated by Paynetic Technologies in partnership with Nationwide Payments (collectively, "we," "us," or "our"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Site.

2. Who we are and shared responsibility

ProcessorWatch is a trade publication about the payment processing industry. We are informed practitioners publishing our own opinions and analysis of publicly available information; we are not neutral outside observers. See our Disclosure for details of our commercial affiliations and editorial commitments.

3. Not legal, financial, tax, or business advice

Nothing on the Site is legal, financial, tax, accounting, or business advice, and nothing on the Site is a recommendation or solicitation to enter into, renew, or exit any merchant services agreement or other commercial arrangement. Payment processing arrangements are complex and fact-specific; consult a qualified professional for your situation.

4. No affiliation; nominative use of trademarks

Unless expressly stated, ProcessorWatch is not affiliated with, endorsed by, or sponsored by any processor, acquirer, ISO, payment facilitator, gateway, card network, bank, or other entity named on the Site. All company names, product names, logos, and trademarks are the property of their respective owners and are used only for identification and commentary consistent with nominative fair use. See our Trademark & Nominative Use Notice.

5. User submissions

When you submit a review, comment, question, or other content ("Submission") through the Site, you represent and warrant that:

• The Submission reflects your own first-hand experience and is truthful and accurate to the best of your knowledge.
• You are not currently bound by a non-disclosure, confidentiality, or non-disparagement obligation that would be breached by making the Submission.
• The Submission does not contain any other person's confidential information, personal data, or protected trade secrets.
• The Submission is not defamatory, unlawful, harassing, or misleading, and does not infringe any third-party right.
• You have the right to grant the license below.

You grant us a perpetual, worldwide, royalty-free, sublicensable, non-exclusive license to review, edit for clarity or brevity, publish (including in aggregated, composite, or anonymized form), redistribute, and translate your Submission in connection with the Site and our related editorial output.

We may decline, edit, or remove any Submission at our sole discretion. We make no promise that any Submission will be published. Submissions are not confidential.

6. Interactive computer service; third-party content

The Site includes information and Submissions provided by third parties. We act as an "interactive computer service" as defined by 47 U.S.C. § 230, and we are not the publisher or speaker of Submissions or other content provided by third parties. We disclaim liability for such content to the fullest extent permitted by law.

7. Acceptable use

You agree not to:

• Scrape, crawl, harvest, or bulk-download the Site or its content by automated means without our prior written consent, other than good-faith indexing by public search engines that respect our robots.txt.
• Use the Site or its content to train, fine-tune, or ground any machine-learning or generative AI model without our prior written consent.
• Copy, republish, redistribute, or create derivative works from the Site's editorial content beyond fair use.
• Submit false, defamatory, unlawful, harassing, or misleading content, or impersonate any person or entity.
• Interfere with, probe, or attempt to reverse-engineer the Site, its infrastructure, or its security controls.
• Use the Site in violation of any applicable law or regulation.

See the full Acceptable Use Policy.

8. Editorial content is opinion

Except for verbatim quotations from primary sources or Submissions expressly attributed to named contributors, all "concerns," "praises," "hearing," "verdict," and analyst commentary on the Site are our opinions and interpretations of publicly available information, industry patterns, and merchant experiences. We publish them in good faith as commentary on matters of legitimate interest to merchants and other market participants. They are not statements of objective fact about any named company, individual, or product.

Merchant "experiences" shown on processor profiles are illustrative composites drawn from patterns in public reviews and industry forums; attributions are generalized by vertical (e.g., "Auto shop owner, Midwest") and do not identify any specific merchant, transaction, or agreement.

9. Corrections and right of reply

We publish a Corrections & Right of Reply policy. If you are a company, executive, or merchant discussed on the Site and you believe a factual statement is inaccurate, you may request a correction, an accompanying rebuttal, or removal by following that policy.

10. Copyright and DMCA

We respect intellectual property. If you believe content on the Site infringes your copyright, please follow our Copyright / DMCA Policy.

11. Disclaimers

The Site and all content on it are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or completeness. Processor practices, pricing, and contract terms change frequently. You are responsible for verifying any information directly with the relevant processor or advisor before making any commercial decision.

12. Binding arbitration; class-action waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (each, a "Dispute") shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in [COUNTY], [STATE], or by video or telephone at the arbitrator's discretion. Judgment on the award may be entered in any court of competent jurisdiction.

You and we 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 or representative proceeding. The arbitrator may not consolidate claims and may not preside over any form of representative or class proceeding.

Notwithstanding the foregoing, either party may bring an individual action in small-claims court or seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights.

JURY-TRIAL WAIVER. To the extent any Dispute is heard in court, each party waives any right to a jury trial.

13. Limitation of liability

To the fullest extent permitted by law, Paynetic Technologies, Nationwide Payments, and their respective affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any lost profits, revenue, business, goodwill, or data, arising out of or relating to the Site or these Terms, even if advised of the possibility of such damages.

Our total aggregate liability for any and all claims arising out of or relating to the Site or these Terms shall not exceed the greater of (a) the amounts, if any, you paid us in the twelve (12) months preceding the event giving rise to the claim, and (b) one hundred U.S. dollars ($100).

14. Indemnification

You agree to defend, indemnify, and hold harmless Paynetic Technologies,Nationwide Payments, and their affiliates from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your Submissions, (b) your use of the Site in violation of these Terms or applicable law, or (c) your violation of any third-party right.

15. Governing law and venue

These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-laws principles. Subject to Section 12, the exclusive venue for any court proceeding shall be the state or federal courts located in [COUNTY], [STATE], and you consent to personal jurisdiction there.

16. Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after we post an updated version constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is held unenforceable, that provision shall be modified only to the extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

18. Contact

Legal notices: legal@processorwatch.com · Paynetic Technologies, [POSTAL ADDRESS]. General questions may be sent via the Contact page.