1. Acceptance of Terms

By accessing or using the services provided by Pay It Forward Processing ("PF Processing", "we", "our", or "us"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

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2. Services Provided

PF Processing provides payment processing solutions, merchant services, and related support for businesses, including but not limited to:

• Credit and debit card processing

• Payment gateway services

• Merchant account support

• Business consulting related to payment systems

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice.

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3. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use our services.

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4. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information

• Use our services in compliance with all applicable laws and regulations

• Not use our services for fraudulent, illegal, or unauthorized purposes

• Maintain the confidentiality of your account information

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5. Payment & Fees

All fees associated with our services will be disclosed prior to onboarding or within your service agreement.

PF Processing is not responsible for additional fees charged by third-party providers, banks, or card networks.

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6. Third-Party Services

Our services may integrate with third-party providers (e.g., payment gateways, banks, or software platforms). We are not responsible for the performance, policies, or actions of these third parties.

7. SMS & Communications Consent

By providing your phone number and opting in through our website or other channels, you agree to receive SMS messages from PF Processing.

Types of Messages You May Receive:

• Transactional messages (account updates, support responses, notifications)

• Promotional or marketing messages (if you explicitly opt in)

Message Details:

• Message frequency may vary

• Message and data rates may apply

Opt-Out Instructions:

You can opt out at any time by replying:

• STOP to unsubscribe

• HELP for assistance

Consent to receive SMS messages is not a condition of purchase.

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8. Privacy

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Your use of our services is also governed by our Privacy Policy.

Pay It Forward Processing does not sell, rent, or share your personal information with third parties for marketing or promotional purposes.

SMS consent is not shared with third parties or affiliates for marketing purposes.

We may share information only with trusted service providers (such as payment processors, messaging providers, or technical platforms) strictly for the purpose of delivering our services, and only as necessary.

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9. Intellectual Property

All content, branding, logos, and materials provided by PF Processing are the intellectual property of PF Processing and may not be used without permission.

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10. Limitation of Liability

To the fullest extent permitted by law, PF Processing shall not be liable for any indirect, incidental, or consequential damages resulting from:

• Use or inability to use our services

• Errors or interruptions in service

• Third-party system failures

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11. Indemnification

You agree to indemnify and hold harmless PF Processing from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

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12. Termination

We reserve the right to suspend or terminate your access to services at our discretion, without prior notice, for violations of these Terms.

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13. Changes to Terms

We may update these Terms of Service at any time. Continued use of our services constitutes acceptance of the updated terms.

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14. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Cave Creek, Arizona

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15. Contact Information

If you have any questions about these Terms, please contact us:

Pay It Forward Processing (PFProcessing)
Website: https://pfprocessing.com

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16. By providing your phone number and opting in through our website forms, you consent to receive SMS messages from Pay it Forward Group (PF Processing).

Types of Messages:
You may receive transactional messages such as responses to inquiries, account updates, and service-related notifications. If you opt in to marketing, you may also receive promotional messages, offers, and updates.

Message Frequency:
Message frequency may vary depending on your interaction with our services.

Opt-In Method:
You opt in by submitting your information through a form on our website https://pfprocessing.com and checking the consent box to receive SMS messages.

Opt-Out:
You can opt out at any time by replying STOP to any message.

Help:
Reply HELP for assistance.

Message & Data Rates:
Message and data rates may apply depending on your mobile carrier.

Carrier Disclaimer:
Carriers are not liable for delayed or undelivered messages.

Privacy:
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All SMS opt-in data and consent will remain confidential.