Terms of Service.

1. Acceptance of terms

By accessing or using the website or services of Vantage Merchant Group LLC (“Vantage,” “we,” “us,” or “our”), you agree to these Terms of Service (“Terms”). If you do not agree, please do not use our website or services.

You must be at least 18 years old to use our services. If you use our services on behalf of a business, you confirm that you have the authority to accept these Terms for that business.

2. Our services

Vantage is a payments consultancy. We help businesses find and set up payment and funding solutions through our network of payment processors, acquiring banks and funding partners. Our services include:

• Payment consulting: reviewing your current processing setup, costs and needs, and recommending solutions.
• Merchant account placement: helping you apply for merchant accounts for card, online, ACH and other electronic payments with our processing partners.
• Applications and onboarding: collecting and submitting your application and supporting documents to partners for underwriting and approval.
• Technology guidance: helping you choose and set up gateways, virtual terminals, hosted payment pages and related tools.
• Business funding referrals: helping you compare and apply for funding options such as invoice factoring, merchant cash advances and equipment financing.
• Ongoing support: help with your account after setup, including questions about statements, deposits, chargebacks and pricing.

Vantage does not process payments, hold merchant funds or provide loans or funding directly. Those services are provided by our partners under their own agreements.

3. Information you provide

When you contact us or submit an application, you agree to:

• Provide accurate, current and complete information about yourself, your business and its owners.
• Promptly tell us about changes that affect your application or account.
• Only submit information and documents you are authorized to share.

You authorize Vantage to share the information you provide with processing, banking and funding partners so they can review your application, including identity, credit and background checks where they require them. How we handle your information is described in our Privacy Policy.

4. Partner approval and agreements

• Approval is not guaranteed: all merchant accounts and funding are subject to the partner’s own application review, underwriting and approval. Partners may decline, limit or close accounts at their discretion.
• Partner agreements govern: if you are approved, your merchant account or funding will be governed by a separate agreement between you and that partner, including its rates, fees, settlement schedule, reserves and termination terms. If anything in these Terms conflicts with your partner agreement, the partner agreement controls for those services.
• Card network rules: you are responsible for following the rules of the card networks (such as Visa, Mastercard, American Express and Discover) and of your processor.
• Chargebacks and reserves: you are responsible for chargebacks, disputes and related fees on your transactions. Processors may hold reserves or delay funds based on their risk review.

5. Fees and pricing

• Processing rates and fees are set by your processing or funding partner and will be shared with you before you sign your partner agreement.
• Any savings estimates or cost comparisons we provide, such as a payment review or cost savings analysis, are estimates based on the information available to us. Actual costs depend on your processing volume, card mix and final partner pricing.
• If Vantage charges you directly for any service, we will tell you the fee in writing before you agree to it.

6. Prohibited activities

You agree not to use our website or services to:

• Seek services for goods, services or activities that are illegal under federal, state or local law.
• Submit false, misleading or incomplete information, or apply on behalf of a business you are not authorized to represent.
• Engage in fraud, money laundering, terrorist financing or any activity that violates anti-money laundering laws.
• Seek processing for goods or services prohibited by the card networks or our partners.
• Interfere with, damage or overload our website, or try to gain unauthorized access to it.

We may stop working with you, and partners may decline or close accounts, if we believe you have violated these Terms. Where required, suspected illegal activity may be reported to the appropriate authorities.

7. Intellectual property

All content on our website, including text, graphics, logos and the Vantage Merchant Group name, is owned by Vantage or its licensors and protected by intellectual property laws. You may view and use the site for your own business purposes. You may not copy, reproduce, distribute or modify our content, use scraping or data-gathering tools on our site, or use our name or logo without our written permission.

8. Limitation of liability

To the fullest extent permitted by law:

• As-is basis: our website and services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement.
• Partner services: Vantage is not responsible for the actions, decisions, pricing, outages or failures of processors, banks, funding partners, card networks or other third parties.
• No indirect damages: Vantage is not liable for any indirect, incidental, special, consequential or punitive damages, including lost profits, revenue, data or business opportunities.
• Maximum liability: Vantage’s total liability for any claim related to these Terms or our services will not exceed the amount you paid directly to Vantage in the twelve (12) months before the claim arose, or one hundred dollars ($100) if you paid us nothing.

9. Indemnification

You agree to indemnify and hold harmless Vantage and its owners, employees and agents from any claims, losses, damages and expenses (including reasonable attorneys’ fees) arising from:

• Your use of our website or services.
• Inaccurate or incomplete information you provide.
• Your violation of these Terms, any law, or card network or partner rules.
• Disputes between you and your customers, partners or other third parties, including chargebacks, fines or assessments related to your processing.

10. Termination

• By you: you can stop using our services at any time by letting us know in writing. Ending your relationship with Vantage does not cancel any separate agreement you have with a processor or funding partner; you must follow that agreement’s terms to end it.
• By Vantage: we may stop providing services to you at any time, including immediately if we suspect fraud, prohibited activity or a violation of these Terms.
• Surviving terms: sections on limitation of liability, indemnification, governing law and any others that by their nature should continue will survive termination.

11. Governing law and disputes

These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-law rules.

If a dispute arises, please contact us first so we can try to resolve it informally. Any dispute that cannot be resolved informally will be settled by binding arbitration in Fulton County, Georgia, under the rules of the American Arbitration Association, and the arbitrator’s decision will be final.

Class action waiver: disputes will be resolved on an individual basis only, and you waive any right to bring or join a class, collective or representative action against Vantage.

Either party may still seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property or prevent irreparable harm.

12. Changes to these terms

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and change the “Last updated” date at the top. Continuing to use our website or services after changes are posted means you accept the updated Terms.

13. Contact us

If you have questions about these Terms or need to reach us for any reason, contact: