Effective Date: [01/2020]

​These Terms of Service (“Terms”) govern your use of the services provided by Karma Card Payments (“KCP,” “we,” “us,” or “our”) through our website and related services (collectively, the “Services”).​ By accessing or using our Services, you agree to these Terms. If you do not agree with any part of these Terms, please do not use our Services.

1. Acceptance of Terms

By accessing or using our Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you are using the Services on behalf of a company or other entity, you represent that you have the authority to bind that entity to these Terms.

2. Changes to Terms

We reserve the right to amend or modify these Terms at any time. Changes will be effective immediately upon posting on our website or through our Services. Your continued use of the Services after any changes indicates your acceptance of the new Terms.

3. Eligibility

To use our Services, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using our Services, you represent and warrant that you meet these eligibility requirements.

4. Services Provided

KCP provides payment processing services, including but not limited to:

• Processing credit, debit, and other payment transactions on behalf of merchants.
• Providing tools and resources to help businesses manage payments and transactions.

5. Account Registration

To use certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

6. Payment Terms

By using our Services, you agree to pay all fees associated with your account and the Services you utilize. We reserve the right to modify our fees at any time, provided that we will notify you of fee changes before they take effect. Payments may be processed through third-party payment processors, and you agree to comply with all applicable payment processor terms and conditions.

7. Prohibited Uses

You agree that you will not use the Services for any unlawful purpose or in a manner that could damage, disable, overburden, or impair the Services, or interfere with any other party’s use of the Services. Prohibited activities include, but are not limited to:

• Engaging in fraudulent or deceptive practices.
• Violating any applicable laws, regulations, or third-party rights.
• Transmitting malware, viruses, or other harmful code.

8. Limitation of Liability

To the fullest extent permitted by applicable law, KCP shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify, defend, and hold harmless KCP, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your infringement of any rights of another party.

10. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, if you breach these Terms or if we determine that your conduct may harm KCP or other users of the Services. Upon termination, your right to use the Services will immediately cease.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the [Insert State], without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Services shall be resolved in the state or federal courts located in [Insert County/City].

12. Contact Information

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

• Email: support@karmacardpayments.com
• Phone: 1-800-988-2215

13. Miscellaneous

These Terms constitute the entire agreement between you and KCP regarding your use of the Services and supersede all prior agreements and understandings. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Thank you for choosing Karma Card Payments. We look forward to providing you with our services!