1. Acceptance of Terms

By accessing and using the Prowess Payments website and services, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Services

Prowess Payments provides independent payments advisory and consultancy services, including but not limited to:

• Payment architecture review and assessment
• PSP and acquirer strategy consulting
• Payment performance and acceptance optimization
• Cross-border and FX strategy advisory
• Risk, fraud, and compliance alignment
• Ongoing advisory support and fractional payments expertise

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

3. User Eligibility

Our services are intended for business and commercial use only. By using our services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You are authorized to represent the business or organization on whose behalf you are engaging our services
• All information you provide is accurate, current, and complete
• You will comply with all applicable laws and regulations

4. User Accounts and Registration

Certain features of our services may require you to create an account. When creating an account, you agree to:

• Provide accurate and complete information
• Maintain the security and confidentiality of your account credentials
• Promptly update your account information to keep it current
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activity.

5. Intellectual Property Rights

Our Content

All content on the Prowess Payments website and services, including but not limited to text, graphics, logos, images, software, and documentation, is the property of Prowess Payments or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for their intended purpose. You may not:

• Copy, modify, distribute, or create derivative works from our content
• Reverse engineer, decompile, or disassemble any software or technology
• Remove or alter any copyright, trademark, or proprietary notices
• Use our content for commercial purposes without written permission
• Frame or mirror any part of our services without authorization

User-Submitted Content

By submitting content to us (including feedback, suggestions, or materials), you grant us a worldwide, royalty-free, perpetual license to use, reproduce, modify, and distribute such content for our business purposes.

6. Professional Services and Consulting

Our advisory and consulting services are provided based on our professional expertise and industry knowledge. However, you acknowledge that:

• We provide independent advice and are not affiliated with any specific payment provider
• Final decisions regarding payment strategies and provider selection remain your responsibility
• We do not guarantee specific financial results or performance improvements
• You should conduct your own due diligence and seek additional legal or financial advice as needed

7. Payment Terms and Fees

If you engage our paid services, you agree to the following payment terms:

• Fees will be specified in our service agreement or proposal
• Payment is due according to the terms outlined in your agreement
• All fees are non-refundable unless otherwise stated
• Late payments may incur additional charges as specified in your agreement
• We reserve the right to suspend services for non-payment
• Prices are subject to change with reasonable notice

8. Confidentiality

We understand the sensitive nature of payment information and business data. Both parties agree to:

• Maintain the confidentiality of proprietary and sensitive information
• Use confidential information only for the purposes of our engagement
• Implement reasonable security measures to protect confidential data
• Not disclose confidential information to third parties without consent
• Return or destroy confidential information upon termination of services

Confidential information does not include data that is publicly available, independently developed, or required to be disclosed by law.

9. Prohibited Uses

You agree not to use our services to:

• Violate any applicable laws, regulations, or third-party rights
• Engage in fraudulent, deceptive, or misleading practices
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt our services or servers
• Attempt unauthorized access to our systems or user accounts
• Collect or harvest user information without consent
• Impersonate another person or entity
• Engage in any activity that harms our reputation or business interests

10. Limitation of Liability

To the maximum extent permitted by law, Prowess Payments and its affiliates, officers, employees, and partners shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use our services
• Damages resulting from third-party services or products
• Damages caused by errors, omissions, or interruptions in service

Our total liability for any claims arising from our services shall not exceed the amount you paid us in the twelve months preceding the claim.

11. Disclaimers and Warranties

Our services are provided “as is” and “as available” without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties of uninterrupted or error-free service
• Warranties regarding security or freedom from viruses

We do not warrant that our services will meet your specific requirements or that results will be achieved.

12. Indemnification

You agree to indemnify, defend, and hold harmless Prowess Payments and its affiliates, officers, employees, and partners from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use or misuse of our services
• Your violation of these Terms of Use
• Your violation of any third-party rights
• Any content or information you submit to us
• Your business operations and payment implementations

13. Termination

Either party may terminate services or access to our website at any time:

Termination by You

You may stop using our services at any time. If you have a paid service agreement, termination terms will be specified in that agreement.

Termination by Us

We reserve the right to suspend or terminate your access to our services immediately, without prior notice, if you:

• Violate these Terms of Use
• Fail to pay fees when due
• Engage in fraudulent or illegal activity
• Harm our business interests or reputation

Effect of Termination

Upon termination, your right to use our services immediately ceases. Provisions relating to intellectual property, confidentiality, limitation of liability, and indemnification shall survive termination.

14. Third-Party Links and Services

Our website may contain links to third-party websites, services, or resources. We do not endorse or assume responsibility for:

• The content, privacy policies, or practices of third-party sites
• The quality, accuracy, or reliability of third-party services
• Any transactions you enter into with third parties
• Damages or losses caused by third-party services

Your use of third-party websites and services is at your own risk and subject to their terms and conditions.

15. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions.

Dispute Resolution

In the event of any dispute arising from these Terms or our services:

• The parties shall first attempt to resolve the dispute through good-faith negotiation
• If negotiation fails, disputes may be submitted to mediation before a mutually agreed mediator
• Any unresolved disputes shall be subject to binding arbitration or litigation as specified in service agreements

Venue

Any legal action or proceeding shall be brought exclusively in the courts of [Jurisdiction], and you consent to the jurisdiction of such courts.

16. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Prowess Payments.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or technical failures.

17. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the “Last Updated” date at the top of this page
• Material changes will be communicated via email or prominent notice on our website
• Your continued use of our services after changes constitutes acceptance of the modified Terms
• If you do not agree to the modified Terms, you should discontinue use of our services

18. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Use, please contact us:

We will respond to your inquiry within a reasonable timeframe.