Terms of Service

Welcome to the Bankcard Revelation Site (defined below). By using it, you are agreeing to these Terms of Use (defined below). Please read them carefully. If you have any questions, contact us here.

These Terms of Use were last updated on August 1, 2014.

ACCEPTANCE OF TERMS OF USE

Bankcard Revelation. (“BR” "we" or “us” or “our”) owns and operates the website, www.bankcardrevelation.com, the mobile and touch versions and any sites we have now or in the future that reference these Terms of Use (collectively, "Site"). By using the Site and Bankcard Revelation’s services through the Site, you agree to these Terms of Use (defined below) and any additional terms applicable to certain programs in which you may elect to participate. You also agree to our Privacy Statement, located at http://www.bankcardrevelation.com/privacy, and acknowledge that you will regularly visit the Terms of Use (defined below) to familiarize yourself with any updates. The Privacy Statement, together with these terms of use, and any other terms contained herein or incorporated herein by reference, are collectively referred to as the "Terms of Use." The term "using" also includes any person or entity that accesses or uses the Site with crawlers, robots, data mining or extraction tools or any other functionality.

IF YOU DO NOT AGREE TO THESE TERMS OF USE, IMMEDIATELY STOP USING THE SITE AND DO NOT USE ANY BANKCARD REVELATION SERVICE, PARTICIPATE IN ANY PROGRAM OR PURCHASE ANY PRODUCT OR OTHER GOOD OR SERVICE OFFERED THROUGH THE SITE.

The BR website and related services are offered to you conditioned upon your acceptance without modification of these Terms of this Service Agreement. From time to time, it may be necessary for BR to update or revise certain provisions of the Terms of this Service Agreement. By using this Web Site or joining BR and accepting the Service Agreement, you agree that BR may change the terms of this Service Agreement in its sole discretion without specific notice to you. If you don't agree to the changes proposed by BR, or to any terms in this Service Agreement, your only remedy is to cancel your use of the services offered under this agreement.

The Terms of Service is organized as follows:

  1. Description of Services
  2. General Use of Bankcard Revelation Website
  3. Charges and Billing
  4. General Billing
  5. Third Party Content
  6. Disclaimers of Warranties
  7. Bankcard Revelation Software License
  8. Indemnification
  9. Copyright and Trademark Notices
  10. Intellectual Property
  11. Modifications
  12. Termination and Cancellation
  13. General Terms

 

1. Description of Services

BR operates this Web site and associated web pages, which, for purposes of these Terms of this Service Agreement, will be referred to as the "BR Web Site(s)". BR offers you access to the BR Web Sites, which provides you access to a collection of resources, including, but not limited to, educational materials about payment processing services, online tools to learn more about pricing of payment processing services and related goods and services (the "Service"). BR offers you access to the BR Web Site in exchange for your payment of the fees, if applicable, and your agreement to accept and comply with the terms, conditions, policies and notices stated here and as may be modified by BR from time-to-time in its sole discretion without notice to you. Notwithstanding the foregoing, BR reserves the right to reject any registration for any reason. Unless explicitly stated otherwise, any new features or products that change, augment or enhance the current Service shall be subject to this Service Agreement.

All information provided on this website is for informational purposes only. Any savings information that you may receive from a payment processing provider is provided directly to you by the payment processing provider, and is not provided by BR. Neither the accuracy of information provided on this website by a payment processing provider, nor the availability or quality of payment processing, is guaranteed or controlled by BR, and BR assumes no responsibility for the foregoing. You agree that any reliance on the information on this website is at your own risk. You are encouraged to thoroughly review any documents you are asked to sign at the time of purchase or lease of payment processing services or of other products or services.

You may negotiate the purchase price directly with the payment processing provider, and BR plays no role in that negotiation.

For the avoidance of doubt, BR is solely a research and communications platform. BR is not a payment processing provider. BR receives a fee from the participating dealers or third-party service providers in connection with the Services.

 

2. General Use of Bankcard Revelation Website

You promise that you will not use the BR Web Site or the Service in whole or in part, for any purpose that is unlawful or prohibited by this Service Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other Web site, transfer, or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the BR Web Site. This means, among other activities, that you agree not to engage in the practices of screen scraping, database scraping, or any other activity with the purpose of obtaining lists of users or other information. You agree that you will not use the Service in any manner that could damage, disable, overburden, or impair the BR Web Site or interfere with any other party's use and enjoyment of the BR Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the BR Web Site. Except with the written permission of BR, you agree that you will not access or attempt to access password protected, secure or non-public areas of the BR Web Site. Unauthorized individuals attempting to access prohibited areas of the BR Web Site may be subject to prosecution.

 

3. Charges and Billing

You hereby authorize BR to charge your credit card in advance for all fees incurred by you in connection with your BR account and the service you have chosen. In most cases, we will be charging your designated credit card or checking account every month, but some charges may accumulate on your account before they are charged to your card. It is your responsibility to notify BR if your credit card has expired and to make changes or your service may be disconnected or interrupted. All fees shall be paid in U.S. dollars. BR reserves the right to change our fees or billing methods at any time, provided, however, that such modifications shall not take effect earlier than thirty (30) days after BR posts such modification on the BR Web Site. BR also has the right to collect applicable taxes and impose premium surcharges for some areas of the service and these surcharges may apply immediately after you register for the Service. We expect you to pay your account balance on time. Amounts not paid by you to BR when due will be assessed an additional 1.5% (or the highest amount allowed by law, whichever is lower) per month if your payment is more than thirty (30) days past due. That amount is also due immediately. You are responsible and liable for any fees, including attorney and collection fees, that BR may incur in its efforts to collect any remaining balances from you. You also agree that you will be billed for and will pay any outstanding balances if you cancel any Service. You should let BR know about any billing problems or discrepancies within thirty (30) days after they first appear on your account statement. If you do not bring them to BR's attention within thirty (30) days, you agree that you waive your right to dispute such problems or discrepancies.

 

4. General Billing

In order for you to participate in the Service, BR will require that you provide specific information about yourself and/or your business. If you choose to participate, you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity (such information being "Member Data"). Member Data and certain other information about you and/or your business are subject to our Privacy Policy. You agree and acknowledge that Member Data from the registration process is used to send you information about BR and the Service, including, but not limited to, the use of your email address for newsletters and other necessary company communication. For more information, BR urges you to review the BR Privacy Policy that is part of this Agreement.

 

5. Third Party Content

The BR Web Site contains content and information from third party providers and/or links to their Web sites ("Third Party Content"). Such content is not under the control of BR and BR is not responsible for such content, including, without limitation, any link contained in such content, or any changes or updates to such content. BR is providing such Third Party Content to you only as a convenience, and the inclusion of such content does not imply endorsement by BR of such content or the affiliate. You may be subject to additional and/or different terms, conditions, and privacy policies when you use third party services, content, software, or sites. BR does reserve the right to remove content that, in BR's judgment, does not meet its standards, but BR is not responsible for any failure or delay in removing such material BR is not and will not be responsible for (i) the terms and conditions of any transaction between you and any third party, (ii) any insufficiency of or problems with any such third party's background, insurance, credit or licensing, or (iii) the quality of services performed by any such third party or any other legal liability arising out of or related to the performance of such services. In the event that you have a dispute with any such third party, you release BR (and its affiliates, suppliers, agents and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

 

6. Disclaimers of Warranties you expressly understand and Agree That

NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY OR TO ANY OTHER THIRD PARTY FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, INCIDENTAL, RELIANCE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE, WHETHER FORESEEABLE OR UNFORESEEABLE, AND WHETHER BASED ON BREACH OF ANY EXPRESS OR IMPLIED WARRANTY, BREACH OF CONTRACT, MISREPRESENTATION, NEGLIGENCE, STRICT LIABILITY IN TORT, OR OTHER CAUSE OF ACTION (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF DATA, GOODWILL, PROFITS, INVESTMENTS, USE OF MONEY, OR USE OF FACILITIES; INTERRUPTION IN USE OR AVAILABILITY OF DATA; STOPPAGE OF OTHER WORK OR IMPAIRMENT OF OTHER ASSETS; OR LABOR CLAIMS), EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES SHALL BR's TOTAL LIABILITY TO YOU OR ANY THIRD PARTY ARISING OUT OF OR RELATED TO THIS AGREEMENT EXCEED THE AMOUNTS PAID BY YOU UNDER THIS AGREEMENT TO A MAXIMUM OF ONE THOUSAND DOLLARS ($1,000.00) REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON WARRANTY, CONTRACT, TORT OR OTHERWISE.

 

7. Bankcard Revelation Software License

BR provides you with a non-exclusive, non-transferable, limited license to use BR's software, which you agree to use in accordance with this Service Agreement. You may not sub-license, or charge others to use or access, our software without first obtaining written permission from us. All software is owned by BR and/or its suppliers and is protected to the maximum extent permitted by copyright laws and international treaty provisions. Any reproduction, modification or redistribution of the software is expressly prohibited, and may result in severe civil and criminal penalties. BR's software, its structure, sequence and organization and source code are considered trade secrets of BR and its suppliers and are protected by trade secret laws. WITHOUT LIMITED THE FOREGOING, COPYING OR REPRODUCING THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPORDUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. YOU MAY NOT DECOMPILE OR DISASSEMBLE, REVERSE ENGINEER OR OTHERWISE ATTEMPT TO DISCOVER ANY SOURCE CODE CONTAINED IN ANY SOFTWARE PROVIDED HEREUNDER.

8. Indemnification

You agree to indemnify, defend, and hold harmless BR, its employees, members, directors, managers, officers or agents from and against any loss, liability, damage, penalty or expense (including attorneys' fees, expert witness fees and cost of defense) they may suffer or incur as a result of (i) any failure by you or any employee, agent or you of you to comply with the terms of this Agreement; (ii) any warranty or representation made by you being false or misleading; (iii) any representation or warranty made by you or any employee or agent of You to any third person other than as specifically authorized by this Agreement, (iv) negligence of you or your subcontractors, agents or employees, or (v) any alleged or actual violations by you or your subcontractors, employees or agents of any card association rules, governmental laws, regulations or rules.

 

9. Copyright and Trademark Notices

All materials on the BR Web Site (as well as the organization and layout of the BR Web Site) are owned and copyrighted or licensed by BR, its affiliates or its suppliers. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at the BR Web Site is permitted without the written permission of BR. Any rights not expressly granted herein are reserved. Without BR's prior permission, you agree not to display or use in any manner, any of BR trademarks, whether registered or not.

 

10. Intellectual Property

"Intellectual Property" means all of the following owned by a party: (i) trademarks and service marks (registered and unregistered) and trade names, and goodwill associated therewith; (ii) patents, patentable inventions, computer programs, and software; (iii) databases; (iv) trade secrets and the right to limit the use or disclosure thereof; (v) copyrights in all works, including software programs; and (vi) domain names. The rights owned by a party in its Intellectual Property shall be defined, collectively, as "Intellectual Property Rights." Other than the express licenses granted by this Agreement, BR grants no right or license to you by implication, estoppel or otherwise to any Intellectual Property Rights of BR. Each party shall retain all ownership rights, title, and interest in and to its own products and services and all intellectual property rights therein, subject only to the rights and licenses specifically granted herein. BR (and not you) shall have the sole right, but not the obligation, to pursue copyright and patent protection, in its sole discretion, for any Intellectual Property Rights incorporated therein. You will cooperate with BR in pursuing such protection, including without limitation executing and delivering to BR such instruments as may be required to register or perfect BR's interests in any Intellectual Property Rights and any assignments thereof. You shall not remove or destroy any proprietary, confidentiality, trademark, service mark, or copyright markings or notices placed upon or contained in any materials or documentation received from BR in connection with this Agreement.

 

11. Modifications

BR reserves the right at any time and from time to time to modify, discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that BR shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

 

12. Termination and Cancellation

Either you or BR may terminate or cancel the Service at any time. You understand and agree that the cancellation of your account is your sole right and remedy with respect to any dispute with BR. This includes, but is not limited to, any dispute related to, or arising out of: (1) any term of this Service Agreement or BR's enforcement or application of any such term; (2) any policy or practice of BR, including BR's Privacy Policy and Anti Spam Policy, or BR's enforcement or application of these policies; (3) the content available through BR or any change in content provided through BR; or (4) the amount or type of fees, surcharges, applicable taxes, billing methods, or any change to the fees, applicable taxes, surcharges or billing methods. All other provisions of this Agreement which may reasonably be construed as surviving such termination will survive the termination of this agreement, including, but not limited to paragraphs 2, 3, 5, 6, 7, 8, 9, 10 and 11.

 

13. General Terms

If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable for any reason, the remaining provisions not so declared shall nevertheless continue in full force and effect, but shall be construed in a manner so as to effectuate the intent of this Agreement as a whole, notwithstanding such stricken provision or provisions. No provision of this Agreement shall be construed against any party merely because that party or counsel drafted or revised the provision in question. All parties have been advised and have had an opportunity to consult with legal counsel of their choosing regarding the force and effect of the terms set forth herein. This Agreement shall be deemed to be jointly prepared by the parties and therefore any ambiguity or uncertainty shall be interpreted accordingly. No term or provision of this Agreement shall be deemed waived and no breach excused, unless such waiver or consent shall be in writing and signed by the party claimed to have waived or consented. Any consent by any party to, or waiver of, a breach by the other party, whether express or implied, shall not constitute a consent to, waiver of, or excuse for any different or subsequent breach. You may not assign this Agreement without the written consent of BR. BR may assign this Agreement in its sole discretion without the written consent of you. The section headings contained in this Agreement are for convenient reference only, and shall not in any way affect the meaning or interpretation of this Agreement. This Agreement, including all schedules, exhibits and attachments thereto, sets forth the entire agreement and understanding of the parties hereto in respect of the subject matter contained herein, and supersedes all prior agreements, promises, covenants, arrangements, communications, representations or warranties, whether oral or written, by any officer, partner, employee or representative of any party hereto. This Agreement shall be binding upon and shall inure only to the benefit of the parties hereto and their respective successors and assigns. Nothing in this Agreement, express or implied, is intended to confer or shall be deemed to confer upon any persons or entities not parties to this Agreement, any rights or remedies under or by reason of this Agreement. This Agreement shall be governed by and construed in accordance with the laws of the State of California (irrespective of its choice of law principles). The parties hereby agree that any suit to enforce any provision of this Agreement or arising out of or based upon this Agreement or the business relationship between the parties hereto shall be brought in federal or state court in California. Each party hereby agrees that such courts shall have exclusive personal jurisdiction and venue with respect to such party, and each party hereby submits to the exclusive personal jurisdiction and venue of such courts. Each party hereby agrees that such courts shall have exclusive personal jurisdiction and venue with respect to such party, and each party hereby submits to the exclusive personal jurisdiction and venue of such courts. Should suit be brought to enforce or interpret any part of this Agreement, the prevailing party shall be entitled to recover its reasonable attorneys' fees and costs, including expert witness fees and fees on any appeal.