Terms of Service
Last Updated: June 26, 2025
1. Agreement to Terms
By accessing and using the Process King USA website (processkingusa.com) and services, you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, then you may not access our services.
2. Description of Services
Process King USA provides credit card processing consulting and merchant services solutions. We work with multiple payment processors to help businesses find the best rates and services for their needs. We are not a payment processor ourselves but act as an independent sales organization (ISO) and consultant.
3. Use of Our Services
Eligibility
To use our services, you must:
- Be at least 18 years old
- Own or represent a legitimate business
- Provide accurate and complete information
- Have the authority to enter into agreements on behalf of your business
Prohibited Uses
You may not use our services to:
- Engage in any illegal or fraudulent activity
- Violate any laws or regulations
- Misrepresent your business or processing needs
- Interfere with or disrupt our services
- Attempt to gain unauthorized access to our systems
4. Account Information
You are responsible for:
- Providing accurate business information
- Maintaining the confidentiality of your account
- All activities that occur under your account
- Notifying us immediately of any unauthorized use
5. Processing Services
Our Role
Process King USA acts as a consultant and intermediary between your business and payment processors. We:
- Analyze your processing needs
- Recommend suitable processors
- Assist with applications
- Provide ongoing support
Not Our Role
We are not responsible for:
- Actual payment processing
- Funds handling or settlement
- Processor technical issues
- Processor policy decisions
- Chargebacks or disputes
6. Fees and Pricing
Our Services
Our consulting services are typically provided at no cost to you. We receive compensation from our processing partners.
Processing Fees
Processing rates and fees are set by the payment processor you choose. All rates quoted are estimates and subject to final approval by the processor.
7. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Process King USA or our licensors and is protected by copyright and trademark laws.
8. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
9. Disclaimers
No Warranties
Our services are provided “as is” without any warranties, express or implied. We do not guarantee:
- Approval for merchant accounts
- Specific rates or terms
- Uninterrupted service
- Error-free operation
Processing Outcomes
We cannot guarantee:
- Approval timelines
- Specific processing rates
- Account approval
- Continued processing services
10. Limitation of Liability
To the maximum extent permitted by law, Process King USA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits
- Loss of data
- Business interruption
- Processing disruptions
Our total liability shall not exceed $100 or the amount you paid to us in the past 12 months, whichever is greater.
11. Indemnification
You agree to indemnify and hold harmless Process King USA, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of any laws or regulations
- Any claims by third parties related to your business
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Davidson County, Tennessee.
13. Changes to Terms
We reserve the right to modify or replace these Terms at any time. If we make material changes, we will notify you by updating the date at the top of these Terms. Your continued use of our services after any changes constitutes acceptance of the new Terms.
14. Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including:
- Breach of these Terms
- Fraudulent or illegal activity
- Request by law enforcement
- Extended periods of inactivity
15. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Process King USA
PO Box 90247
Nashville, TN 37209
Phone: 615-651-9190
Email: mark@processkingusa.com
16. Entire Agreement
These Terms constitute the entire agreement between you and Process King USA regarding our services and supersede any prior agreements.
17. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
18. Waiver
Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights.
19. Assignment
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations without restriction.
20. Relationship of Parties
Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Process King USA.