Terms and Disclosures

No Legal, Tax, or Financial Advice

Website content is general business information and is not legal, tax, accounting, financial, or regulatory advice. Merchants should consult qualified advisors for advice specific to their business, industry, state, and contract obligations.

No Guaranteed Pricing or Approval

Any discussion of rates, fees, funding, equipment, gateway services, processing, or merchant services is informational until confirmed in writing through current provider terms, underwriting, and applicable agreements. Payments365Guru does not guarantee approval, pricing, savings, funding, settlement timing, or service availability.

Statement Analysis

Statement analysis is based on information supplied by the merchant and any figures visible in submitted materials. A review may identify questions, options, or estimated comparisons, but it is not a final offer and should not be treated as a guarantee of future cost, approval, or savings.

Business Funding Disclosures

Business funding, merchant cash advance, or similar working-capital options may be offered by third-party providers and may be subject to underwriting, state-specific commercial financing disclosures, eligibility requirements, funding-provider terms, and business documentation. Payments365Guru may refer or help coordinate funding inquiries but is not promising that any funding product is available or appropriate for every merchant.

Payment Processing and Gateway Services

Payment processing, POS, gateway, equipment, and related services may be provided through processors, acquiring banks, gateway providers, hardware providers, software providers, independent sales organizations, or other third parties. Terms, fees, settlement timing, chargeback rules, underwriting requirements, and risk controls are governed by the applicable provider agreements.

BSA, AML, KYC, and Underwriting Boundaries

Payments365Guru is not a bank, depository institution, money transmitter, cryptocurrency exchange, or money services business unless expressly stated in a separate written agreement and supported by applicable registration or licensing. Payments365Guru does not hold itself out as providing money transmission, custody of customer funds, or currency exchange through this website.

Processors, acquiring banks, funding providers, and other regulated partners may conduct identity verification, beneficial ownership review, sanctions screening, fraud review, transaction monitoring, underwriting, or other Bank Secrecy Act, anti-money-laundering, and know-your-customer procedures required by law or provider policy.

Trademark and Product Names

Clover, Fiserv, CardConnect, NMI, and other product names, marks, and logos are the property of their respective owners. Use of third-party names is for identification and descriptive purposes. Payments365Guru is independent and is not claiming ownership of third-party trademarks or official status as any third-party brand unless expressly stated in a signed agreement.

Copyright and Website Materials

Unless otherwise noted, Payments365Guru website copy and original materials are owned by Payments365Guru or used with permission. Third-party images, product photos, documents, logos, screenshots, and marketing materials should only be used where licensed, authorized, or otherwise legally permitted.

Advertising and Testimonials

Payments365Guru does not intend to publish fake reviews, invented testimonials, unsupported savings claims, or misleading endorsements. Any testimonial, endorsement, or case study should reflect a real customer experience and include disclosures required by law.

Website Use

Do not use this website to submit unlawful material, payment card numbers, bank credentials, passwords, malware, or information you are not authorized to share. Payments365Guru may decline, remove, or disregard submissions that appear unsafe, incomplete, unauthorized, or outside the scope of services.

Contact

Questions about these terms and disclosures can be sent to info@payments365.guru.