ExpiTrans Terms of Use

Effective Date: 8/5/2026

Last Updated: 8/5/2026

These Terms of Use (“Terms”) govern your access to and use of expitrans.com and any ExpiTrans website, portal, application, software, interface, content, or online service that links to these Terms (collectively, the “Services”).

The Services are operated by ExpiTrans, Inc. (“ExpiTrans,” “we,” “us,” or “our”).

By accessing or using the Services, you agree to these Terms.

If you use the Services on behalf of a company, partnership, merchant, organization, or other entity, you represent that you have authority to bind that entity. In that case, “you” includes both you and the entity.

Do not access or use the Services if you do not agree to these Terms.

1. ExpiTrans Services

ExpiTrans provides or facilitates products and services that may include:

merchant services
payment processing
payment gateways
transaction reporting
invoicing
recurring payments
payment equipment
point-of-sale technology
virtual-terminal services
mobile payment services
merchant onboarding
transaction and settlement notifications
technical support
software integrations
application programming interfaces
fraud and risk-management tools
account-management tools
related business and payment-technology services.

Some services are provided by or through sponsor banks, acquiring banks, processors, card networks, gateways, equipment providers, telecommunications providers, software providers, and other third parties.

The availability of particular services may depend on:

underwriting approval

business type
risk profile
geographic location
processing volume
equipment compatibility
processor availability
sponsor-bank requirements
card-network requirements
applicable law
a separate written agreement.

2. Relationship to Other Agreements

These Terms govern general access to and use of the Services.

Specific products or relationships may also be governed by:

merchant-processing agreements
merchant applications
program guides
sponsor-bank agreements
gateway agreements
software agreements
order forms
pricing schedules
equipment agreements
integration agreements
acceptable-use policies
privacy notices
card-network rules
other written or electronic agreements.

If these Terms conflict with a separately executed agreement governing a particular product or service, the separately executed agreement controls with respect to that product or service.

These Terms do not modify the responsibilities or rights of a sponsor bank, processor, card network, or another third party under a separate agreement.

3. Eligibility and Authority

You must be at least 18 years old and legally capable of entering into a binding agreement.

If you use the Services for a business, you represent and warrant that:

the business is legally established or lawfully operating
you are authorized to act for the business

information you provide is accurate and complete
the business will use the Services only for lawful purposes
the business will comply with all applicable agreements, laws, regulations, and
payment-network requirements
you have authority to submit information regarding owners, officers, employees,
customers, or other individuals.

4. Account Registration

You may be required to establish an account to use certain Services.

You agree to:

provide accurate and complete information
update information when it changes
protect your username and password
maintain the confidentiality of authentication information
restrict account access to authorized users
assign appropriate user permissions
promptly remove access for former or unauthorized users
promptly notify ExpiTrans of suspected unauthorized activity
accept responsibility for activity conducted through your account, subject to
applicable law.

You may not:

use another person’s credentials without authorization
share credentials with unauthorized parties
create an account using false information
impersonate another person or business
circumvent authentication or access controls
interfere with account-security measures.

5. Account Security and Authentication

ExpiTrans may require:

password authentication
one-time passcodes
multifactor authentication
device verification
telephone-number verification
email verification
security questions
identity verification
other security controls.

Authentication codes may be delivered by SMS, email, authenticator application,

telephone, or another approved method.

You agree not to share one-time passcodes or authentication credentials with another person.

ExpiTrans may restrict, suspend, or require additional verification for an account when we reasonably suspect:

unauthorized access
fraud
account compromise
unusual activity
inaccurate information
violation of these Terms
a threat to the Services or another person.

6. Electronic Communications and Signatures

You consent to receive records, notices, disclosures, agreements, and communications electronically.

Electronic communications may be delivered through:

websites
portals
email
SMS or MMS
application notifications
downloadable documents
telephone
other electronic methods.

You agree that electronic communications and signatures may satisfy legal requirements that information be provided in writing or signed, to the extent permitted by law.

You are responsible for maintaining:

a valid email address
a valid telephone number
internet access
compatible equipment
software necessary to access electronic records.

7. SMS Messaging

ExpiTrans may send:

one-time authentication codes
account alerts

security notifications
payment and transaction notifications
receipts
settlement notifications
failed-payment notifications
invoice reminders
support communications
service updates
account updates
marketing communications where separately authorized.

Your use of ExpiTrans SMS programs is governed by the ExpiTrans SMS Messaging Terms and Conditions:

https://expitrans.com/sms-terms/

Message frequency varies.

Message and data rates may apply.

Reply STOP to opt out of an applicable recurring messaging program.

Reply HELP for assistance.

Consent to receive marketing text messages is not a condition of purchase.

An opt-out from marketing or recurring messages does not prevent ExpiTrans from sending a one-time security or authentication message that you specifically request.

8. Acceptable Use

You may use the Services only for lawful purposes and in accordance with these Terms and all applicable agreements.

You may not use the Services to:

violate any law, regulation, court order, or government requirement
commit fraud or deception
process unauthorized transactions
facilitate money laundering, sanctions evasion, or unlawful activity
collect or use payment information without authorization
submit false or misleading information
misrepresent a transaction
evade monitoring, reserves, underwriting, or risk controls
send spam or unlawful communications
infringe intellectual-property rights
violate privacy or publicity rights
harass, threaten, exploit, or harm another person
distribute malware or harmful code

interfere with system security
attempt unauthorized access
probe or scan a system without authorization
scrape or harvest data without authorization
reverse engineer software except where a restriction is prohibited by law
bypass usage limits or access controls
use automated tools in a manner that unreasonably burdens the Services
impersonate ExpiTrans, a financial institution, a merchant, or another party
conduct a business activity that is prohibited, restricted, or not disclosed in
an applicable merchant application.

9. Payment Processing and Merchant Services

Payment acceptance and processing are subject to:

underwriting
ongoing risk review
merchant agreements
sponsor-bank requirements
processor rules
card-network rules
fraud controls
equipment requirements
applicable law.

ExpiTrans does not guarantee:

approval of an application
approval of every transaction
uninterrupted processing
deposit timing
settlement timing
the absence of reserves
the absence of disputes or chargebacks
continued availability of a processor, bank, gateway, device, or payment method
or
continued eligibility for a service.

A transaction, settlement, deposit, or account may be:

declined
delayed
reversed
withheld
reserved
investigated
restricted
suspended

terminated.

These actions may result from:

fraud concerns
risk controls
chargeback activity
account status
suspected unauthorized transactions
card-network requirements
processor requirements
sponsor-bank requirements
legal obligations
technical failures
circumstances outside ExpiTrans’s reasonable control.

10. Fees and Charges

Fees for payment processing, equipment, software, gateways, support, or other services will be described in the applicable agreement, application, order form, or pricing schedule.

You agree to pay all applicable fees and charges in accordance with the governing agreement.

Unless otherwise required by law or stated in a separate agreement:

fees may be deducted from settlements or a designated account
applicable taxes may be added
past-due amounts may be subject to collection
equipment or service fees may continue until properly canceled
termination may not eliminate obligations that accrued before termination.

11. Third-Party Services and Integrations

The Services may connect to or depend on third-party:

banks
processors
gateways
card networks
digital wallets
software platforms
accounting services
point-of-sale systems
equipment
mobile networks
telecommunications providers

identity-verification services
fraud-prevention services
other integrations.

Third-party services are governed by their own terms and privacy policies.

ExpiTrans is not responsible for the acts, omissions, security, availability, accuracy, or performance of unaffiliated third parties except as expressly stated in a binding written agreement.

A third-party service may be modified, suspended, or discontinued without ExpiTrans’s control.

12. Merchant and User Data

You retain rights you lawfully hold in information you submit through the Services.

You grant ExpiTrans and its service providers the limited rights reasonably necessary to:

host the information
process it
transmit it
secure it
reproduce it for operational purposes
provide requested services
comply with legal obligations
enforce applicable agreements.

You represent that you have the necessary authority and legal basis to provide information to ExpiTrans.

You are responsible for:

obtaining required notices and consents
maintaining accurate records
complying with privacy laws
protecting customer information
limiting user access
responding to customer requests where you are responsible for doing so
using information only for lawful purposes.

13. Privacy

ExpiTrans’s handling of personal information is described in the ExpiTrans Privacy Policy:

https://expitrans.com/privacy-policy/

14. Intellectual Property

The Services and related materials, including:

software
text
graphics
logos
trademarks
designs
interfaces
databases
documentation
workflows
other content,

are owned by ExpiTrans or its licensors and are protected by applicable intellectual- property laws.

Subject to these Terms, ExpiTrans grants you a limited, revocable, nonexclusive, nontransferable right to access and use the Services for their intended business purpose.

Except as expressly authorized, you may not:

copy
modify
distribute
publish
publicly display
sublicense
sell
create derivative works from
remove proprietary notices from
commercially exploit

any ExpiTrans-owned content or technology.

No ownership rights are transferred to you.

15. Feedback

If you provide suggestions, ideas, enhancement requests, or feedback regarding the Services, you grant ExpiTrans a worldwide, perpetual, irrevocable, transferable, sublicensable, royalty-free right to use and incorporate the feedback without restriction or compensation.

This provision does not grant ExpiTrans ownership of your confidential information or

personal information.

16. Informational Content

Website and service content is provided for general informational purposes unless expressly incorporated into a binding written agreement.

Information may contain:

errors
omissions
outdated content
estimates
summaries
third-party information.

You are responsible for independently evaluating information relevant to your legal, tax, accounting, security, compliance, or business decisions.

Nothing in the Services constitutes legal, tax, accounting, investment, or financial advice.

17. Service Availability

ExpiTrans may modify, maintain, suspend, restrict, or discontinue all or part of a Service, subject to applicable contractual obligations.

Services may be unavailable because of:

planned maintenance
emergency maintenance
internet outages
telecommunications failures
cyber incidents
equipment failures
processor outages
bank outages
network interruptions
force majeure events
government action
other circumstances outside our reasonable control.

ExpiTrans does not guarantee continuous, uninterrupted, error-free, or completely secure access unless expressly provided in a separate written service-level agreement.

18. Suspension and Termination

ExpiTrans may suspend, restrict, or terminate access when reasonably necessary to:

address suspected fraud
protect account security
prevent harm
investigate misuse
comply with law
satisfy processor, sponsor-bank, or card-network requirements
enforce an agreement
address nonpayment
protect payment-system integrity
respond to a material risk.

Termination or suspension does not eliminate obligations or liabilities that accrued before the effective date of termination.

Sections that by their nature should survive termination will remain effective.

19. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

EXPITRANS DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES OF:

MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
TITLE

NON-INFRINGEMENT; AND QUIET ENJOYMENT.

EXPITRANS DOES NOT WARRANT THAT:

THE SERVICES WILL BE UNINTERRUPTED
THE SERVICES WILL BE ERROR-FREE
THE SERVICES WILL BE COMPLETELY SECURE
EVERY DEFECT WILL BE CORRECTED
INFORMATION WILL ALWAYS BE ACCURATE OR CURRENT
EVERY TRANSACTION WILL BE AUTHORIZED
EVERY TRANSACTION WILL SETTLE

EVERY MESSAGE WILL BE DELIVERED; OR THE SERVICES WILL MEET EVERY USER’S REQUIREMENTS.

Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded.

20. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXPITRANS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR:

INDIRECT DAMAGES
INCIDENTAL DAMAGES
SPECIAL DAMAGES
EXEMPLARY DAMAGES
PUNITIVE DAMAGES
CONSEQUENTIAL DAMAGES
LOST PROFITS
LOST REVENUE
LOST DATA
LOST BUSINESS

LOST GOODWILL; OR LOST OPPORTUNITIES

ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXPITRANS’S TOTAL AGGREGATE LIABILITY ARISING FROM THESE TERMS OR GENERAL WEBSITE USE WILL NOT EXCEED THE GREATER OF:

1. THE

AMOUNT YOU PAID DIRECTLY TO EXPITRANS FOR THE SPECIFIC ONLINE SERVICE GIVING

RISE TO THE CLAIM DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY; OR

2. ONE HUNDRED DOLLARS ($100).

This limitation does not override a different limitation in a separately executed agreement.

This limitation does not apply to liability that cannot legally be limited.

21. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless ExpiTrans and its affiliates, officers, directors, employees, agents, and service providers from claims, losses, liabilities, damages, judgments, penalties, costs, and reasonable attorneys’ fees arising out of or related to:

your unlawful use of the Services
your unauthorized use of the Services
your violation of these Terms
information you submit
your violation of another person’s rights
transactions submitted through your account
your failure to obtain required consent
your violation of privacy or communications laws
your fraud
your willful misconduct
your negligence.

This provision does not require indemnification for ExpiTrans’s gross negligence or willful misconduct where prohibited by law.

22. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Subject to the dispute-resolution section below, permitted court proceedings must be brought in the state or federal courts located in Orange County, California.

You consent to jurisdiction and venue in those courts.

23. Dispute Resolution and Arbitration

Counsel should approve this section before publication.

Before initiating formal proceedings, the parties agree to attempt in good faith to resolve a dispute by providing written notice describing:

the nature of the dispute
the relevant facts
the requested relief
contact information for the complaining party.

Except for eligible small-claims matters and requests for temporary or preliminary injunctive relief involving intellectual property, confidentiality, fraud, or unauthorized system access, a dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its applicable rules.

Arbitration will take place in Orange County, California, unless:

the parties agree otherwise
the arbitration rules permit remote proceedings
applicable law requires another location.

The arbitrator may award individual relief that would be available in court.

The arbitrator may not consolidate claims or conduct a class, collective, or representative proceeding unless the parties expressly agree or applicable law requires otherwise.

YOU AND EXPITRANS WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Nothing in this section prevents a person from reporting a matter to a government agency.

24. Changes to These Terms

We may update these Terms periodically.

Updated Terms will be posted with a revised “Last Updated” date.

We may provide additional notice where:

required by law
required by contract
a change is material.

Your continued use of the Services after updated Terms become effective constitutes acceptance to the extent permitted by law.

25. General Provisions

If a provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain effective.

ExpiTrans’s failure to enforce a provision is not a waiver.

You may not assign these Terms without ExpiTrans’s prior written consent.

ExpiTrans may assign these Terms in connection with:

a merger
an acquisition
a financing
a reorganization
a transfer of assets
a transfer of the applicable service or business.

Headings are for convenience only and do not affect interpretation.

26. Contact Information

ExpiTrans, Inc.
22412 Gilberto, Suite B

Rancho Santa Margarita, California 92688

Telephone: 888-270-3642
Email: support@expitrans.com