Terms and Conditions

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1. PAYCO WEBSITE TERMS OF USE

Effective Date: May 8, 2026

Last Revised: May 8, 2026

Website: www.mypayco.com

Company: Payco Enterprises, Inc. DBA Payco

These Website Terms of Use govern your access to and use of the website located at www.mypayco.com, including any related webpages, forms, content, digital tools, applications, links, materials, and online resources operated by or on behalf of Payco Enterprises, Inc. DBA Payco, referred to in these terms as “Payco,” “we,” “us,” or “our.”

By accessing or using this website, submitting information through this website, signing up for services, requesting information from Payco, making a payment, accepting a proposal, submitting a referral, applying for merchant services, conducting business with Payco, or otherwise using or receiving Payco products or services, you acknowledge and agree to be bound by these Website Terms of Use and the Payco Service Agreement. The Payco Service Agreement is incorporated by reference into these Website Terms of Use and applies to Payco services, equipment, processing, POS, software, implementation, support, PaaS, IT services, referrals, partner programs, and other business dealings with Payco.

If you do not agree with these Website Terms of Use, do not use this website.

These Website Terms of Use govern use of the website. Payco’s products, services, programs, equipment, implementation work, payment processing services, software services, POS services, IT services, PaaS programs, support services, referral relationships, partner programs, and other commercial arrangements may be governed by separate agreements, applications, proposals, order forms, schedules, equipment agreements, merchant applications, processor agreements, program terms, and/or the Payco Service Agreement.

To the fullest extent permitted by law, if there is any conflict between these Website Terms of Use and the Payco Service Agreement, the Payco Service Agreement shall control with respect to Payco services, customer obligations, payment obligations, compliance obligations, support obligations, equipment, cancellation, termination, chargebacks, processing, pricing, underwriting, and service-related matters.

Your use of this website does not limit Payco’s rights under any separately signed, accepted, or incorporated agreement.

Deemed Acceptance of Payco Service Agreement. To the fullest extent permitted by law, any person or business that signs up for Payco services, submits an application, requests services, accepts a proposal, signs or accepts an order form, makes a payment, receives equipment, uses Payco software or support, submits a referral, participates in a partner or agent program, conducts business with Payco, or continues receiving Payco services after notice of applicable terms, is deemed to have accepted and agreed to the Payco Service Agreement and all applicable Payco policies posted on www.mypayco.com, unless Payco expressly agrees otherwise in a signed written agreement.

The content on this website is provided for general informational and business-development purposes only. Nothing on this website constitutes a binding offer, approval, underwriting commitment, financing commitment, rate guarantee, savings guarantee, legal advice, tax advice, accounting advice, compliance advice, or promise that any particular service, product, software, processor, bank, lender, POS platform, integration, or pricing program will be available to you.

All services are subject to review, approval, underwriting, third-party availability, applicable law, card brand rules, processor rules, bank requirements, risk review, contract terms, and Payco’s internal policies.

Any statements regarding cost savings, pricing, fee reduction, dual pricing, surcharge, cash discount, funding, equipment, integrations, processing rates, approval likelihood, timelines, or operational results are estimates or general descriptions only.

Actual results may vary based on, among other things:

· Business type

· Industry risk

· Processing volume

· Average ticket

· Card mix

· Debit and credit card usage

· Chargeback history

· Bank and processor approval

· Card brand rules

· Software availability

· Integration complexity

· Internet/network environment

· Merchant compliance

· Third-party vendor performance

· Customer implementation readiness

· Payco does not guarantee that any merchant will be approved, that any pricing will remain unchanged, that any integration will be available, that any savings will be achieved, or that any specific business outcome will occur.

Payco may provide or support services involving payment processing, point-of-sale systems, software, hardware, integrations, implementation, support, reporting tools, websites, analytics, ordering tools, lending referrals, customer communications, IT services, and related business solutions.

Some services may be provided by or depend on third-party processors, sponsor banks, acquiring banks, card brands, POS providers, software vendors, internet providers, equipment manufacturers, gateway providers, lenders, CRM providers, cloud platforms, and other third-party service providers.

Payco is not responsible for delays, outages, denials, interruptions, errors, pricing changes, rule changes, underwriting decisions, funding delays, integration failures, equipment limitations, software changes, service interruptions, or other issues caused by third parties, customer systems, internet providers, card brands, banks, processors, regulatory requirements, or events outside Payco’s reasonable control.

By using the website or requesting services from Payco, you represent and agree that:

· Information you provide to Payco is accurate, complete, and current

· You have authority to act on behalf of the business or entity you identify

· You will not submit false, misleading, fraudulent, or unauthorized information

· You will cooperate with underwriting, implementation, compliance, equipment, security, and support requirements

· You will comply with applicable laws, card brand rules, processor rules, privacy requirements, data-security obligations, and all applicable agreements

· You will not misuse the website or attempt to interfere with its operation

· Payco may reject, suspend, or terminate access to the website or any service request if Payco believes information is inaccurate, unauthorized, fraudulent, incomplete, abusive, unlawful, or inconsistent with Payco’s policies or risk standards.

You may not use this website to:

· Violate any law, regulation, rule, or third-party right

· Submit false, misleading, defamatory, threatening, harassing, abusive, obscene, or unlawful material

· Impersonate any person or entity

· Attempt to gain unauthorized access to Payco systems, accounts, networks, or data

· Upload viruses, malware, scripts, bots, scraping tools, or harmful code

· Interfere with website security or functionality

· Collect information from the website without authorization

· Copy, reproduce, scrape, resell, or commercially exploit website content without Payco’s written consent

· Submit spam, unauthorized solicitations, or fraudulent inquiries

· Payco reserves the right to restrict or terminate access to the website at any time, with or without notice, for any conduct Payco believes violates these terms or may harm Payco, its customers, vendors, partners, systems, or reputation.

All content on this website, including text, graphics, logos, designs, layouts, icons, images, videos, software, trade names, service names, trademarks, documents, downloads, and other materials, is owned by Payco or its licensors and is protected by intellectual property laws.

You may view website content for your internal business review only. You may not copy, reproduce, modify, distribute, publish, display, sell, license, reverse engineer, or create derivative works from any website content without Payco’s prior written consent.

No rights are granted except as expressly stated in these terms.

If you submit information to Payco through the website, including contact forms, applications, partner inquiries, referral forms, support forms, uploaded documents, or other communications, you grant Payco the right to review, use, store, process, transmit, and share that information as reasonably necessary to evaluate your inquiry, provide services, communicate with you, support business operations, comply with legal obligations, and protect Payco’s rights.

You are responsible for ensuring you have the legal right to submit any information provided to Payco.

Submitting information to Payco in connection with any application, inquiry, referral, payment, service request, onboarding matter, support request, or business relationship further confirms your agreement to the Payco Service Agreement and any applicable Payco policies.

Submitting a merchant, prospect, partner, lead, referral, account, or business opportunity through the website does not create a commission right, ownership right, protected account right, agency relationship, partnership, joint venture, or compensation obligation unless Payco separately agrees in a written agreement signed or accepted by Payco.

Payco may already know, be working with, or later independently contact the same prospect. Referral ownership, compensation, commission eligibility, split arrangements, protected accounts, and residual rights are governed only by a separate written agreement with Payco.

Payco’s internal records shall control lead timing, duplication, referral status, and account attribution unless otherwise required by a signed written agreement.

By submitting a referral, lead, prospect, merchant, account, or business opportunity to Payco, you acknowledge and agree that the referral and any related business dealings are subject to the Payco Service Agreement, these Website Terms of Use, and Payco’s Referral Submission Terms unless a separate signed agreement provides otherwise.

Except as expressly required by applicable law or expressly agreed by Payco in a signed written agreement, all payments to Payco are final, non-refundable, and non-cancellable once paid.

This includes, without limitation, payments for:

· Setup fees

· Implementation fees

· Installation fees

· Onboarding fees

· Application fees

· Equipment fees

· Hardware fees

· Software fees

· Subscription fees

· Monthly service fees

· PaaS fees

· IT service fees

· Website or digital service fees

· Consulting fees

· Training fees

· Support fees

· Custom work

· Integration work

· Travel or deployment costs

· Administrative fees

· Compliance-related fees

· Any other Payco products or services

Payco does not accept returns of purchased equipment, used equipment, opened hardware, installed equipment, configured devices, deployed devices, custom-configured equipment, software-connected devices, or any equipment provided as part of a Payco program, unless Payco expressly agrees in writing.

Equipment that is leased, loaned, financed, subsidized, provided under a PaaS program, or otherwise supplied subject to an equipment agreement must be handled according to the applicable agreement. If equipment must be returned after termination or cancellation, the customer is responsible for timely return, proper packaging, shipping costs, loss, damage, missing accessories, and any non-return, replacement, repair, or recovery fees.

Payco may refuse any unauthorized return.

Any purchase, payment, equipment delivery, installation, deployment, configuration, onboarding, or service activity is also subject to the Payco Service Agreement, including any applicable payment, cancellation, equipment, return, and service obligations.

To the fullest extent permitted by law, you agree not to initiate chargebacks, payment reversals, stop-payments, ACH disputes, or card disputes for validly authorized Payco charges, including charges arising from signed agreements, accepted proposals, submitted applications, invoices, service orders, equipment orders, or recurring service obligations.

Disputes must be submitted directly to Payco in writing at support@mypayco.com within the time period stated in the applicable agreement or invoice. Failure to timely dispute an invoice or charge may constitute acceptance of the charge.

Making payment to Payco, authorizing recurring billing, paying an invoice, or permitting Payco to begin work confirms acceptance of the Payco Service Agreement and all applicable payment, refund, return, chargeback, cancellation, and collection provisions.

Nothing in this section limits any non-waivable rights you may have under applicable law.

This website may contain links to third-party websites, applications, portals, forms, payment pages, scheduling tools, maps, videos, processors, vendors, service providers, or other external resources.

Third-party websites and tools are not controlled by Payco. Payco is not responsible for third-party content, privacy practices, security, accessibility, availability, performance, pricing, claims, policies, or services.

Your use of third-party platforms may be governed by separate third-party terms and policies.

Payco may modify, suspend, restrict, replace, remove, or discontinue any portion of the website at any time without notice.

Payco does not guarantee that the website will be available, uninterrupted, secure, accurate, current, error-free, or free of viruses or harmful components.

To the fullest extent permitted by law, the website and all website content are provided “as is” and “as available” without warranties of any kind, whether express, implied, statutory, or otherwise.

Payco disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and uninterrupted operation.

Payco does not warrant that the website, services, software, third-party platforms, integrations, digital tools, payment tools, or communication channels will be error-free, uninterrupted, secure, compatible, or free from defects.

To the fullest extent permitted by law, Payco and its owners, officers, directors, employees, contractors, affiliates, vendors, partners, licensors, service providers, and representatives shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including lost profits, lost revenue, lost business, lost savings, loss of goodwill, loss of data, business interruption, funding delay, processing disruption, system outage, or third-party service failure, even if Payco has been advised of the possibility of such damages.

To the fullest extent permitted by law, Payco’s total liability arising out of or relating to the website shall not exceed one hundred dollars ($100) or the amount you paid directly to Payco for website access, whichever is greater.

This limitation does not apply where prohibited by law.

You agree to defend, indemnify, and hold harmless Payco and its owners, officers, directors, employees, contractors, affiliates, vendors, partners, licensors, service providers, and representatives from and against any claims, damages, liabilities, losses, judgments, settlements, penalties, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

· Your use of the website

· Your violation of these terms

· Information you submit to Payco

· Your violation of law or third-party rights

· Your misuse of Payco content, systems, services, or communications

· Any unauthorized referral, representation, statement, or commitment made by you regarding Payco

Payco’s collection and use of personal information is governed by Payco’s Privacy Policy, which is incorporated into these terms by reference.

By using the website or submitting information to Payco, you acknowledge that Payco may collect, use, store, process, disclose, and retain information as described in the Privacy Policy.

If you provide a phone number, email address, or other contact information to Payco, you authorize Payco to contact you regarding your inquiry, application, services, account, support, proposals, payments, onboarding, implementation, and related business matters.

If you opt in to SMS communications, you agree to Payco’s SMS Terms & Conditions. Message and data rates may apply. Message frequency may vary. You may opt out of SMS communications at any time by replying STOP or by using any other reasonable opt-out method.

Payco is committed to making its website accessible to users, including individuals with disabilities. Payco’s Accessibility Statement is incorporated into these terms by reference.

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

Any dispute arising out of or relating to these Website Terms of Use, the website, or website content shall be brought in the state or federal courts located in California, unless a separate written agreement between you and Payco requires arbitration or a different dispute-resolution process.

If any provision of these terms is found to be invalid, unlawful, void, or unenforceable, that provision shall be enforced to the maximum extent permitted by law or severed if necessary. The remaining provisions shall remain in full force and effect.

Payco’s failure to enforce any provision of these terms shall not constitute a waiver of Payco’s right to enforce that provision or any other provision in the future.

Payco may update these Website Terms of Use at any time. Updates will be effective when posted to the website unless a different effective date is stated.

Your continued use of the website after updated terms are posted constitutes acceptance of the updated terms.

Continuing to use Payco’s website, submitting information, signing up, making payment, submitting referrals, receiving services, using equipment, requesting support, or otherwise conducting business with Payco after updated terms are posted constitutes acceptance of the updated terms and the then-current Payco Service Agreement, to the fullest extent permitted by law.

Questions about these Website Terms of Use may be directed to:

Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: support@mypayco.com
Phone: 424-230-7212

    

2. PAYCO PRIVACY POLICY

Effective Date: May 8, 2026

Last Revised: May 8, 2026

Website: www.mypayco.com

Company: Payco Enterprises, Inc. DBA Payco

Payco Enterprises, Inc. DBA Payco respects your privacy. This Privacy Policy explains how Payco collects, uses, discloses, stores, and protects information collected through www.mypayco.com, online forms, business inquiries, applications, payment links, support communications, SMS communications, email communications, and related Payco services.

By using our website, submitting information to Payco, signing up for services, submitting a referral, applying for merchant services, making a payment, communicating with Payco, or conducting business with Payco, you agree to this Privacy Policy and acknowledge that Payco’s services and business dealings are also governed by the Payco Service Agreement and applicable Payco policies posted on www.mypayco.com.

Payco may collect personal information, business information, technical information, and communication information, including:

· Name

· Business name

· Job title

· Email address

· Phone number

· Mailing address

· Business address

· Website address

· Business type

· Processing volume

· POS or software information

· Bank, processor, or merchant account information submitted by you

· Referral information

· Application information

· Payment information

· Billing information

· Support requests

· Documents uploaded or submitted to Payco

· Communications with Payco

· IP address

· Browser type

· Device information

· Website usage data

· Cookie and analytics data

· SMS opt-in and opt-out records

· SMS interaction data, including delivery confirmations and responses

Payco may collect information when you:

· Visit our website

· Complete a contact form

· Submit a referral

· Request a proposal

· Apply for services

· Submit a merchant application

· Make a payment

· Sign or accept an agreement

· Contact customer support

· Communicate with us by phone, email, SMS, chat, or online form

· Interact with Payco advertisements, emails, or digital campaigns

· Use Payco-supported tools, portals, forms, or third-party links

Payco may use information to:

· Respond to inquiries

· Provide proposals, quotes, and service information

· Evaluate service eligibility

· Process applications

· Support underwriting

· Communicate with customers, prospects, referral partners, agents, and vendors

· Provide onboarding, installation, implementation, support, and account services

· Process payments

· Send invoices, receipts, notices, reminders, and account updates

· Send SMS messages where authorized

· Improve website functionality

· Analyze website traffic and marketing performance

· Manage referrals and partner relationships

· Protect against fraud, misuse, unauthorized access, and unlawful activity

· Comply with legal, regulatory, card brand, processor, sponsor bank, and contractual obligations

· Enforce Payco agreements and policies

· Protect Payco’s rights, property, customers, vendors, partners, and systems

Payco may share information with third parties as reasonably necessary to operate our business and provide services, including:

· Payment processors

· Sponsor banks

· Acquiring banks

· Card brands

· Gateways

· POS providers

· Software vendors

· Equipment providers

· Implementation providers

· IT providers

· CRM providers

· Cloud-hosting providers

· Lenders and funding partners

· Referral partners, where applicable

· Customer support vendors

· Compliance vendors

· Legal, accounting, insurance, and professional advisors

· Government agencies, regulators, courts, or law enforcement where required or appropriate

· Payco does not sell SMS consent or mobile phone numbers to third parties or affiliates for their own marketing purposes.

When you opt in to receive SMS communications from Payco, Payco may collect:

· Mobile phone number

· Name, if provided

· Business name, if provided

· SMS opt-in records

· SMS opt-out records

· SMS interaction data, including delivery confirmations and responses

· Payco uses SMS information to send account notifications, payment reminders, customer support messages, onboarding updates, service alerts, appointment reminders, and other service-related communications.

· You may opt out of SMS communications at any time by replying STOP or by contacting Payco at support@mypayco.com.

Payco may use cookies, pixels, analytics tools, tracking technologies, and similar technologies to operate the website, understand user activity, improve website performance, support marketing, measure campaign effectiveness, and enhance user experience.

These technologies may collect information such as:

· IP address

· Device type

· Browser type

· Pages viewed

· Time spent on pages

· Referring websites

· Click activity

· Form interactions

· General location information

· You may control cookies through your browser settings. Disabling cookies may affect website functionality.

Payco may use your contact information to send business communications, service updates, proposals, newsletters, marketing materials, event invitations, partner updates, or other information related to Payco products and services.

You may opt out of marketing emails by using the unsubscribe link in applicable emails or by contacting Payco. Even if you opt out of marketing communications, Payco may continue to send transactional, account, billing, support, legal, or service-related communications.

Payco uses reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, misuse, or destruction.

However, no website, internet transmission, email, SMS message, online form, cloud platform, or storage system can be guaranteed to be completely secure. You submit information at your own risk.

Do not submit sensitive payment card data, passwords, bank credentials, protected health information, or other highly sensitive information through unsecured website forms unless specifically instructed by Payco through an approved secure method.

Payco may retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, comply with legal and contractual obligations, resolve disputes, enforce agreements, prevent fraud, support business operations, and maintain records.

Retention periods may vary depending on the type of information, nature of the relationship, legal requirements, processor requirements, bank requirements, and business needs.

If you are a California resident, you may have certain privacy rights under applicable California privacy laws, depending on your relationship with Payco and whether the law applies to the information at issue.

These rights may include the right to:

· Know what personal information is collected

· Request access to personal information

· Request correction of inaccurate information

· Request deletion of certain personal information

· Opt out of certain sale or sharing of personal information

· Limit certain uses of sensitive personal information, where applicable

· Not be discriminated against for exercising privacy rights

· To submit a privacy request, contact Payco at support@mypayco.com. Payco may need to verify your identity before responding to certain requests.

Payco does not knowingly sell personal information in the traditional sense. However, certain analytics, advertising, retargeting, or tracking technologies may be considered “sharing” under some privacy laws.

If Payco uses technologies that trigger opt-out rights, Payco will provide a method for users to exercise applicable rights, such as a “Do Not Sell or Share My Personal Information” link or similar mechanism.

Payco’s website and services are intended for businesses and adults. Payco does not knowingly collect personal information from children under the age of 13.

If Payco becomes aware that it has collected personal information from a child under 13, Payco will take reasonable steps to delete the information.

The Payco website may link to third-party websites, portals, processors, vendors, lenders, tools, payment pages, forms, videos, maps, applications, or other services.

Payco is not responsible for the privacy practices, security practices, content, accessibility, or policies of third parties. You should review the privacy policies of any third-party services you use.

Payco may update this Privacy Policy at any time. Updates will be effective when posted unless a different effective date is stated.

Your continued use of the website or services after the updated Privacy Policy is posted constitutes acceptance of the updated policy.

Questions about this Privacy Policy may be directed to:

Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: support@mypayco.com
Phone: 424-230-7212

 
 

3. PAYCO REFUND AND RETURNS POLICY

Effective Date: May 8, 2026

Last Revised: May 8, 2026

This Refund and Returns Policy applies to payments made to Payco Enterprises, Inc. DBA Payco through www.mypayco.com, invoices, payment links, proposals, service orders, equipment orders, signed agreements, accepted applications, merchant applications, referrals, partner programs, or any other Payco-approved payment method. It is incorporated into and forms part of the Payco Service Agreement and all applicable Payco proposals, invoices, service orders, equipment agreements, and related documents.

By making a payment to Payco, signing up for services, authorizing billing, accepting a proposal, submitting an application, receiving equipment, allowing Payco to begin work, or otherwise conducting business with Payco, you acknowledge and agree to this Refund and Returns Policy and the Payco Service Agreement.

Except where expressly required by applicable law or expressly agreed to by Payco in a signed written agreement, all payments to Payco are final, non-refundable, and non-cancellable once paid.

Payco does not provide refunds, returns, credits, cancellations, or exchanges for products, services, equipment, setup work, implementation work, support, software, subscriptions, or other fees once payment has been made.

The following items and services are non-refundable:

· Setup fees

· Application fees

· Onboarding fees

· Implementation fees

· Installation fees

· Deployment fees

· Training fees

· Consulting fees

· Support fees

· IT service fees

· Software fees

· Subscription fees

· Monthly recurring fees

· Gateway fees

· PaaS fees

· POS fees

· Equipment fees

· Hardware fees

· Custom-configured devices

· Opened, used, installed, programmed, or deployed equipment

· Travel fees

· Administrative fees

· Compliance-related fees

· Integration fees

· Website, online ordering, analytics, marketing, or digital service fees

· Custom work or special-order items

· Any other product, service, program, or fee identified as non-refundable in a Payco proposal, invoice, service agreement, equipment agreement, order form, or related document

Payco does not accept returns of purchased equipment, custom-configured equipment, opened hardware, used hardware, installed equipment, programmed devices, deployed devices, or equipment connected to merchant accounts, software systems, POS systems, payment gateways, processors, customer networks, or third-party platforms.

Unauthorized returns may be rejected and returned to the sender at the customer’s expense.

If equipment is leased, loaned, financed, subsidized, included in a PaaS program, or otherwise provided under an equipment agreement or service program, the customer’s rights and obligations are governed by the applicable written agreement.

If equipment must be returned after termination, cancellation, default, non-payment, service closure, or as otherwise required by Payco, the customer is responsible for:

· Returning all equipment on time

· Returning all accessories, cables, power supplies, stands, routers, tablets, terminals, printers, scanners, and related items

· Properly packaging the equipment

· Paying shipping, handling, recovery, repair, replacement, and non-return fees where applicable

· Any loss, theft, damage, missing items, or unauthorized retention of equipment

Payco does not provide refunds for delays, limitations, interruptions, or service issues caused by circumstances outside Payco’s reasonable control, including but not limited to:

· Customer failure to provide required information

· Customer failure to complete applications, underwriting forms, or approval requirements

· Bank, processor, lender, sponsor bank, or third-party approval delays

· Internet service provider delays

· Construction, cabling, electrical, landlord, property, or site-readiness issues

· Third-party software, POS, gateway, processor, equipment, or integration delays

· Customer-requested changes

· Customer cancellation after work has begun

· Customer failure to schedule, cooperate with, or make the site available for installation, training, support, onboarding, or deployment

· Force majeure events, including events beyond Payco’s reasonable control

Fees paid for custom work, implementation work, setup work, configuration, deployment, development, integration, onboarding, consulting, training, support, travel, administrative work, or other labor-based services are non-refundable once the work has started, whether or not the customer later chooses to use, continue, activate, or complete the applicable service.

Any billing dispute must be submitted in writing to Payco within ten (10) calendar days after the charge, invoice, or payment date, unless a different period is stated in a signed agreement.

Disputes must be sent to support@mypayco.com.

The written dispute must include:

· Customer name

· Business name

· Invoice number or payment reference

· Date of charge

· Amount disputed

· Specific reason for the dispute

· Supporting documentation

· Failure to timely submit a written dispute may constitute acceptance of the charge.

To the fullest extent permitted by law, customers agree not to initiate chargebacks, payment reversals, ACH disputes, stop-payments, or card disputes for validly authorized Payco charges, including charges arising from signed agreements, accepted proposals, invoices, service orders, equipment orders, applications, recurring service obligations, or other authorized payment arrangements.

Improper chargebacks or reversals may result in suspension of services, termination of services, collection activity, recovery fees, chargeback fees, attorneys’ fees, and any other remedies available under the applicable agreement or law.

This Refund and Returns Policy is incorporated into and supplements Payco’s applicable agreements, including the Payco Service Agreement, proposals, invoices, service orders, equipment agreements, and related documents.

If there is a conflict between this policy and a signed written agreement with Payco, the signed written agreement shall control.

For clarity, signing up for services, making payment, accepting a proposal, submitting an application, receiving equipment, submitting referrals, requesting support, or conducting business with Payco constitutes acceptance of the Payco Service Agreement unless Payco expressly agrees otherwise in a signed written agreement.

Nothing in this policy is intended to limit any non-waivable rights that a customer may have under applicable law.

Where California law or another applicable law requires a different result, Payco will comply with the law while otherwise enforcing this policy to the maximum extent permitted.

Questions regarding this Refund and Returns Policy may be sent to:

Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: support@mypayco.com
Phone: 424-230-7212
 

4. PAYCO SMS TERMS & CONDITIONS

Effective Date: May 8, 2026

Last Revised: May 8, 2026

By opting in to receive SMS or text messages from Payco Enterprises, Inc. DBA Payco, you agree to these SMS Terms & Conditions. If you also sign up for services, request services, make payment, submit a referral, apply for merchant services, receive support, or otherwise conduct business with Payco, you also agree to the Payco Service Agreement and all applicable Payco policies posted on www.mypayco.com.

Payco may send SMS messages related to:

· Account notifications

· Payment reminders

· Customer support updates

· Service alerts

· Application updates

· Onboarding and implementation updates

· Appointment scheduling

· Equipment, installation, or deployment updates

· Business inquiries

· Payco service-related communications

By providing your mobile phone number and opting in to SMS communications, you authorize Payco to send text messages to the number provided.

Opting into SMS is not a condition of purchase or service.

Message frequency may vary depending on your relationship with Payco, your inquiry, your services, support needs, onboarding activity, or account status.

Message and data rates may apply. Charges are determined by your mobile carrier.

You may opt out of SMS communications at any time by replying STOP or by using any other reasonable method to communicate that you no longer wish to receive SMS messages.

After opting out, you may receive a final confirmation message confirming your opt-out.

For help, reply HELP, email support@mypayco.com, or call 424-230-7212.

Payco does not sell, rent, or share SMS consent or mobile phone numbers with third parties or affiliates for their own marketing purposes.

SMS delivery is subject to carrier availability and is not guaranteed. Payco is not responsible for delayed, blocked, failed, or undelivered messages.

Payco’s use of information collected through SMS communications is governed by Payco’s Privacy Policy.

Payco may update these SMS Terms & Conditions at any time. Updates are effective when posted to the website unless a different effective date is stated.

Questions about these SMS Terms & Conditions may be sent to:

Payco Enterprises, Inc. DBA Payco
Email: support@mypayco.com
Phone: 424-230-7212

5. PAYCO ACCESSIBILITY STATEMENT

Effective Date: May 8, 2026

Last Revised: May 8, 2026

Website: www.mypayco.com

Payco Enterprises, Inc. DBA Payco is committed to making its website accessible and usable for all people, including individuals with disabilities. We believe every visitor should be able to access information about our company, services, programs, and support resources in a clear, functional, and user-friendly manner.

Payco strives to maintain a website that is accessible to the broadest possible audience, regardless of technology, ability, or method of access.

Payco’s goal is to improve accessibility and usability over time and to work toward alignment with recognized accessibility standards, including the Web Content Accessibility Guidelines, commonly known as WCAG.

Where practical, Payco works toward conformance with WCAG 2.1 and/or WCAG 2.2 Level AA standards.

Accessibility is an ongoing process. Payco may periodically review, test, and update the website to improve usability and accessibility. These efforts may include:

· Improving navigation and keyboard accessibility

· Adding or improving alternative text for images and visual elements

· Reviewing page structure, headings, links, buttons, and form labels

· Improving color contrast and readability

· Reducing barriers for screen readers and assistive technologies

· Reviewing PDFs, forms, embedded content, and third-party tools where applicable

· Responding to accessibility feedback from website users

Our website may include links, embedded tools, payment forms, scheduling tools, videos, maps, plug-ins, processors, software platforms, or other third-party content that Payco does not fully control.

While Payco encourages accessibility across all website experiences, third-party platforms may have their own accessibility practices and limitations.

If you experience difficulty with any third-party feature linked from or embedded on our website, please contact us so we can attempt to assist you or provide an alternative method of access where reasonably available.

If you have difficulty accessing any part of www.mypayco.com, or if you need information in an alternative format, please contact us.

Payco will make reasonable efforts to assist you and provide the information, service, or support you are seeking.

Payco welcomes accessibility feedback. If you identify an accessibility barrier, we appreciate the opportunity to address it.

When contacting us, please include:

· The page or feature where you experienced an issue

· A description of the problem

· The device, browser, or assistive technology you were using, if applicable

· Your preferred contact method

Accessibility-related questions or requests may be directed to:

Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: support@mypayco.com
Phone: 424-230-7212

Payco does not intend to exclude or disadvantage any person on the basis of disability. Our objective is to provide equal access to our website, business information, and available services.

Payco may update this Accessibility Statement from time to time as our website, technology, services, and accessibility practices evolve.

6. PAYCO COOKIE POLICY

Effective Date: May 8, 2026

Last Revised: May 8, 2026

Website: www.mypayco.com

This Cookie Policy explains how Payco Enterprises, Inc. DBA Payco uses cookies and similar technologies on www.mypayco.com. By using the website, you acknowledge that Payco may use cookies and similar technologies as described in this Cookie Policy and Payco’s Privacy Policy.

Cookies are small text files placed on your device when you visit a website. Cookies help websites operate, remember preferences, analyze usage, improve performance, and support marketing or advertising functions.

Similar technologies may include pixels, tags, web beacons, scripts, software development kits, local storage, and analytics tools.

Payco may use the following types of cookies:

· Essential Cookies: These cookies are necessary for the website to function and cannot usually be disabled through our systems. They may support page navigation, security, form submission, and basic website functionality.

· Analytics Cookies: These cookies help Payco understand how visitors use the website, including pages visited, time spent on the site, referring sources, and general website performance.

· Functional Cookies: These cookies may remember user preferences and improve website functionality.

· Advertising or Marketing Cookies: These cookies may be used to understand marketing performance, measure campaigns, deliver relevant advertising, or support retargeting through third-party platforms.

Cookies and similar technologies may collect information such as:

· IP address

· Browser type

· Device type

· Operating system

· Pages viewed

· Time spent on pages

· Referring website

· Click activity

· Form interaction data

· General location information

· Advertising or campaign identifiers

Payco may use third-party tools and services that place cookies or similar technologies on your device. These may include analytics providers, advertising platforms, CRM tools, embedded forms, video providers, payment tools, scheduling tools, and other business or website service providers.

Payco does not control all third-party cookies. Third-party providers may use their own cookies according to their own privacy policies.

You may control or disable cookies through your browser settings. Most browsers allow you to block cookies, delete cookies, or receive alerts before cookies are stored.

If you disable cookies, some website features may not function properly.

Some browsers offer “Do Not Track” signals. Because there is no uniform industry standard for responding to these signals, Payco may not respond to all Do Not Track signals.

Payco may update this Cookie Policy at any time. Updates will be effective when posted to the website unless a different effective date is stated.

Questions about this Cookie Policy may be directed to:

Payco Enterprises, Inc. DBA Payco
Website: www.mypayco.com
Email: support@mypayco.com
Phone: 424-230-7212