Legal, Privacy & Terms

USA International Data respects the privacy of visitors to our website, prospective clients, merchants, and business contacts. This Privacy Policy explains how USA International Data may collect, use, disclose, and protect information when you visit our website, request a free processing review, request a quote, schedule a consultation, communicate with our team, or use services available through USA International Data. By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with USA International Data.

Information You Provide Directly

When you request a processing review, request a quote, complete a form, communicate with us, or speak with our team, we may collect information such as:

• First and last name
• Business name
• Business type or industry
• Work email address
• Phone number
• Business address or ZIP code
• Average monthly card processing volume
• Average transaction amount
• Current payment processor
• Methods currently used to accept payments
• Information about POS systems, terminals, payment gateways, or payment equipment
• Processing statements voluntarily provided for review
• Questions, comments, or other information you choose to provide

Additional information may be requested if you decide to apply for merchant services or another payment-related product or service.

2. Merchant Services Application Information

If you decide to proceed with a merchant services application, the applicable payment processor, acquiring bank, financial institution, equipment provider, or other provider may require additional business or financial information. Depending on the services requested, this information may include:

• Information about business owners
• Business formation information
• Tax identification information
• Government-issued identification
• Banking information
• Processing history
• Financial information
• Business licenses or supporting documentation
• Website or e-commerce information
• Additional information required for application underwriting

Some of this information may be sent directly to an external processor, bank, underwriting platform, or service provider rather than stored directly by USA International Data.

3. Information Collected Automatically

When you visit our website, certain technical information may be collected automatically through cookies, analytics technologies, server logs, pixels, tags, or other similar technologies. This information may include:

• IP address
• Browser type
• Device type
• Operating system
• Referring website
• Pages visited
• Time spent on pages
• Approximate geographic location
• Website interactions
• Form interactions
• Advertising campaign-related information
• Conversion activity

This information may be used to operate and improve the website, understand how visitors use our services, measure advertising performance, prevent fraud, and improve the user experience.

4. Cookies and Similar Technologies

USA International Data may use cookies and similar technologies to support website functionality, analytics, advertising measurement, conversion tracking, and site performance. Cookies are small data files that may be stored in your browser or device. Depending on the technologies used on our website, cookies may help us:

• Understand website traffic
• Measure advertising campaigns
• Determine how visitors found our site
• Remember certain preferences
• Improve site functionality
• Measure form submissions and conversions
• Detect technical or security issues

External services used for analytics, advertising, or website functionality may also place or access cookies in accordance with their own privacy policies.

You can control or disable certain cookies through your browser settings. Disabling cookies may affect some website functions.

5. How We Use Information

USA International Data may use the information we collect to:

• Respond to inquiries
• Provide requested processing reviews
• Review processing statements
• Analyze potential processing savings
• Prepare merchant services proposals
• Recommend POS systems, payment gateways, terminals, hardware, or processing solutions
• Communicate with prospective and current clients
• Process merchant services applications
• Coordinate with processors, acquiring banks, equipment providers, and technology partners
• Provide customer service
• Schedule consultations
• Improve our website and services
• Measure marketing and advertising performance
• Maintain business records
• Detect or prevent fraud, abuse, or security incidents
• Comply with applicable legal, regulatory, contractual, or compliance requirements

We may also use information for other purposes disclosed at the time of collection or with your authorization.

6. Communications

When you submit a form through the website and agree to be contacted, USA International Data may communicate with you regarding your processing review, rates, potential savings, merchant services, POS systems, payment equipment, account setup, or other related services. Communications may be made by:

• Telephone
• Email
• Text message, when authorized
• Other contact methods you have provided or authorized

Consent to receive promotional communications is not intended to be a condition of purchasing products or services where applicable law prohibits such a requirement. You may request at any time to stop receiving promotional communications. For email communications, you may use the unsubscribe method included in the message when available. For text messages, you may follow the opt-out instructions included in the message. You may also contact USA International Data directly to update your communication preferences.

7. How We May Share Information

USA International Data may share information when reasonably necessary to provide services requested by you. Depending on your request, information may be shared with:

• Payment processors
• Acquiring banks
• Merchant services providers
• Payment gateways
• POS system providers
• Equipment manufacturers or distributors
• Account underwriting and approval providers
• Fraud prevention providers
• Technology providers
• Web hosting providers
• Analytics providers
• Advertising and conversion measurement providers
• Professional advisors
• Contractors or vendors that support our business operations

Information shared with these providers may be subject to their own privacy policies, contractual terms, and regulatory obligations. USA International Data does not control the privacy practices of independent third-party companies.

8. Payment Processing Partners

USA International Data works with multiple payment processing providers, financial institutions, technology providers, POS systems, payment gateways, hardware providers, and merchant services providers. When you request a specific service or authorize us to assist you with an application, your information may be provided to one or more appropriate partners so they may:

• Evaluate your eligibility
• Conduct the application underwriting process
• Verify business information
• Prepare pricing
• Establish a merchant account
• Provide equipment
• Activate payment services
• Provide ongoing processing services

Submitting information for an initial processing review does not automatically mean that your information will be submitted for merchant account approval.

9. Processing Statements

Businesses may voluntarily provide processing statements to USA International Data so that we can review current rates, fees, processing volume, transaction activity, equipment costs, and potential savings opportunities.

Statements should be submitted only through methods authorized by USA International Data. Businesses should not send full payment card numbers, card security codes, passwords, or other sensitive card authentication information through ordinary contact forms or unsecured email.

10. Advertising and Analytics

USA International Data may use external analytics and advertising technologies to understand website traffic, measure advertising campaigns, and determine whether an advertisement resulted in a website visit, form submission, phone call, or other interaction. These providers may collect information through cookies, pixels, tags, device identifiers, or other similar technologies. Information collected through these technologies may be subject to the privacy policies of the applicable provider. Users may have additional options to limit advertising cookies or personalized advertising through their browser, device settings, or the applicable provider's privacy controls.

11. Data Security

USA International Data takes reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure. However, no website, electronic transmission, database, or information storage system can be guaranteed to be completely secure. Users should exercise appropriate caution when transmitting sensitive information electronically. When financial, banking, identity, or underwriting information is required for a merchant application, USA International Data may direct the applicant to secure systems administered by the applicable processor, financial institution, or service provider.

12. Information Retention

USA International Data may retain personal and business information for as long as reasonably necessary to:

• Provide requested services
• Maintain business and customer records
• Respond to inquiries
• Complete merchant services applications
• Maintain compliance records
• Resolve disputes
• Prevent fraud or abuse
• Enforce agreements
• Comply with legal, accounting, contractual, or regulatory requirements

Retention periods may vary depending on the type of information and the purpose for which it was collected.

13. Your Privacy Choices

You may contact USA International Data to request that we:

• Update incorrect contact information
• Correct certain information
• Stop certain promotional communications
• Review a privacy-related request
• Delete certain information when legally and operationally permitted

Certain information may need to be retained when required by law, regulations, processor requirements, contractual obligations, fraud prevention, or legitimate business recordkeeping needs.

14. State Privacy Rights

Depending on where you reside and the privacy laws applicable to USA International Data, you may have additional rights related to your personal information. These rights may include:

• Requesting access to certain personal information
• Requesting correction of inaccurate information
• Requesting deletion of certain information
• Obtaining information about certain disclosures
• Opting out of certain forms of targeted advertising or data sharing where applicable
• Appealing certain decisions related to privacy requests when required by law

The availability and scope of these rights depend on applicable law. USA International Data will process verified privacy requests in accordance with applicable legal requirements.

15. Third-Party Websites

Our website may contain links to websites, applications, platforms, processors, POS system providers, financial institutions, equipment providers, or other third parties that are not operated by USA International Data. USA International Data is not responsible for the privacy, security, content, or practices of third-party websites or services.

We recommend that users review the privacy policies of any external service before providing personal or financial information.

16. Children's Privacy

USA International Data provides merchant services and payment solutions for businesses. Our website and services are not directed to children under 13, and we do not knowingly seek to collect personal information from children under 13. If we learn that information from a child has been improperly provided to us, we may take reasonable steps to delete it.

17. Legal and Regulatory Disclosures

USA International Data may disclose information when reasonably necessary to:

• Comply with applicable law
• Respond to lawful requests from government authorities
• Comply with subpoenas, court orders, or other legal process
• Protect the legal rights of USA International Data
• Protect the rights or safety of our clients or other persons
• Investigate possible fraud, misuse, or illegal activity
• Enforce contractual obligations

18. Business Transfers

If USA International Data is involved in a merger, acquisition, sale, restructuring, financing transaction, or transfer of some or all of its business assets, information may be transferred as part of that transaction, subject to applicable law.

19. Changes to This Privacy Policy

USA International Data may periodically update this Privacy Policy to reflect changes in our website, services, technology, business practices, service providers, or applicable requirements. The most current version will be identified by the effective date shown at the beginning of this policy. We recommend that visitors review this page periodically.

20. Contact USA International Data

If you have questions regarding this Privacy Policy, your information, or your privacy choices, please contact:

USA International Data
Phone: (305) 330-9339
Website: USAInternationalData.com Privacy-related requests may also be submitted through the Contact section of our website. Please include enough information for us to identify and appropriately respond to your request.

USA International Data believes businesses should understand how much they are paying for payment processing and whether a more cost-effective option is available. Our $500 Processing Savings Guarantee is designed to give qualifying businesses an opportunity to review their current payment processing costs and compare them with available merchant services options. If USA International Data cannot identify a qualifying payment processing option with lower estimated processing costs for an eligible business, that business may qualify to receive $500, subject to the terms and conditions below. No purchase is required to request a processing review.

1. How the Guarantee Works

To participate, an eligible business must provide USA International Data with sufficient information to make an accurate comparison of its current payment processing costs. USA International Data will review the business's current processing setup and determine whether an available merchant services solution could reduce qualifying processing costs under substantially comparable processing conditions. The analysis may consider:

• Processing rates
• Transaction fees
• Interchange-related costs
• Processor fees
• Monthly processing fees
• Processing volume
• Number of transactions
• Card-type mix
• Average transaction amount
• Card-present and card-not-present transactions
• Payment methods
• Current equipment or gateway requirements
• Other recurring processing-related fees relevant to the comparison

If USA International Data determines that a qualifying processing option with lower costs exists, the $500 payment does not apply.

If USA International Data cannot identify a qualifying lower-cost option after completing the required review, and all eligibility requirements have been met, the business may qualify to receive the $500 guarantee payment.

2. Eligibility Requirements

To qualify for the $500 Processing Savings Guarantee, the applicant must:

1. Be an owner, officer, manager, or authorized representative of a legitimate business.
2. Operate a business eligible for processing services through one or more processing partners available through USA International Data.
3. Have an active payment processing account at the time the review is requested.
4. Provide recent, complete, accurate, and legible processing statements sufficient for USA International Data to perform a meaningful comparison.
5. Provide accurate information about the business's current processing setup.
6. Allow USA International Data to complete its processing-cost analysis.
7. Respond to reasonable requests for additional documentation needed to verify the comparison.
8. Not materially alter, omit, or misrepresent processing-related information.

Eligibility is subject to verification by USA International Data.

3. Required Processing Statements

USA International Data may require one or more complete and recent processing statements before determining eligibility. The statements must contain sufficient information to evaluate factors such as:

• Monthly processing volume
• Number of transactions
• Processing rates
• Interchange or card costs
• Processor fees
• Monthly fees
• Transaction fees
• Other related fees
• Payment methods
• Other recurring processing costs

USA International Data may request additional statements when a single statement does not reasonably represent the business's normal processing activity. Incomplete screenshots, partial statements, handwritten summaries, verbal estimates, or statements that do not disclose sufficient pricing information may not be adequate to qualify for the guarantee.

4. Comparable Processing Analysis

The purpose of the guarantee is to compare substantially comparable payment processing services.

USA International Data will make reasonable efforts to compare the merchant's current setup with an available solution based on comparable transaction activity and service requirements. Factors considered may include:

• Processing volume
• Number of transactions
• Average transaction amount
• Card types
• Debit and credit card mix
• Card-present transactions
• Card-not-present transactions
• Online transactions
• Virtual terminal transactions
• Mobile transactions
• Recurring transactions
• Industry classification
• Risk classification
• POS or payment gateway requirements
• Equipment requirements
• Other important processing characteristics

A comparison may not be valid if the proposed processing environment is substantially different from the business's current setup.

5. What Lower Processing Costs Means

For purposes of this guarantee, "lower processing costs" means that USA International Data identifies an available processing structure that produces a reasonably lower estimated cost for qualifying processing services, based on the merchant information and processing activity reviewed. The comparison is based on information available at the time the review is performed. It is not a guarantee that every future monthly statement will have a lower cost. Actual future costs may change due to factors outside the control of USA International Data, including:

• Changes in transaction volume
• Changes in average transaction amount
• Changes in card mix
• Changes in interchange rates
• Card network fees
• Changes in business operations
• Different payment methods
• Chargebacks
• Refunds
• Fraudulent activity
• Regulatory changes
• Processor or network changes
• Optional products or services selected by the merchant

Accordingly, the savings analysis should be understood as a good-faith comparison based on reasonably comparable processing activity.

6. Equipment, POS Systems, and Software

Unless specifically included in the written comparison, the guarantee primarily relates to qualifying payment processing costs. Costs associated with optional products or services may be evaluated separately, including:

• POS hardware
• Payment terminals
• Card readers
• Software subscriptions
• Payment gateways
• Installation
• Accessories
• Third-party applications
• Telecommunications services
• Equipment leasing

If replacing an existing service requires substantially different equipment, software, or functionality, USA International Data may consider those differences in determining whether the comparison is substantially equivalent.

7. Interchange and Card Network Costs

Certain processing costs may be established by card networks, issuing banks, or other entities, rather than by USA International Data. These costs may vary by transaction and may change over time. The guarantee is intended to compare the overall processing structure reasonably available to the business and does not imply that USA International Data controls every component of processing pricing.

8. No Obligation to Change Processors

A qualifying business does not have to change processors simply to request the free processing review. USA International Data will explain the processing option identified through the analysis. If an eligible lower-cost processing option is identified, USA International Data will have satisfied the savings component of the guarantee regardless of whether the business decides to accept or implement the proposed solution. The business remains free to decide whether to change its processing services.

9. Situations That May Not Qualify

The $500 Guarantee may not apply when USA International Data cannot perform a reliable and substantially equivalent comparison of processing costs. Examples include:

• Incomplete or illegible statements
• Fraudulent or altered documentation
• Incorrect information
• Recently expired promotional pricing
• Temporary credits or extraordinary one-time adjustments
• Processing structures subsidized through unrelated products or services
• Rates obtained through special employee, association, franchise, or other programs that cannot reasonably be duplicated
• Businesses that do not meet processor underwriting requirements
• Businesses engaged in prohibited or unsupported activities
• Businesses that cannot be served by USA International Data's available processing partners
• Processing structures that cannot be compared under substantially equivalent conditions
• Duplicate submissions made with the intent to obtain multiple guarantee payments

USA International Data may request reasonable additional documentation when necessary to determine eligibility.

10. Current USA International Data Clients

Unless USA International Data expressly states otherwise in writing, the $500 Processing Savings Guarantee is intended for qualifying prospective processing clients who request an initial review. Current processing clients of USA International Data are not eligible to repeatedly submit their existing processing structure for the purpose of obtaining additional $500 payments.

11. One Guarantee Per Business

The guarantee is limited to one $500 payment for each qualifying business entity. Multiple submissions by the same business, owner, related company, location, or substantially identical processing account may be treated as a single submission when reasonably necessary to prevent duplicate claims or abuse. USA International Data may require documentation confirming the identity and ownership of the business.

12. Guarantee Review and Verification

USA International Data must complete and verify the processing analysis before any $500 payment can be considered eligible. If USA International Data determines that no eligible lower-cost option exists and all other requirements have been satisfied, the business will be informed of its eligibility. USA International Data may request reasonable documentation necessary to:

• Confirm the identity of the business
• Verify ownership or authority
• Confirm the processing account
• Validate the statements provided
• Prevent duplicate or fraudulent claims

The guarantee is not payable solely because the applicant performed its own calculation or states that no savings were identified.

13. How to Claim an Eligible $500 Payment

If USA International Data confirms that a business qualifies for the $500 guarantee, USA International Data will provide instructions for completing the payment process. The business may be required to provide reasonable information necessary to issue and document the payment. Payment will be made to the qualifying business or its authorized payee using a payment method determined by USA International Data.

No payment will be owed until eligibility has been confirmed in writing by USA International Data.

14. Fraud, Abuse, and Misrepresentation

USA International Data reserves the right to reject a claim involving:

• False information
• Altered statements
• Fraudulent documents
• Intentional omission of material fees
• Misrepresentation of current pricing
• Duplicate claims
• Attempts to manipulate the comparison
• Other fraudulent or abusive conduct

Submission of false documentation may also result in termination of the review process.

15. Processor Approval

Availability of a lower-cost processing option may depend on merchant underwriting and approval by the applicable processor, acquiring bank, financial institution, or other provider. USA International Data cannot guarantee approval of all merchant applications. Accordingly, a proposed processing structure may be conditioned on the merchant meeting applicable underwriting and eligibility requirements.

16. Savings Estimates Are Based on Current Information

Processing-cost analyses are based on information provided by the merchant and pricing information available at the time the analysis is performed. Future costs may be different. Changes in card network fees, interchange, transaction behavior, business volume, products, services, regulations, or other circumstances may affect actual results. Nothing in this guarantee should be interpreted as a promise of a specific amount of future savings unless that amount has been expressly stated in a separate written agreement.

17. Offer Availability

The $500 Processing Savings Guarantee is available only while USA International Data keeps this promotion active. USA International Data may modify, suspend, or discontinue the promotion in the future. Any modification or discontinuation will not invalidate a claim that was properly submitted and had already qualified under the applicable terms when the review began. The offer is void where prohibited by law.

18. Relationship to Merchant Services Agreements

These guarantee terms relate only to the $500 Processing Savings Guarantee promotion.

If a business decides to obtain merchant services, payment processing, equipment, POS systems, payment gateway services, or other services through USA International Data, separate agreements from the processor, bank, equipment provider, software provider, or other third parties may apply. Those independent agreements will govern the services described in them.

19. Questions About the $500 Guarantee

We recommend that businesses ask any questions regarding the guarantee before submitting statements or relying on the promotional offer. For questions, please contact:

USA International Data
Phone: (305) 330-9339
Website: USAInternationalData.com Our team can explain the processing review process, documentation requirements, and guarantee eligibility requirements before you begin your review.

Please review the following policies and terms before requesting, purchasing, or activating merchant services, payment processing, POS systems, payment gateways, terminals, equipment, or other related services through USA International Data. These policies are designed to promote clear communication and help businesses understand the merchant services process, from the initial processing review and application through account activation and ongoing service. Because certain payment processing services are provided through banks, payment processors, technology providers, equipment manufacturers, and other external providers, additional terms and conditions may apply. By submitting an application, accepting an approved merchant services agreement, purchasing or accepting equipment, or activating services, the merchant acknowledges and accepts the applicable policies and agreements governing those services.

1. Free Processing Review and Savings Analysis

USA International Data may provide businesses with a free review of their current payment processing setup, including processing statements, rates, fees, transaction volume, POS systems, payment gateways, terminals, and related services. The purpose of this review is to identify potential opportunities to reduce costs, improve payment operations, or recommend payment solutions that may be better suited to the needs of the business. Any savings estimate, rate comparison, or recommendation provided during the review is based on information supplied by the merchant at the time of the analysis. Actual costs and savings may vary depending on transaction volume, card types, processing methods, interchange rates, business type, risk classification, equipment, software, chargebacks, and other factors. A processing review or savings estimate does not constitute final approval for payment processing services.

2. Merchant Application and Underwriting Process

Payment processing accounts are subject to application review, risk assessment, identity verification, business verification, and approval by the applicable processor, acquiring bank, or financial institution. Submission of an application does not guarantee approval. The merchant may be asked to provide documentation including, but not limited to:

• Business identification information
• Government-issued identification
• Business formation documents
• Bank account information
• Processing statements
• Financial information
• Business licenses
• Website information
• Information about products or services
• Expected transaction volume
• Average transaction amount
• Information about product or service delivery or fulfillment

Additional documentation may be requested depending on the merchant's industry, transaction volume, processing history, risk profile, or specific payment processing requirements. USA International Data cannot guarantee that an application will be approved or that a particular processor, acquiring bank, pricing structure, or payment solution will be available to every business.

3. Rates, Fees, and Pricing

Processing rates and fees may vary based on the business, processing volume, transaction type, card type, payment method, risk category, processing platform, equipment, software, and selected services. Processing costs may include:

• Interchange fees
• Card network fees
• Processor fees
• Transaction fees
• Monthly fees
• PCI-related fees
• Payment gateway fees
• Software fees
• Equipment costs
• Chargeback fees
• Documentation request fees
• Compliance-related fees
• Other fees disclosed in the applicable merchant services agreement

Any rate or pricing presented before final approval is subject to the underwriting process and the merchant's final agreement. The merchant is responsible for reviewing the complete pricing schedule and processing agreement before accepting or activating services.

4. POS Systems, Terminals, and Equipment

USA International Data may provide, sell, lease, coordinate, recommend, or facilitate payment equipment and POS solutions, including terminals, card readers, PIN pads, smart terminals, mobile devices, printers, scanners, POS systems, and related accessories. Equipment availability, pricing, warranty coverage, replacement terms, shipping, software compatibility, and return policies may vary by manufacturer, processor, distributor, or program.

Merchants are responsible for confirming that the selected hardware and software meet their operational needs before installation or implementation. Some equipment may require:

• Internet connection
• Wi-Fi or cellular service
• Access to electricity
• Compatible software
• Processor activation
• Merchant account approval
• Third-party subscriptions or services

Equipment or programs supplied by third parties may also be subject to the independent warranty, licensing, subscription, return, replacement, and service terms of those providers.

5. Processors and Third-Party Service Providers

USA International Data works with payment processors, banks, payment gateways, POS system providers, equipment manufacturers, software companies, telecommunications providers, and other technology or financial partners. Depending on the selected solution, the merchant may enter into agreements directly with one or more external providers. These agreements may contain additional terms related to:

• Processing rates
• Account requirements
• Contract term
• Equipment
• Software
• Funding deposits
• Reserves
• Chargebacks
• PCI compliance
• Data security
• Account termination
• Early termination
• Prohibited activities
• Other merchant obligations

If there is a conflict between this general policies page and a processing, banking, equipment, software, or third-party agreement signed by the merchant, the applicable signed agreement will control with respect to that specific service.

6. Funding and Settlement

Transaction funding and settlement schedules are determined by the processor, acquiring bank, card network, merchant account, transaction type, risk profile, and applicable banking arrangements. Funding times may be affected by factors including:

• Weekends
• Bank holidays
• Transaction timing
• Batch closing times
• Chargebacks
• Fraud reviews
• Processing irregularities
• Account verification
• Risk reviews
• Banking delays
• Holds or reserves

Any estimated timeframe for receiving funds does not constitute a guarantee that funds will be available at a specific time. Merchants should review their processing agreement for the specific funding and settlement terms applicable to their account.

7. Refunds, Chargebacks, and Payment Disputes

Merchants are responsible for establishing and communicating appropriate refund, cancellation, return, and customer service policies for their own customers. Chargebacks and payment disputes are governed by card network rules, processor requirements, issuing banks, acquiring banks, and applicable laws and regulations. USA International Data may help merchants understand the chargeback process or available tools, but cannot guarantee the outcome of a chargeback, retrieval request, dispute, fraud claim, or cardholder complaint. Merchants are responsible for maintaining transaction records, receipts, contracts, proof of delivery, customer communications, and other documentation that may be necessary to respond to payment disputes.

8. PCI Compliance and Payment Security

Businesses that accept payment cards are responsible for complying with applicable requirements of the Payment Card Industry Data Security Standard, known as PCI DSS, as well as any security obligations imposed by their processor, acquiring bank, card networks, payment gateway, or other providers. Merchants should follow appropriate security practices when handling:

• Cardholder information
• Customer information
• Payment credentials
• Access credentials
• Transaction records
• POS systems
• Payment terminals
• Business networks

Merchants should never store sensitive payment information in an unauthorized or insecure manner. PCI requirements, validation procedures, security tools, and compliance obligations may vary depending on how the business accepts and processes payments.

9. Fraud Prevention and Merchant Responsibility

Processing and fraud prevention tools can help reduce risk, but no technology or service can completely eliminate fraudulent transactions, chargebacks, unauthorized activity, or payment disputes. Merchants remain responsible for monitoring their transactions and following appropriate fraud prevention practices for their business. Businesses should promptly report suspicious account activity, unauthorized transactions, compromised credentials, stolen equipment, or possible security incidents to the applicable processor or provider.

10. Business Information and Account Changes

Merchants are responsible for providing accurate and current information during the application process and throughout the business relationship. Significant business changes may need to be reported to the applicable processor or financial institution. These changes may include:

• Business ownership
• Business name
• Address
• Bank account
• Products or services
• Website
• Processing volume
• Average transaction amount
• Delivery or fulfillment practices
• Business model
• Payment methods
• Contact information

Certain changes may require additional underwriting or approval.

11. Restricted or Prohibited Activities

Certain businesses, products, services, or transaction types may be restricted or prohibited by processors, acquiring banks, card networks, payment providers, or applicable laws. Eligibility requirements may vary among different processing partners. A business should not begin processing transactions for substantially different products, services, locations, websites, or business activities without first confirming that the activity is permitted under its

merchant agreement. USA International Data reserves the right to decline assistance related to businesses or activities that cannot be supported by its available processing partners or programs.

12. Cancellation and Termination of Services

Cancellation and termination requirements depend on the specific merchant account, processing agreement, equipment agreement, software subscription, payment gateway agreement, or other service contract accepted by the merchant. Merchants should carefully review those agreements to determine any applicable requirements related to:

• Cancellation notices
• Contract term
• Equipment returns
• Outstanding balances
• Software cancellation
• Early termination provisions
• Other obligations related to account closure

Stopping use of equipment or processing services does not necessarily constitute cancellation of an account. Merchants should obtain confirmation from the applicable provider when requesting cancellation.

13. $500 Processing Savings Guarantee

USA International Data may advertise a promotional offer under which qualifying businesses may be eligible to receive $500 if USA International Data cannot provide a qualifying opportunity to reduce their payment processing costs. Eligibility for this promotion is subject to the specific terms and conditions of the offer. Qualification may require the business to provide recent, complete, and accurate processing statements, as well as any other information reasonably necessary to perform a comparable processing-cost analysis. Comparisons must be based on processing volume, transaction mix, services, equipment, and other relevant factors that are substantially equivalent. Businesses that do not provide sufficient documentation to perform a valid comparison may not qualify for the promotion. Additional exclusions or eligibility requirements may apply. The final terms of the $500 Guarantee must be reviewed and approved by USA International Data before publication.

14. Service and Technology Availability

Payment processing services depend on telecommunications networks, Internet connections, banks, processors, card networks, software systems, payment gateways, equipment, and other third-party infrastructure. Temporary interruptions may occur due to:

• Internet outages
• Cellular service outages
• Power failures
• Banking interruptions
• Processor maintenance
• Software updates
• Hardware failures
• Payment network interruptions
• Cybersecurity incidents
• Events beyond reasonable control

USA International Data cannot guarantee uninterrupted availability of systems or services operated by third parties. Merchants should maintain reasonable business continuity and payment procedures appropriate for their business.

15. Recommendations and Business Decisions

USA International Data provides information about merchant services, payment processing reviews, product recommendations, equipment options, and related assistance based on the information available at the time. Merchants are responsible for evaluating whether a particular processing solution, pricing structure, POS system, payment gateway, hardware configuration, or related service is appropriate for their business. Recommendations should not be considered legal, accounting, tax, or financial advice. Businesses subject to industry-specific regulatory requirements should consult the appropriate qualified professional when necessary.

16. Written Communications and Account Instructions

Important account requests, changes, cancellations, equipment issues, billing questions, and other important instructions should be submitted through an approved written communication method whenever possible. Merchants should retain copies of important communications, agreements, pricing schedules, equipment documentation, and account-related notices for their records.

17. Changes to These Policies

USA International Data may periodically update these policies to reflect changes in its services, business practices, technology, processing relationships, or applicable requirements. The current version will be identified by the effective date shown at the beginning of this policy. Material contractual rights and obligations governed by a signed merchant agreement remain subject to the terms of that agreement.

18. Acceptance of Terms

By requesting merchant services, accepting an approved processing agreement, purchasing or accepting equipment, activating services, or otherwise entering into an agreement facilitated by USA International Data, the merchant acknowledges that additional terms of the processor, bank, equipment provider, software provider, or other service providers may apply.

The merchant is responsible for reviewing and accepting the applicable agreements before activation.

Questions About Your Merchant Services?

If you have questions regarding your payment processing proposal, pricing, equipment, merchant account, or these policies, please contact USA International Data before accepting or activating services. Phone: (305) 330-9339
Website: USAInternationalData.com Our team can help you understand your processing options, equipment, pricing, and account setup before making a decision.