Terms of Service

These Terms of Use (“Terms”) govern your access to and use of the website located at www.redclaypayments.com and any related platforms, applications, or services (collectively, the “Services”) provided by RedClay Payments (“RedClay,” “Company,” “we,” “our,” or “us”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not access or use the Services.

1. Eligibility and Use of Services

You represent that you are at least eighteen (18) years of age and have the legal authority to enter into these Terms. The Services are intended for business and commercial use only.

2. Permitted Use

You may use the Services solely for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Interfere with or disrupt the Services
• Attempt to gain unauthorized access to systems or data
• Use the Services for fraudulent or deceptive purposes

3. No Financial or Legal Advice

The Services are provided for informational purposes only. RedClay Payments does not provide legal, tax, or financial advice. Any decisions made based on information provided through the Services are solely at your own risk.

4. Intellectual Property

All content, trademarks, logos, software, and materials made available through the Services are owned by or licensed to RedClay Payments and are protected by intellectual property laws. No rights are granted except as expressly stated.

5. Third-Party Services

The Services may integrate or link to third-party services, including payment processors, acquiring banks, and technology providers. RedClay Payments is not responsible for third-party services or their content.

6. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, REDCLAY PAYMENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8. Indemnification

You agree to indemnify and hold harmless RedClay Payments and its affiliates, officers, directors, employees, and partners from any claims, liabilities, damages, or expenses arising out of your use of the Services or violation of these Terms.

9. Termination

We may suspend or terminate access to the Services at any time, with or without notice, for any reason, including violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to conflict-of-law principles.

Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information. The Privacy Policy is incorporated into these Terms by reference and is available at www.redclaypayments.com.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

12. Contact Information