Terms of Service

These Terms of Service govern your access to and use of the BVO Payments website, launch packages, consulting, documentation, and related services (the "Services"). By purchasing a package or submitting an application, you agree to these terms.

You must be at least 18 years old and legally able to enter into contracts on behalf of yourself or the business you represent.

BVO Payments provides setup and advisory services for entrepreneurs launching their own cash discounting or payment processing firm. Depending on the package purchased, this may include ISO/Schedule A negotiation support, legal and compliance document preparation, cash discount and dual pricing configuration guidance, terminal provisioning, and launch strategy sessions.

Deliverables are defined by the package you purchase. Anything not expressly included is out of scope.

All payments to BVO Payments are final. We do not issue refunds, credits, partial refunds, or exchanges for any package, deposit, add-on, or service fee, whether or not the Services have been started, delivered, or used.

This policy exists because our work begins immediately upon purchase and involves third-party negotiation, document preparation, and reserved hardware that cannot be recovered. By completing a purchase you expressly waive any right to a refund and agree not to initiate a chargeback or payment dispute. Initiating a chargeback is a material breach of these terms and may result in immediate termination of Services and collection of amounts owed.

Any earnings figures, calculator outputs, residual projections, examples, or case references shown on this site are illustrations only. They are not promises, guarantees, or predictions of results. Your results depend on your effort, market, pricing, merchant retention, and factors outside our control.

You are responsible for operating your own business lawfully. This includes complying with card-brand rules, state and local law governing cash discount and dual pricing programs, required signage and disclosures, tax obligations, and any agreements you sign with processors, ISOs, or merchants.

We provide guidance and documentation; we are not your attorney, accountant, or licensed representative, and nothing we provide is legal, tax, or financial advice.

Processors, ISOs, banks, and hardware vendors are independent third parties. Their approval decisions, pricing, timelines, and Schedule A terms are theirs alone. We advocate on your behalf but do not control or guarantee their outcomes.

Templates, agreements, playbooks, training material, and other work product we provide are licensed to you for use in your own business only. You may not resell, republish, sublicense, or distribute them.

To the maximum extent permitted by law, BVO Payments is not liable for lost profits, lost residuals, lost merchants, or any indirect, incidental, special, or consequential damages. Our total liability for any claim is limited to the amount you paid us for the specific package giving rise to the claim.

We may suspend or terminate Services for non-payment, abusive conduct, misrepresentation, or breach of these terms. Termination does not entitle you to a refund.

We may update these terms from time to time. Continued use of the Services after an update constitutes acceptance. Questions about these terms can be sent through our application form.