Terms & Conditions

You must be at least 18 years old and have legal capacity to form a binding contract to use our Services.

EFX offers transaction processing solutions, including:

• ATM processing
• ACH and payroll processing
• Financial systems integration
• Related financial services

If you create an account:

• You agree to provide accurate, current information.
• You are responsible for safeguarding your credentials.
• You agree to notify us of any unauthorized use.

You agree not to:

• Violate laws or regulations
• Attempt unauthorized access
• Interfere with Site operations

All content on the Site (text, graphics, logos, software) is owned by or licensed to EFX. You may not use it without our written permission.

Your use of the Site and Services is governed by our Privacy Policy.

To the maximum extent permitted by applicable law:

• EFX, its officers and affiliates are not liable for indirect, incidental, consequential, or punitive damages.
• Our total liability shall not exceed the fees you paid in the prior 12 months.

You agree to indemnify, defend, and hold harmless EFX and its officers, employees, and affiliates from any claims, damages, or losses arising from:

• Your use of the Site or Services
• Violation of these Terms

These Terms are governed by the laws of the State of Florida without regard to conflict of laws principles. Any dispute shall be resolved in the applicable state or federal courts located in that state.

If any part of these Terms is held invalid, it does not affect the enforceability of the remaining provisions.

We may update these Terms from time to time. Continued use after changes signifies acceptance.