Terms & Conditions

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These Terms & Conditions ("Terms") govern your use of the EFX Financial Services website ("Site") and any financial or transaction processing services provided by EFX Financial Services, LLC ("EFX", "we", "us", "our"). By accessing the Site or using our Services, you agree to these Terms.
If you do not agree, you should not use the Site or Services.
1

Eligibility

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

2

Services

EFX offers transaction processing solutions, including:

  • ATM processing
  • ACH and payroll processing
  • Financial systems integration
  • Related financial services
We may modify, suspend, or discontinue Services at any time without notice.
3

User Accounts

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.
4

Acceptable Use

You agree not to:

  • Violate laws or regulations
  • Attempt unauthorized access
  • Interfere with Site operations
We may refuse Service or suspend accounts for violations.
5

Intellectual Property

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.

6

Privacy

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

7

Disclaimers

The Site and Services are provided "as is" and "as available" without warranty of any kind, express or implied. EFX does not guarantee uninterrupted service or error-free operation.
8

Limitation of Liability

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.
9

Indemnification

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
10

Governing Law and Dispute Resolution

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.

11

Severability

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

12

Changes to Terms

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

Contact Information

If you have any questions about these Terms & Conditions, please reach out to us.

Company
EFX Financial Services, LLC
Address
EFX Corporation
1875 Indian Rocks Road
Largo, FL 33774, United States