Effective Date: December 9, 2025
These Terms of Service ("Terms") constitute a legally binding agreement between
Leo Processing ("Leo Processing," "we," "us," or "our") and you, whether personally or on behalf of an entity ("User," "Client," or "you") concerning your access to and use of the https://leoprocessing.com/ website, the Merchant Portal, and any related payment processing, gateway, and financial services (collectively, the "Services").
BY ACCESSING OR USING THE SERVICES, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY ALL OF THESE TERMS OF SERVICE.
1. RELATIONSHIP, ACCEPTANCE, AND SCOPE
1.1 Acceptance
If you do not agree with all of these Terms, then you are expressly prohibited from using the Services and must discontinue use immediately.
1.2 Merchant Agreement Supersedes
For any party that executes a separate Merchant Processing Agreement with Leo Processing, that agreement will control and take precedence over these Terms in the event of any conflict regarding the provision of payment services, fees, chargebacks, or settlements. These Terms remain applicable to your general use of the website and the Merchant Portal.
1.3 Eligibility
The Services are intended for users who are at least 18 years old. By using the Services, you represent and warrant that you have the legal capacity to enter into this agreement.
2. PAYMENT SERVICES & CLIENT RESPONSIBILITIES
2.1 Services Provided
Leo Processing provides access to a technology platform and gateway solutions that facilitate the transmission of payment data to card networks and financial institutions for authorization and settlement. We are not a bank or a money services business.
2.2 Financial Responsibility
You are solely responsible for all financial risks, including chargebacks, fines, fees, and regulatory penalties associated with your use of the Services and the types of products or services you sell. You agree to indemnify and hold Leo Processing harmless from any losses arising from unauthorized transactions, fraud, or chargebacks initiated by your customers.
2.3 Compliance
You agree to comply with all applicable laws, regulations, and the rules and operating regulations of all applicable card networks (e.g., Visa, Mastercard) and NACHA, in connection with your use of the Services. You must ensure that your business maintains PCI-DSS Compliance for any cardholder data you handle outside of our systems.
2.4 Account Security
You are responsible for safeguarding your login credentials and for all activities that occur under your account. You must notify Leo Processing immediately of any unauthorized use or security breach.
3. SMS MESSAGING, COMMUNICATION, AND CONSENT
3.1 SMS Consent
By checking the box consenting to receive marketing and promotional messages, or by providing your mobile phone number to us for informational messages (such as real-time notifications or alerts), you consent to receive recurring automated and manually generated text messages from or on behalf of Leo Processing at the mobile number provided.
3.2 Message Content and Frequency
Messages may include, but are not limited to, special offers, discounts, new product updates, transaction alerts, and customer service follow-ups. Message frequency will vary.
3.3 Costs and Carriers
Message and Data rates may apply. All charges are billed by and payable to your mobile service provider. Leo Processing is not liable for delays or failures in message delivery caused by the mobile network operator.
3.4 Opt-Out and Help
- To STOP receiving marketing messages, reply STOP to any text message received.
- For HELP regarding the text message program, reply HELP to any text message or call us at (888) 568-1030.
3.5 Termination of SMS
We may suspend or terminate your receipt of SMS messages if we believe you are in breach of these Terms.
4. INTELLECTUAL PROPERTY RIGHTS
4.1 Our Property
Unless otherwise indicated, the Services and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the website (collectively, the "Content") and the trademarks, service marks, and logos contained therein ("Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.
4.2 Limited License
We grant you a revocable, non-exclusive, non-transferable, limited right to access and use the Services solely for your internal business use in accordance with these Terms.
5. DISCLAIMER OF WARRANTIES
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, LEO PROCESSING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Services will be uninterrupted, error-free, completely secure, or that any defects will be corrected. You assume all risk for any damage resulting from your use of or access to the Services.
6. LIMITATION OF LIABILITY
IN NO EVENT WILL LEO PROCESSING, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, LEO PROCESSING’S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR THE SERVICES DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.
7. INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Services; (2) your breach of these Terms; (3) your violation of the rights of a third party, including intellectual property rights; or (4) any act or omission by you that violates applicable law, including card network rules.
8. GOVERNING LAW AND DISPUTE RESOLUTION
8.1 Governing Law
These Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.
8.2 Binding Arbitration
Any legal controversy or claim arising from or relating to these Terms or the Services (excluding minor claims seeking injunctive relief or intellectual property claims) will be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association (AAA). The arbitration shall take place in St. George, Utah. The award rendered by the arbitrator shall be final and binding upon the parties.
9. MISCELLANEOUS
These Terms constitute the entire agreement between you and us regarding the use of the Services. The failure of us to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. If any provision of these Terms is determined to be unlawful, void, or unenforceable, that provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severed from these Terms, which will not affect the validity and enforceability of the remaining provisions.
