Terms of Service

By accessing or using the Prism website and services ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. These terms apply to merchants and other users or visitors.

Prism offers store builds and migrations, checkout installation and repair, store operations support, website reviews, and card-processing support for research-only, high-risk merchants. New services begin with a consultation. Scope, fees, and any service-specific terms are discussed before an engagement; a consultation request does not purchase a service or establish a processing account.

Prism is not a law firm and does not provide legal advice. Reviews, guidance, and reports are informational. They do not establish a product's legal status or guarantee compliance with a card-network rule, regulatory requirement, or legal standard.

Use of Prism does not guarantee:

• Approval for payment processing
• Protection from account suspension or termination
• Immunity from regulatory review or enforcement
• Compliance with a card-network rule or regulatory requirement

The relevant provider determines processing eligibility, account terms, and continued access through its own underwriting and review. Final responsibility for the merchant's business practices remains with the merchant. Consult qualified legal or regulatory professionals about business-specific obligations.

You may request a consultation without creating an account or paying through this website. Provide accurate information so we can understand and respond to your inquiry. A request is not a confirmed appointment or an agreement to provide services.

If an agreed service includes account access, you must provide accurate and complete account information and keep it current. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You may use the Service for compliance reviews and processing-related support for your own business or a business you are authorized to manage. You may not:

• Attempt to circumvent or disable any security features of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service for any unlawful purpose
• Resell or redistribute access to the Service without authorization

Reports and guidance address the agreed review scope using the information available at the time. They may identify concerns and suggested next steps, but they do not constitute legal advice, a compliance certification, or a processing provider's decision.

A research-only label does not by itself establish product legality or processing eligibility. Product-specific and legal questions should be addressed with qualified professionals; processing questions should also be confirmed with the relevant provider.

The Service, including its proprietary technology, methodologies, user interface, and documentation, is the intellectual property of Prism. You may not copy, modify, distribute, or create derivative works based on the Service without our written permission.

To the maximum extent permitted by law, Prism shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of the Service.

Prism's total liability for any claim arising from the Service shall not exceed the amount you paid for the Service in the twelve months preceding the claim.

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. Prism does not warrant that the Service will be uninterrupted, error-free, or that it will identify all compliance risks.

We may suspend or terminate your access to the Service at any time for violation of these terms or for any other reason at our discretion. You may terminate your account at any time by contacting us at info@prismpro.io.

We may update these Terms of Service from time to time. We will notify you of material changes by posting the updated terms on our website. Your continued use of the Service after changes are posted constitutes acceptance of the updated terms.

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

If you have questions about these Terms of Service, contact us at info@prismpro.io.