RetryHub Terms of Service

Effective date: October 3, 2026 Last updated: October 3, 2026 Version: 1.0

These Terms of Service ("Terms") are an agreement between RetryHub ("RetryHub", "we", "us", "our") and the business that uses our services ("you", the "Applicant"). They apply when you visit retryhub.com (the "Site"), submit an application, or use any of our services through the Site, application pages, contact and landing-page forms, website support chat, identity-verification page, client portal, Telegram bot, community channels, X (Twitter) direct messages, scheduling links, email and calls (together, the "Services").

By submitting an application or otherwise using the Services, you accept these Terms. If you are accepting on behalf of a business, you confirm that you have authority to bind it.

These Terms contain an agreement to resolve disputes by binding individual arbitration and a waiver of class actions and jury trials (Section 14).

Our Privacy Policy explains how we handle personal data. It does not require you to agree to any optional data use; see Section 9.

1. What we do, and what we don't do

1.1 Placement and referral service. RetryHub helps businesses apply for merchant accounts and other payment-processing services. We review your information, help you prepare your application, identify payment processors, acquiring banks, independent sales organizations (ISOs), payment gateways and platform partners (together, "Providers") that may be a fit, submit your application to them, and support you through their onboarding.

1.2 We are not a processor, bank or lender. We do not process payments, hold or move funds, issue merchant accounts, settle transactions or extend credit. Those services are provided only by Providers under their own agreements with you.

1.3 No guarantee of approval. Every decision to approve, decline, set conditions on (such as reserves, rolling holds or processing limits), price, suspend or close an account is made solely by the Provider. We do not guarantee that you will be approved, that you will be approved by a particular Provider, on particular terms, by a particular date, or that an approved account will remain open. Any time estimates or approval-likelihood comments we give are good-faith estimates only.

1.4 Your agreement with the Provider. If a Provider approves you, your relationship with that Provider is governed by the Provider's own merchant agreement, terms and policies, which you should read carefully. We are not a party to that agreement and are not responsible for the Provider's acts, omissions, fees, holds, reserves or termination decisions. If there is a conflict between these Terms and a Provider agreement about the processing services, the Provider agreement governs.

1.5 No legal, tax or compliance advice. Our guidance on applications, documents, website content or compliance is general and practical. It is not legal, tax, accounting or regulatory advice. You remain responsible for making sure your business complies with the law and with card-network rules.

2. Eligibility

2.1 The Services are for businesses only, not consumers. You must be a legally formed business or a sole trader acting for business purposes, and the person using the Services must be at least 18 years old (or the age of majority where they live, if higher).

2.2 You may not use the Services if you, your business, or any owner, director or beneficial owner is (a) the subject of sanctions administered by the US (OFAC), the UN, the EU, the UK or any other applicable authority, or located in or organized under the laws of a comprehensively sanctioned country or region; or (b) otherwise prohibited by law from receiving the Services.

3. Your responsibilities and warranties

3.1 Accurate information. You warrant that all information and documents you provide to us (about your business, owners, beneficial owners, products, website, processing history, volumes and previous account closures) are true, complete, current and not misleading, and that documents are genuine and unaltered. You will promptly tell us of any material change.

3.2 Authority and permissions. You warrant that: - you are authorized to submit the application on behalf of the business and to bind it to these Terms; - you have the right to give us the personal data of every owner, director, beneficial owner, signer, employee or business reference you include, and you have told those people that you are sharing their data with us and with Providers, and pointed them to our Privacy Policy; and - you consent, on behalf of the business, to our sharing your application and documents with Providers for the purpose of placement, as described in our Privacy Policy.

3.3 Consequences of false information. Providing false, incomplete or misleading information may lead to your application being declined, an account being closed, funds being held by the Provider, or your business being listed on industry databases of terminated merchants. We may decline to continue working with you, and we may tell Providers we have submitted your application to if we discover that information was false.

3.4 Do not send us card data. You must not send us cardholder data (card numbers, security codes, track data or PINs). Send identity and KYC documents only through our secure verification page (retryhub.com/verify), our client portal (app.retryhub.com), or another secure upload link we send you, and never post them in public channels or group chats.

3.5 Compliance. You are responsible for operating your business lawfully, for holding any licences your business requires, and for complying with the rules of the card networks and the Providers.

4. Prohibited businesses and conduct

4.1 We work with many businesses that Providers consider "high-risk". However, we will not assist, and you must not use the Services for, any business or activity that: - is illegal in any jurisdiction where you operate or sell to; - involves child sexual abuse material, non-consensual sexual content, human trafficking or exploitation; - involves terrorism financing, money laundering, sanctions evasion, or the sale of weapons, drugs or other goods or services in breach of applicable law; - is fraudulent or deceptive, including pyramid or Ponzi schemes, fake reviews, "get rich quick" schemes, or misleading health claims; - infringes intellectual property, including counterfeit goods; - involves transaction laundering, factoring or "aggregating" payments for other businesses without the Provider's authorization; or - is otherwise prohibited by card-network rules or by the Provider you apply to.

4.2 You must not: misrepresent your business model, products, ownership or website; submit an application for a business you do not represent; apply to hide a business that has been terminated by a Provider without disclosing that termination when asked; interfere with the Site or our systems; or use the Services to harass anyone or to send unsolicited messages.

4.3 Whether a particular industry is acceptable is ultimately decided by each Provider. Industry pages on the Site describe our experience; they are not a promise that any Provider will accept your business.

5. Fees and compensation

5.1 Fees you pay us. If we charge you a fee for any part of the Services (for example a paid consultation or a done-for-you service), we will show you the fee in writing, or on the booking or checkout page, before you incur it. We will not charge you any fee you have not agreed to. Unless we state otherwise in writing or the law requires otherwise, fees are non-refundable once the relevant service has been delivered.

5.2 Provider fees. Processing fees, rates, reserves and other charges for an account are set by the Provider and are payable under your Provider agreement.

5.3 Compensation we receive. We may receive compensation from Providers or partners, such as referral fees, commissions or a share of processing revenue (residuals), when we place a business with them or make a referral. This compensation may vary between Providers. We aim to recommend Providers based on fit, not compensation.

5.4 Taxes. Fees are exclusive of taxes unless stated otherwise.

6. Communications

6.1 Service communications. By applying, you agree that we may contact you about your application and the Services by email, phone, text message, Telegram, X direct message or other channels you have used with us or given us. These communications are necessary for the Services.

6.2 Marketing. We will only send you marketing messages where the law allows, and you can opt out at any time using the unsubscribe link or by emailing help@retryhub.com. Consent to marketing is never a condition of using the Services.

6.3 Calls and text messages. If you give us a phone number, you agree that we may call or text it about your application. We will not send marketing calls or texts using automated systems unless you have given separate, express written consent. Message and data rates may apply. Reply STOP to stop text messages.

6.4 Electronic communications. You agree that notices and agreements we provide electronically satisfy any legal requirement that they be in writing.

7. Intellectual property

7.1 The Site, our content, guides, industry pages, templates, software, bots, trademarks and logos are owned by us or our licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable licence to use them only to use the Services. You may not copy, scrape, resell or create derivative works from them without our written permission.

7.2 You keep all rights in the information and documents you provide. You grant us a non-exclusive licence to use, copy and share them only as needed to provide the Services and as described in our Privacy Policy, including any optional permissions you choose to give under Section 9.

7.3 If you send us feedback or suggestions, we may use them without any obligation to you.

8. Confidentiality

We will treat the non-public business information and documents you provide as confidential and will use and disclose them only to provide the Services, as described in our Privacy Policy, as required by law, or as you otherwise permit. You will treat as confidential any non-public information we share with you about Providers, pricing or our processes, and will not use it for any purpose other than your application.

9. Optional data permissions (not part of these Terms)

When you apply, we offer two optional, unchecked checkboxes, described in Section 6 of our Privacy Policy:

• permission for us to license de-identified and/or aggregated data derived from your application (for example to companies that train or research AI models); and
• permission for us to refer you to partner financing or payment providers.

Accepting these Terms does not give either permission. Each permission is given only by separately ticking its checkbox (or using a separate consent form), is not a condition of the Services, and can be withdrawn at any time with effect going forward. Whatever you choose, we will never sell, license or share cardholder data or your KYC/identity documents with data buyers.

10. Disclaimers

10.1 The Services are provided on an "as is" and "as available" basis. To the extent permitted by law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose and non-infringement.

10.2 We do not warrant that the Site or our bots will be uninterrupted or error-free. We are not responsible for third-party platforms such as Telegram or X, or for the acts, omissions, decisions, fees or policies of any Provider or partner.

10.3 Nothing in these Terms excludes any warranty or right that cannot be excluded under applicable law.

11. Limitation of liability

11.1 Exclusion of indirect loss. To the extent permitted by law, neither party is liable to the other for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, business or goodwill, arising out of these Terms or the Services.

11.2 Cap. To the extent permitted by law, each party's total liability arising out of or relating to these Terms or the Services is limited to the greater of (a) the total fees you paid us under these Terms in the 12 months before the event giving rise to the claim and (b) USD 1,000.

11.3 Provider decisions. We are not liable for losses caused by a Provider's decision to decline, delay, condition, price, hold funds on, suspend or close an account, except to the extent caused by our own breach of these Terms.

11.4 What is not limited. Nothing in these Terms limits or excludes liability for: (a) fraud or fraudulent misrepresentation; (b) death or personal injury caused by negligence; (c) gross negligence or wilful misconduct; (d) a party's indemnity obligations under Section 12; (e) our breach of data protection law or of Section 8 (Confidentiality); or (f) any other liability that cannot be limited or excluded under applicable law.

12. Indemnity

12.1 By you. You will indemnify and hold us harmless from third-party claims, fines and reasonable costs (including reasonable legal fees) arising from: (a) information or documents you provided being false, misleading or unlawfully provided; (b) your breach of Sections 3 or 4; or (c) your business's violation of law or card-network rules.

12.2 By us. We will indemnify and hold you harmless from third-party claims, fines and reasonable costs arising from (a) our use or disclosure of your information in breach of these Terms or our Privacy Policy, or (b) a claim that our Site or materials, as provided by us, infringe a third party's intellectual property rights.

12.3 Process. The party seeking indemnity must promptly notify the other, allow it to control the defense (with counsel reasonably acceptable to the indemnified party), and reasonably cooperate. The indemnifying party may not settle a claim in a way that imposes an obligation on the indemnified party without its consent.

13. Term, suspension and termination

13.1 These Terms apply from when you first use the Services until terminated.

13.2 You may stop using the Services and withdraw your application at any time by emailing help@retryhub.com. Withdrawing from us does not cancel any application already with a Provider or any agreement you have signed with a Provider; contact the Provider directly for that.

13.3 We may suspend or stop providing the Services to you, with notice where reasonable, if (a) you breach these Terms, (b) we reasonably suspect fraud, illegal activity or that your business is prohibited under Section 4, (c) required by law or by a Provider, or (d) we can no longer reasonably find a suitable Provider for your business. Otherwise, we may end the Services for convenience on 30 days' written notice.

13.4 Sections 3, 5 (for fees already owed), 7, 8, 10, 11, 12, 14 and 15 survive termination. Our Privacy Policy continues to apply to data we hold.

14. Governing law, arbitration and class-action waiver

14.1 Governing law. These Terms, and any dispute arising out of or relating to them or the Services, are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs the interpretation and enforcement of Section 14.3.

14.2 Informal resolution first. Before starting arbitration, the party with the dispute must send a written notice describing the dispute and the relief sought (to us at help@retryhub.com and RetryHub, 304 S Jones Blvd Suite 8779, Las Vegas, NV 89107, United States; to you at the email address in your application), and the parties will try in good faith to resolve it for at least 30 days.

14.3 Binding individual arbitration. Any dispute, claim or controversy arising out of or relating to these Terms or the Services that is not resolved informally will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules then in effect, before a single arbitrator. The seat of arbitration is Wilmington, Delaware; hearings may be held by video conference. The arbitrator decides all questions of arbitrability, except that a court decides any dispute about the validity or enforceability of Section 14.4. Judgment on the award may be entered in any court with jurisdiction.

14.4 Class-action and jury-trial waiver. You and we each agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims of more than one party or preside over any form of class or representative proceeding. You and we each waive any right to a jury trial. If this Section 14.4 is found unenforceable for a particular claim, that claim (and only that claim) must be severed and brought in the state or federal courts located in Delaware, and the remaining claims stay in individual arbitration.

14.5 Exceptions. Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect its intellectual property or confidential information, pending arbitration.

14.6 Courts. Subject to Sections 14.3 to 14.5, the state and federal courts located in Delaware have exclusive jurisdiction over any proceeding to compel arbitration, confirm or vacate an award, or decide any claim not subject to arbitration, and each party submits to their jurisdiction.

14.7 Mandatory local law. Nothing in this Section deprives you of the protection of mandatory provisions of the law of the country where you are established that cannot be excluded by contract.

15. General

15.1 Changes to these Terms. We may update these Terms. We will post the new version with a new "Last updated" date and, for material changes, give you at least 30 days' notice by email or on the Site before they take effect. Changes do not apply retroactively to disputes that arose before the change. If you do not agree, you may stop using the Services before the change takes effect. Changes to these Terms can never create consent to the optional permissions in Section 9.

15.2 Entire agreement. These Terms, together with any written fee schedule or order form, are the entire agreement between us about the Services.

15.3 Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition or sale of all or part of our business, provided the assignee assumes our obligations, and we will notify you.

15.4 Independent parties. We act as an independent contractor. We are not your agent, fiduciary, employee or partner, and we are not an agent of any Provider unless we tell you otherwise in writing.

15.5 Severability and waiver. Except as stated in Section 14.4, if any provision is found unenforceable, the rest remain in effect and the provision will be enforced to the maximum extent permitted. Failure to enforce a provision is not a waiver.

15.6 Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control, including Provider or platform outages.

15.7 Language. These Terms are written in English. Any translation is for convenience only.

15.8 Notices. Notices to us must be sent to help@retryhub.com and, for legal notices, also by post to RetryHub, 304 S Jones Blvd Suite 8779, Las Vegas, NV 89107, United States. We may send notices to the email address in your application.

16. Contact

RetryHub 304 S Jones Blvd Suite 8779, Las Vegas, NV 89107, United States help@retryhub.com