Terms & Conditions

Welcome to Allifide Merchant Group ("Allifide," "we," "our," or "us"). These Terms & Conditions govern your access to and use of our website, services, and online content. By accessing or using this website, you acknowledge that you have read, understood, and agree to these terms. If you do not agree with these Terms & Conditions, please discontinue use of our website.

1. About Allifide Merchant Group

Allifide Merchant Group is a merchant services brokerage specializing in payment processing solutions, including credit card and ACH processing, alternative payment methods, payment hardware, and business software solutions.

We work with a network of independent payment processors, financial institutions, technology providers, and other industry partners to identify and facilitate solutions tailored to individual business needs.

Allifide Merchant Group is not a bank, financial institution, or card network. Payment processing services are provided by the applicable third-party processors and financial institutions, subject to their respective agreements, underwriting requirements, and terms of service.

2. Use of Our Website

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their ability to access and use the website.

You agree not to:

Use the website for fraudulent, misleading, or unlawful purposes.
Attempt to gain unauthorized access to our systems or networks.
Introduce malicious software, viruses, or harmful code.
Copy, distribute, or reproduce website content without prior written permission.
Misrepresent your identity or affiliation when submitting information or inquiries.

We reserve the right to restrict or terminate access to our website at our discretion if these terms are violated.

3. Services & Third-Party Providers

Allifide provides merchant services consulting, brokerage, and payment technology solutions. Our services may involve third-party payment processors, banks, financial institutions, software providers, equipment manufacturers, and other independent service providers.

The availability, pricing, functionality, and terms of these services may vary depending on the provider, business type, processing volume, underwriting requirements, and other factors.

Any processing rates, fees, savings estimates, or service recommendations provided by Allifide are subject to review, approval, and final agreement with the applicable provider.

Allifide does not guarantee approval for merchant accounts, specific processing rates, savings amounts, transaction acceptance, uninterrupted processing, or the availability of any third-party service.

Your use of third-party products and services may be governed by separate agreements directly between you and the applicable provider.

4. Payment Processing & Merchant Accounts

Merchant accounts and payment processing services are subject to separate applications, underwriting, approval, and contractual agreements established by the applicable payment processor or financial institution.

Approval is not guaranteed and may depend on business history, creditworthiness, industry classification, transaction volume, risk assessments, and other underwriting criteria.

Processing rates, fees, funding schedules, reserves, chargeback policies, and account requirements are established by the applicable provider and outlined in the governing merchant agreement.

Allifide may assist with account selection, application submission, implementation, and ongoing support but does not independently control the policies, approval decisions, or operational practices of third-party processors.

5. Third-Party Merchant Applications & Information

Allifide Merchant Group facilitates merchant services applications through its network of independent payment processing partners. Applications are completed directly through the respective processor's designated platform, where applicants may be asked to provide business, financial, ownership, and other information required for underwriting and account approval.

The collection, processing, storage, and protection of information submitted through these platforms are governed by the individual processor's privacy policies, security practices, and terms of service. Allifide does not independently control these third-party application platforms or their data handling practices.

6. Pricing & Savings Representations

Any pricing, processing comparisons, savings estimates, or cost analyses presented by Allifide are provided for informational and evaluation purposes.

Actual costs and savings may vary based on transaction volume, average ticket size, card mix, payment methods, business practices, processor pricing structures, and other variables.

No savings amount or processing rate is guaranteed unless expressly documented in a written agreement.

7. Payment Hardware & Software – Buffalo POS

Payment hardware, point-of-sale systems, and related software solutions are offered through Buffalo POS, a sister company of Allifide Merchant Group. Buffalo POS provides access to payment technology, equipment, software licensing, and related services, which may be subject to separate agreements, pricing, rental terms, warranties, and service obligations.

Allifide may facilitate introductions and coordinate technology solutions as part of its merchant services offerings. Specific product and service obligations remain subject to the applicable Buffalo POS or third-party provider agreement.

8. Third-Party Websites & Services

Our website may contain links to third-party websites, platforms, or service providers. These links are provided for convenience and informational purposes.

Allifide does not own, operate, or control these third-party websites and is not responsible for their content, privacy practices, security, availability, or business practices.

Your interactions with third-party providers are subject to their own terms, policies, and agreements.

9. Privacy & Website Inquiries

We respect the privacy of our clients and website visitors. Information submitted directly through our website, such as basic contact details and business inquiries, may be used to respond to requests, evaluate potential services, and facilitate business relationships.

We do not sell personal information submitted through our website.

Please refer to our separate Privacy Policy for additional information regarding the collection, use, and handling of information submitted through our website.

When you follow a link to a third-party processor's application platform, information you submit there is handled in accordance with that provider's privacy policy and applicable terms, as described in Section 5.

10. Intellectual Property

All content appearing on this website, including text, graphics, logos, designs, images, branding, and other materials, is the property of Allifide Merchant Group or its respective licensors unless otherwise noted.

These materials may not be copied, reproduced, distributed, modified, or commercially used without prior written authorization.

Allifide, its logos, and associated branding may not be used in a manner that suggests an unauthorized affiliation, endorsement, or partnership.

11. Disclaimer of Warranties

This website and its contents are provided on an “as is” and “as available” basis.

While we make reasonable efforts to maintain accurate, current, and reliable information, Allifide makes no representations or warranties, express or implied, regarding the completeness, accuracy, availability, or suitability of website content or third-party products and services.

We do not guarantee uninterrupted website access, error-free operation, or the continued availability of any particular service or technology.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Allifide Merchant Group, its owners, employees, affiliates, and representatives shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to the use of this website or reliance upon information presented herein.

Allifide shall not be responsible for losses, service interruptions, processing delays, funding delays, equipment failures, software disruptions, or other issues arising from the acts or omissions of independent third-party processors, financial institutions, manufacturers, or technology providers, except to the extent liability cannot legally be excluded.

Nothing in these Terms & Conditions limits any rights or remedies that cannot be waived under applicable law.

13. Indemnification

You agree to indemnify and hold harmless Allifide Merchant Group, its owners, employees, affiliates, and representatives from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of this website, violation of these terms, or infringement of the rights of another party.

14. Changes to These Terms

Allifide reserves the right to modify or update these Terms & Conditions at any time.

Changes will become effective upon publication on this website, with the updated effective date reflected above. Your continued use of the website following publication of changes constitutes acceptance of the revised terms, to the extent permitted by law.

15. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of New York, without regard to its conflict-of-law principles. Any disputes arising from the use of this website or these terms shall be subject to the jurisdiction of the applicable state or federal courts located in New York, subject to applicable law