Terms of Service

These Terms of Service govern access to and use of ROI Core websites, applications, onboarding flows, dashboards, billing tools, merchant-of-record services, artificial intelligence features, support channels, and related services.

By creating an account, clicking to accept, signing an order, or using ROI Core, you agree to these Terms on behalf of yourself and the business or entity you represent.

You must be at least 18 years old and authorized to bind the merchant or organization that uses ROI Core.

You are responsible for the accuracy of business, owner, tax, bank, billing, compliance, and account information submitted through ROI Core.

ROI Core may require business verification, beneficial owner information, sanctions screening, KYC, AML review, document uploads, bank verification, risk review, and acceptance of additional processor, merchant-of-record, or platform terms.

ROI Core may approve, reject, suspend, pause, or condition access to monetization, payment, billing, data-lead, or merchant-of-record features based on compliance, risk, processor, network, legal, or operational requirements.

ROI Core may facilitate one-time payments, recurring billing campaigns, retries, refunds, cancellations, customer vault operations, merchant account routing, and related payment operations through NMI or other processors.

You authorize ROI Core to process, route, retry, refund, cancel, suspend, or otherwise manage transactions and billing records according to your configuration, applicable order forms, processor rules, and law.

ROI Core may provide AI-generated cross-sell suggestions, smart retry recommendations, LTV predictions, lead scoring, compliance automation, and revenue analytics.

AI outputs are recommendations and operational signals. You remain responsible for reviewing, configuring, approving, and monitoring offers, pricing, claims, billing settings, and merchant communications.

You retain ownership of your merchant content and business data, subject to the rights needed for ROI Core to operate, secure, analyze, improve, and provide the services.

Data-lead monetization features must be used only with appropriate consent, lawful basis, notice, permissions, and opt-in settings.

You may not use ROI Core for unlawful, deceptive, abusive, infringing, harmful, high-risk, or processor-prohibited activity.

You may not bypass security controls, interfere with service integrity, submit false compliance information, misuse payment credentials, scrape the service, or use ROI Core to send spam or unauthorized communications.

You are responsible for platform fees, processor fees, chargebacks, refunds, taxes, disputes, negative balances, penalties, and other amounts described in an order form, dashboard, processor schedule, or applicable agreement.

ROI Core may offset, debit, invoice, suspend access, or withhold payouts where permitted to recover amounts owed or address risk.

Each party may receive confidential information. The receiving party must protect it using reasonable safeguards and use it only to perform under these Terms.

You are responsible for account credentials, user permissions, administrative actions, and activity under your account.

ROI Core is provided on an as-is and as-available basis. To the fullest extent permitted by law, ROI Core disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted availability, accuracy, and error-free operation.

ROI Core does not guarantee any particular revenue lift, approval rate, recovery amount, compliance outcome, processor approval, or merchant-of-record availability.

To the fullest extent permitted by law, ROI Core and its affiliates, officers, directors, employees, contractors, agents, suppliers, processors, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or lost-profit damages, or for loss of revenue, goodwill, data, business opportunity, or business interruption.

To the fullest extent permitted by law, ROI Core's total aggregate liability for all claims arising out of or relating to the services, these Terms, or any related transaction will not exceed the greater of the fees paid by you to ROI Core for the affected service in the three months before the event giving rise to liability or USD $500, and in all cases will never exceed USD $5,000.

You will defend, indemnify, and hold harmless ROI Core from claims, losses, liabilities, damages, costs, and expenses arising from your merchant business, products, services, content, data, compliance submissions, payment activity, taxes, disputes, chargebacks, misuse of ROI Core, or violation of these Terms or law.

To the fullest extent permitted by law, you and ROI Core agree that any dispute, claim, or controversy arising out of or relating to these Terms, ROI Core, billing, payments, onboarding, compliance, merchant-of-record services, AI features, or any related relationship will be resolved by binding individual arbitration, not in court, except that either party may bring an individual claim in small claims court if it qualifies.

The arbitration will be administered by the American Arbitration Association under its applicable Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable, unless the parties agree to another recognized arbitration provider. The arbitrator will have exclusive authority to resolve disputes about arbitrability, enforceability, scope, interpretation, and validity of this arbitration agreement, except that a court may decide issues concerning the class action waiver below.

The arbitration will be conducted in English, by a single arbitrator, in the county and state of ROI Core's principal place of business, remotely by video or telephone, or at another mutually agreed location. The arbitrator may award only individual relief and may not consolidate claims except as these Terms expressly permit.

To the fullest extent permitted by law, you and ROI Core each waive the right to bring, join, participate in, or recover through any class action, collective action, private attorney general action, representative action, consolidated action, or class-wide arbitration.

All claims must be brought only in an individual capacity and not as a plaintiff, claimant, class member, or representative in any purported class, collective, consolidated, private attorney general, or representative proceeding.

To the fullest extent permitted by law, you and ROI Core knowingly and voluntarily waive any right to a jury trial for disputes not subject to arbitration.

ROI Core may update the services and these Terms from time to time. Material changes will be posted or otherwise communicated where required.

ROI Core may suspend or terminate access for risk, nonpayment, suspected fraud, processor requirements, legal requirements, security concerns, or breach of these Terms.

Questions about these Terms may be sent through the Contact Us page or to admin@roicore.com.