HustlePay Terms of Service

Welcome to HustlePay (“HustlePay,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of HustlePay’s payment technology services, including our APIs, SDKs, documentation, dashboard, and related software or services (collectively, the “Services”).

By accessing or using HustlePay, you (“Vendor,” “Merchant,” or “you”) agree to be bound by these Terms. If you are entering into this agreement on behalf of a company, you represent and warrant that you have the authority to bind that company.

1. Services

HustlePay provides API infrastructure that enables Vendors to route and orchestrate payments through third-party payment service providers (“PSPs”). HustlePay itself is not a bank, money transmitter, or PSP and does not hold, receive, or transfer funds. All payment settlement occurs directly between you and your chosen PSP(s).

2. Eligibility

• You must be at least 18 years old and legally able to enter into contracts.
• If you use the Services on behalf of an entity, you represent and warrant that you have authority to bind that entity.
• You must comply with all applicable laws, regulations, and card network rules.

3. Account Registration

To access HustlePay, you must create an account and provide accurate, complete, and updated information. You are responsible for maintaining the confidentiality of your API keys, credentials, and account activity.

4. Use of Services

• You may only use the Services for lawful business purposes.
• You agree not to misuse, reverse engineer, or interfere with the Services.
• HustlePay may monitor usage for compliance, security, and performance optimization.
• You retain ownership of your applications and data but grant HustlePay the right to process and transmit data as necessary to provide the Services.

5. Vendor Responsibilities

• You are solely responsible for your relationships with PSPs, customers, and end users.
• You must establish direct agreements with PSPs and comply with their terms.
• You must handle disputes, chargebacks, refunds, and customer service related to your transactions.
• You are responsible for ensuring your integration with HustlePay complies with applicable law (e.g., AML, KYC, consumer protection, tax obligations).

6. Fees & Payment

HustlePay may charge fees for access to or usage of the Services as described in your pricing plan or agreement. All fees are non-refundable unless otherwise stated. You authorize HustlePay to charge your designated payment method for all applicable fees.

7. Data & Privacy

• HustlePay processes transaction metadata necessary to route payment instructions but does not store or control full cardholder data (such as full card numbers or CVVs).
• HustlePay’s processing of personal information is governed by our Privacy Policy.
• You must comply with all applicable data protection and privacy laws (e.g., GDPR, CCPA) when using the Services.

8. Intellectual Property

HustlePay retains all rights, title, and interest in and to the Services, including software, APIs, and branding. You may use HustlePay’s APIs and documentation solely as authorized under these Terms.

9. Prohibited Activities

You may not use HustlePay for:

• Illegal products or services
• Money laundering, fraud, or terrorist financing
• Activities prohibited by card networks or PSPs
• Any activity that may harm HustlePay’s systems, infrastructure, or reputation

10. Service Availability & Disclaimer

Nature of Services

HustlePay provides a non-custodial payment orchestration technology that enables merchants to route payment instructions from their WooCommerce store or other integrations to their selected third-party PSPs.

HustlePay does not:

• Act as a bank, financial institution, money transmitter, or Payment Service Provider
• Hold, receive, control, or settle customer funds
• Store full cardholder data (such as full card numbers or CVVs)
• Serve as Merchant of Record
• Perform underwriting, fraud screening, or risk assessment decisions

All financial transactions, authorizations, captures, settlements, chargebacks, refunds, disputes, tax handling, regulatory compliance obligations, and related financial responsibilities remain solely between the Merchant and their selected PSP(s).

Transaction Responsibility

The Merchant acknowledges and agrees that:

• All payment processing services are provided directly by the Merchant’s chosen PSP(s).
• PSP(s) are solely responsible for payment authorization, settlement, fraud screening, chargeback handling, and compliance with applicable financial regulations.
• Any transaction disputes, reversals, refunds, regulatory inquiries, or enforcement actions must be handled directly between the Merchant and the applicable PSP.

HustlePay shall not be liable for:

• Failed, delayed, declined, reversed, or disputed transactions
• PSP outages, downtime, API failures, or service interruptions
• Fraudulent or unauthorized transactions processed through a PSP
• Regulatory investigations or enforcement actions related to payment processing
• Merchant misconfiguration or misuse of PSP accounts

Technical Support Commitment

While HustlePay does not assume responsibility for financial processing outcomes, HustlePay provides commercially reasonable technical support related to:

• Integration and configuration of the HustlePay plugin or API
• Routing of payment instructions to connected PSPs
• API connectivity and orchestration functionality
• Investigation of technical errors originating within HustlePay’s infrastructure

If an issue is determined to originate within HustlePay’s orchestration layer, HustlePay will make commercially reasonable efforts to investigate and address the issue in a timely manner.

If an issue originates within a third-party PSP, resolution must occur directly between the Merchant and that PSP.

Service Availability

HustlePay strives to maintain high service availability but does not guarantee uninterrupted or error-free operation. The Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

Limitation of Role

HustlePay’s role is limited to providing software infrastructure that facilitates payment routing logic. HustlePay does not guarantee:

• Approval rates
• Transaction success
• Fraud prevention outcomes
• Regulatory compliance of any Merchant or PSP
• Revenue performance or conversion improvements

Merchants remain solely responsible for ensuring that their business operations, products, payment processing activities, and regulatory obligations comply with all applicable laws and contractual agreements.

11. Limitation of Liability

To the maximum extent permitted by law, HustlePay is not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, business interruption, or data loss.

HustlePay’s total cumulative liability arising out of or relating to the Services shall not exceed the fees paid to HustlePay in the twelve (12) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless HustlePay and its affiliates from any claims, damages, losses, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your relationships with PSPs or end users
• Your violation of applicable laws or regulations

13. Suspension & Termination

We may suspend or terminate your access to the Services at any time for violation of these Terms, non-payment, legal compliance requirements, or risk concerns.

Upon termination, all licenses granted herein end immediately.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of California, USA, without regard to conflict of laws principles.

Any dispute shall be resolved through binding arbitration in California, except that either party may seek injunctive relief in a court of competent jurisdiction.

15. Modifications

HustlePay may update these Terms from time to time. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

16. Contact

HustlePay, Inc. 1621 Central Avenue, 82001 Cheyenne, Wyoming, USA Email: info@hustlepay.me