Terms of Service

Effective Date: February 27, 2026

Last Updated: February 27, 2026

Section 1. Introduction and Acceptance

Welcome to RatesNegotiator, a service provided by United Processing Solutions LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the RatesNegotiator website and all services provided by United Processing Solutions LLC (collectively, the "Services").

BY CHECKING THE "I AGREE TO THE TERMS AND CONDITIONS" BOX, CLICKING "CONTINUE TO PAYMENT," SUBMITTING PAYMENT, OR OTHERWISE USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. If you do not agree to these Terms, do not use our Services or submit payment.

You represent and warrant that you have the legal authority to bind yourself or the business entity you represent to these Terms.

Section 2. Order of Precedence and Service-Specific Agreements

2.1 Negotiate For You Service Agreement: Clients who purchase the Negotiate For You service are required to sign a separate Service Agreement before work begins. That signed Service Agreement is the controlling document for the Negotiate For You engagement and governs all aspects of that service relationship, including deposit terms, fees, refund eligibility, liability, and dispute resolution.

2.2 Conflict Between Documents: In the event of any conflict or inconsistency between these Terms of Service and the signed Service Agreement, the Service Agreement shall govern to the extent of the inconsistency.

2.3 Scope of These Terms: These Terms of Service apply to general website usage, the Free Analysis service, and the Playbook and Coaching product. Provisions of these Terms that are specific to the Negotiate For You service are provided for informational purposes and are subject to the controlling terms of the signed Service Agreement.

2.4 Inapplicability of Consumer Guarantees: The sixty (60) day money-back guarantee and any other consumer-friendly provisions applicable to digital products (such as the Playbook and Coaching) do not apply to the Negotiate For You service, which is governed exclusively by the Service Agreement.

Section 3. Service Description

RatesNegotiator provides credit card processing fee negotiation services. Our current service offerings include:

3.1 Free Statement Analysis ($0)

AI-powered analysis of your merchant processing statement
Fee breakdown and industry benchmark comparison
Estimated savings potential report delivered via email within 48 hours
No payment required; no obligation to purchase additional services

3.2 Premium Playbook + Coaching ($299, one-time payment)

Comprehensive step-by-step negotiation guide
Phone scripts and email templates for processor negotiations
Rate comparison spreadsheet and insider tactics
One (1) 15-minute expert coaching call
Digital delivery via secure customer portal
Sixty (60) day money-back guarantee

3.3 Negotiate For You Service

We negotiate directly with your payment processor on your behalf
You must provide signed authorization for us to contact your processor
Inquiry-Based Engagement: Pricing for the Negotiate For You service is discussed and agreed upon during a consultation call following submission of an inquiry. Any engagement fees, deposits (if applicable), and payment terms are set forth in, and governed by, the signed Service Agreement executed before work begins. See Section 6 for refund details.
Success Fee: A one-time fee based on a percentage of estimated first-year Annual Savings, tiered by Average Monthly Processing Volume. See Section 4 for details.
All terms of this service are governed by the signed Service Agreement (see Section 2).

Section 4. Payment Terms

4.1 Payment Processing: All payments are processed securely through our PCI-compliant payment processor. By providing your payment information, you authorize us to charge the applicable fees to your designated payment method.

4.2 Playbook + Coaching: The $299 fee is due at the time of purchase as a one-time payment.

4.3 Negotiate For You Engagement Fees: Pricing for the Negotiate For You service is established through an inquiry and consultation process. Any engagement fees or deposits required to begin work, the timing and method of payment, and whether such amounts are credited toward the Savings Fee are set forth in, and governed exclusively by, the signed Service Agreement executed before work begins.

4.4 Negotiate For You Savings Fee: Upon successful negotiation of lower processing rates, a one-time Savings Fee is calculated as a percentage of estimated first-year Annual Savings. Annual Savings is calculated using the established Average Monthly Processing Volume (12-month average) as set forth in the Service Agreement. The applicable percentage is determined by the Client's Average Monthly Processing Volume tier:

Standard (less than $100,000 monthly volume): 35% of estimated first-year Annual Savings
Professional ($100,000 to $500,000 monthly volume): 30% of estimated first-year Annual Savings
Enterprise (greater than $500,000 monthly volume): 25% of estimated first-year Annual Savings

For the Negotiate For You service, "Annual Savings," "Average Monthly Processing Volume," "Effective Date of Rate Change," and the method for calculating savings and resolving fee disputes are as defined and governed by the signed Service Agreement. Any dispute regarding the Savings Fee or Annual Savings must be submitted in writing within the dispute window stated in the Service Agreement.

The Savings Fee is a one-time payment for Year 1 only, and there are no recurring fees, charges, or obligations in Year 2 or beyond. The Savings Fee is due and payable in full, upfront, upon the earliest of: (i) thirty (30) days after the Effective Date of Rate Change; (ii) fifteen (15) days after the processor's written confirmation approving the negotiated rate or fee changes; or (iii) fifteen (15) days after we deliver our written savings summary reflecting negotiated concessions ready for the Client's implementation. Payment is accepted by credit card or ACH only.

4.5 Taxes: Prices do not include applicable taxes. You are responsible for all taxes associated with your purchase.

Section 5. Marketing Communications and Consent

By using our Services, submitting your information, or completing a purchase, you consent to receive marketing and promotional communications from United Processing Solutions LLC, including but not limited to:

Information about new products and services
Special offers and promotions
Industry insights and educational content
Partnership opportunities
Service updates

You may opt out of marketing communications at any time by:

Clicking the "unsubscribe" link in any marketing email
Emailing admin@ratesnegotiator.com with "UNSUBSCRIBE" in the subject line
Contacting us directly

Opting out of marketing does not affect transactional communications related to your active services.

Section 6. Refund Policy

6.1 Free Analysis: No payment is required for the Free Analysis. No refund applies.

6.2 Premium Playbook + Coaching: We offer a sixty (60) day money-back guarantee. If you are not satisfied with the Playbook materials, you may request a full refund within 60 days of purchase by contacting admin@ratesnegotiator.com.

6.3 Negotiate For You Engagement Fees: Refund eligibility for any engagement fees or deposits paid in connection with the Negotiate For You service is governed exclusively by the signed Service Agreement. Generally, any such amounts are non-refundable except under the limited circumstance that (a) no savings are achieved through our negotiation efforts, AND (b) the Client timely cooperated with all requests for documentation, authorization, and communication throughout the engagement. The specific refund terms, including any application of paid amounts toward the Savings Fee, are set forth in the Service Agreement and control over this Section.

6.4 Cooperation Failures That Forfeit Refund Eligibility: The refund exception described in Section 6.3 does not apply, and any engagement fees or deposits remain non-refundable, if the Client:

Withholds, delays, or provides materially incomplete or inaccurate information;
Fails to respond to Company communications or processor outreach within seven (7) business days on two or more occasions;
Fails or refuses to provide processor contact information, merchant ID(s), or to execute required letters of authorization or complete processor-required authentication or portal permissions within seven (7) business days of request;
Instructs Company to cease negotiations prior to Company's determination of outcome;
Declines to authorize or implement materially similar rate or fee reductions offered by the processor; or
Independently negotiates or changes processors during the engagement in a manner that materially impairs Company's ability to negotiate.

6.5 Refund Processing: Approved refunds will be processed within five (5) to ten (10) business days to the original payment method.

Section 7. Chargeback and Dispute Policy

7.1 Contact Us First: If you have any concerns about a charge, please contact us at admin@ratesnegotiator.com before initiating a chargeback with your bank or credit card company. We are committed to resolving issues quickly and fairly.

7.2 Chargeback Consequences: By agreeing to these Terms, you acknowledge that filing a chargeback or payment dispute without first contacting us constitutes a breach of this agreement. In such cases:

Your access to all Services will be immediately suspended
We reserve the right to dispute the chargeback with documentation of your agreement to these Terms
You may be responsible for chargeback fees and administrative costs incurred by us
We may refer the matter to collections if the chargeback is found to be invalid

7.3 Documentation: By completing a purchase, you acknowledge that we retain records of your acceptance of these Terms, including timestamp and the service purchased, which may be used as evidence in any dispute.

7.4 Negotiate For You Service: For the Negotiate For You service, payment obligations, late charges, collections remedies, and dispute procedures are governed by the signed Service Agreement, which controls in the event of any inconsistency with this Section 7.

Section 8. User Responsibilities

By using our Services, you agree to:

Provide Accurate Information: Submit truthful and complete business information, including your legal business name, contact details, and processing volumes.
Statement Authenticity: Provide authentic, unaltered merchant processing statements. Submitting falsified or manipulated documents is strictly prohibited and may result in immediate termination of services without refund.
Authorization: Ensure you have the authority to authorize us to communicate with your processor on your behalf and to bind your business to these Terms.
Timely Communication: Respond promptly to our requests for additional information or documentation needed to complete negotiations.
Confidentiality: Keep the terms of any negotiated rates confidential, as required by processor agreements.
Legal Compliance: Comply with all applicable laws and regulations in your use of our Services.

Section 9. Confidentiality and Data Security

9.1 Your Data: We understand that merchant processing statements contain sensitive business information. We maintain strict confidentiality of all documents and information you provide. See our Privacy Policy for details on how we handle your data.

9.2 Secure Storage: All uploaded documents are stored using industry-standard encryption and security measures. Access is limited to authorized personnel on a need-to-know basis.

9.3 No Third-Party Sharing: We do not sell or rent your business information to unaffiliated third parties. We may use your contact information internally to inform you of additional products, services, or promotions offered by United Processing Solutions LLC and its affiliates.

Section 10. Disclaimers and No Guarantee

10.1 No Guarantee of Results: While we have a strong track record of achieving savings for our clients, we cannot and do not guarantee specific outcomes or savings amounts. Results depend on factors including your current rates, processing volumes, business type, processor policies, and market conditions.

10.2 Not Financial or Legal Advice: Our Services do not constitute financial, legal, or tax advice. We recommend consulting with appropriate professionals for such matters.

10.3 Third-Party Processors: We are not affiliated with, endorsed by, or partners of any payment processor. Our ability to negotiate is subject to each processor's policies and discretion. We cannot guarantee that your processor will agree to any rate changes.

10.4 Services Provided "As Is": Our Services are provided "as is" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Section 11. Limitation of Liability

To the fullest extent permitted by law:

Liability Cap: The total aggregate liability of United Processing Solutions LLC for any claims arising from these Terms or our Services shall not exceed the total fees actually paid by the Client under the applicable service engagement.
No Consequential Damages: United Processing Solutions LLC shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of our Services, including but not limited to lost profits, lost business opportunities, or business interruption.
Processor Actions: We are not liable for any actions or decisions made by your payment processor, including rate changes, fee adjustments, account modifications, or account terminations, including any future rate changes imposed by your processor after negotiated rates have been confirmed.
Third-Party Services: We are not liable for any issues arising from third-party services, including payment processors, banks, or technology providers.
Advisory Nature: All analysis, recommendations, and negotiation strategies provided are advisory in nature. The Client retains sole responsibility for any decisions made regarding their payment processing arrangements.
Force Majeure: We shall not be liable for delays or failures to perform due to circumstances beyond our reasonable control.

Section 12. Indemnification

You agree to indemnify, defend, and hold harmless United Processing Solutions LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

Your breach of these Terms
Your violation of any applicable law or regulation
Any inaccurate, fraudulent, or misleading information you provide
Your use of our Services
Any dispute between you and your payment processor
Any chargeback filed by you that is later found to be invalid

Section 13. Intellectual Property

All content, materials, trademarks, and intellectual property associated with RatesNegotiator and United Processing Solutions LLC remain our exclusive property. This includes but is not limited to our Playbook materials, scripts, templates, analysis methods, and website content. You may not use, reproduce, distribute, or create derivative works from our materials without prior written consent.

Section 14. Term and Termination

14.1 Term: These Terms remain in effect while you use our Services.

14.2 Termination by You: You may terminate your use of our Services at any time by contacting us. Termination does not relieve you of any fees or obligations that have accrued prior to termination.

14.3 Termination by Us: We may terminate or suspend your access to Services immediately, without prior notice, if you breach these Terms or engage in fraudulent activity.

14.4 Effect of Termination: Upon termination:

You remain responsible for any fees owed for services rendered prior to termination
We will cease all activities on your behalf
Any negotiated rates already in effect with your processor will continue according to your agreement with that processor
Your access to the Playbook portal and digital materials may be revoked if termination is due to breach

Section 15. Governing Law and Dispute Resolution

15.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

15.2 Negotiate For You Disputes: Any disputes arising from or related to the Negotiate For You service shall be resolved in accordance with the dispute resolution provisions set forth in the signed Service Agreement, which provides for binding arbitration or litigation at the election of United Processing Solutions LLC, in Palm Beach County, Florida.

15.3 All Other Disputes: For disputes arising from the Free Analysis, Playbook + Coaching, or general website usage, you agree to first contact us at admin@ratesnegotiator.com and attempt to resolve any dispute informally for at least thirty (30) days. If informal resolution fails, any such disputes shall be resolved in the state or federal courts located in Palm Beach County, Florida, and you consent to the exclusive jurisdiction of such courts.

15.4 Class Action Waiver: You agree that all disputes will be resolved on an individual basis. You waive any right to participate in a class action lawsuit, class-wide arbitration, or any other representative proceeding.

15.5 Attorneys' Fees: In any dispute arising from these Terms or our Services, the prevailing party shall be entitled to recover reasonable attorneys' fees and costs from the non-prevailing party.

Section 16. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email to your registered address or through prominent notice on our website at least thirty (30) days before taking effect. Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.

Section 17. Assignment

Neither party may assign or transfer their rights or obligations under these Terms without the prior written consent of the other party, except that either party may assign these Terms without consent in connection with a merger, acquisition, or sale of substantially all of its assets, provided that the assigning party gives written notice to the other party.

Section 18. Miscellaneous

18.1 Entire Agreement: These Terms, together with our Privacy Policy and any applicable signed Service Agreement, constitute the entire agreement between you and the Company with respect to the Services; provided that, for the Negotiate For You service, the signed Service Agreement controls in the event of any conflict.

18.2 Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18.3 Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Section 19. Electronic Signatures and Agreements

You agree that electronic signatures, including mouse-drawn or touch-screen signatures captured through our platform, constitute valid and binding signatures equivalent to handwritten signatures under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.

By providing an electronic signature, you confirm your intent to be bound by the terms of the applicable agreement.

Section 20. Contact Information

For questions about these Terms of Service, refund requests, or to resolve any disputes, please contact us:

United Processing Solutions LLC
Email: admin@ratesnegotiator.com