Terms of service

These Terms of Service (“Terms”) govern your access to and use of assurna.com, the quote intake, and related services provided by Assurna (“Assurna,” “we,” “our,” or “us”). By using the site or submitting a quote request, you agree to these Terms. If you do not agree, do not use the site.

Assurna provides merchant services and payment processing to businesses, including online (card-not-present) payments, in-person (POS) payments, invoicing, recurring billing, and ACH. This site and the quote intake are marketing and onboarding tools.

Payment processing itself is governed by a separate Merchant Processing Agreement (also called a sub-merchant agreement) that you enter into upon approval. That agreement, together with the operating rules of the card networks and the terms of our sponsoring acquiring bank and processors, controls the processing relationship and prevails over any conflicting statement on this site.

Content on this site is provided for general informational purposes only and is not legal, tax, accounting, or financial advice. Pricing examples, savings claims, and forward-looking statements depend on your specific business, processing volume, and card mix. Your actual rates and terms are set in your Merchant Processing Agreement.

Merchant accounts are subject to underwriting and approval by Assurna, our sponsor bank, and the card networks. We collect business, ownership, and financial information to verify identity and assess risk under applicable anti-money-laundering (Bank Secrecy Act) and know-your-customer requirements. We may approve, decline, condition, suspend, or terminate an account, and may require reserves or funding holds, consistent with the Merchant Processing Agreement and network rules.

We do not board businesses in categories prohibited or restricted by the card networks or our sponsor bank (for example, illegal goods or services, certain high-risk categories, or sanctioned parties). You must be a U.S. business and an authorized representative to apply.

Assurna passes the card networks’ interchange cost straight through with no markup, quoted against your real volume and mix. Any pricing presented on this site (including statements about no markup, no PCI, statement, setup, or cancellation fees, no long-term contract, and free migration) is a description of our standard offering and is not binding until set out in your Merchant Processing Agreement, which contains the complete and controlling fee schedule.

Standard settlement is the next business day for approved transactions, subject to cutoff times, bank processing schedules, holidays, and any risk holds or reserves applied under the Merchant Processing Agreement. Funds are deposited to the bank account you designate and verify. We are not responsible for delays caused by your bank, incorrect account details, or circumstances outside our control.

Cardholders may dispute transactions under card-network rules. You are responsible for chargebacks, refunds, and related fees on your transactions, and you agree to cooperate in resolving disputes and to provide supporting documentation. We may debit your settlement account or reserve for chargebacks and associated amounts as permitted by your Merchant Processing Agreement and the network rules.

As a merchant, you must comply with the operating rules of the card networks (Visa, Mastercard, American Express, and Discover) and maintain compliance with the Payment Card Industry Data Security Standard (PCI DSS) applicable to how you accept payments. You may not store prohibited card data, and you must use our processing tools in accordance with their documentation.

Card-brand names and logos are the property of their respective owners and are referenced here for identification only. Their appearance does not imply endorsement.

You agree not to:

• Use the site in violation of any law or these Terms;
• Submit false, misleading, or fraudulent information on any quote or contact form;
• Attempt to gain unauthorized access to any portion of the site, account, or system;
• Interfere with site availability, perform automated scraping at a rate that degrades service, or attempt to reverse-engineer site security;
• Use site content (other than personal viewing and the limited fair-use rights granted by law) without Assurna’s written permission.

By providing a mobile number and checking the SMS-consent box on an Assurna form, you agree to receive text messages from Assurna (the “Program”). The Program sends conversational and transactional messages tied to your inquiry or account, including quote confirmations, scheduling, reminders, follow-ups from a specialist, and notices about your application or account.

• Frequency. Message frequency varies based on your interactions with us.
• Costs. Message and data rates may apply, depending on your carrier and plan.
• Opt-out. Reply STOP to any message to unsubscribe. We will send one confirmation message and then stop further Program messages. You may also email hello@assurna.com to request removal.
• Help. Reply HELP for help, or contact hello@assurna.com or 877-ASSURNA (877-277-8762).
• Eligibility. You must be 18 or older, a US resident, and the account holder or authorized user of the mobile number you provide.
• Carriers. Supported carriers include all major US carriers (AT&T, T-Mobile, Verizon, and others). Carriers are not liable for delayed or undelivered messages.
• Privacy. SMS opt-in data is handled as described in our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
• Changes. We may modify or terminate the Program at any time, with notice where required by law.

Payment processing depends on third parties, including our sponsoring acquiring bank, the card networks, processors, gateways, and terminal providers, each with its own terms. Your acceptance of payments is also subject to those parties’ rules. Assurna is not responsible for outages, errors, or actions of these third parties beyond our reasonable control.

Site content, text, graphics, logos, code, and design, is owned by Assurna or its licensors and is protected by copyright, trademark, and other applicable laws. The Assurna name and logo are trademarks of Assurna. You may not use them without prior written consent.

The site and all content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be error-free, uninterrupted, or that any content is accurate, current, or complete.

To the maximum extent permitted by applicable law, Assurna and its affiliates, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, arising from your access to or use of the site, even if advised of the possibility of such damages. Nothing in these Terms limits Assurna’s liability for fraud, willful misconduct, or any other liability that cannot be limited by law.

You agree to indemnify and hold Assurna harmless from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms, your misuse of the site, or your violation of any rights of a third party.

If you have a complaint, please contact us first at hello@assurna.com. See the disclosures page for our regulatory disclosures and complaint procedure.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Your Merchant Processing Agreement may specify its own governing-law and dispute-resolution provisions, which control the processing relationship.

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Continued use of the site after the changes take effect constitutes acceptance of the updated Terms.

Questions about these Terms: legal@assurna.com. General contact: hello@assurna.com.