Terms & Conditions

Last updated: October 5, 2026

Effective date: October 5, 2026

Agreement to Terms

These Terms and Conditions govern your use of akord.io and any services, forms, or communications provided by Akord Payment Solutions ("Akord," "we," "us," or "our"). By accessing our website, submitting a form, or communicating with us, you agree to these terms.

About Akord

Akord Payment Solutions is an Independent Sales Organization (ISO) that connects merchants with acquiring banks, payment processors, and payment technology providers. Akord is not a bank and does not itself process payments. All merchant accounts are issued and underwritten by sponsoring banks and processors, subject to their approval and their own terms.

Website Use

You may use our website for lawful purposes only. You agree not to:

• Use the site in any way that violates applicable law or regulation
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any portion of the site or its systems
• Use automated systems to scrape, harvest, or extract data from the site
• Interfere with or disrupt the site's operation or security
• Impersonate any person or entity

Applications and Approvals

Submitting an application, inquiry, or lead form does not create a contract, guarantee approval, or obligate Akord or any banking partner to provide services. All merchant account applications are subject to underwriting review and approval by the sponsoring bank. Rates, fees, reserve requirements, funding timelines, and other terms are determined during underwriting and may differ from any preliminary information provided.

Any pricing, terms, or program details presented on this website or in preliminary communications are illustrative and non-binding until set forth in a fully executed Merchant Processing Agreement.

Telephone and Email Communications

By providing your telephone number, you consent to receive calls from Akord regarding your inquiry or account, including calls placed using automated dialing technology. By providing your email address, you consent to receive email communications from us. You may opt out of marketing emails at any time using the unsubscribe link, though we may continue to send transactional and account-related messages.

Third-Party Services and Links

Our website links to third-party services and partners, including payment providers, financing partners, and application platforms. Akord may receive compensation when you engage certain partners through links on our site. We are not responsible for the content, terms, privacy practices, or performance of any third-party service. Your use of a third-party service is governed by that provider's own terms.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Akord Payment Solutions or its licensors and is protected by applicable intellectual property law. You may not reproduce, distribute, or create derivative works without our written permission.

Disclaimers

The website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Akord does not warrant that the site will be uninterrupted, error-free, or secure, or that any information on the site is complete, accurate, or current.

Information on this website is provided for general informational purposes and does not constitute legal, financial, tax, or compliance advice. Consult qualified professionals regarding your specific circumstances.

Limitation of Liability

To the fullest extent permitted by law, Akord and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, arising from your use of this website or any services obtained through it.

Indemnification

You agree to indemnify and hold harmless Akord and its officers, employees, and agents from any claims, damages, or expenses arising from your use of the website, your violation of these terms, or your violation of any law or third-party right.

Governing Law

These Terms are governed by the laws of the State of Utah, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the website will be subject to the exclusive jurisdiction of the state and federal courts located in Salt Lake County, Utah.

Changes to These Terms

We may revise these Terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the website after changes are posted constitutes acceptance.

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