Terms of service

By accessing or using the services provided by A&A Finance of Columbus, Inc. ("A&A Finance," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. We may update these terms from time to time. We will notify you of material changes by posting the updated terms on our website with a revised effective date. Your continued use of our services after any changes constitutes your acceptance of the new terms.

A&A Finance of Columbus, Inc. is a licensed financial services company that facilitates secure payment transactions between buyers and sellers for small businesses. Our services include: • Secure payment processing for credit cards, debit cards, Venmo, PayPal, and Cash App transactions • Payment request generation and delivery for small business merchants • Transaction recordkeeping and confirmation for both buyers and sellers • Customer support for payment-related inquiries We act as a payment facilitator and do not take ownership of any funds during the payment process. Our role is to ensure the secure and accurate transfer of funds between parties.

Business accounts require registration with accurate, current, and complete information. You are responsible for: • Maintaining the confidentiality of your account credentials • All activity that occurs under your account • Notifying us immediately of any unauthorized account access Guest users (buyers making one-time payments) are not required to create an account but are still subject to these terms during their transaction. We reserve the right to suspend or terminate accounts that violate these terms or that we believe may be engaged in fraudulent or deceptive activity.

When you use our services to make or receive a payment, you agree that: • All payment information you provide is accurate and belongs to you or your authorized business • You authorize the transaction amount displayed at the time of confirmation • Nothing will be charged or transferred without your explicit authorization • Transaction fees, if applicable, are disclosed before you confirm the payment We use industry-standard security protocols including PCI DSS Level 1 certification and 256-bit SSL encryption to protect all payment data. We do not store complete card numbers or CVV information at any time. Buyers: You will receive a full transaction confirmation immediately after payment is complete. This confirmation is your receipt and serves as proof of payment. Merchants: Funds are settled to your designated account according to the settlement schedule associated with your payment method. Settlement timelines are displayed in your merchant dashboard.

Refund eligibility is determined on a case-by-case basis and depends on the nature of the transaction and the agreement between buyer and seller. Buyers who believe a transaction was unauthorized or processed in error should contact us at [email protected] or call (614) 555-0180 within 60 days of the transaction date. We will investigate all disputes promptly and work with both parties to reach a fair resolution. For transactions funded by card, standard chargeback rights apply through your card issuer. We are not responsible for disputes arising from the quality of goods or services exchanged between buyer and seller. Those matters are between you and the other party.

You may not use our services for: • Any unlawful purpose or in violation of any applicable law or regulation • Fraudulent transactions or misrepresentation of your identity or business • Transactions involving illegal goods or services • Money laundering or any activity that violates anti-money-laundering laws • Transmitting unsolicited communications or spam • Attempting to gain unauthorized access to our systems We reserve the right to refuse service, terminate accounts, and report suspicious activity to the appropriate authorities when we have reasonable grounds to believe these prohibitions are being violated.

To the maximum extent permitted by applicable law, A&A Finance of Columbus, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or in connection with your use of our services. Our total liability to you for any claims arising from your use of our services shall not exceed the fees you paid to us in the twelve months preceding the claim. Nothing in these terms limits our liability for fraud, gross negligence, or willful misconduct, or any liability that cannot be excluded by law.

Your use of our services is also governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you agree to our collection and use of your information as described in the Privacy Policy.

These terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts of Franklin County, Ohio. If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

If you have questions about these Terms of Service, please contact us: A&A Finance of Columbus, Inc. Columbus, Ohio 43215 Email: [email protected] Phone: (614) 555-0180 Hours: Monday – Friday, 9:00 AM – 6:00 PM Eastern