Terms of Service

Last Updated: July 2026

These Terms of Service ("Terms") govern your access to and use of POS Index ("POS Index," "we," "us," or "our"), including our website, app, software, tools, catalog, CRM features, AI features, team features, and related services (collectively, the "Service").

By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must:

  • Be at least the age of majority in your jurisdiction;
  • Have the legal authority to agree to these Terms;
  • Use the Service only for lawful professional or business purposes.

POS Index is intended for payment professionals, merchant services representatives, ISOs, sales teams, business owners, and other users evaluating or managing payment-related workflows.

2. Accounts and Security

You may need to create an account to access certain features.

You agree to:

  • Provide accurate and current account information;
  • Keep your login credentials secure;
  • Notify us at support@posindex.org if you suspect unauthorized access;
  • Be responsible for activity that occurs under your account.

We may suspend, restrict, or terminate accounts if we believe there has been a violation of these Terms, misuse of the Service, security risk, payment issue, or unlawful activity.

3. Service Overview

POS Index provides tools for payment professionals and teams, including:

  • Merchant CRM and merchant profile management;
  • Device, POS, and payment gateway catalog access;
  • Device comparison tools;
  • Matcher tools for equipment and workflow recommendations;
  • Calendar, tasks, follow-ups, and to-do tools;
  • Residual and merchant volume tracking;
  • Mileage tracking;
  • Payment-specific AI assistance;
  • Saved AI chats for eligible users;
  • Scripts, outreach, and proposal generation;
  • PDF exports and reports for eligible users;
  • Roleplay and sales training tools;
  • Team Access features, including shared merchant records, team pipeline visibility, team members, team goals, collaboration tools, admin controls, and seat management.

We may add, modify, limit, suspend, or remove features at any time. Some features may be experimental, incomplete, unavailable, or changed as the product develops.

POS Index does not sell merchant accounts, act as a payment processor, underwrite merchants, provide legal advice, or guarantee approval with any processor, bank, gateway, platform, or equipment provider.

The Service may allow you to upload and store merchant-related documents, such as merchant statements, processing statements, applications, agreements, contracts, quotes, proposals, equipment documents, and screenshots. You are responsible for ensuring you have the right to upload and store these documents and for avoiding the upload of unnecessary sensitive information.

4. Plans, Billing, Trials, and Subscriptions

4.1 Plan Types

POS Index may offer several plans, including but not limited to:

Free Plan

The Free plan includes limited access to selected features, such as browsing the catalog, basic AI usage, limited matcher usage, limited merchant records, and limited tasks or follow-ups.

Pro Plan

The Pro plan is an individual subscription intended for one user. It may include expanded or unlimited individual access to merchant CRM features, calendar and follow-ups, residual tracking, mileage tracking, AI tools, saved chats, scripts, outreach tools, proposal generation, exports, reports, and roleplay training.

Team Access

Team Access is intended for ISOs, sales teams, and organizations that need shared merchant records, team pipeline visibility, team members, team goals, shared follow-ups, admin controls, seat management, and related team workflow features.

Team Access may include a set number of seats, with additional seats billed separately according to the pricing shown at checkout or in your billing settings.

4.2 Billing and Payment Processing

Payments are processed by third-party payment providers such as Stripe. By purchasing a paid plan, you authorize us and our payment processor to charge your selected payment method for recurring subscription fees, applicable taxes, additional seats, upgrades, and other charges associated with your plan.

You are responsible for keeping your billing information accurate and up to date.

4.3 Free Trials

Some paid plans may include a free trial. If a plan includes a trial, the trial length and billing terms will be shown at checkout.

Unless you cancel before the trial ends, your subscription will automatically convert to a paid plan and your payment method will be charged according to the selected plan.

4.4 Renewals

Paid subscriptions renew automatically unless canceled before the next billing period.

Subscription pricing, billing intervals, included features, seat limits, and plan terms are shown at checkout, in your account, or in your billing settings.

4.5 Upgrades, Downgrades, and Seat Changes

You may be able to upgrade, downgrade, or change seats depending on your current plan and available billing options.

Team Access seat changes may affect your recurring subscription amount. Additional users beyond the included seat count may be billed at the additional seat rate shown in your billing settings or checkout.

Plan changes may take effect immediately, at the end of the billing period, or according to the billing behavior shown at the time of change.

4.6 Cancellations

You may cancel your subscription through the billing portal or by following the account billing instructions provided in the Service.

Cancellation may end access to paid features at the end of the current billing period or according to the cancellation terms shown in your billing portal.

If a Team Access subscription is canceled, inactive, unpaid, expired, or otherwise not in good standing, team features may be locked or restricted. Team data may be retained for a period of time unless deleted according to our policies, legal obligations, or product settings.

4.7 Refunds

Payments are generally non-refundable unless required by law or expressly stated otherwise. We may consider refund requests at our discretion.

5. Team Access, Roles, and Shared Data

If you use Team Access, your organization or team may have roles such as Owner, Admin, Agent, or other role types.

Team Owners and Admins may be able to:

  • Invite or remove team members;
  • Manage seats;
  • View team pipeline data;
  • Access shared merchant records;
  • Assign or manage team follow-ups;
  • Set team goals;
  • View team performance metrics;
  • Manage certain team settings.

Team members may be able to view or edit merchant records, notes, follow-ups, tasks, pipeline stages, residual information, and other shared team data depending on their role and permissions.

If you add merchant records to a Team Workspace, those records may become visible to other authorized team members. If you invite another team member to collaborate on a merchant, that person may be able to view and work on that merchant according to team permissions.

You are responsible for ensuring that your team members are authorized to access the merchant, business, sales, residual, and account information you add to POS Index.

6. User Content and Merchant Data

"User Content" means information you or your team submit to the Service, including merchant records, notes, tasks, follow-ups, files, account information, sales activity, residual estimates, messages, prompts, and other content.

You retain ownership of your User Content.

You grant POS Index a limited license to host, store, process, transmit, display, and use your User Content as needed to operate, maintain, improve, secure, and provide the Service.

You are responsible for:

  • The accuracy of the content you submit;
  • Having the right to submit and share that content;
  • Ensuring your use of the Service complies with applicable laws, contracts, confidentiality obligations, and company policies.

Do not upload or store highly sensitive information in POS Index unless the Service specifically supports it and you have the legal right to do so. This includes, but is not limited to:

  • Full payment card numbers;
  • Social Security numbers;
  • Bank login credentials;
  • Protected health information;
  • Government identification numbers;
  • Passwords;
  • Sensitive personal data not needed for merchant workflow management.

7. AI Features and Automation Disclaimer

POS Index may include AI-powered tools for merchant conversation prep, device and gateway questions, scripts, outreach, proposals, objection handling, CRM organization, summaries, and other workflow support.

AI outputs may be inaccurate, incomplete, outdated, or inappropriate for your specific situation.

You are solely responsible for reviewing and verifying AI-generated content before relying on it, sending it to merchants, using it in proposals, making business decisions, or presenting it to clients.

POS Index does not guarantee:

  • The accuracy of AI outputs;
  • The accuracy of device, POS, or gateway recommendations;
  • Merchant approval;
  • Processor compatibility;
  • Legal, underwriting, tax, compliance, or financial outcomes;
  • That AI-generated scripts, proposals, or recommendations will result in sales, approvals, or revenue.

AI tools are provided for assistance only. They do not replace professional judgment, processor documentation, underwriting review, legal advice, or direct confirmation from manufacturers, gateways, processors, or other third parties.

8. Residuals, Forecasting, and Business Metrics

POS Index may include residual tracking, merchant volume tracking, pipeline forecasting, account value estimates, goals, leaderboards, and performance metrics.

These tools are for organizational and informational purposes only.

Any residual estimates, forecasts, projections, pipeline values, performance scores, health scores, or similar metrics are not guarantees of revenue, commissions, processing volume, merchant retention, or future results.

You are responsible for verifying all financial, residual, commission, and merchant account information before relying on it.

9. Acceptable Use

You agree not to:

  • Use the Service for illegal, fraudulent, abusive, or harmful purposes;
  • Upload unlawful, misleading, defamatory, harmful, or infringing content;
  • Upload sensitive personal, payment, financial, or regulated data that the Service is not designed to store;
  • Abuse AI tools to generate spam, harassment, deceptive claims, or unlawful content;
  • Scrape, copy, harvest, or reproduce the catalog or data in bulk;
  • Reverse engineer, interfere with, or attempt to access non-public parts of the Service;
  • Attempt to access another user's account, team, merchant data, or billing information without authorization;
  • Use POS Index to build, train, or support a competing product using our catalog structure, content, UI, workflows, or proprietary materials;
  • Circumvent plan limits, subscription restrictions, seat limits, or access controls;
  • Misrepresent your affiliation with POS Index or any third-party brand, processor, gateway, manufacturer, or platform.

Violation of this section may result in suspension or termination.

10. Intellectual Property

10.1 POS Index Content

The Service, including software, interface, design, workflows, catalog structure, branding, text, graphics, tools, prompts, documentation, and other materials, is owned by POS Index or our licensors.

You may not:

  • Reverse engineer the Service;
  • Copy or resell the Service;
  • Sublicense access;
  • Reproduce our catalog or content in bulk;
  • Remove copyright, trademark, or proprietary notices;
  • Use our intellectual property to create a competing service.

10.2 Third-Party Trademarks

All third-party product names, company names, trademarks, logos, and brands appearing in POS Index belong to their respective owners.

POS Index is independent and is not affiliated with, endorsed by, sponsored by, or officially connected to any third-party manufacturer, processor, gateway, POS provider, hardware company, financial institution, or platform unless expressly stated.

Use of third-party names is for identification, comparison, reference, and nominative fair use only.

10.3 Feedback

If you provide suggestions, ideas, feedback, bug reports, or feature requests, you grant POS Index the right to use them without restriction or compensation.

11. Third-Party Services

The Service may integrate with or link to third-party services, including payment processors, authentication providers, analytics tools, email tools, hosting providers, and other vendors.

Your use of third-party services may be governed by their own terms and policies.

We are not responsible for third-party services, websites, software, data, downtime, errors, billing systems, or actions.

12. Privacy

Your use of the Service is also governed by our Privacy Policy.

The Privacy Policy explains how we collect, use, store, and share information. By using POS Index, you agree to the data practices described in our Privacy Policy.

13. Service Availability and Changes

We may update, change, suspend, discontinue, or limit any part of the Service at any time.

We do not guarantee that the Service will be uninterrupted, error-free, secure, or available at all times.

We may perform maintenance, release updates, change features, adjust limits, or modify plan access as needed.

14. Disclaimers

The Service is provided "as is" and "as available."

To the fullest extent permitted by law, POS Index disclaims all warranties, express or implied, including but not limited to:

  • Merchantability;
  • Fitness for a particular purpose;
  • Non-infringement;
  • Accuracy;
  • Reliability;
  • Availability;
  • Error-free operation;
  • Accuracy of catalog information;
  • Accuracy of AI outputs;
  • Accuracy of residual, volume, or forecasting tools;
  • Compatibility with any specific processor, gateway, POS system, terminal, device, merchant account, or business type.

You use the Service at your own risk.

15. Limitation of Liability

To the fullest extent permitted by law, POS Index and its owners, employees, contractors, affiliates, vendors, and licensors will not be liable for:

  • Indirect, incidental, special, consequential, exemplary, or punitive damages;
  • Lost profits;
  • Lost revenue;
  • Lost data;
  • Lost business opportunities;
  • Merchant loss;
  • Failed sales;
  • Failed underwriting or approvals;
  • Processor, gateway, or hardware incompatibility;
  • Reliance on AI-generated output;
  • Downtime, errors, or service interruptions.

Our total liability for any claim will not exceed the amount you paid to POS Index in the three months before the claim arose, or $50 if you used only the Free plan.

Some jurisdictions do not allow certain limitations, so some limits may not apply to you.

16. Indemnification

You agree to defend, indemnify, and hold harmless POS Index from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from:

  • Your use of the Service;
  • Your User Content;
  • Your violation of these Terms;
  • Your violation of any law or third-party right;
  • Your misuse of merchant, customer, team, or business data;
  • Your use of AI-generated outputs with merchants, clients, prospects, or third parties.

17. Termination

We may suspend or terminate your access to the Service if:

  • You violate these Terms;
  • You misuse the Service;
  • Your subscription is unpaid, canceled, expired, or disputed;
  • Your use creates legal, security, operational, or reputational risk;
  • We are required to do so by law;
  • We discontinue the Service.

Upon termination, your right to use the Service ends. We may retain certain data as required for legal, billing, security, fraud prevention, backup, or operational purposes.

18. Changes to These Terms

We may update these Terms from time to time.

If we make material changes, we may notify you by posting the updated Terms, sending an email, or providing notice in the Service.

Your continued use of POS Index after the updated Terms become effective means you accept the updated Terms.

19. Governing Law and Venue

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or the Service must be brought in the state or federal courts located in Illinois, unless applicable law requires otherwise.

20. Contact

POS Index
Email: support@posindex.org