The rules of the road for using this website.

By accessing this website you agree to these terms. If you do not agree, please do not use the site.

Nothing on this website constitutes an offer of merchant processing services, an underwriting decision, or a binding rate. Recovery figures and pricing displayed in tools such as the Surcharge Recovery Calculator are illustrative and modeled — not guaranteed. Actual surcharge percentages, eligibility, and program terms are set out in a written merchant services agreement following statement audit, state-eligibility check, and underwriting. Surcharging is not currently permitted in all U.S. states (notably Connecticut and Massachusetts) and is subject to specific disclosure rules in others; eligibility is confirmed before go-live.

Content on this website is informational. It is not legal, tax, accounting, or investment advice. You should consult qualified professional advisors before making decisions about your business.

All copy, design, code, marks, and proprietary content on this website are owned by Apex Financial or used with permission. You may view and print pages for your own non-commercial use. Any other use — reproduction, redistribution, scraping, training of machine learning systems, or commercial reuse — requires prior written permission.

References to third-party processors, gateways, point-of-sale platforms, or card brands are made for descriptive purposes and do not imply endorsement, partnership, or affiliation unless explicitly stated.

This website is provided on an ‘as is’ and ‘as available’ basis. We make reasonable efforts to keep information current and the site available, but we do not warrant that the site will be uninterrupted, error-free, or that the content is complete or up to date.

To the maximum extent permitted by law, Apex Financial disclaims all implied warranties and is not liable for indirect, incidental, special, or consequential damages arising out of your use of this website.

These terms are governed by the laws of the state in which Apex Financial is organized, without regard to conflict of law provisions. The parties consent to the exclusive jurisdiction of the courts located in that state for any dispute arising out of these terms.

Questions about these terms can be sent to legal@apexfinancial.example or to the office address listed in the site footer.