Terms of Engagement

01 // Nature of Services — What We Are and Are Not

MEnterprise Firm Inc., operating as MeF’d Up and SovereignStack, is a software company and registered ISO referral agent. We are not a payment processor, acquiring bank, money transmitter, or financial institution.

Our services include: merchant account referral to acquiring banks and ISO partners, hosted payment infrastructure (AltPay Rails), compliance scanning, regulatory monitoring, and custom technology builds. When we refer a merchant to a processor, we act as an independent agent — the contractual relationship for payment processing is between the merchant and the processor, not with MEnterprise Firm Inc.

02 // No Guarantee of Approval

Submitting a merchant application through apply.mefdup.com does not guarantee approval for a merchant account. Approval decisions are made exclusively by the acquiring bank or ISO partner to which your application is submitted. We review applications for completeness and compliance before submission, but we have no authority to approve or deny merchant accounts on behalf of any bank or processor.

Factors including but not limited to credit history, processing history, chargeback ratios, business type, and geographic location may affect approval outcomes. We will communicate the outcome of your application as received from the processor.

03 // Merchant Compliance Responsibility

You are solely responsible for ensuring your business, website, and operations comply with all applicable federal, state, and local laws — including but not limited to regulations governing the sale of kratom, hemp, CBD, firearms, supplements, nicotine products, cannabis, and any other regulated product or service.

Our compliance scanning tools identify common deficiencies relative to processor underwriting standards. A passing scan score does not constitute legal advice, regulatory approval, or a guarantee that your merchant account will not be terminated. We are technology operators, not attorneys. For legal compliance questions, consult qualified legal counsel in your jurisdiction.

Merchant representations made in the application — including business type, processing volume, product descriptions, and ownership information — must be accurate and complete. Misrepresentation may result in immediate termination of services and referral to the processor for review.

04 // Document Handling & Data Security

Merchant applications submitted through apply.mefdup.com may contain sensitive personal and financial information including government-issued identification, bank account details, Social Security numbers, and processing history. We handle this information as follows:

• Documents are stored in encrypted, access-controlled cloud storage (Supabase)
• Bank routing and account numbers are masked in all internal records
• ISO packages transmitted to processors are encrypted with AES-256 encryption
• Signed applications are locked upon submission and cannot be altered
• Document access is logged with timestamp and IP address
• We do not sell, share, or distribute your information to any party other than the processor to which your application is submitted

By submitting an application, you authorize MEnterprise Firm Inc. to transmit your application materials to acquiring banks and ISO partners for the purpose of merchant account underwriting.

05 // Payment for Services

Fees for technology services (AltPay Rails, compliance scanning, custom builds, WooCommerce setup) are due as specified at the time of purchase. Recurring monthly fees are billed on the same date each month.

ISO referral services carry no upfront fee. Compensation for merchant account referrals is received as residual income from the processor, funded by the merchant’s processing activity. This structure is disclosed here in full.

Unpaid invoices for technology services may result in suspension of hosted services (AltPay Rails embed, compliance monitoring) until payment is received. We will provide seven days written notice before any service suspension.

06 // Ownership of Deliverables

Custom-built technology assets (websites, WooCommerce installations, custom applications) delivered as part of a one-time build engagement become the sole property of the client upon receipt of full payment. This includes all code, configurations, and associated credentials.

Hosted services operate differently. AltPay Rails, the merchant intake system, and compliance scanning are hosted products. You receive access to these systems for the duration of your subscription — the underlying infrastructure remains the property of MEnterprise Firm Inc. Your merchant configuration data, transaction records, and application data remain yours and can be exported upon request.

07 // Limitation of Liability

MEnterprise Firm Inc. shall not be liable for: merchant account terminations by processors or banks; losses arising from payment processor decisions; regulatory actions against your business or products; losses resulting from chargeback disputes; or service interruptions caused by third-party infrastructure providers.

In no event shall our total liability to any party exceed the total fees paid to MEnterprise Firm Inc. in the three months preceding the claim. This limitation applies to all claims whether based in contract, tort, or otherwise.

08 // Termination

Either party may terminate a service engagement with 30 days written notice. We reserve the right to terminate services immediately and without notice if: a merchant provides materially false information in an application; a merchant’s account exceeds processor chargeback thresholds due to merchant conduct; or a merchant uses our infrastructure to facilitate activity that is illegal under applicable law.

Upon termination, all merchant data is retained for 90 days and then purged unless a written request for export is received before that period ends.

09 // Governing Law & Disputes

These terms are governed by the laws of the State of Ohio. Any dispute arising from these terms or the services described herein shall be resolved by binding arbitration in Trumbull County, Ohio, in accordance with applicable arbitration rules. Class action participation is waived.

10 // Updates to These Terms

We may update these terms as our services evolve. Material changes will be communicated by email to active clients. Continued use of our services after notice of changes constitutes acceptance of the updated terms. The current version of these terms is always available at mefdup.com/terms.