Terms of Service

PLEASE READ THESE TERMS OF SERVICE CAREFULLY.

Last Updated: July 06, 2026

These Terms of Service ("Terms") constitute a legally binding agreement between Quikcent, LLC, a Texas limited liability company ("Quikcent," "Company," "we," "our," or "us"), and each individual or entity that accesses or uses the Services ("you" or "User").

These Terms govern your access to and use of Quikcent's websites, mobile applications, software, application programming interfaces (APIs), payment services, wallet functionality, communications, reporting tools, and all related products and services (collectively, the "Services").

By accessing or using any portion of the Services, you acknowledge that you have read, understand, and agree to be bound by these Terms and all documents incorporated by reference, including the Privacy Policy and any product-specific agreements applicable to your use of the Services.

If you do not agree to these Terms, you may not access or use the Services.

If you accept these Terms on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity, and references to "you" include both the individual accepting these Terms and the legal entity.

1. Definitions

For purposes of these Terms:

Account means an account established to access or use the Services.

Affiliate means any entity that directly or indirectly controls, is controlled by, or is under common control with Quikcent.

Applicable Law means all applicable federal, state, local, tribal, and foreign laws, regulations, rules, guidance, regulatory interpretations, court decisions, payment network requirements, banking requirements, and governmental orders applicable to the Services or the parties.

Authorized User means any individual authorized by an Account owner to access or use the Services.

Chargeback means any reversal, dispute, retrieval request, ACH return, payment reversal, refund, cardholder dispute, representment, arbitration, network assessment, or similar adjustment.

Content means information, data, text, documents, files, images, software, code, communications, reports, or other materials transmitted through the Services.

Financial Partner means any sponsor bank, acquiring institution, issuing institution, payment processor, payment facilitator, settlement bank, gateway provider, financial institution, or similar third party supporting the Services.

Merchant means any business or organization using the Services to receive, transmit, facilitate, manage, or accept payments.

Payment Network Rules means the operating regulations, bylaws, technical specifications, and requirements established by Visa, Mastercard, American Express, Discover, NACHA, FedNow, RTP participants, financial institutions, payment processors, and other applicable payment networks.

Personal Information means information that identifies, relates to, describes, or is reasonably capable of being associated with an identified or identifiable natural person.

Processor means any third party engaged by Quikcent to process payments or provide services supporting payment processing.

Services means all products, services, software, APIs, websites, mobile applications, communications, reporting tools, payment functionality, wallet functionality, and related technology offered by Quikcent.

Wallet means any digital wallet, stored value account, rewards balance, credits, prepaid balance, or similar functionality made available through the Services.

Unless the context clearly requires otherwise, singular words include the plural, plural words include the singular, and the words "including," "includes," and "include" mean "including without limitation."

2. Eligibility

To use the Services, you represent and warrant that:

• You are at least eighteen (18) years of age.
• You possess the legal authority to enter into binding contracts.
• You are not prohibited from using the Services under Applicable Law.
• All information provided to Quikcent is complete, current, and accurate.
• You will promptly update information that becomes inaccurate or incomplete.
• You will comply with these Terms, Applicable Law, Payment Network Rules, and all reasonable operational requirements communicated by Quikcent.

If you establish an Account on behalf of a business, you further represent that you possess authority to bind that business.

Quikcent may approve or deny any application for an Account in its sole discretion, including for compliance, underwriting, fraud prevention, operational, reputational, or business reasons.

3. Account Registration and Security

You agree to maintain complete and accurate Account information throughout your relationship with Quikcent.

Quikcent may require identity verification, business verification, beneficial ownership verification, tax verification, bank account verification, sanctions screening, fraud screening, and other due diligence procedures before activating or continuing Services.

You authorize Quikcent and its service providers to conduct these verification activities whenever reasonably necessary.

You are solely responsible for:

• maintaining the confidentiality of login credentials;
• restricting access to your Account;
• safeguarding authentication devices;
• maintaining commercially reasonable security controls; and
• all activity occurring under your Account.

You shall immediately notify Quikcent upon discovering any unauthorized access, security breach, suspected fraud, or compromise affecting your Account.

Business customers remain responsible for all actions taken by Authorized Users.

Quikcent may suspend access pending investigation of any suspected security incident.

4. Use of the Services

Subject to these Terms, Quikcent grants you a limited, revocable, non-exclusive, non-transferable license to use the Services solely for lawful purposes.

Quikcent may modify, suspend, discontinue, or enhance any portion of the Services at any time.

The Services depend upon third-party Financial Partners and technology providers. Accordingly, Quikcent does not guarantee uninterrupted availability, continuous uptime, successful transaction processing, or availability of every payment rail.

Transactions may be delayed, declined, reversed, suspended, cancelled, or rejected because of:

• fraud prevention;
• compliance reviews;
• sanctions screening;
• insufficient funds;
• Payment Network Rules;
• Financial Partner requirements;
• system maintenance;
• operational issues;
• legal process; or
• Applicable Law.

Quikcent is not liable for delays or interruptions resulting from circumstances outside its reasonable control.

5. Fees, Settlement, and Payment Processing

5.1. Fees

You agree to pay all fees applicable to your use of the Services, including those disclosed through the Services, a pricing schedule, Order Form, Merchant Agreement, or other written agreement between you and Quikcent.

Applicable fees may include:

• transaction processing fees;
• subscription fees;
• platform fees;
• chargeback fees;
• ACH return fees;
• reserve funding obligations;
• instant transfer fees;
• communication fees;
• compliance review fees;
• pass-through Payment Network assessments;
• taxes and governmental charges not based upon Quikcent's net income; and
• any other fees disclosed before they become effective.

Unless otherwise agreed in writing, Quikcent may modify fees upon prior notice. Continued use of the Services following the effective date constitutes acceptance of the revised pricing.

5.2. Payment Processing

Quikcent facilitates payment processing through one or more Financial Partners.

Quikcent is not a bank and does not guarantee:

• approval of any transaction;
• settlement of any transaction;
• availability of any payment rail;
• funding within a specified timeframe;
• uninterrupted processing; or
• acceptance by any financial institution.

Processing decisions may be made by Quikcent, Financial Partners, Payment Networks, issuing banks, acquiring banks, or other third parties.

5.3. Settlement

Settlement schedules communicated by Quikcent are estimates only.

Actual funding depends upon numerous factors, including:

• banking hours;
• weekends and holidays;
• fraud reviews;
• sanctions reviews;
• Payment Network processing schedules;
• ACH processing windows;
• reserve requirements;
• transaction returns;
• operational delays; and
• Financial Partner processing.

Quikcent shall have no liability arising from delays outside its reasonable control.

5.4. Offsets

You authorize Quikcent to deduct amounts owed under these Terms from:

• settlement proceeds;
• Wallet balances;
• reserve balances;
• future payments;
• linked financial accounts;
• reimbursement amounts; or
• other funds lawfully available to Quikcent.

If available funds are insufficient, you agree to immediately reimburse Quikcent upon demand.

6. Compliance, KYC, AML, and Sanctions

Quikcent maintains compliance programs designed to satisfy Applicable Law, Payment Network Rules, Financial Partner requirements, and prudent risk management standards.

Accordingly, you authorize Quikcent and its service providers to conduct identity verification, Know Your Customer (KYC), Know Your Business (KYB), Customer Identification Program (CIP), anti-money laundering (AML), sanctions, fraud, tax, and beneficial ownership reviews before and throughout your relationship with Quikcent.

Quikcent may require you to provide:

• government-issued identification;
• organizational documents;
• beneficial ownership information;
• tax documentation;
• bank account verification;
• financial information;
• licenses;
• business records; and
• any additional documentation reasonably necessary to satisfy legal or contractual obligations.

Failure to provide requested documentation may result in delayed settlements, transaction restrictions, suspension, or termination of the Services.

You represent and warrant that neither you, nor any beneficial owner of your business, is identified on any sanctions or restricted-party list administered by the United States or other applicable governmental authority.

Quikcent may monitor transactions using automated systems, manual review, behavioral analytics, machine learning models, artificial intelligence, sanctions databases, fraud detection systems, and other commercially reasonable methodologies.

Nothing in these Terms limits Quikcent's ability to cooperate with law enforcement, banking regulators, Financial Partners, Payment Networks, or governmental authorities or to file reports required by Applicable Law.

7. Acceptable Use

You may not use the Services for any unlawful, fraudulent, deceptive, or unauthorized purpose.

Without limitation, prohibited activities include:

• money laundering;
• terrorist financing;
• sanctions violations;
• fraud;
• identity theft;
• phishing;
• deceptive marketing;
• counterfeit goods;
• illegal gambling;
• unlawful lending;
• unlawful debt collection;
• ransomware payments prohibited by Applicable Law;
• cryptocurrency mixing services prohibited by Applicable Law;
• shell banks;
• unlicensed money transmission;
• pyramid or Ponzi schemes;
• unlawful charitable solicitations;
• human trafficking;
• child exploitation;
• transactions prohibited by Payment Network Rules; or
• any activity prohibited by Applicable Law.

You shall not interfere with or attempt to circumvent Quikcent's security, fraud prevention, underwriting, transaction monitoring, reserve, settlement, or compliance controls.

Quikcent may investigate suspected violations of these Terms and may suspend transactions, freeze balances, delay settlements, establish reserves, terminate Accounts, or cooperate with governmental authorities whenever Quikcent reasonably determines such action is appropriate.

8. Reserves, Holds, and Risk Management

To protect Quikcent, its Financial Partners, Payment Networks, and customers from actual or anticipated losses, Quikcent may establish reserves or implement other risk controls.

Risk controls may include:

• rolling reserves;
• fixed reserves;
• delayed funding;
• transaction holds;
• settlement delays;
• daily processing limits;
• monthly processing limits;
• velocity controls;
• enhanced monitoring;
• account restrictions; and
• temporary suspension of processing.

Reserve requirements may be based upon:

• fraud risk;
• chargeback exposure;
• processing history;
• complaint history;
• financial condition;
• industry risk;
• underwriting results;
• Payment Network requirements;
• Financial Partner requirements; or
• regulatory obligations.

Reserve balances may be retained for so long as reasonably necessary to satisfy actual or potential liabilities.

Unless required by Applicable Law or agreed otherwise in writing, reserve balances shall not accrue interest.

9. ACH Authorization

You authorize Quikcent, its Affiliates, Financial Partners, and authorized service providers to initiate electronic debit and credit entries through the ACH Network, RTP Network, FedNow Service, wire transfer systems, card networks, and other available payment rails for purposes including:

• settlement;
• fee collection;
• reserve funding;
• refunds;
• reversals;
• chargebacks;
• ACH returns;
• correction of errors;
• duplicate payment corrections;
• reimbursement obligations; and
• other transactions authorized by these Terms.

You represent that you possess authority to authorize debits and credits involving every financial account linked to your Account.

This authorization remains effective until all obligations owed to Quikcent have been fully satisfied, notwithstanding closure of your Account.

10. Security Interest; Setoff; Collection Rights

10.1. Security Interest

To secure payment and performance of all obligations arising under these Terms, you grant Quikcent, to the fullest extent permitted by Applicable Law, a continuing first-priority security interest in:

• reserve balances;
• settlement proceeds;
• Wallet balances;
• payment proceeds;
• receivables arising from transactions processed through the Services;
• reimbursement rights; and
• other funds held by or for Quikcent on your behalf.

You authorize Quikcent to execute and file financing statements and other documents reasonably necessary to perfect or maintain such security interests where permitted by Applicable Law.

10.2. Right of Setoff

Quikcent may offset any amount owed by you against funds otherwise payable to you under these Terms or any other agreement between you and Quikcent.

Exercise of this right does not limit any other legal or equitable remedies available to Quikcent.

10.3. Collection

Amounts not timely paid may accrue interest at the lesser of:

• one and one-half percent (1.5%) per month; or
• the maximum rate permitted by Applicable Law.

You agree to reimburse Quikcent for reasonable costs incurred in collecting amounts owed, including attorneys' fees and collection costs where permitted by Applicable Law.

11. Chargebacks, Returns, Disputes, and Reversals

You are responsible for losses arising from transactions processed through your Account, including:

• chargebacks;
• ACH returns;
• payment reversals;
• refunds;
• retrieval requests;
• unauthorized transactions attributable to your acts or omissions;
• Payment Network assessments;
• processor assessments;
• fraud losses attributable to your business; and
• governmental fines or penalties arising from your activities.

Quikcent may immediately recover such amounts by:

• withholding settlements;
• debiting reserve balances;
• debiting Wallet balances;
• initiating ACH debits;
• offsetting future settlements;
• exercising its security interest;
• exercising its right of setoff; or
• pursuing any other lawful remedy.

Except where prohibited by Applicable Law, determinations made by Payment Networks, Financial Partners, issuing banks, acquiring banks, ACH operators, or Processors concerning transaction disputes shall be binding upon you.

If your Account reflects a negative balance, you agree to immediately reimburse Quikcent upon demand.

12. Merchant Responsibilities

If you use the Services in connection with a business, you represent and warrant that:

• all products and services offered are lawful;
• advertisements are truthful and not misleading;
• all required licenses, registrations, and permits are maintained;
• required consumer disclosures are provided;
• refund policies are clearly disclosed;
• transactions accurately reflect legitimate commercial activity;
• all taxes are properly collected and remitted where applicable;
• your business complies with Applicable Law.

You remain solely responsible for:

• customer service;
• product quality;
• fulfillment;
• warranties;
• refunds;
• marketing claims; and
• disputes between you and your customers.

Quikcent is not a party to any agreement between you and your customers and makes no representation concerning your products or services.

13. Privacy; Confidentiality; Data Security

Your use of the Services is also governed by Quikcent's Privacy Policy, which is incorporated into these Terms by reference.

You acknowledge that Quikcent may collect, use, retain, analyze, disclose, and otherwise process information relating to you and your use of the Services for purposes including:

• providing the Services;
• transaction processing;
• fraud prevention;
• cybersecurity;
• identity verification;
• AML compliance;
• sanctions screening;
• customer support;
• product improvement;
• regulatory compliance;
• dispute resolution;
• risk management; and
• other purposes described in the Privacy Policy.

Quikcent maintains commercially reasonable administrative, technical, and physical safeguards designed to protect information maintained by Quikcent.

No system is completely secure. Accordingly, Quikcent does not guarantee that unauthorized access, cyberattacks, or security incidents will never occur.

Each party agrees to protect the other's Confidential Information using at least reasonable care and to use such information solely as necessary to perform under these Terms or as otherwise permitted by Applicable Law.

Confidential Information does not include information that:

• becomes publicly available without breach of these Terms;
• was lawfully known before disclosure;
• is independently developed; or
• is lawfully obtained from a third party without confidentiality obligations.

14. Communications; Electronic Records; SMS

You consent to receive communications from Quikcent electronically, including by:

• email;
• SMS;
• in-application notifications;
• dashboard notifications;
• telephone;
• automated communications where permitted by Applicable Law; and
• other electronic means.

Quikcent may communicate with you regarding:

• account activity;
• authentication;
• fraud alerts;
• payment confirmations;
• settlement notifications;
• compliance requests;
• service announcements;
• legal notices;
• operational updates; and
• customer support.

By providing a mobile telephone number, you expressly consent to receive transactional text messages relating to your Account and use of the Services.

Such messages may include:

• authentication codes;
• security alerts;
• fraud notifications;
• payment confirmations;
• payment requests;
• Wallet activity;
• payout notifications;
• receipts;
• customer support; and
• account updates.

Message frequency varies.

Message and data rates may apply.

You may reply STOP to discontinue non-essential text messages where supported.

Consent to receive transactional messages is not a condition of purchasing any product or service.

You agree that electronic communications satisfy any legal requirement that such communications be in writing.

15. Intellectual Property

The Services, including all software, APIs, source code, object code, databases, documentation, designs, trademarks, service marks, logos, trade dress, copyrights, patents, trade secrets, and other intellectual property are owned by Quikcent or its licensors.

Except for the limited license expressly granted by these Terms, no ownership rights are transferred to you.

You shall not:

• reverse engineer;
• decompile;
• disassemble;
• modify;
• reproduce;
• distribute;
• create derivative works;
• sublicense;
• sell;
• lease;
• scrape; or
• otherwise exploit the Services except as expressly authorized by Quikcent.

Any suggestions, comments, ideas, or other feedback provided by you regarding the Services may be used by Quikcent without restriction or compensation.

16. User Content

You retain ownership of Content submitted through the Services.

By submitting Content, you grant Quikcent a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to:

• host;
• store;
• process;
• reproduce;
• transmit;
• display;
• analyze;
• archive; and
• otherwise use such Content as reasonably necessary to provide, maintain, secure, improve, and support the Services.

You represent and warrant that:

• you possess all rights necessary to submit such Content;
• the Content does not violate Applicable Law; and
• the Content does not infringe the rights of any third party.

Quikcent may remove or restrict Content that it reasonably believes violates these Terms, Applicable Law, or the rights of any third party.

17. Third-Party Services

Certain Services rely upon or integrate with third parties, including Financial Partners, Payment Networks, cloud service providers, identity verification providers, fraud prevention providers, communications providers, analytics providers, and other vendors.

Quikcent does not own or control these third-party services and is not responsible for:

• their acts or omissions;
• service interruptions;
• processing delays;
• cybersecurity incidents affecting third parties;
• inaccurate third-party information;
• failures of third-party infrastructure; or
• products or services provided directly by third parties.

Your use of third-party products or services may be governed by separate agreements between you and the applicable provider.

Where necessary to comply with contractual or regulatory obligations, Quikcent may impose additional requirements requested by Financial Partners or Payment Networks, including documentation requests, reserves, transaction limits, settlement delays, underwriting requirements, or account restrictions.

18. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUIKCENT DISCLAIMS ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, INCLUDING WARRANTIES OF:

• merchantability;
• fitness for a particular purpose;
• title;
• non-infringement;
• accuracy;
• completeness;
• reliability;
• uninterrupted availability;
• security; and
• error-free operation.

Without limiting the foregoing, Quikcent does not warrant that:

• transactions will be approved;
• payments will settle within any specific timeframe;
• Services will be continuously available;
• software defects will be corrected immediately;
• communications will always be delivered;
• Financial Partners will continue supporting particular payment rails;
• fraud or cybersecurity incidents will never occur; or
• use of the Services will increase revenue or improve business performance.

Nothing contained in these Terms excludes warranties that cannot lawfully be disclaimed.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUIKCENT, ITS AFFILIATES, FINANCIAL PARTNERS, PROCESSORS, LICENSORS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

• indirect damages;
• incidental damages;
• consequential damages;
• special damages;
• exemplary damages;
• punitive damages;
• loss of profits;
• loss of revenue;
• loss of business opportunities;
• loss of goodwill;
• loss of anticipated savings;
• loss of data; or
• business interruption,

REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUIKCENT'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF:

• THE TOTAL FEES PAID TO QUIKCENT DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
• ONE HUNDRED U.S. DOLLARS (US $100.00).

Nothing contained in these Terms limits liability where such limitation is prohibited by Applicable Law.

20. Indemnification

You agree to defend, indemnify, and hold harmless Quikcent, its Affiliates, Financial Partners, Processors, licensors, officers, directors, employees, contractors, and agents from and against all claims, liabilities, damages, losses, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• your use of the Services;
• your violation of these Terms;
• your violation of Applicable Law;
• your negligence or willful misconduct;
• your products or services;
• transactions conducted through your Account;
• your Content;
• infringement of third-party rights; or
• fraud associated with your Account.

Quikcent reserves the right to assume exclusive control of the defense of any matter subject to indemnification, and you agree to cooperate in that defense.

21. Dispute Resolution

The parties agree to attempt in good faith to resolve disputes informally before initiating legal proceedings.

Except where prohibited by Applicable Law, any dispute arising out of or relating to these Terms or the Services shall be resolved exclusively by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.

Unless otherwise required by Applicable Law, arbitration shall occur in Tarrant County, Texas, before a single arbitrator experienced in commercial financial services disputes.

The arbitrator may award any remedy available under Applicable Law but shall have no authority to award relief inconsistent with these Terms.

22. Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• EACH PARTY WAIVES THE RIGHT TO A JURY TRIAL.
• ALL CLAIMS MUST BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY.
• NO PARTY MAY PARTICIPATE AS A CLASS REPRESENTATIVE, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE PROCEEDING.

Users may opt out of this arbitration provision by providing written notice to Quikcent within thirty (30) days after first accepting these Terms.

23. Suspension and Termination

Quikcent may suspend, restrict, freeze, delay, or terminate all or any portion of the Services immediately if Quikcent reasonably determines that such action is necessary because of:

• fraud;
• suspected fraud;
• cybersecurity concerns;
• sanctions concerns;
• violations of Applicable Law;
• violations of these Terms;
• excessive chargebacks;
• excessive returns;
• Financial Partner direction;
• Payment Network requirements;
• legal process;
• regulatory requirements;
• operational risk;
• reputational risk; or
• failure to complete requested verification.

Termination does not relieve either party of obligations arising before termination.

Quikcent may retain records, reserves, settlement funds, and other information for so long as reasonably necessary to satisfy legal, contractual, or operational obligations.

24. Survival

The following provisions survive termination of these Terms:

• Fees;
• Settlement;
• Reserves;
• Security Interests;
• Setoff;
• Chargebacks;
• Intellectual Property;
• User Content Licenses;
• Privacy obligations;
• Confidentiality obligations;
• Indemnification;
• Arbitration;
• Limitation of Liability;
• Governing Law;
• Record Retention; and
• Any provision that by its nature should survive termination.

25. Governing Law

Except to the extent preempted by federal law or otherwise required by Applicable Law, these Terms and any dispute arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

Nothing contained in these Terms limits the application of any mandatory consumer protection law that cannot lawfully be waived.

26. Electronic Records and Signatures

By accessing or using the Services, you consent to:

• receive records electronically;
• receive disclosures electronically;
• execute agreements electronically;
• receive notices electronically;
• use electronic signatures; and
• conduct transactions electronically.

You agree that electronic signatures, records, disclosures, and communications satisfy any legal requirement that such records be in writing or signed.

You are responsible for maintaining:

• internet access;
• compatible hardware;
• compatible software;
• a valid email address;
• current telephone information; and
• sufficient storage capability to retain electronic records.

If you withdraw your consent to receive electronic records, Quikcent may terminate Services that cannot reasonably be provided without electronic communications.

27. Regulatory Compliance

Quikcent operates within a regulated financial services environment.

Accordingly, you acknowledge that Quikcent may take any action reasonably necessary to comply with:

• Applicable Law;
• court orders;
• subpoenas;
• governmental requests;
• regulatory examinations;
• Payment Network Rules;
• Financial Partner requirements;
• Processor requirements; and
• prudent risk management practices.

Such actions may include:

• requesting additional documentation;
• delaying settlements;
• rejecting transactions;
• increasing reserves;
• restricting products;
• suspending Accounts;
• terminating Accounts;
• reporting suspicious activity;
• disclosing information where authorized or required by law; and
• implementing additional operational controls.

Nothing in these Terms limits Quikcent's obligations under the Bank Secrecy Act, anti-money laundering laws, sanctions regulations, or other Applicable Law.

28. Force Majeure

Neither party shall be liable for delays or failures in performance caused by events beyond its reasonable control, including:

• natural disasters;
• severe weather;
• flood;
• earthquake;
• fire;
• epidemic or pandemic;
• war;
• terrorism;
• civil unrest;
• labor disputes;
• utility failures;
• internet outages;
• telecommunications failures;
• cloud provider failures;
• cyberattacks;
• denial-of-service attacks;
• Payment Network outages;
• banking system failures;
• governmental actions;
• changes in Applicable Law; or
• other events beyond the affected party's reasonable control.

The affected party shall use commercially reasonable efforts to resume performance as soon as practicable.

29. General Provisions

Assignment

You may not assign or transfer these Terms without Quikcent's prior written consent.

Quikcent may assign these Terms, in whole or in part, in connection with:

• a merger;
• acquisition;
• corporate reorganization;
• financing transaction;
• sale of assets; or
• operation of law.

Relationship of the Parties

Nothing contained in these Terms creates a partnership, joint venture, fiduciary relationship, employment relationship, agency relationship, or franchise between the parties.

Neither party possesses authority to bind the other except as expressly provided by written agreement.

Independent Contractors

The parties are independent contractors.

No Third-Party Beneficiaries

Except for Quikcent's Affiliates, Financial Partners, licensors, and Processors where expressly provided, these Terms create no rights in favor of any third party.

Waiver

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Any waiver must be in writing and signed by an authorized representative of Quikcent.

Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision shall be modified only to the minimum extent necessary to make it enforceable.

The remaining provisions shall remain in full force and effect.

Interpretation

Headings are provided solely for convenience and shall not affect interpretation.

The words "including," "include," and "includes" mean "including without limitation."

Unless the context requires otherwise:

• singular includes plural;
• plural includes singular;
• references to statutes include amendments and successor provisions; and
• references to one gender include all genders.

These Terms shall not be construed against either party solely because that party participated in their drafting.

Entire Agreement

These Terms, together with the Privacy Policy, Acceptable Use Policy, Merchant Agreement (if applicable), Order Forms, and any documents expressly incorporated by reference, constitute the complete agreement between you and Quikcent regarding the Services.

They supersede all prior proposals, negotiations, discussions, representations, communications, and agreements concerning the subject matter of these Terms.

Changes to these Terms

Quikcent may modify these Terms from time to time.

Unless otherwise required by Applicable Law, revised Terms become effective upon posting or on the effective date identified in the revised Terms.

If a modification materially affects your rights, Quikcent will provide notice using a method it reasonably determines appropriate.

Your continued use of the Services following the effective date constitutes acceptance of the revised Terms.

Contact Information

Quikcent, LLC

Business Address: 3120 Southwest Fwy Ste 101 #496973 Houston, TX 77098

Customer Support: support@quikcent.com

Legal Notices: legal@quikcent.com

Privacy Questions: privacy@quikcent.com

Telephone: +1 (888) 208-4546

Website: http://www.quikcent.com

END OF TERMS OF SERVICE