Terms of Service

1. Introduction

Welcome to Cheap FedNow [Cheap FedNow is a website owned by Today Payments, Inc.] ("Company", "we", "our", "us"). These Terms of Service ("Terms") govern your use of our payment processing services provided via the FedNow Service and our website (collectively, the "Services"). By using our Services, you agree to these Terms. If you do not agree, do not use our Services.

2. Eligibility

You must be at least 18 years old and capable of entering into a legally binding agreement to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

To use certain features of our Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

4. Use of Services

Permitted Use: You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation.
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent.

Prohibited Use: You agree not to:

• Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Services.
• Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

5. Payment Processing

FedNow Service: Our payment processing services use the FedNow Service to facilitate instant payments. By using our Services, you agree to comply with all applicable rules and regulations of the Federal Reserve and FedNow.

Transaction Limits: We may impose limits on the amount and frequency of transactions you can perform using our Services. These limits may be adjusted from time to time at our discretion.

Fees: We may charge fees for certain transactions or Services. All fees will be disclosed to you prior to initiating a transaction. You are responsible for paying all applicable fees.

6. User Conduct

You agree to use our Services in a manner consistent with all applicable laws and regulations. You will not engage in any activity that could harm the reputation or operations of the Company or the FedNow Service.

7. Intellectual Property

Ownership: All content, features, and functionality of the Services (including but not limited to text, graphics, logos, icons, images, audio clips, video clips, and software) are the exclusive property of the Company or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

License: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal or internal business use.

8. Data Privacy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information.

9. Termination

Termination by You: You may terminate your account at any time by contacting us at Legal@TodayPayments.com . Upon termination, you must cease all use of the Services.

Termination by Us: We may terminate or suspend your account and access to the Services at our sole discretion, without notice or liability, for any reason, including if we believe you have violated these Terms.

10. Disclaimers

Warranty Disclaimer: The Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.