Terms of Service
Last updated: October 19, 2025
1. Acceptance of Terms
By accessing and using zeropointpay.com (the "Website"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website or services.
2. Services Description
ZeroPointPay provides information and consultation services for cash discount payment processing programs using Clover POS systems. Our services help businesses implement compliant cash discount programs to offset credit card processing costs.
3. No Guarantees
While we provide savings estimates based on typical processing rates, actual savings will vary based on your specific:
- Transaction volume and patterns
- Customer payment preferences
- Business type and industry
- Current processing agreements
- Applicable state and local regulations
Past performance and estimates do not guarantee future results.
4. Compliance Responsibility
Important: While we assist with implementing compliant cash discount programs, ultimate responsibility for compliance with all applicable federal, state, and local laws, as well as card network rules (Visa, Mastercard, American Express, Discover), rests with you, the merchant.
You are responsible for:
- Displaying required signage
- Proper disclosure on receipts
- Following state-specific regulations
- Adhering to card network rules
- Staying current with regulatory changes
See our Compliance Page for more information.
5. Intellectual Property
All content on this Website, including text, graphics, logos, and software, is the property of ZeroPointPay or its content suppliers and is protected by copyright and other intellectual property laws.
6. Limitation of Liability
To the fullest extent permitted by law, ZeroPointPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.
7. Third-Party Services
Our services involve Clover POS systems and other third-party payment processors. We are not responsible for the performance, terms, or policies of these third parties. Your use of such services is subject to their respective terms and conditions.
8. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes constitutes acceptance of the modified terms.
9. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
10. Consent to Receive SMS Messages
By opting into our SMS service for our Credit Card Processing, you agree to receive appointment reminder and confirmation texts from ZeroPointPay. These messages will assist you in managing your appointments with us. You must be 18 years or older to opt into this service.
Right to Cancel
You have the right to cancel the SMS service at any time. To unsubscribe, reply with the text "STOP" to the phone number provided. Once we receive your "STOP" request, we will send you an SMS confirming your unsubscribe status. After the confirmation, you will no longer receive any SMS messages from us.
Rejoining the Service
If you wish to rejoin the service after unsubscribing, you can sign up again using the same process, and we will resume sending appointment reminder and confirmation texts to you.
Getting Help
In the event that you experience any issues with our messaging program, you may reply with the keyword "HELP" to receive further assistance. Alternatively, you can reach out directly to our support email at info@zeropointpay.com or contact our number listed on our website for immediate support.
Carrier Liability & Message Delivery
Please note that carriers are not liable for any delayed or undelivered messages. Additionally, standard message and data rates may apply for both incoming and outgoing messages between us and you.
Message Frequency
The frequency of messages you will receive is periodic, based on your interactions with the business. If you have any questions regarding your text plan or data plan, we recommend contacting your wireless provider for more information.
11. Contact Information
For questions about these Terms of Service or our SMS service, please contact us: