Last updated: March 1, 2026
By accessing or using the Holistic Payments & Financing website ("holisticpayments.io") and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our website or services.
Holistic Payments & Financing provides payment processing consultation and merchant account placement services for businesses in specialized industries, including but not limited to peptides, kratom, forex and prop trading, CBD and cannabis, and high-ticket service businesses.
We act as an intermediary between merchants and acquiring banks or payment processors. We do not directly process payments, hold funds, or act as a bank or financial institution.
To use our services, you must be at least 18 years old and legally authorized to operate a business in your jurisdiction. By submitting an application, you represent that the information you provide is accurate and that your business operates in compliance with applicable laws and regulations.
Submitting an intake form through our website does not guarantee approval for payment processing. All applications are subject to underwriting review by our acquiring bank partners. We reserve the right to decline any application for any reason.
You agree to provide truthful, complete, and current information during the application process. Providing false or misleading information may result in immediate termination of services.
Processing rates, reserve requirements, and approval terms referenced on our website are estimates based on typical placements. Actual rates and terms are determined by the acquiring bank or processor and may vary based on your business profile, risk assessment, processing history, and other factors.
All content on this website, including text, graphics, logos, and design elements, is the property of Holistic Payments & Financing and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.
When using our services, you agree to:
Holistic Payments & Financing is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or services. This includes, without limitation, damages related to processing account denials, delays, fund holds, chargebacks, or processor terminations.
Our services are provided "as is" without warranties of any kind, express or implied.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Your interactions with third-party services are governed by their respective terms.
You agree to indemnify and hold harmless Holistic Payments & Financing, its owners, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services, your violation of these terms, or your violation of any applicable law.
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice.
These terms are governed by the laws of the State of Utah, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Utah.
We may update these Terms of Service at any time. Changes take effect immediately upon posting to the website. Continued use of the site after changes constitutes acceptance of the updated terms.
If you have questions about these Terms of Service, contact us at tovesblake@gmail.com.