TERMS AND CONDITIONS
Please read these Terms and Conditions (the "Terms") carefully before using isoagent-program.com (the "Website") and before applying to or participating in any programs operated by 1st Financial Merchant Group, LLC ("Company," "we," "us," or "our"). By accessing or using the Website, submitting an application, or participating in our program as an ISO/Agent, you agree to be bound by these Terms. If you do not agree, do not use the Website or the program.
INTERPRETATION AND DEFINITIONS
INTERPRETATION
Words with initial capital letters have meanings defined below. These definitions apply whether they appear in singular or plural.
DEFINITION
Account means a unique account created for you to access parts of the Website or program (if enabled).
Agent or ISO/Agent means an independent sales organization, agent, or partner participating in the Company’s referral or reseller program.
Content means text, images, documents, data, or other material posted, uploaded, or otherwise made available on or through the Website or provided to the Company.
Processor/Acquirer means a third‑party financial institution or processor that underwrites, approves, and provides merchant processing services.
Program means the Company’s ISO/Agent or referral program described on the Website and any related materials, portals, and communications.
Service means the Website and the information, tools, and features we provide, including application forms and document upload features.
Third‑Party Service means any website, application, or service not owned or controlled by the Company (e.g., processors, identity verification, e‑signature, CRM and payment platforms).
You means the individual accessing the Website or applying to/participating in the Program, or the company or other legal entity on whose behalf that individual acts.
ACKNOWLEDGEMENT
These Terms govern your use of the Website and participation in the Program, and form a binding agreement between you and the Company. Your access and use are also conditioned on your acceptance of our Privacy Policy posted on the Website. If you are accessing the Website or Program on behalf of a business, you represent that you have authority to bind that business to these Terms.
INTELLECTUAL PROPERTY
The Website, Program materials, and all related intellectual property are owned by the Company or its licensors. Subject to these Terms and the Agent Agreement, the Company grants you a limited, revocable, non‑exclusive, non‑transferable right to access and use Program materials solely to market the Company’s services during your participation. You may not copy, modify, distribute, reverse engineer, or create derivative works except as expressly permitted in writing.
PROHIBITED USES
You agree not to use the Website:
in any way that violates applicable law;
for the purpose of exploiting, harming, or attempting to exploit or harm others;
to transmit, or procure the sending of, any advertising or promotional material without our prior written consent;
to impersonate or attempt to impersonate the Company or any person or entity; or
to engage in any conduct that restricts or inhibits anyone's use of the Website, or that may harm the Company or users of the Website. You also agree not to:
disable, overburden, damage, or impair the Website;
use any robot, spider, or other automatic device, process, or means to access the Website for any purpose; or
introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
ELIGIBILITY; APPLICATIONS AND ONBOARDING
Participation is subject to eligibility, due diligence, and approval by the Company and any applicable Processor/Acquirer.
You agree to provide accurate, complete, and current information in your application and during onboarding, and to promptly update information that changes.
The Company may conduct background, identity, credit, sanctions/PEP, and compliance checks (directly or via Third‑Party Services) as part of onboarding and ongoing monitoring.
Submitting an application does not guarantee acceptance.
INDEPENDENT CONTRACTOR; NO AGENCY
You are an independent contractor, not the Company’s employee, partner, joint venture, or legal representative. You have no authority to bind the Company or make representations or warranties on its behalf. You must not hold yourself out as having such authority.
MARKETING AND COMPLIANCE
You must comply with all applicable laws and rules, including but not limited to TCPA, CAN‑SPAM, UDAAP, FTC guidelines, state consumer protection laws, privacy/data protection laws, and any rules of Processors/Acquirers.
All marketing materials referencing the Company or its partners must be truthful, not misleading, and (where required) pre‑approved in writing by the Company.
You must not make statements about rates, savings, or approvals that are unsubstantiated or that conflict with Company or Processor guidelines.
MERCHANT LEADS; SUBMISSIONS
You represent that each merchant lead you submit has provided all required consents for outreach and data sharing.
You will not submit cardholder primary account numbers (PANs), magnetic‑stripe data, or CVV/CVC, and you will ensure merchant materials are transmitted through secure channels approved by the Company.
Lead ownership, exclusivity, and related rules (if any) will be governed by the Agent Agreement (defined below).
CONFIDENTIALITY
You may receive or access confidential information of the Company, Processors, and merchants. You will protect such information using reasonable safeguards and use it solely to perform under the Program.
You must implement administrative, technical, and physical safeguards appropriate for the nature of the data you handle and comply with applicable privacy and data protection laws.
Payment card data (PAN, track data, CVV/CVC) must never be collected, stored, or transmitted by you unless specifically permitted and in full compliance with PCI DSS and Processor instructions.
