ePayPolicy Customer Terms of Service

Last Updated Date: June 3, 2026

Arbitration Notice: Section 34 of these Terms contains a binding arbitration provision. By agreeing to these Terms, you agree that all disputes will be resolved through arbitration on an individual basis. You waive the right to participate in any class actions, class-wide arbitrations, or pursue claims in court, including the right to a jury trial.

These ePayPolicy Terms of Service (the “Agreement” or these “Terms”) are a binding contract between the Customer (as defined below) and ePayPolicy and its Affiliates (collectively, “epay3,” “ePayPolicy,” “we,” “our,” or “us”). By using our Services, you acknowledge and agree that these Terms also include, by incorporation, the following terms and policies: Privacy Policy, and Acceptable Use Policy. These Terms govern the use of our “Platform,” which refers to the integrated system, including software, algorithms, hosted services, web interfaces, and other components, available at our Website, through which we offer our Services.

You may choose to add additional features or services offered through ePayPolicy to your User Account (“Additional Services”). These Additional Services may be subject to different or additional terms, which will require you to sign an amendment to your existing agreement. Unless otherwise agreed, these Terms will continue to apply to your use of the Services. Additionally, other terms and conditions may apply to sweepstakes, promotions, referrals, and similar offers. Participation in these events constitutes acceptance of any additional terms, which will be provided at the time of entry.

“Customer,” “you,” and “your” refers to the business organization listed on the service sign-up page that has been approved for use of the Services and has accepted these Terms. These terms also apply to Customer’s employees, agents, contractors, representatives and delegates that access or use the Services. If you are accepting this Agreement on behalf of the Customer (e.g. in your capacity as agent or authorized representative of the Customer), you represent that you have the authority to bind the Customer to this Agreement and that the Customer accepts this Agreement. You represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. To use our Services, you must agree to all the terms in the Agreement. If you do not agree to these Terms, do not sign up for our Services or use our Website, as signing up or accessing the Website indicates that you have read, understand, and accept all of the terms and conditions contained in the Agreement, including our Privacy Policy and Acceptable Use Policy.

Any of your clients, such as a business paying for an insurance policy or receiving a payment from you, who has been invited to use our Platform is referred to herein as a “Client”.

To provide our Services, we enter into agreements with third parties that provide payment-related services. These third parties include but are not limited to Payment Networks, banks, payment processors, and other third parties (individually, a “Third Party” and, collectively, “Third Parties”). Third Parties also include each Originating Depository Financial Institution (as defined by the NACHA Operating Rules and Guidelines (the “NACHA Rules”)) we use when providing the ACH Services. We may add or remove Third Parties at any time and at our sole discretion. Third Parties may require that any Customer with a User Account also agree to their specific terms and conditions (“Third Party Terms”). By accepting these Terms and using our Services, you (a) authorize us to work with these Third Parties on your behalf and (b) agree to comply with and be bound by all applicable Third Party Terms, the NACHA Rules and the Payment Network Rules as such terms and rules may be amended from time to time by the applicable Third Party.

If a Third Party (such as a Payment Network or Bank) requires you to enter into a direct agreement with them in addition to these Terms, you authorize ePayPolicy, unless you notify us otherwise in writing, to continue managing your User Account with that Third Party on your behalf under this Agreement. You agree that ePayPolicy retains the exclusive right to manage the Services and its agreements with any Third Parties.

These Terms are effective upon the date you agree to them (by indicating acceptance electronically or in writing) and continue so long as you use the Services or until terminated by you, ePayPolicy, or our Third Parties, subject to the specific provisions mentioned herein that shall survive termination.

Payment Authorization Agreement: By agreeing to these Terms and completing the required payment information to designate a bank account, the Customer hereby authorizes ePayPolicy or its bank or processor to initiate debit/credit entries to Company’s bank account via an electronic funds transfer (a) for recurring payments that you have selected during your User Account sign-up process or thereafter, (b) for all Fees, and (c) any other payments due to ePayPolicy pursuant to these Terms (collectively, the “Payment Authorization”). The Customer authorizes each payment transaction, and this Payment Authorization is in addition to the Payment Authorization provided by you under the TPS Agreement. The Customer also authorizes us (or our bank or processor) to make correcting debits and credits to the bank account used in order to correct errors. The Customer understands that a valid bank account is required to use the Services. If the Customer wishes to revoke its Payment Authorization and discontinue use of the Services, the Customer must notify ePayPolicy at least 30 days in advance by email at support@epaypolicy.com or telephone at (844) 372-9300; provided, however, the Customer understands that this Payment Authorization will remain in effect after termination of these Terms and until all of the Customer’s obligations to pay Fees have been paid in full. In the event the Customer changes its bank account, the Customer will notify ePayPolicy by updating its bank account on file with us, and this Payment Authorization will apply to the new bank account.

1. Definitions

• ​ACH Entry: An electronic funds transfer made through the Automated Clearing House (“ACH”) network, governed by NACHA rules, to debit or credit a bank account.
• ​ACH Services: Payment processing services facilitated through the ACH network, governed by NACHA Rules, UCC Article 4A, and the TPS Agreement.
• ​Administrative Fee or Client Fee: A fee charged to the Client for the Client Services. The fee is applied by us and is not a surcharge imposed by the Customer. The fee is non-refundable and is in addition to any other applicable charges.
• ​Affiliates: Any entity that directly or indirectly controls, is controlled by, or is under common control with a party, including, but not limited to, subsidiaries, and parent companies.
• ​API: Application programming interface, including any endpoints, credentials, tokens, keys, integrations, or other mechanisms used to access or interact with the Services programmatically.
• ​Applicable Law(s): All applicable state and federal laws, regulations, regulatory guidelines and guidance, and official commentaries applicable to Customer, ePayPolicy, or the providing of the Services, including without limitation all such regulations, guidelines, and commentaries issued by the Board of Governors of the Federal Reserve System (the “Federal Reserve”), the United States Department of the Treasury’s Financial Crimes Enforcement Network (“FinCEN”); Operating Circulars issued by the Federal Reserve Banks and applicable to ACH transactions; the OFAC Rules; and the NACHA Rules; and all laws and regulations governing the conduct of the business of insurance or related regulatable activities as well as interpretive guidance of such laws and regulations issued by any governmental authority which regulates the business of insurance and related activities (the “Insurance Laws”), in all cases as any of the foregoing may be amended and in effect from time to time.
• ​Bank: A financial institution authorized to accept and route transactions for payment processing, including, for purposes of the ACH Services, each ODFI. This includes any third party acting on behalf of, or sponsored by, such a financial institution for these purposes.
• ​Charge: An instruction to initiate the transfer of funds, whether as a debit or credit, from a Client’s bank account or payment card to fulfill a payment obligation.
• ​Chargeback: A request that a Client files directly with his or her payment card company or card issuing bank to invalidate a processed payment from ePayPolicy.
• ​Client Services: The services we provide to a Client, including but not limited to enabling an insurance policyholder or other payor to pay their insurance premiums electronically via the Platform.
• ​Data Incident: Any unauthorized access, disclosure, alteration, or loss of data, including personally identifiable information (“PII”) and payment card information (“PCI”), whether intentional or unintentional, due to breaches, hacking, malware, or system failures.
• ​Disclosing Party: The party sharing or making its Confidential Information (as defined in the “Confidentiality” section) available to the other party.
• ​Dispute: Any claim or controversy between you and ePayPolicy, including those related to this Agreement (its breach, termination, and interpretation), our relationship, and your use of our Services. This includes claims arising before or after the termination of this Agreement.
• ​IP Rights: All patent rights; copyright, including rights in derivative works; moral rights; rights of publicity; trademark, trade dress and service mark rights; goodwill; trade secret rights; and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory, or other jurisdiction.
• ​ODFI or Originating Depository Financial Institution: A financial institution that transmits ACH Entries to the ACH Network for clearing and ultimate settlement with recipients on behalf of third-party senders and Originators (as defined in the NACHA Rules).
• ​OFAC Rules: The rules, regulations and sanctions programs issued or administered by the U.S. Department of the Treasury and its Office of Foreign Assets Control (“OFAC”), including but not limited to (a) those limiting transactions and financial relationships with Persons on the list administered by OFAC and known as the Specifically Designated Nationals and Blocked Persons List; (b) those restricting dealings with certain countries, regions, regimes, vessels, entities and individuals; and (c) 31 C.F.R. Chapter V.
• ​Originator: A person or entity that originates/initiates an ACH Entry and has directly, or indirectly via a Third-Party Sender, authorized an ODFI to transmit such ACH Entry to the ACH Network.
• ​Payment Network: Visa Inc., Mastercard International Inc., American Express Corp., Discover Financial Services, any affiliates of these entities, and any other provider of a payment method that we may at our discretion accept as a payment method from time to time in connection with the Services.
• ​Payment Network Rules: The guidelines, bylaws, rules, and regulations imposed by the Payment Network that operate payment methods supported by ePayPolicy from time to time.
• ​Payout Schedule: The timeframe for initiating a transfer of settlement funds to your designated bank account for transactions processed through the Services.
• ​Personally Identifiable Information or PII: Any information that can be used to identify an individual, including, but not limited to, names, addresses, email addresses, phone numbers, social security numbers, and any other data that, when combined with other information, can reveal an individual’s identity.
• ​Prohibited Third Parties: Individuals, entities, or services that you have not explicitly authorized as Administrators, regardless of whether you have given them consent or permission.
• ​Receiver: A person or organization that has authorized an Originator to initiate an ACH Entry to the Receiver’s account at the receiving depository financial institution (“RDFI”).
• ​Receiving Party: The party receiving or gaining access to the Confidential Information disclosed by the Disclosing Party.
• ​Refund: An instruction initiated by you to return funds to a Client for an existing Charge or ACH debit Entry.
• ​Rejected Transaction: A Chargeback of a payment card transaction or return of an ACH transaction or a Reversal.
• ​Reversal: An event whereby ePayPolicy reverses the settlement of funds from a processed transaction received because: (a) the card transaction is invalidated by the card issuer; (b) the settlement funds were sent in error by (i) ePayPolicy or our Third Parties, (ii) the processors, suppliers or licensors of ePayPolicy or our Third Parties, or (iii) any of the respective affiliates, agents, directors and employees of any of the entities listed in (i) or (ii) above; (c) the sender of the payment did not have authorization to send the payment (e.g. if the buyer/sender used a card that did not belong to the buyer/sender); (d) you received a payment for activities that violated these Terms, any Third Party Agreement, or any other ePayPolicy agreement or terms; or (e) ePayPolicy decided a claim or challenge to a payment that you or a Client files directly with ePayPolicy against you.
• ​Services: All products, features, our Platform, software, programs, documentation, tools, Internet-based services, components, content, data, images, blogs, and any related materials provided by ePayPolicy. This includes, but is not limited to, updates, upgrades, enhancements, modifications, bug fixes, patches, maintenance releases, support services, service information, help content, and any additional services or functionalities that may be offered by ePayPolicy now or in the future.
• ​Subscription Fee: The recurring fee charged to the Customer for access to the Services. The Subscription Fee applicable to the Customer shall be ePayPolicy’s currently published rates available on the Website.
• ​Website: www.epaypolicy.com and its subdomains and any other URL that we may designate from time to time to provide the Services.

2. Designating an Administrator and Registering for a User Account

To access our Services, you must create an ePayPolicy Customer account (“User Account”). You acknowledge and agree that, from time to time, another person or entity may submit or modify transactions on your behalf, including, without limitation, owners, principals, employees, officers, accountants or other designated third parties. Such a person or entity is referred to herein as an “Administrator.” You agree that all actions of an Administrator, or anyone that we reasonably believe to be you or an Administrator, will be deemed to be your actions under this Agreement, and you accept full responsibility and liability for all acts and omissions of an Administrator. This includes any instructions we are asked to take on your behalf whether orally (e.g., via videoconference or telephone) or in writing.

Each Administrator is required to register their email address and create a password for their Administrator profile. We may request additional identification and authentication details from each Administrator to facilitate access to their profile. The Customer is responsible for ensuring that all Administrators safeguard their login credentials, including passwords, phone numbers, and any other authentication information required for accessing the Administrator profile, and must keep this information confidential. Additionally, the Customer is responsible for ensuring that Administrators comply with these Terms. We may review the Customer and Administrator’s conduct for compliance purposes but are not required to do so.

You agree not to grant access to your User Account or disclose your login credentials to any Prohibited Third Parties. You accept all risks associated with the unauthorized use of your User Account. You must notify ePayPolicy immediately if you suspect that your User Account credentials or any related profiles, such as those of an Administrator, have been compromised. ePayPolicy reserves the right to suspend your User Account if we have reason to believe that it has been accessed without authorization.

You agree to promptly notify ePayPolicy of any changes to the information you provided during registration. Providing false, misleading, or incomplete information, or failing to update ePayPolicy about any changes, will be considered a breach of these Terms and may result in suspension or termination of your User Account.

3. Identity and Bank Account Verification

To comply with Applicable Laws, including anti-money laundering and other regulatory requirements, the Customer must provide accurate and complete information necessary to verify its identity and activities when registering for a User Account. This may include information about individuals or entities associated with your User Account.

We may also request supporting documentation to confirm the information provided. All collected information is used to ensure compliance with legal obligations, enhance the security of our Platform, and protect against fraud.

For more details on how we collect, use, and protect your data, please refer to our Privacy Policy.

You represent and warrant that all information provided to ePayPolicy, is correct, current, truthful, accurate and complete. You acknowledge that any false, misleading, or incomplete information may result in the immediate suspension or termination of your User Account and the Services. You acknowledge that ePayPolicy may share this information with its Third Parties, each of whom may also assess your eligibility for the Services. ePayPolicy reserves the right to request additional information to evaluate eligibility for a User Account and to deny eligibility at its sole discretion for any reason. The Customer will be notified if its User Account is deemed ineligible for use of the Services.

Following registration for a User Account, you agree to promptly update any information as needed and provide additional information if requested by ePayPolicy for purposes of, including, but not limited to, verifying identity, complying with beneficial ownership regulations, assessing business risk, and determining eligibility for the Services. You further agree that ePayPolicy shall not be liable for any losses, damages, or penalties arising from the Customer’s failure to provide accurate information or to update such information as required.

As part of our User Account setup and ongoing compliance processes, the Customer is required to verify its bank accounts. The bank account must be a United States bank account, and you must provide us with specific information related to your bank account, including, but not limited to, the bank name, bank account number, and routing number. You are solely responsible for ensuring that the information you provide is accurate and complete. Please note that you cannot submit bank account information on behalf of a third party. Any attempts to do so may result in the suspension or termination of your access to our Services. We reserve the right to request additional documentation or information as needed to complete the verification process.

You authorize ePayPolicy to conduct ongoing reviews of your User Account to ensure your continued eligibility to use the Services. You also grant ePayPolicy and Third Parties the right to obtain information about you from third parties for the purpose of verifying your eligibility for a User Account and continuously evaluating your eligibility status. As part of this process, you may be required to provide additional information and documentation periodically, as needed to comply with the requirements of our Third Parties. You consent to the collection, use, and disclosure of such information for these purposes.

4. Compliance with Applicable Laws and Payment Network Rules

ePayPolicy is committed to adhering to all Applicable Laws, including without limit Article 4A of the Uniform Commercial Code (“UCC”) (as adopted by Texas). By registering for a User Account, you confirm that you are authorized to conduct business in the United States and are a business entity recognized by your state. While ePayPolicy may provide Services to businesses in other countries, these specific Terms apply exclusively to U.S. businesses and do not extend to transactions or services involving international clients.

You acknowledge and agree to comply and to remain, for the duration of the usage of our services in compliance with these Terms, Third Party Terms (as defined in the “Payment Processing Services” section) and all Applicable Laws, including the Payment Network Rules and the Insurance Laws. You are prohibited from processing payments, accepting transactions, or receiving funds on behalf of any third party not expressly authorized under this Agreement. Additionally, all payments initiated through our Services must be directed to the designated receiving bank account identified in your User Account. You may not redirect payments to any other party unless required by law or expressly approved by us in writing. Any violation of this provision constitutes a material breach of this Agreement and may result in immediate suspension or termination of your User Account. You will not initiate any payments, debits or credits that violate U.S. law or that violate our Acceptable Use Policy.

You acknowledge receipt of and agree to comply with the Payment Network Rules, which are updated regularly (usually every six months) by the Payment Networks. Links to the publicly available rules are as follows, which URL links may be updated by a Payment Network from time to time in its sole discretion and without notice to you:

• ​Visa: Visa Core Rules and Visa Product and Service Rules available at https://usa.visa.com/content/dam/VCOM/download/about-visa/visa-rules-public.pdf
• ​Mastercard: Mastercard Rules available at https://www.mastercard.us/content/dam/public/mastercardcom/na/global-site/documents/mastercard-rules.pdf
• ​American Express: Merchant Operating Guide available at www.americanexpress.com/merchantopguide

ePayPolicy reserves the right to suspend your User Account, place a hold on your funds as permitted under UCC Article 4A, or terminate this Agreement without prior notice if we determine, at our sole discretion, that you or your representatives are designated as a Specially Designated National, fall under a country-based sanction program, or attempt to transfer funds to a sanctioned country or recipient. Additionally, you may not export the Services, which may be subject to U.S. export restrictions, including the U.S. Export Administration Regulations (15 C.F.R. Chapter VII).

You agree that all transactions submitted through our Services are bona fide and conducted for permitted purposes, involving the legitimate exchange of funds for goods and/or services. All transactions must accurately describe their purpose and comply with Applicable Laws, including tax obligations. You agree to fulfill all obligations to your Clients, resolve disputes directly, and use the Services solely for lawful and authorized business purposes. Additionally, you affirm that you are not listed on any prohibited or restricted persons lists maintained by U.S. authorities and will not use the Services for fraudulent or illegal activities.

ePayPolicy makes no representations that the Services are appropriate or available for use in locations outside of the United States. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States, foreign, and local laws and regulations, including but not limited to export and import regulations. You may not use the Services from a country embargoed by the United States, or if you are a person or entity blocked or denied by the United States government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to individuals, companies, or other entities located in the United States.

5. Third-Party Sender Originator Agreement

As a Third Party Sender under the NACHA Rules, ePayPolicy facilitates electronic payment transactions on behalf of its Customers (“Originators“). In this capacity, ePayPolicy has a contractual relationship with the Originating Depository Financial Institutions (“ODFI”) to process ACH transactions. We will establish one or more clearing accounts and submit ACH Entries on your behalf to our ODFIs, which includes First National Bank of Omaha (“FNBO”) and Wells Fargo, National Association (“Wells Fargo”). By using the Services, you, as the Originator, authorize ePayPolicy to initiate ACH debits and credits to and from your bank accounts in compliance with Applicable Law and the NACHA Rules. You authorize ePayPolicy and our ODFIs to execute payment instructions as provided by you. This includes the authority to initiate ACH debits and credits on your behalf to the designated funding method and the bank accounts of the intended recipients. This authorization encompasses both debiting and crediting your chosen funding method and facilitating the transfer of funds according to your instructions. Additionally, you permit ePayPolicy and our ODFIs to share relevant information with your designated Client.

You may not initiate International ACH Transactions (“IAT”) through our Services. ePayPolicy and/or the ODFIs reserve the right to restrict the types of Entries you may originate and to reject or refuse processing for any Entry that does not comply with these agreements or Applicable Laws. You are fully responsible for correcting any ACH Entries rejected by ePayPolicy or the ODFI prior to resubmission. We reserve the right to restrict the types of ACH Entries you may originate and will transmit ACH Entries on your behalf to the ODFI that fall within the permitted ACH Standard Entry Class Codes as governed by NACHA Rules. We may modify your transaction limits at any time upon reasonable notice, with those limits displayed on the ePayPolicy Platform and established based on our risk review.

You shall obtain from each Receiver whose account will be debited or credited as the result of an Entry originated by the Customer, a proper authorization as required by the Rules (a “Receiver Authorization”) whether the authorization is for a one-time entry or recurring entries. You represent and warrant as to each ACH Entry that it has obtained the necessary authorizations under the Applicable Rules, including NACHA Rules, and that you shall not initiate any funds transfer after the authorization for the same ACH Entry has been revoked (or the agreement between you and TPS has been terminated). The Originator is responsible for ensuring that all necessary authorizations from the Receivers have been obtained prior to any transaction initiation. ePayPolicy reserves the right to engage and collaborate with various Third Parties to facilitate these payment transactions.

The Originator acknowledges that they are ultimately responsible for the authoriza