Terms of Service

1. Acceptance of Terms

Welcome to LeanPivot Payments (“Platform”), operated by LeanPivot Solutions, LLC, 2423 SW 147th Ave #2197, Miami, FL 33185 (“Company,” “we,” “us,” or “our”). By accessing or using the Platform, you (“User,” “Merchant,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not access or use the Platform.

These Terms constitute a legally binding agreement between you and LeanPivot Solutions, LLC. By accepting these Terms, you are also accepting and agreeing to be bound by the Payment Processor Terms described in Section 4. Your continued use of the Platform after any changes to these Terms constitutes acceptance of the revised Terms.

2. Platform Description

LeanPivot Payments is a marketplace payments platform that enables Users to:

• Create and manage a verified seller account through Stripe's secure onboarding
• Create products and configure pricing
• Generate payment links and checkout sessions for goods and services
• Accept payments from customers via Stripe-hosted checkout
• Issue full or partial refunds from the dashboard
• Track customers, revenue, and payout status
• Receive payouts from Stripe to linked bank accounts

How Payments Work: All payment processing is handled by Stripe. Your business name and brand appear on your customer's credit card or bank statement. LeanPivot Payments provides the marketplace tools (product catalog, payment links, dashboard); Stripe handles the actual movement of money. We do not directly process, hold, or transmit funds.

3. Account Registration & Eligibility

To use the Platform, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Be a person or entity operating a business selling goods or services in the United States
• Provide accurate, complete, and current registration information
• Complete identity verification through Stripe's secure onboarding process
• Maintain the security of your account credentials
• Promptly update your account information if it changes

You are responsible for all activity that occurs under your account. You must notify us immediately at support@leanpivotpayments.com if you suspect unauthorized access. The Platform is available only for lawful commercial activity and may not be used for personal, family, or household purposes.

We reserve the right to refuse service, terminate accounts, or restrict access at our sole discretion.

4. Stripe Connect & Payment Processor Terms

Payment processing services on the Platform are provided by Stripe via Stripe Connect. By using the Platform, you agree to be bound by the following Stripe agreements (collectively, the “Payment Processor Terms”):

• Stripe Connected Account Agreement
• Stripe Services Agreement
• Stripe Payment Method Terms

The Payment Processor Terms may be modified by Stripe from time to time. As a condition of using the Platform, you agree to provide accurate and complete information about you and your business to both us and Stripe, and you authorize us to share such information and transaction data with Stripe for the purposes of payment processing, identity verification, and compliance.

Your relationship with Stripe is independent of your relationship with LeanPivot Solutions, LLC. We are not a party to the Payment Processor Terms and are not responsible for Stripe's actions, including but not limited to account suspensions, holds on funds, reserve requirements, or changes to Stripe's terms or fee structure.

5. Products, Payments & Fulfillment

The Platform allows you to create products, set prices, generate payment links, and accept payments through Stripe-hosted checkout sessions. You acknowledge that:

• Your Brand, Your Responsibility: Your business name appears on customer receipts and bank statements. You own the relationship with your customers and are responsible for the transactions you initiate.
• You are solely responsible for the accuracy of product descriptions, pricing, and any representations made to your customers
• You are solely responsible for fulfilling orders and delivering the goods or services you sell
• Liability: You assume sole and exclusive responsibility for all refunded, reversed, or charged-back transactions. Your account balance and linked bank account are the primary sources for recovering disputed funds.
• You must comply with all applicable consumer protection laws, including refund and return policies
• You must not sell prohibited goods or services as defined in Section 8 of these Terms and Stripe's Restricted Businesses list

LeanPivot Solutions, LLC does not take title to or possession of any goods or services sold through the Platform. We do not offer any dispute rights to your customers; all disputes must be handled directly between you and your customer through the Stripe Connect dispute mechanism.

6. Fees, Payouts & Billing

The following fees apply to transactions processed through the Platform:

• Transaction Fee: 4.9% + $0.30 per successful transaction for Standalone accounts; 3.9% + $0.30 for LeanPivot.ai Subscribers. This includes Stripe's processing fee and the Platform's application fee (2% for Standalone; 1% for Subscribers). The transaction fee is deducted from each payment before funds reach your account.
• Monthly Minimum Activity Fee: $2.50 per month for standalone accounts in months where total platform fees earned are less than $2.50 (approximately $250 in sales). This fee is waived automatically when sales exceed this threshold and is permanently waived for active LeanPivot.ai subscribers.
• Instant Payouts: 1.5% of the payout amount. Available only to active LeanPivot.ai subscribers. Standard payouts are free for all accounts.
• Dispute Fee: $15.00 per chargeback or dispute filed against your account. This fee is refunded if the dispute is resolved in your favor.
• Standard Payouts: Free. Funds are deposited to your linked bank account within 2 business days.

Fees are assessed at the time a transaction is processed and are first deducted from the transaction funds. We reserve the right to modify Platform fees with thirty (30) days' prior written notice. Continued use of the Platform after a fee change constitutes acceptance of the new fee structure. Current fees apply upon account reinstatement after any suspension.

7. Chargebacks, Disputes & Refunds

Because your brand appears on customer statements, you are responsible for managing chargebacks, disputes, and refund requests from your customers. When a chargeback or dispute is filed:

• The dispute is processed through your Stripe account. You must provide complete and accurate information in a timely manner to contest the chargeback.
• If a chargeback is not resolved in your favor, Stripe will recover the disputed amount and the associated dispute fee from your account balance or linked bank account.
• The Platform application fee is non-refundable in the event of a chargeback, regardless of the outcome.
• You remain liable for all chargebacks, disputes, refunds, and associated fees even after account termination.

We reserve the right to suspend or restrict your account if your chargeback rate exceeds thresholds set by card networks or if we determine your account presents elevated risk to the Platform. For full details, see our Refund & Cancellation Policy.

8. Prohibited Activities

You agree not to use the Platform to:

• Engage in fraud, deception, or misrepresentation
• Process transactions for which you have not provided the described goods or services
• Act as a payment intermediary or aggregator, or otherwise resell the Platform's services
• Utilize the credit available on any payment method to provide cash advances to customers
• Submit any transaction that you believe to be potentially fraudulent
• Facilitate money laundering, terrorist financing, or other financial crimes
• Provide false or manipulated identity or business information
• Evade chargeback monitoring programs
• Violate any applicable local, state, national, or international law or regulation
• Infringe upon the intellectual property rights of any third party
• Attempt to gain unauthorized access to the Platform, other accounts, or connected systems
• Decompile, disassemble, or otherwise reverse engineer any part of the Platform
• Create multiple accounts for the purpose of evading restrictions or limitations
• Use the Platform for any purpose other than lawful commercial activity

8.1 Prohibited Business Categories

The following business types are prohibited from using the Platform. This list mirrors and incorporates Stripe's Prohibited and Restricted Businesses policy, which is the authoritative source and may be updated without notice. You are responsible for reviewing that list in its entirety.

• Illegal products and services: Illegal drugs, substances designed to mimic illegal drugs (including kava), drug manufacturing equipment, fake IDs, telecommunications jamming equipment, and any product or service that violates applicable law
• Adult content and services: Pornography, escort services, pay-per-view sexual content, adult live-chat, sexual massages, adult video stores, strip clubs, and AI-generated adult content
• Gambling: Games of chance, internet gambling, casino games, sports betting, lotteries, bidding fee auctions, and games of skill with monetary prizes (tournaments, card games, etc.)
• Debt relief: Debt settlement, negotiation, and consolidation services
• Certain financial services: ATMs, check cashing, debt collection, funded prop trading, money orders, peer-to-peer money transmission, bearer share sales, and shell banks
• Weapons, explosives, and dangerous materials: Illegal weapons and accessories, improperly marked firearm replicas, toxic/flammable/combustible/radioactive materials, and research chemicals
• Intellectual property infringement: Counterfeit goods, unlicensed distribution of copyrighted content, illegally imported/exported products, and unauthorized use of trademarks or patents
• Marijuana and cannabis: Cannabis products, dispensaries, CBD with THC exceeding local limits, and cultivation equipment marketed for marijuana use
• Government services: Unauthorized or misleading government service offerings
• Identity services: Identity theft protection, monitoring, and recovery services
• Certain legal services: Bankruptcy attorneys, bail bonds, and law firms collecting non-legal-fee funds
• Lending and credit: Credit card loan repayments, credit monitoring, repair, and counseling
• Travel: Commercial airlines, cruises, charter/private airlines, and timeshare services
• Nutraceuticals: Unsafe nutraceuticals or products making harmful health claims
• Cryptocurrency: Crypto mining, staking, initial coin offerings (ICOs), and secondary NFT sales
• Unfair, deceptive, or abusive practices: Pyramid schemes, multilevel marketing with recruitment-based commissions, “get rich quick” schemes, deceptive testimonials, negative option marketing, hidden pricing, telemarketing, no-value-added service resale, and predatory consumer practices

8.2 Restricted Business Categories

The following business types are restricted and may require additional review, approval, or compliance steps. Operating in these categories without prior disclosure may result in account suspension.

• Content creation platforms: Platforms enabling creators to receive tips or payments for exclusive content or digital goods
• Crowdfunding and fundraising: Nonprofit, charity, or political fundraising; equity crowdfunding; charity sweepstakes
• Financial products: Investment and brokerage services, lending (including real estate loans), buy now/pay later, money transmitters, currency exchange, escrow services, and neobanks
• Legal firearms and weapons: Firearms, regulated firearm parts/accessories (suppressors), stun guns, pepper spray, and other weapons (where legal)
• Pharmaceuticals and telemedicine: Online pharmacies, prescription products, prescription-regulated medical devices, and telehealth services
• Tobacco: Tobacco products, e-cigarettes, cigars, e-liquid, herbal cigarettes, and tobacco production equipment
• CBD products: Cannabidiol (CBD) products with negligible THC per local limits
• Cryptocurrency exchanges: Cryptocurrency exchanges and wallets (limited availability)
• Stored value and NFTs: First-party NFT minting, precious metals and stones, gift cards, preloaded cards, virtual credits, and in-game currency sales
• Travel services: Travel reservation services, travel clubs, and in-flight purchases
• Dating: Online dating and matchmaking services

8.3 US-Specific Restrictions

In addition to the above, the following are restricted or prohibited in the United States:

• Extended warranty services
• Non-government medical benefit packages
• Mortgage consulting and lending advisory
• Shipping brokers and freight forwarders without proper authorization

Violation of this section may result in immediate suspension or termination of your account and may be reported to law enforcement authorities. These lists may be updated by Stripe or by us without notice. It is your responsibility to ensure your business complies with all applicable prohibited and restricted categories at all times.

9. Reserves & Holds

Stripe may, at its discretion, require that a portion or all of the funds received for a transaction be held in a reserve account to cover chargebacks, refunds, disputes, or other payment obligations. Reserve terms are determined by Stripe and may change at any time based on risk assessment.

You are not entitled to any interest or other compensation on reserve funds. You acknowledge that Stripe may deduct reserve amounts from your payouts or debit your linked bank account without separate notice, as authorized under the Payment Processor Terms.

10. Compliance & Security

You must comply with the Payment Card Industry Data Security Standard (PCI DSS) to the extent you store, process, or transmit cardholder data. While Stripe handles PCI compliance for payment processing, you are responsible for:

• Never storing CVV2, CVC2, or magnetic stripe data
• Using only PCI-DSS compliant service providers for any payment-related operations
• Maintaining industry-standard access controls for any account data under your control
• Maintaining an incident response procedure for security breaches

Stripe performs identity verification and anti-fraud checks as part of onboarding. You authorize Stripe and us to retrieve additional information from third parties and identification services for verification purposes.

11. Business Changes & Notifications

You must notify us within thirty (30) days of any material change to your business, including but not limited to changes to your legal name, business structure, nature of goods or services, or ownership. You must notify us within three (3) days of any bankruptcy filing, insolvency proceeding, or adverse change in your financial condition.

12. Intellectual Property

The Platform, including its design, features, code, documentation, logos, and trademarks, is the intellectual property of LeanPivot Solutions, LLC and is protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works based on the Platform without our prior written consent.

You retain ownership of all content, products, and materials you create or upload through the Platform. By using the Platform, you grant us a limited, non-exclusive, royalty-free license to display your content solely as necessary to provide the services described herein.

13. Disclaimers

LeanPivot Payments is NOT a bank, money services business, or money transmitter. We do not hold or move money. All payment processing and fund management is handled by Stripe under the Payment Processor Terms.

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that the Platform will be available at all times, operate without interruption or error, that defects will be corrected, or that the Platform is free of viruses or other harmful components. We are not responsible for any losses arising from Stripe service outages, payment processing delays, fund holds, or changes to Stripe's terms or fee structure.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LEANPIVOT SOLUTIONS, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY LOST PROFITS, LOSS OF DATA, OR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM, UNAUTHORIZED ACCESS TO YOUR DATA, ACTIONS OF STRIPE OR ANY THIRD-PARTY SERVICE PROVIDER, TRANSACTIONS OR DISPUTES BETWEEN YOU AND YOUR CUSTOMERS, OR ANY OTHER MATTER RELATING TO THE PLATFORM.

OUR CUMULATIVE LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES AND SHALL NOT EXCEED IN THE AGGREGATE THE AMOUNT OF PLATFORM APPLICATION FEES PAID BY YOU DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

These liability limitations do not apply to your obligations regarding chargebacks, disputes, refunds, fines, fees, or unfulfilled orders.

15. Indemnification

You agree to indemnify, defend, and hold harmless LeanPivot Solutions, LLC, its officers, directors, employees, agents, affiliates, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and collection costs) arising from: (a) your use of the Platform; (b) your breach of these Terms or the Payment Processor Terms; (c) your violation of any applicable law or regulation; (d) fees, fines, or penalties resulting from your use of the Platform; (e) your negligent or willful misconduct; (f) any content or products you offer through the Platform; (g) any dispute between you and your customers; or (h) any taxes related to your use of the Platform.

If we become liable to Stripe for penalties, fines, or other amounts as a result of your actions, you agree to indemnify us for such amounts.

16. Termination

We may suspend or terminate your access to the Platform at any time, for any reason, upon notice, including but not limited to circumstances where:

• You breach any provision of these Terms or the Payment Processor Terms
• We are required to do so by law, regulatory authority, or a payment network
• Your Stripe account is suspended or terminated by Stripe
• We reasonably believe your account is being used for prohibited activities or presents elevated risk

You may terminate your account at any time by contacting us at support@leanpivotpayments.com. Upon termination:

• You must immediately stop accepting new transactions through the Platform
• All pending transactions must be completed or refunded
• Any pending payouts will be handled according to Stripe's policies, which may include holding funds to cover potential chargebacks or disputes
• No refund of previously paid fees will be issued
• You remain liable for all obligations including chargebacks, disputes, fees, and refunds
• Sections 7 and 9 through 18 of these Terms survive termination

17. Data & Privacy

We collect and store limited personal data (such as your email address and name) to operate the Platform. We act as a data controller for personal data related to the Platform services and as a data processor for customer payment data. For full details, see our Privacy Policy.

By using the Platform, you consent to the collection and use of your data as described in our Privacy Policy and authorize us to share relevant information with Stripe for payment processing, identity verification, and compliance purposes. You warrant that you have obtained all necessary rights, permissions, and consents from your customers for the processing of their payment data.

Personal data may be transferred to other regions, including within the United States and Canada, as necessary to provide the services. Stripe may process customer payment data as an independent data controller for identity verification, anti-fraud, and sanctions compliance purposes.

Cross-Platform Data Sharing: If you use the same email address on LeanPivot Payments and LeanPivot.ai (operated by the same entity, LeanPivot Solutions, LLC), your subscription status may be shared between the two platforms. This sharing is limited to your email address and whether you hold an active LeanPivot.ai subscription (true/false). This information is used to apply subscriber pricing benefits, including lower transaction fees, waived monthly minimums, and access to instant payouts. No billing details, payment history, or subscription tier information is transferred. See Section 7.2 of our Privacy Policy for full details.

18. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in the State of Delaware.

In the event of any dispute, you agree to first attempt to resolve it informally by contacting us at support@leanpivotpayments.com. We will attempt to resolve the dispute within thirty (30) days. If the dispute cannot be resolved informally, either party may initiate binding arbitration under the rules of the American Arbitration Association. YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

19. Changes to Terms

We reserve the right to modify these Terms at any time. For material changes, we will provide thirty (30) days' notice by updating the date at the top of this page and, where practicable, by email. Your continued use of the Platform after the effective date constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Platform and contact us to close your account.

20. Miscellaneous

• Entire Agreement: These Terms, together with the Privacy Policy, Connected Account Agreement, and any other policies referenced herein, constitute the entire agreement between you and LeanPivot Solutions, LLC regarding the Platform. In the event of a conflict between these Terms and any other LeanPivot or Payment Processor agreement, these Terms shall prevail on the subject matter herein.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Force Majeure: We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control. However, force majeure does not relieve you of your obligations regarding chargebacks, disputes, refunds, or unfulfilled orders.
• Electronic Communications: By using the Platform, you consent to receiving communications from us electronically. Electronic communications satisfy any legal requirement that communications be in writing.

21. Contact Information

LeanPivot Solutions, LLC
2423 SW 147th Ave #2197, Miami, FL 33185
Email: support@leanpivotpayments.com
Website: leanpivotpayments.com