CambridgeCommerce, Inc.
Last Updated: 09/04/2025
1. Agreement to Terms
By accessing or using CambridgeCommerce’s website at cambridgecommerce.com (the “Website”) and our payment processing services (the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Website or Services.
2. About CambridgeCommerce
CambridgeCommerce has been providing payment processing solutions since 1999. We specialize in merchant services, payment processing, and business growth solutions through our partnership-focused approach. Our services are designed to help businesses grow while protecting their rights and values.
3. Services Provided
CambridgeCommerce offers the following services:
- Payment Processing Services: Credit card, debit card, and electronic payment processing
- Merchant Account Services: Setup and management of merchant accounts
- Chargeback Management: Tools and support for managing chargebacks and disputes
- Recurring Payment Solutions: Automated billing and subscription management
- MOTO (Mail Order/Telephone Order) Processing: Specialized solutions for remote transactions
- Risk Management: Fraud prevention and security measures
- Customer Support: Proactive customer service and technical support
- Business Consulting: Strategic advice for payment processing optimization
4. Eligibility and Account Registration
4.1 Eligibility
To use our Services, you must:
- Be at least 18 years old or the age of majority in your jurisdiction
- Have the legal authority to enter into binding agreements
- Operate a legitimate business
- Comply with all applicable laws and regulations
- Meet our underwriting and risk assessment requirements
4.2 Account Information
You agree to provide accurate, current, and complete information during registration and to update such information as necessary to maintain its accuracy.
5. Acceptable Use Policy
5.1 Permitted Uses
You may use our Services only for lawful business purposes and in accordance with these Terms.
5.2 Prohibited Uses
You may not use our Services for:
- Illegal activities or transactions
- High-risk merchant categories without prior approval
- Processing payments for adult entertainment, gambling, or other restricted industries
- Money laundering, fraud, or any deceptive practices
- Transactions that violate card network rules
- Any activity that could harm our reputation or business relationships
6. Payment Processing Terms
6.1 Processing Fees
Fees for our Services will be outlined in your separate merchant agreement or service contract. All fees are non-refundable unless specifically stated otherwise.
6.2 Settlement and Funding
Settlement times and funding schedules will be specified in your merchant agreement and may vary based on your business type and risk profile.
6.3 Chargebacks and Disputes
You are responsible for handling customer disputes and minimizing chargebacks. Excessive chargeback ratios may result in additional fees or service termination.
6.4 PCI Compliance
You must maintain Payment Card Industry Data Security Standard (PCI DSS) compliance at all times when handling cardholder data.
7. Data Security and Privacy
7.1 Data Protection
We implement industry-standard security measures to protect cardholder data and your business information. However, you acknowledge that no system is completely secure.
7.2 Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your information.
7.3 Your Data Obligations
You agree to:
- Maintain secure handling of all cardholder data
- Report any suspected security breaches immediately
- Comply with all applicable data protection laws
- Only process transactions for your own business
8. Intellectual Property
8.1 Our Rights
The Website and Services, including all content, features, and functionality, are owned by Cambridge Commerce and are protected by intellectual property laws.
8.2 Your Rights
You retain ownership of your business data and transaction information, subject to our rights to use such data for providing Services and as permitted by law.
9. Disclaimers and Limitations
9.1 Service Availability
While we strive for 99.9% uptime, we do not guarantee uninterrupted service availability. We are not liable for service interruptions due to maintenance, technical issues, or circumstances beyond our control.
9.2 Third-Party Services
Our Services may integrate with third-party payment networks and services. We are not responsible for the availability or performance of these third-party services.
9.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAMBRIDGE COMMERCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
10. Indemnification
You agree to defend, indemnify, and hold harmless Cambridge Commerce from any claims, damages, obligations, losses, liabilities, costs, or debt arising from:
- Your use of our Services
- Your violation of these Terms
- Your violation of any third-party rights
- Any transactions processed through your merchant account
11. Termination
11.1 Termination by You
You may terminate your account at any time by providing written notice as specified in your merchant agreement.
11.2 Termination by Us
We may terminate or suspend your account immediately if you:
- Breach these Terms or your merchant agreement
- Engage in prohibited activities
- Pose an unacceptable risk to our business
- Fail to pay required fees
11.3 Effect of Termination
Upon termination, your right to use the Services will cease immediately, but these Terms will continue to apply to any outstanding obligations.
12. Governing Law and Dispute Resolution
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Insert State], without regard to conflict of law principles.
12.2 Dispute Resolution
Any disputes arising under these Terms shall be resolved through:
- Good faith negotiations between the parties
- If unsuccessful, binding arbitration in accordance with the rules of the American Arbitration Association
13. General Provisions
13.1 Entire Agreement
These Terms, together with your merchant agreement and any other agreements between you and CambridgeCommerce, constitute the entire agreement between the parties.
13.2 Amendments
We may modify these Terms at any time by posting the revised Terms on our Website. Your continued use of our Services after such changes constitutes acceptance of the new Terms.
13.3 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
13.4 Assignment
You may not assign these Terms without our prior written consent. We may assign these Terms at any time.
13.5 No Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision.
14. Contact Information
For questions about these Terms of Service, please contact us at:
CambridgeCommerce, Inc.
Email: [email protected]
Phone: 760-444-9000
Address: 3818 Via Del Racho
Oceanside, CA 92056
Website: cambridgecommerce.com
By using CambridgeCommerce’s services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.