Terms of Service
Last Updated: September 29, 2026
1. Acceptance of These Terms
These Terms of Service (“Terms”) are an agreement between you and FMJ Group LLC, doing business as Apptics (“Apptics,” “we,” “us,” or “our”). They govern your access to and use of the websites, software, checkout tools, payment-related services, subscription tools, analytics, integrations, and other products and services provided by Apptics (“Services”).
By creating an account, signing an order form, accepting these Terms electronically, or accessing or using the Services, you agree to be bound by these Terms, the Apptics Acceptable Use Policy, and the Apptics Privacy Policy, each of which is incorporated into these Terms. If you do not agree to all of these Terms, you may not access or use the Services.
If you use the Services for a company or organization, you confirm that you have authority to accept these Terms on its behalf, and “you” and “your” refer to that company or organization.
These Terms contain a binding arbitration agreement and a class action and jury trial waiver in Section 25. Please read it carefully.
2. Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement.
The Services are intended for business use only and not for personal, family, or household purposes. You must operate a lawful business and maintain all licenses, registrations, and permissions required for your products and services.
3. Account Registration
You must provide accurate, complete, and current information when creating and maintaining your account, including your legal business name and business address.
You are responsible for:
Protecting your login details.
Controlling access to your account.
Activities performed through your account.
Keeping your contact and billing information current.
Informing Apptics promptly of unauthorized account access.
You may not impersonate another person or business, create an account using false information, or allow a suspended person to use your account.
4. Services
Apptics provides software and technology that may include checkout functionality, payment integrations, subscription management, reporting, analytics, fraud tools, chargeback tools, and other ecommerce services.
Specific Services, prices, limits, and plan details may be described on the Apptics website or in an order form, proposal, or separate written agreement (each, an “Order Form”).
Apptics may add, change, improve, or discontinue features. When practical, Apptics will provide notice before making a material change to a paid Service.
Beta, preview, experimental, and free features may be changed or removed at any time and are provided without guarantees.
5. Subscription Term, Renewal, and Cancellation
Unless an Order Form states otherwise, your subscription is month to month. It begins on the date you first subscribe and renews automatically for successive one-month periods until cancelled.
You may cancel your subscription by giving Apptics at least 30 days’ written notice, sent to the contact information in Section 29. Cancellation takes effect at the end of the 30-day notice period. You remain responsible for all subscription fees for the notice period and all transaction and usage fees incurred through the effective date of cancellation.
Fees already paid are not refunded when you cancel, except where required by law or expressly agreed in writing.
6. Fees and Payment
You agree to pay all fees and charges associated with your account and selected Services, as stated on the Apptics website or in your Order Form.
Unless an Order Form states otherwise:
Subscription fees are billed monthly in advance.
Transaction and usage fees are billed monthly, after the end of each month, for activity during that month.
You must keep a valid payment method on file, and you authorize Apptics to charge it for all amounts due.
Fees are non-refundable except where required by law or expressly agreed in writing.
You are responsible for all applicable taxes, other than taxes on Apptics’ income.
If any amount is more than 10 days overdue, Apptics may restrict or suspend your access to the Services until all overdue amounts are paid.
Apptics may change its fees by giving you at least 30 days’ notice. The new fees apply beginning with your next billing period after the notice period ends. If you do not agree to the change, you may cancel under Section 5.
Additional fees from payment processors, banks, card networks, commerce platforms, or other third parties may apply separately and are your responsibility.
7. Payment Partners
The Services may connect with third-party payment processors, acquiring banks, sponsor banks, card networks, payment methods, commerce platforms, fraud providers, and other partners. These partners may require separate applications, agreements, fees, underwriting, reserves, or verification.
Unless Apptics agrees otherwise in writing:
Apptics is a technology provider and is not a bank, payment processor, or card network.
You remain the seller responsible to your customers.
Apptics does not guarantee approval by any payment provider.
Apptics does not control payment-provider reserves, holds, settlement timing, account closures, or underwriting decisions.
Apptics is not responsible for a third party’s outage, rejection, delay, reserve, suspension, or termination.
You must comply with the rules and terms of every payment provider connected to your account.
8. Your Responsibilities
You are responsible for:
Your products and services.
Product descriptions and marketing claims.
Pricing, taxes, and legal disclosures.
Customer authorization.
Order fulfillment and shipping.
Refunds and cancellations.
Subscription terms.
Customer service.
Fraud prevention.
Chargebacks and disputes.
Compliance with laws and payment-industry rules.
The accuracy of information provided through the Services.
You must clearly identify your business to customers and maintain accessible refund, cancellation, privacy, shipping, and subscription policies. Apptics does not approve, endorse, or guarantee your products simply because you use the Services.
9. Acceptable Use and Restrictions
You must comply with the Apptics Acceptable Use Policy. You may not use the Services:
For illegal, fraudulent, deceptive, or harmful activities.
To process unauthorized transactions.
To hide the identity of the actual seller.
To avoid monitoring, reserves, chargeback limits, or payment restrictions.
To interfere with the Services or other users.
To gain unauthorized access to systems or data.
To distribute malware or conduct phishing attacks.
To violate privacy, intellectual-property, or consumer-protection rights.
You may not, and may not allow anyone else to:
Copy, modify, reverse engineer, decompile, or attempt to derive the source code, underlying structure, or methods of the Services, except where applicable law expressly allows it despite this restriction.
Use the Services, Apptics’ confidential information, or any Apptics technology, documentation, workflows, or configurations to build, train, or improve a product or service that competes with the Services.
Access the Services to benchmark them for a competitor, or use automated means such as bots or scrapers to access the Services without Apptics’ permission.
Sell, resell, sublicense, or provide the Services to any third party except as Apptics expressly permits.
10. Customer Data
“Customer Data” means information you or your authorized users submit to or process through the Services. This may include account information, customer details, orders, transactions, subscriptions, and dispute information.
You retain ownership of your Customer Data. You give Apptics permission to host, process, copy, transmit, and otherwise use Customer Data as necessary to:
Provide and support the Services.
Process your instructions.
Connect with authorized third parties.
Prevent fraud and abuse.
Maintain security.
Comply with legal and payment-partner requirements.
Improve the Services using aggregated or de-identified information.
You confirm that you have the legal rights, notices, and customer consents required for Apptics to process Customer Data.
11. Data Export and Token Portability
Data export. For 30 days after your subscription ends, you may request an export of your Customer Data in a commonly used format. After that period, Apptics may delete Customer Data, subject to legal, security, backup, and financial-record requirements.
Payment token portability. You may request that payment and subscription tokens associated with your customers be transferred to another PCI DSS–compliant payment processor or service provider you designate. Any transfer is subject to technical feasibility, PCI DSS requirements, applicable law, the rules and policies of the relevant payment processors and card networks, and the receiving party’s ability to accept the transfer. Apptics may require that all amounts owed be paid before completing a transfer and may charge a reasonable fee for the work involved.
12. Privacy
Apptics processes personal information according to its Privacy Policy. When Apptics processes personal information on your behalf, you are responsible for:
Providing customers with an accurate privacy notice.
Obtaining required consent.
Giving Apptics lawful instructions.
Responding to customer privacy requests.
Following applicable privacy and data-protection laws.
13. Intellectual Property
Apptics owns or licenses all rights in the Services, including the software, technology, designs, documentation, workflows, trademarks, and related materials. Your use of the Services does not transfer ownership of any Apptics intellectual property to you.
Subject to these Terms and payment of all fees, Apptics grants you a limited, non-exclusive, non-transferable, revocable right to use the Services during your subscription for your internal business purposes.
If you provide suggestions or feedback, Apptics may use that feedback without restriction or payment.
14. Third-Party Integrations
You may choose to connect the Services with third-party platforms and applications. By enabling an integration, you authorize Apptics to exchange information with that third party as necessary to provide the integration.
Third-party services are controlled by their own terms and privacy policies. Apptics is not responsible for third-party products, changes, outages, security, or business decisions.
15. Confidentiality
Each party may receive private or confidential information from the other, including, for Apptics, non-public information about its pricing, technology, configurations, and business relationships. The receiving party must:
Use confidential information only for the business relationship.
Protect it with reasonable care.
Share it only with people who need access and are subject to confidentiality obligations.
Not disclose it publicly without permission.
These restrictions do not apply to information that is already public, independently developed, lawfully received from another source, or legally required to be disclosed.
16. Publicity
Unless you tell Apptics otherwise in writing, Apptics may identify you as a customer and use your business name and logo on its website and in its marketing materials. Apptics will not publish testimonials, statements, or performance results attributed to you without your approval. You may withdraw this permission at any time by written notice, and Apptics will stop new uses within a reasonable time.
17. Communications
By creating an account or providing your contact information, you agree that Apptics may contact you by email, phone, text message, or other channels about your account, the Services, billing, security, and updates. These communications are part of the Services, and you agree that notices sent electronically satisfy any legal requirement that they be in writing.
If Apptics sends you promotional messages, you may opt out at any time by following the instructions in the message or contacting Apptics. Opting out does not stop account, transactional, security, or legal communications. Message and data rates may apply to text messages.
18. Support
Apptics provides support through the channels it makes available, which may include email, a dedicated messaging channel, or an account manager. Support is provided on a commercially reasonable basis. Unless an Order Form states otherwise, Apptics does not commit to specific response or resolution times.
19. Suspension
Apptics may restrict or suspend access to the Services if:
You violate these Terms or the Acceptable Use Policy.
Your account creates a fraud or security risk.
Your activities may harm customers, Apptics, or a payment partner.
You fail to pay amounts due, as described in Section 6.
A bank, processor, card network, platform, regulator, or government authority requests it.
Suspension is necessary to comply with law.
When reasonable, Apptics will attempt to notify you and limit the suspension to the affected Services.
20. Termination
You may terminate by cancelling your subscription under Section 5. Apptics may terminate your subscription for any reason by giving you at least 30 days’ written notice.
Apptics may terminate immediately for fraud, illegal activity, serious security risks, repeated policy violations, unauthorized payment activity, non-payment that continues after suspension under Section 6, or conduct likely to harm customers or payment partners.
When your subscription ends:
Your right to use the Services ends.
All outstanding fees become immediately due.
You may request an export of your Customer Data under Section 11.
Apptics may delete Customer Data after the 30-day export period, subject to legal, security, backup, and financial-record requirements.
21. Service Availability
Apptics works to keep the Services available but does not guarantee that they will always be uninterrupted or error-free. The Services may be unavailable because of maintenance, security incidents, internet failures, third-party outages, government action, emergencies, or events outside Apptics’ reasonable control.
You are responsible for maintaining appropriate backup and business-continuity procedures.
22. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND. APPTICS EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
Apptics does not guarantee:
That the Services will be uninterrupted or error-free.
That every transaction will be approved.
That a payment provider will approve or continue serving you.
That fraud and chargeback tools will prevent every loss.
Any particular revenue, conversion, approval rate, or other business result.
That the Services will meet every legal or business requirement.
That information or reports will always be complete or error-free.
You are responsible for reviewing the Services and deciding whether they are appropriate for your business.
23. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, APPTICS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR LOST BUSINESS OPPORTUNITIES, EVEN IF ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.
APPTICS’ TOTAL LIABILITY RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE FEES YOU PAID TO APPTICS FOR THE AFFECTED SERVICES DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limitations do not apply where liability cannot legally be limited.
24. Indemnification
You agree to defend, indemnify, and hold harmless Apptics and its members, managers, employees, and contractors against third-party claims, losses, penalties, fines, chargebacks, assessments, and reasonable attorneys’ fees resulting from:
Your products or services.
Your marketing or sales practices.
Your Customer Data.
Your relationship with customers.
Your violation of these Terms or the Acceptable Use Policy.
Your violation of law or payment-provider rules.
Fraud or unauthorized transactions connected with your business.
Claims that your content, products, or activities violate another party’s rights.
25. Dispute Resolution; Binding Arbitration
Informal resolution. Before starting arbitration, the party with a claim must send the other a written notice describing the dispute and the relief sought. The parties will try in good faith to resolve it within 30 days after the notice is received.
Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that is not resolved informally will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration will be conducted by a single arbitrator and seated in Sheridan, Wyoming, although hearings may be held by video where the arbitrator allows. The arbitrator may award the same damages and relief as a court, and judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this Section.
Exceptions. Either party may bring an action in court (a) to collect unpaid fees or other amounts owed, or (b) to seek a temporary restraining order, injunction, or other equitable relief to protect its intellectual property, confidential information, or the security of the Services.
CLASS ACTION AND JURY TRIAL WAIVER. YOU AND APPTICS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. TO THE EXTENT ANY CLAIM PROCEEDS IN COURT, YOU AND APPTICS EACH WAIVE THE RIGHT TO A JURY TRIAL. If this class action waiver is found unenforceable for any claim, the arbitration agreement will not apply to that claim, which must instead be brought in court under Section 26.
Time limit. To the extent permitted by law, any claim must be brought within one (1) year after it arises, or it is permanently barred.
26. Governing Law and Venue
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules, and, where applicable, the Federal Arbitration Act. For any matter permitted to proceed in court, you and Apptics agree to the exclusive jurisdiction of the state and federal courts located in Wyoming.
27. Changes to These Terms
Apptics may update these Terms to reflect changes in the Services, business practices, laws, or partner requirements. The updated Terms will be posted with a revised “Last Updated” date. For material changes, Apptics will make reasonable efforts to notify you by email or through the Services before the changes take effect.
Continued use of the Services after the updated Terms take effect means you accept them. If you do not agree, you may cancel under Section 5.
28. General Terms
Entire agreement and order of precedence. These Terms, the Acceptable Use Policy, the Privacy Policy, and any Order Form are the entire agreement concerning the Services. If an Order Form conflicts with these Terms, the Order Form controls for that conflict.
Assignment. You may not assign or transfer these Terms without Apptics’ prior written consent. Apptics may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets or business.
Notices. Apptics may send notices to the email address on your account. You must send notices to Apptics using the contact information in Section 29.
Survival. Sections relating to fees owed, customer data, data export and token portability, intellectual property, confidentiality, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law survive the end of your subscription.
Severability and waiver. If part of these Terms is found unenforceable, the remaining sections continue to apply. A failure to enforce a provision does not waive the right to enforce it later.
Force majeure. Neither party is responsible for delays or failures caused by events outside its reasonable control, except for payment obligations.
Relationship. The parties are independent contractors. These Terms do not create a partnership, joint venture, employment, or agency relationship.
29. Contact
Questions about these Terms and notices to Apptics may be submitted by email to team@apptics.ai or through our contact form at https://www.apptics.ai/contact. Written notices may be mailed to:
Apptics
30 N Gould St, Ste R
Sheridan, WY 82801
