These Terms and Conditions govern your engagement with the AltirasPay platform and its suite of intake processes, consulting services, and document facilitation tools provided by AltirasPay, LLC. Definition of Role and Decision-Making Authority AltirasPay serves exclusively as a referral and support intermediary. Our role is strictly limited to education, document organization, submission support, and professional introductions. AltirasPay is not a bank, underwriter, or financial institution. It is explicitly understood that AltirasPay does not make any final decisions regarding your merchant account. All final eligibility, underwriting, and approval decisions are made solely and exclusively by the acquiring banks, processors, and third-party providers. AltirasPay cannot and does not guarantee account approval, specific processing terms, or the continuation of processing services. Clarification of AI and Automated Tool Usage AltirasPay utilizes artificial intelligence and automated tools solely for the purpose of organizational efficiency, data analysis support, and workflow optimization. It is important to note that these AI systems do not replace, nor do they perform, the underwriting or eligibility assessments conducted by banks and processors. Any risk flags, automated summaries, or recommendations generated by our AI tools are preliminary aids intended for the informational use of merchants and AltirasPay staff. These outputs do not constitute a final decision. Acquiring banks and processors independently conduct their own comprehensive human underwriting and compliance reviews. Final determinations regarding account approval, pricing structures, reserve requirements, and ongoing processing status are made exclusively by the acquiring banks and processors, not by AltirasPay or its AI infrastructure. Background Evaluations and Underwriting Standards Regarding background assessments, any criminal or felony history may impact eligibility based entirely on the specific underwriting standards held by the acquiring bank. AltirasPay facilitates the organization of these disclosures for the bank’s review, but no staff member or automated system at AltirasPay has the authority to override an external bank’s underwriting criteria or guarantee a positive outcome. Decisions regarding the relevance of background data rest entirely with the processor and bank. User Representations and Compliance By utilizing our services, you verify that you possess the legal authority to bind your business to these terms and that all provided documentation is authentic. Any intentional misrepresentation of business operations designed to circumvent the bank’s underwriting process is strictly prohibited. You acknowledge that all final compliance determinations are the byproduct of the bank’s internal review, not AltirasPay's support actions. Regulatory Adherence and Truth-in-Advertising In accordance with the FTC Act and federal truth-in-advertising standards, AltirasPay maintains no false affiliations with card networks such as Visa or Mastercard. While we utilize automated efficiency tools, these systems do not replace the human underwriting decisions performed by the acquiring bank. Any reference to compliance or approval status is an attribution to the bank’s final decision-making power. Information Sharing and Data Security Information submitted through our portal is collected with the explicit understanding that it will be shared with prospective banks, underwriters, and regulatory bodies to facilitate your application. While we maintain rigorous data safeguards, this platform does not establish an attorney-client relationship. You acknowledge that AltirasPay acts as a conduit for information intended for the final decision-makers: the acquiring banks and processors.