Welcome to ACCPHI (Affordable Credit Card Processing HI). By accessing or using our services, you agree to the following Terms & Conditions. Please read them carefully.
1. Use of Services
ACCPHI provides merchant services and credit card processing solutions for legal business transactions. By using our services, you agree to operate within all applicable federal, state, and local laws.
2. Fees and Billing
We provide True Interchange Pass-Through Pricing, ensuring transparent and competitive rates. All associated fees will be clearly disclosed in your service agreement. You agree to pay all fees as billed.
3. Account Responsibility
You are responsible for providing accurate business and contact information. Keep your login credentials secure. ACCPHI is not liable for any unauthorized use of your account.
4. Contract Terms and Termination
We offer flexible service agreements. You may cancel anytime with written notice. No early termination fees apply unless otherwise stated in a custom agreement.
5. Service Changes and Modifications
ACCPHI may make updates or changes to its services and pricing. We will notify you of material changes. Continued use of the service constitutes acceptance of those changes.
6. Limitation of Liability
ACCPHI shall not be liable for indirect or incidental damages. Our maximum liability is limited to the amount paid to us in the three (3) months preceding a claim.
7. Governing Law
These Terms shall be governed by and construed under the laws of the State of Hawaii. Any disputes shall be resolved in Hawaii courts.
8. Contact Us
If you have questions about these terms, please contact us at:
📧 barbara@accphi.com
Privacy Policy:
Effective Date: [Insert Date]
At ACCPHI, we value your privacy and are committed to protecting your personal and business information. This policy explains what we collect, how we use it, and your rights.
1. Information We Collect
We may collect:
Business and contact information
Payment processing details
Personal identifiers (e.g., name, phone, email)
IP address and device/browser data (via cookies)
2. How We Use Your Information
Your data is used to:
Set up and manage your merchant account
Process transactions securely
Provide customer support
Comply with legal and regulatory requirements
Improve our services
3. Data Sharing
We only share data with:
Trusted partners (e.g., payment processors and banks)
Regulatory authorities if legally required
Vendors contracted to support service delivery
We do not sell or rent your personal data.
4. Cookies and Tracking
Our website uses cookies to:
Analyze site usage
Improve user experience
Provide targeted information
You may disable cookies through your browser settings.
5. Data Security
We use encryption, firewalls, and access controls to protect your data. Only authorized personnel may access sensitive information.
6. Your Rights
You have the right to:
Access your personal information
Correct inaccurate information
Request deletion (subject to legal and contractual limitations)
Opt out of non-essential communications
To make a request, contact us at:
📧 barbara@accphi.com
