Terms & Conditions

By purchasing, ordering, subscribing to, accessing, or otherwise using any services provided by Xeloraco ("Xeloraco", "we", "us", "the Company"), the Client acknowledges that they have read, understood, and agreed to these Terms & Conditions, together with our onboarding, compliance and service-standards policy below. Xeloraco serves clients located in various jurisdictions worldwide; because of the international nature of our business, clients may be subject to different regulatory frameworks, compliance obligations, financial-institution requirements, and onboarding standards.

1. Our services

Xeloraco provides professional consulting and advisory services designed to assist businesses in navigating payment acceptance, merchant onboarding, payment-gateway implementation, risk management, compliance preparation, and related business processes. Services may include: payment-gateway consulting; merchant-account consulting; business assessment; documentation guidance; application-preparation assistance; compliance consulting; Know Your Customer (KYC) preparation; merchant-underwriting preparation; risk-evaluation support; technical-integration guidance; processor-matching assistance; banking-relationship consulting; cross-border payment consulting; high-risk merchant consulting; payment-infrastructure advisory; and business-strategy consultation.

The exact scope of services may vary based on the Client's industry, business model, geographic location, regulatory environment, and requirements. Xeloraco does not operate as a bank, financial institution, card network, acquiring institution, payment processor, regulatory authority, or government agency.

2. Professional services, not guaranteed outcomes

The Client acknowledges that Xeloraco provides professional consulting services rather than guaranteed outcomes. Professional consulting inherently involves analysis, recommendations, guidance, advisory support, documentation review, process assistance, communication support, and administrative coordination. Because these services involve professional expertise, research, administrative effort, and the allocation of resources, fees paid to Xeloraco may become earned as services are performed. The value of professional consulting is based on the work performed and expertise provided rather than solely on the final outcome of any application, onboarding process, merchant-account review, compliance assessment, or payment-gateway approval.

3. Definitions

Client — any individual, business, corporation, partnership, organisation, merchant, entrepreneur, representative, agent, or entity that purchases, accesses, requests, or utilises our Services. Services — any consulting, advisory, onboarding, compliance, documentation, technical, administrative, assessment, or related professional services we provide. Third Party — any external organisation not owned or controlled by Xeloraco, including banks, acquiring institutions, payment processors, payment gateways, compliance providers, regulatory authorities, government agencies, technology providers, and verification vendors. Application — any submission, onboarding request, registration, merchant-account application, payment-gateway request, compliance filing, or related process submitted to a third party. Business Day — any day excluding weekends and applicable public holidays in the jurisdiction where the relevant service is provided. Fees — any amounts charged by Xeloraco, including consulting, setup, onboarding, advisory, processing, administrative, subscription, assessment, and related charges.

4. Third-party decisions

Xeloraco is not responsible for decisions made by third parties, which may include application approvals or denials, underwriting decisions, risk assessments, compliance reviews, account limitations, reserve or rolling-reserve requirements, processing restrictions, and account suspensions or closures. Payment processors, acquiring banks, payment gateways, and related institutions possess independent authority to approve, reject, suspend, limit, delay, review, or terminate relationships at their sole discretion. Because such decisions are controlled exclusively by third parties, Xeloraco cannot guarantee any particular outcome.

5. Fees & payment

The Client agrees to pay all fees associated with the requested Services, which may include initial consultation, setup, advisory, professional-service, documentation-review, administrative, processing, technical-support, integration, subscription, and ongoing-support fees. All payments are due according to the payment schedule communicated by Xeloraco unless otherwise agreed in writing. The Client authorises Xeloraco to process payments using approved payment methods and is responsible for keeping payment information current, valid, and accurate. Xeloraco reserves the right to refuse, suspend, or discontinue Services where payment obligations remain outstanding.

6. Currency, taxes & charges

Unless otherwise stated in writing, all fees are quoted and charged in the applicable currency designated by Xeloraco. The Client remains solely responsible for any taxes, duties, transaction costs, banking fees, currency-conversion costs, international or cross-border charges, withholding taxes, regulatory assessments, or governmental charges associated with the purchase of Services. Where applicable law requires the collection of taxes, Xeloraco may collect and remit such amounts as required.

7. Client cooperation & responsiveness

The success of many consulting engagements depends on timely cooperation. The Client agrees to respond to communications promptly, provide accurate information, submit requested documents, provide updated information when requested, cooperate with verification procedures, participate in required consultations, maintain compliance with applicable laws, and notify us of material changes affecting the business. Where requested information is not provided within seven (7) Business Days of a request, the engagement may be delayed, suspended, limited, discontinued, or otherwise impacted.

8. Documentation & ongoing information requests

Documentation requirements may evolve throughout an engagement. Additional requests for information, ownership records, compliance materials, banking records, business-verification documents, financial information, regulatory disclosures, identification materials, or operational records may arise after an engagement has commenced — due to regulatory changes, financial-institution or processor requirements, underwriting standards, risk assessments, industry practices, or compliance obligations. All information submitted must be complete, accurate, current, truthful, legible, verifiable, and authentic. Documents that appear altered, incomplete, misleading, expired, inconsistent, or unverifiable may be rejected, and we may request replacements, clarifications, translations, certifications, or additional verification.

9. KYC, AML & due diligence

KYC, AML, and due-diligence requirements are fundamental to the payment-processing and financial-services ecosystem. Xeloraco may require information relating to business ownership, directors and officers, shareholders, beneficial owners, business activities, product offerings, customer-acquisition methods, transaction volumes, geographic markets, source of funds, source of wealth, banking relationships, and compliance history. KYC reviews may occur multiple times throughout an engagement, and additional information may be required after initial submissions. Xeloraco is not responsible for delays resulting from incomplete or delayed responses to KYC-related requests.

10. Risk assessment & internal review

Xeloraco may conduct internal reviews and assessments of prospective and current clients for operational, compliance, reputational, legal, financial, and risk-management purposes. Such reviews may consider industry classification, business model, transaction patterns, historical processing activity, geographic exposure, regulatory environment, chargeback history, product categories, marketing practices, website quality, customer-support practices, and legal-compliance indicators. Risk assessments may evolve over time, and nothing in any assessment constitutes a guarantee of approval by any third party.

11. Earned fees & refund considerations

Because our Services require the allocation of personnel, expertise, technology, operational resources, research, administrative processing, and professional judgment, certain fees may become earned upon commencement or performance of the applicable Services — including setup activities, consulting, onboarding assistance, documentation review, compliance preparation, administrative processing, application preparation, and technical advisory work. When evaluating refund requests, Xeloraco may consider services already provided, resources already allocated, time already invested, professional work already completed, administrative actions already taken, third-party submissions already initiated, and compliance reviews already performed. Submission of a refund request does not guarantee approval. Delays or unsuccessful outcomes resulting from incomplete, inaccurate, outdated, insufficient, unverifiable, delayed, or missing documentation may affect refund eligibility.

12. Resource allocation & non-reversible work

Xeloraco allocates personnel, operational resources, administrative support, consulting expertise, technical resources, and professional time to each engagement, often beginning immediately after onboarding. Certain activities cannot reasonably be reversed once completed — including professional consultations, strategic planning, documentation reviews, compliance preparation, administrative processing, internal assessments, research, technical evaluations, and third-party coordination. Compensation paid for professional services may therefore become earned progressively as services are performed and work is completed.

13. Limitation of liability

To the fullest extent permitted by applicable law, Xeloraco, its affiliates, officers, directors, employees, contractors, consultants, representatives, agents, licensors, successors, and assigns shall not be liable for any indirect, incidental, special, exemplary, punitive, consequential, or economic damages arising out of or relating to the Services — including loss of revenue, profits, anticipated profits, opportunities, business relationships, contracts, goodwill, reputation, or data, or business interruption, operational disruption, regulatory or compliance costs, financing losses, or banking losses. Under no circumstances shall Xeloraco be responsible for decisions, actions, omissions, policies, delays, suspensions, restrictions, reviews, reserves, account holds, or account closures taken by any third-party provider.

14. Maximum liability cap

To the fullest extent permitted by applicable law, the total cumulative liability of Xeloraco arising from or relating to any claim, dispute, service engagement, transaction, or business relationship shall not exceed the total amount of fees actually paid by the Client directly to Xeloraco during the three (3) months immediately preceding the event giving rise to the claim, regardless of legal theory, cause of action, or the number of claims, incidents, or parties involved.

15. Indemnification

The Client agrees to defend, indemnify, and hold harmless Xeloraco and its affiliates, officers, directors, employees, contractors, consultants, partners, agents, licensors, successors, and assigns from and against any claims, liabilities, damages, losses, penalties, fines, judgments, costs, expenses, or legal fees arising from or related to the Client's business operations, products or services, violation of applicable laws, breach of these Terms, inaccurate information or misrepresentations provided by the Client, regulatory investigations or intellectual-property disputes involving the Client, customer complaints, or third-party claims arising from the Client's conduct. This obligation survives termination.

16. Force majeure

Xeloraco shall not be liable for any delay, interruption, failure, or inability to perform resulting from circumstances beyond its reasonable control, including natural disasters, floods, earthquakes, fires, storms, pandemics or public-health emergencies, government actions, regulatory changes, armed conflicts, civil unrest, labour disputes, utility or internet failures, telecommunications failures, cybersecurity incidents, third-party service interruptions, and banking disruptions. During such events, Xeloraco may suspend or modify Services without liability.

17. Service suspension & restrictions

Xeloraco reserves the right to suspend, restrict, pause, or limit Services where it reasonably believes that information provided is inaccurate, documentation is incomplete, compliance concerns or fraud indicators are present, regulatory issues arise, cooperation requirements are not satisfied, or additional verification is necessary. Suspension may remain in effect until requested information is received and reviewed. Xeloraco shall not be responsible for losses, delays, costs, missed opportunities, or business interruptions resulting from suspension under this section.

18. Termination & effect of termination

Xeloraco may terminate Services immediately upon written notice where material breaches occur, fraud is suspected, false information is provided, compliance or regulatory concerns arise, payment obligations remain outstanding, or continued engagement presents unacceptable risk. Upon termination, access to Services may cease, active work may stop, pending engagements may be closed, files may be archived, and communications may be discontinued. Termination does not affect rights, obligations, liabilities, or remedies that accrued prior to termination, and sections intended to survive termination shall remain in effect.

19. Payment disputes

If the Client believes a billing error has occurred, the Client shall notify Xeloraco promptly with sufficient information to allow investigation, and the parties agree to attempt good-faith resolution before initiating formal proceedings. The Client agrees not to misuse dispute procedures, payment-reversal mechanisms, or banking-complaint systems to avoid legitimate payment obligations.

20. Chargebacks & payment reversals

The Client agrees to contact Xeloraco before initiating any chargeback, payment reversal, banking dispute, cardholder dispute, ACH reversal, or similar challenge. Where permitted by law, Xeloraco reserves the right to provide supporting documentation, communications, invoices, agreements, service records, and engagement history to financial institutions reviewing a dispute. Initiation of a payment dispute does not automatically suspend the Client's contractual obligations.

21. Dispute resolution & arbitration

The parties agree to attempt to resolve disputes through good-faith negotiation before pursuing formal proceedings, providing written notice describing the nature of the dispute, relevant facts, supporting documentation, and the requested resolution. To the extent permitted by applicable law, disputes may be resolved through binding arbitration rather than court proceedings, conducted by a mutually acceptable provider; each party bears its own legal expenses unless the arbitrator determines otherwise. Nothing prevents either party from seeking temporary injunctive relief to protect legal rights.

22. Class-action waiver

To the fullest extent permitted by applicable law, disputes shall be brought on an individual basis. Neither party shall participate in class actions, collective actions, representative actions, or mass-arbitration proceedings. If any portion of this section is found unenforceable, the remaining provisions shall remain in effect to the maximum extent permitted by law.

23. International clients & regulatory changes

Xeloraco provides Services to clients in multiple jurisdictions. Laws, regulations, banking requirements, compliance standards, licensing obligations, consumer-protection rules, and payment-industry requirements vary across jurisdictions, and the Client remains responsible for understanding and complying with the requirements applicable to its location, business activities, customers, products, services, and markets. Nothing in these Terms constitutes legal advice. Regulatory frameworks evolve continuously, and Xeloraco shall not be responsible for impacts resulting from regulatory changes beyond its reasonable control.

24. Assignment

The Client may not assign, transfer, delegate, or otherwise dispose of rights or obligations under these Terms without prior written consent from Xeloraco. Xeloraco may assign or transfer its rights and obligations in connection with corporate reorganisations, mergers, acquisitions, asset sales, or internal restructurings. Any unauthorised assignment by the Client is void to the extent permitted by law.

25. Severability, no waiver & entire agreement

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be enforced to the maximum extent permitted by law while preserving the original commercial intent. Failure by Xeloraco to enforce any provision does not constitute a waiver; any waiver must be expressly made in writing. These Terms, together with any applicable service agreements, order forms, statements of work, written amendments, policies, and incorporated documents, constitute the complete agreement between the parties and supersede prior discussions, communications, understandings, proposals, and representations relating to the same subject matter.

26. Amendments & notices

Xeloraco reserves the right to update, modify, revise, supplement, or replace these Terms from time to time. Updated versions may be posted on our website or otherwise communicated to clients, and continued use of the Services following the effective date of updated Terms may constitute acceptance. Notices may be delivered by email, website publication, customer portals, electronic messaging, or other reasonable methods, and are deemed effective upon transmission unless applicable law requires otherwise. The Client remains responsible for keeping contact information accurate and current.

27. Governing principles & relationship

These Terms shall be interpreted in a commercially reasonable manner consistent with international business practices, payment-industry standards, applicable legal requirements, and principles of good faith and fair dealing. Nothing in these Terms creates guarantees, warranties, fiduciary obligations, partnerships, joint ventures, agency relationships, or employment relationships not expressly established in writing. Unless expressly agreed in writing, Xeloraco does not serve as legal counsel, financial advisor, investment advisor, or agent of the Client, and the Client remains responsible for obtaining independent professional advice where appropriate.

28. Onboarding, compliance & service standards

Our Merchant Onboarding, Compliance, and Service Standards form an integral part of this agreement and apply to all prospective, current, and former clients. Clients must satisfy eligibility requirements determined by Xeloraco from time to time, at our sole discretion. Prior to commencing certain Services we may conduct an initial review of the Client's business to determine appropriate service recommendations and resource allocation; completion of a review does not constitute approval, certification, endorsement, or guarantee. Clients may be required to complete onboarding procedures before receiving certain Services, and we may modify onboarding requirements as necessary. We may periodically review engagements through documentation reviews, process evaluations, compliance checks, communication reviews, service assessments, and operational audits to maintain service quality, compliance, and risk-management objectives. Where extended periods of inactivity occur, files may be placed on hold, archived, suspended, or administratively closed. In the event of a conflict between this section and a separately executed written agreement signed by both parties, the written agreement controls solely with respect to the conflicting provisions.

29. Contact

Questions regarding these Terms may be directed to Xeloraco LLC, 2nd Floor, RMS Complex, Thangmeiband, Imphal West, Manipur 795001, India. Email: support@gatewaybridge.com.

By accessing, purchasing, requesting, or using Services provided by Xeloraco, the Client acknowledges that they have read, understood, and agreed to these Terms & Conditions.