Terms of Service

1. Who we are

MatterPay ("MatterPay," "we," "us," or "our") is a product of Bloatweiler, LLC DBA MatterPay. These Terms of Service ("Terms") govern access to and use of MatterPay's website, application, and related services (collectively, the "Service") by law firms and their authorized users ("you" or "your"). By creating an account, accessing the application, or using a MatterPay-hosted payment page, you agree to these Terms.

2. The Service

MatterPay is payment-operations software built for law firms. It provides a virtual terminal, payment links, invoices, client financing referrals, payment plans, trust and operating ledgers, reconciliation-ready reporting, and time and billing. MatterPay is software — it is not a bank, a money transmitter, a payment processor, a lender, or a law firm, and it does not hold or transmit funds on its own behalf.

3. Accounts and acceptable use

You must provide accurate account and firm information and keep your login credentials confidential. You're responsible for all activity under your account, including actions taken by users your firm authorizes. You agree not to use the Service for any unlawful purpose, to process payments you are not entitled to collect, to attempt to circumvent the Service's security, or to interfere with its normal operation.

4. Payment processing

All card and ACH payments made through the Service are processed by Finix Payments, Inc. ("Finix"), not by MatterPay. Cardholder data is entered in Finix's hosted payment fields (Finix.js) and is transmitted to Finix — it never touches MatterPay's servers. Stored cards live in Finix's vault as tokens. MatterPay stores only a token reference, the card brand, and the last four digits.

Your use of card processing is subject to your merchant processing agreement with Finix and the card-network rules that apply to it. MatterPay is not a party to, and is not responsible for, Finix's approval, underwriting, settlement, payout, refund, or dispute decisions.

Finix settles each merchant according to that merchant's payout profile. By default Finix pays out net of fees. A gross payout profile — full deposits to one bank account and fees debited from another — is a Finix payout setting on the merchant, not a per-sale instruction MatterPay sends with the charge. Chargebacks, refunds, and negative balances are settled by Finix against the merchant that processed the original payment. MatterPay's own ledgers keep trust and operating activity separate; those ledgers are records, not Finix settlement instructions.

5. Client financing

Client financing is offered by ePay Management LLC ("ePay"), who is the broker and holds the lending relationship. MatterPay refers your clients to ePay through a tracked application link. We do not collect a consumer's Social Security number, date of birth, or income for a financing application, and we do not render lender offers. ePay sets lending terms and charges your firm its program fee (currently 5% of the amount funded). MatterPay receives a referral fee from ePay when a firm we introduce is funded. That referral is not an additional charge to your client.

6. Fees

MatterPay subscription fees are billed per firm, not per seat, and are disclosed during onboarding or in your order form:

• Payments — $199 per month. Cards, invoices, payment links, virtual terminal, in-house payment plans, client-financing referrals, trust and operating ledgers, and banking records.
• Practice — $499 per month. Everything in Payments, plus time and billing and the full team workspace.

Founding firms lock their subscription rate. Processing fees charged by Finix, and financing fees charged by ePay, are separate from MatterPay subscription fees and are set when your firm boards with those partners. We may update subscription fees with notice as described in Section 12.

7. Refunds

Refunds of client payments are issued by the law firm that charged the payment, not by MatterPay. If a client believes they were charged in error, they should contact the firm they paid directly — MatterPay does not have authority to initiate or reverse a charge on a firm's behalf.

8. Trust accounting responsibility

MatterPay provides record-keeping tools — trust ledger tracking, trust/operating labels, and reconciliation-ready reports — to help your firm manage client funds. These tools do not constitute legal, accounting, or IOLTA compliance advice, and MatterPay does not certify compliance with any jurisdiction's trust accounting rules. Responsibility for complying with applicable trust accounting and bar rules remains solely with your firm at all times.

9. Data

We do not sell your firm's data, your clients' data, or anyone's personal information — not to data brokers, advertising networks, public datasets, or anyone else. How we collect, use, and share information is described in our Privacy Policy.

10. Service availability

We aim to keep the Service reliably available but do not guarantee uninterrupted or error-free operation. The Service may be unavailable for maintenance, updates, or causes outside our control, including outages at our hosting, payment processing, or other service providers.

11. Limitation of liability

To the fullest extent permitted by law, Bloatweiler, LLC will not be liable for indirect, incidental, special, or consequential damages, or for lost profits or data, arising from your use of the Service. MatterPay's total liability for any claim arising out of the Service is limited to the fees you paid to MatterPay for the Service in the three months preceding the claim.

12. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we'll update the effective date above and, where appropriate, notify account administrators. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Termination

You may stop using the Service at any time. We may suspend or terminate access to the Service for violation of these Terms, for non-payment, or where required by our payment processor or applicable law. Provisions that by their nature should survive termination — including Sections 4, 5, 7, 8, 9, and 11 — will survive.

14. Governing law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law principles.

15. Contact

Questions about these Terms can be sent to support@usematterpay.com.