Last Updated: February 11, 2026
These Terms of Service (“Terms”) govern your access to and use of the website located at https://freedompaymentshq.com (the “Site”) and any related content, courses, coaching, community areas, resources, templates, downloads, services, or features offered by Freedom Payments University (“FPU,” “we,” “us,” or “our”).
By accessing or using the Site, creating an account, purchasing a course, or participating in any FPU program, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. About FPU
FPU provides training, educational content, and business resources related to merchant services, payment processing, sales training, operations, and related business topics.
FPU is an education and training platform. Unless explicitly stated in a written agreement signed by FPU, nothing on the Site is an offer to provide regulated financial services, payment processing services, banking services, or legal or compliance services.
2. Eligibility
You must be at least 18 years old and able to form a legally binding contract to use the Site. If you are using the Site on behalf of a company, you represent that you have authority to bind that company to these Terms.
3. Use of the Site
You agree not to:
• Violate any applicable laws or regulations
• Share login credentials or allow unauthorized users to access paid content
• Copy, record, reproduce, resell, or redistribute course materials without permission
• Attempt to gain unauthorized access to systems or data
• Harass or abuse other users in any community area
We reserve the right to suspend or terminate access to the Site for violations of these Terms.
4. Educational Disclaimer
All content on the Site is provided for educational and informational purposes only. Nothing on the Site constitutes legal, tax, financial, or compliance advice. You are responsible for your own business decisions and results.
5. No Earnings Guarantees
FPU does not guarantee any specific earnings, approvals, or business outcomes. Results depend on many factors including effort, skill, compliance, and market conditions.
6. Accounts, Purchases, and Payments
Certain services may require payment. Pricing and billing terms will be provided at checkout. Refund eligibility (if any) will be governed by the specific offer terms. If no refund policy is provided, purchases are considered final to the extent permitted by law.
7. Third-Party Services
FPU may reference or facilitate access to third-party tools, processors, banks, CRMs, or software. FPU is not responsible for third-party services, performance, or disputes.
8. Intellectual Property
All Site content including videos, text, templates, graphics, and trademarks are owned by or licensed to FPU and protected by intellectual property laws. You are granted a limited, non-transferable license for internal business education use only.
9. Privacy
Your privacy is important to us. FPU will publish a separate Privacy Policy on the Site. By using the Site, you acknowledge that your information will be handled in accordance with our Privacy Policy once published.
10. SMS Communications
By providing your mobile phone number to FPU through the Site, enrollment forms, event registrations, checkout pages, or other communications, you consent to receive SMS (text) messages from Freedom Payments University.
Description of SMS Use Cases
FPU may use SMS messaging for purposes including, but not limited to:
• Account notifications and login verification
• Program enrollment confirmations and onboarding instructions
• Course reminders and coaching session notifications
• Event updates and schedule changes
• Customer support communications
• Promotional messages regarding new courses, trainings, offers, or events
• Community updates and important announcements
Message frequency may vary depending on your level of engagement, purchases, and account activity.
Opt-Out Instructions
You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us. After you send STOP, you may receive a confirmation message verifying your opt-out status. You will no longer receive SMS messages unless you re-enroll.
For assistance, reply HELP to any message or contact us using the contact information provided on the Site.
Opting out of promotional messages will not prevent you from receiving transactional or account-related communications where permitted by law.
Message & Data Rate Disclosure
Message and data rates may apply to any SMS messages sent or received. Fees are determined by your mobile carrier and your individual mobile plan. FPU is not responsible for any charges imposed by your carrier.
Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and is not guaranteed by FPU.
11. Disclaimer of Warranties
The Site is provided 'as is' and 'as available.' FPU disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
12. Limitation of Liability
To the maximum extent permitted by law, FPU shall not be liable for indirect, incidental, or consequential damages, including loss of profits or data.
13. Changes to Terms
FPU may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the updated Terms.
14. Contact Information
For questions regarding these Terms, please contact Freedom Payments University through the contact information provided on https://freedompaymentshq.com.