Terms & Conditions
Last updated June 24, 2026
These Terms & Conditions (“Terms”) govern your use of the Mosaic Processing website (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
About our services
Mosaic Processing provides payment processing consulting and merchant services. Information on this Site is provided for general informational purposes. Submitting an application or inquiry does not create a processing account or guarantee approval — all accounts are subject to review and underwriting by the relevant payment processors and partners.
Eligibility
You must be at least 18 years old and authorized to act on behalf of the business you represent to submit an application through the Site.
Applications and submissions
When you submit information through our form, you agree that the information you provide is accurate and complete to the best of your knowledge. Submitting the form is a request for a review or proposal; it is not a binding contract and does not obligate either party until a separate written agreement is signed.
No professional advice; estimates are illustrative
Content on the Site, including any savings estimator or rate figures, is illustrative only and does not constitute a quote, an offer, or financial, legal, or tax advice. Actual rates, fees, and terms depend on your business, transaction profile, and processor underwriting. You should rely on a written proposal and agreement for actual terms.
Intellectual property
The Site and its content — including text, graphics, logos, and design — are owned by or licensed to Mosaic Processing and are protected by applicable laws. You may not copy, reproduce, or distribute Site content without our prior written permission, except as allowed for your own personal, non-commercial reference.
Third-party links and content
The Site may link to or embed third-party content, such as LinkedIn posts or downloadable resources. We are not responsible for the content, accuracy, or practices of third-party sites and services, and your use of them is at your own risk and subject to their terms.
Disclaimer of warranties
The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
Limitation of liability
To the fullest extent permitted by law, Mosaic Processing and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Site or reliance on its content.
Indemnification
You agree to indemnify and hold harmless Mosaic Processing from any claims, damages, or expenses arising out of your misuse of the Site or violation of these Terms.
Your processing agreement
Any payment processing services you obtain through Mosaic are governed by a separate written agreement between you and the applicable processor or Mosaic, including that agreement’s pricing, terms, and conditions. Nothing on this Site modifies or replaces those agreements; in the event of a conflict, the signed agreement controls.
Acceptable use
You agree to use the Site only for lawful purposes and not to: violate any applicable law or regulation; submit false, misleading, or fraudulent information; attempt to gain unauthorized access to the Site or its systems; interfere with the Site’s operation or security; or use automated means to scrape or harvest content or data without our permission.
Termination
We may suspend, restrict, or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms or for any other reason. The sections of these Terms that by their nature should survive termination will continue to apply.
Governing law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Any disputes will be subject to the exclusive jurisdiction of the state and federal courts located in Illinois.
Dispute resolution and arbitration
Please read this section carefully — it affects your legal rights. Except where prohibited by law, any dispute or claim arising out of or relating to these Terms or your use of the Site that cannot be resolved informally will be resolved by binding arbitration on an individual basis, rather than in court, administered under the rules of a recognized arbitration provider in Illinois. You and Mosaic waive the right to a jury trial and the right to participate in a class action or class-wide arbitration. Either party may still seek relief in small-claims court for qualifying claims. If any portion of this section is found unenforceable, the remainder will continue to apply.
Electronic communications
By using the Site or contacting us, you consent to receive communications from us electronically, and you agree that electronic communications, agreements, and notices satisfy any legal requirement that such communications be in writing.
Miscellaneous
These Terms, together with any policies referenced here, are the entire agreement between you and Mosaic regarding the Site and supersede any prior understandings. If any provision is found unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
Changes to these Terms
We may update these Terms from time to time. The “Last updated” date above reflects the latest version. Your continued use of the Site after changes are posted means you accept the updated Terms.
Contact us
Questions about these Terms? Email webform@mosaicprocessing.net or write to Mosaic Processing, 5500 Pearl St, Suite 250, Rosemont, IL 60018, United States.