Terms & Conditions
These Terms of Service (the “Terms”) form a legal contract (the “Agreement”) between Demroo.com (“Demroo” or “Provider”) and the person or company listed as the “Merchant” on the Application page (referred to as “you,” “your,” or “user”). You acknowledge and agree to be bound by these terms and conditions by using Demroo’s services. You should not use Demroo’s services if you disagree with these terms. Your acceptance of these terms is indicated by your continuous usage of our services.
1. Service Description
The phrase “Demroo service,” “our service,” or “the service” describes the eCheck processing services that Demroo offers, in which the Merchant uses our software or portal to create eChecks in response to electronic requests sent through our authorized portal. If the merchant requests it, Demroo or its approved partners may make it easier to provide check images electronically via our platform. Please be aware that Demroo does not handle any money transfers or function as a check processing company. We don’t use ACH networks or function as an ACH processor.Demroo will not be responsible for any related bank fees and does not guarantee that any checks will be cleared.You understand that Demroo is not a third-party payment processor, bank, or other financial organization.
2. Modifications to Terms of Service
These Terms of Service are subject to change at any moment by Demroo. These changes will take effect as soon as they are published. For existing customers, changes will take effect 30 days after notification, unless otherwise stated.
3. Privacy
Our Privacy Policy, which is referenced in this Agreement, governs your personal information. You acknowledge receiving, reading, and agreeing to our Privacy Policy, which is linked to and included in this Agreement, by using our services.
4. Acceptance and Qualification
Based on our defined Underwriting Guidelines, Demroo has complete discretion over whether applicants are eligible for our services.
5. Personal Guarantee
The person signing the application (referred to as the “Merchant”) unconditionally guarantees, both individually and jointly, the execution of all obligations under this agreement and the payment of all monies due in exchange for Demroo’s approval of this agreement. Any fees that apply are still the merchant’s sole responsibility.
6. Use of Deposit Service
The merchant agrees that eChecks generated by Demroo’s software comply with the Uniform Commercial Code. Depositing these cheques into their own bank account is entirely the merchant’s obligation.Requests to deposit eChecks into the merchant’s bank account will not be handled by Demroo.
7. Security and Verification Procedures
The merchant is aware that while Demroo’s security and verification services are intended to reduce errors, they might not be able to identify every inaccuracy in the content or transmission of eChecks. Any errors must be found, fixed, and reported to Demroo by the Merchant in accordance with this Agreement. The Merchant acknowledges that any eCheck instructions submitted in the Merchant’s name and approved by Demroo will be legally enforceable, and that our security and verification processes are economically acceptable.
8. Unauthorized Account Activity
All actions taken under the merchant’s account, whether permitted or not, are entirely their responsibility. The merchant commits to promptly informing Demroo of any suspected or actual unauthorized use of their account.
9. Fraudulent Checks
The merchant attests to the accuracy and veracity of all financial institution information given to Demroo, including account and routing numbers. The Merchant understands that while though Demroo uses security and verification methods that are commercially reasonable, not all fraudulent checks may be caught by them. Demroo will not be subject to legal or criminal liability for any checks that were fraudulent.
10. Returned Items
All of the financial account information that the Merchant gives Demroo is entirely their responsibility. Any NSF fees or other administrative or punitive costs incurred by a financial institution as a result of returned checks—whether for lack of money, a stop payment, a closed account, or another reason—will not be covered by Demroo.
11. Restricted Use
Demroo will not intentionally offer services to any person or group engaged in unlawful activity in the United States or that is inconsistent with our business standards. Any merchant account that would exploit our services fraudulently or illegally may be rejected by us at any time. Regarding the given goods or services, the merchant pledges to abide by all relevant laws and rules. The merchant is not allowed to share any material that is illegal, damaging, or exploitative. The merchant pledges not to access any unapproved items or information and to use Demroo’s services only for the reasons for which they were designed. Demroo’s services cannot be resold or used for commercial purposes without express written approval. Account suspension or termination, as well as possible legal action, may follow violations.
12. Security and Fraud Protection
Demroo is dedicated to protecting personal information. To safeguard information kept on our servers or those of our Authorized Third-Party Vendors, we put in place administrative, technical, and physical safeguards. Even while we work hard to protect your data, we cannot ensure that unauthorized parties won’t be able to access it. Giving personal information means you understand and agree to these risks. For more on how we gather, utilize, and safeguard your information, please refer to our Privacy Policy.
13. Account Access and Passwords
It is your responsibility to keep your password and account access private. You are in charge of their transactions if you allow Authorized Users or other people to use your account. Please contact us right away at support@paycron.com or +1-800-982-1372 if you believe there has been any unwanted access.
14. Efforts for Timely Payments
There may be uncontrollable delays in payment transactions, like those brought on by delivery services or financial institutions. Any late fees resulting from these delays are not our responsibility. We try our best to verify checks, but we cannot guarantee that money will be available or that your client’s bank account status will not change.
15. Disclosures and Notifications
The email address associated with your Demroo Account may be used to receive disclosures and notices pertaining to the Service. Unless otherwise noted, electronic notices are deemed received 24 hours after they are sent.
16. Cancellation
You can discontinue your Demroo subscription whenever you like, but there won’t be any reimbursements for unused prepaid services or partial months. Please send an email to support@demroo.com to cancel. Annual Security costs are required at the time of termination, and cancellation costs may apply.
17. Termination
In the event that your risk profile, legal status, customer complaints, or other circumstances change, Demroo has the right to discontinue your services and access to our software, site, or gateway. Access to the Service will end instantly upon termination. Partial credits cannot be refunded, and the remaining fees must be paid right away. You still have duties under this agreement even if you terminate.
You commit to the following upon termination: (i) Stop using the Service; (ii) Stop using Demroo’s trademarks; (iii) Take down all references to or logos of Demroo from your website; (iv) The license provided under this Agreement expires; (v) We have the right to remove all of your data and account information; (vi) We are not responsible for any damages; and (vii) You are still responsible for any fees.
18. Your Responsibilities
All claims, penalties, fees, fines, and liabilities resulting from your use of the Service and any violation of this Agreement are your responsibility. You commit to defending Demroo and its affiliates against any lawsuits or legal obligations brought about by your violation, carelessness, or wrongdoing.
19. Representations and Warranties
You affirm and guarantee that: (a) you are at least eighteen years of age if you are a natural person; (b) you are of legal age to use the Service and have the right to enter into this Agreement; (c) the name you use is correct; and (d) any information you give Demroo is up-to-date and accurate.
20. No Warranties
Demroo offers all of its services and information “As-Is” and “As Available.” All stated and implied guarantees, including merchantability and fitness for a particular purpose, are disclaimed by us.
21. Choice of Law
The laws of the State of California, notwithstanding its conflict of law provisions, govern these terms and conditions. Binding arbitration will be used to settle any disagreements.
22. Arbitration
The American Arbitration Association’s rules will govern the binding arbitration process used to resolve disputes. The expense of arbitration will be borne by each side.
23. Right to Amend
Demroo maintains the right to change these terms whenever it wants. Acceptance of the updated Terms is indicated by your continued use of the Service following revisions.
24. Assignment
We may assign this Agreement without limitation, but you may not assign it without our prior written consent.
25. Parties
This Agreement binds you and your heirs, representatives, successors, and permitted assigns.