Terms of Use

Last updated: July 20, 2026

1. Acceptance

By using this website you agree to these Terms. If you do not agree, please do not use the site.

2. Use of the site

You agree to use the site lawfully and not to misuse, disrupt, or attempt unauthorized access to it.

3. No financial advice; estimates

Content on this site, including savings estimates and rate examples, is for general information only and is not a guarantee. Actual rates and savings depend on your business and a review of your statements.

4. Intellectual property

The KIPKO name, logo, and site content are owned by KIPKO Inc. or its licensors and may not be used without permission.

5. Third-party marks

Clover® is a registered trademark of Clover Network, Inc. ProCharge® and eGift Solutions® are products of their respective owners. Use of these names does not imply endorsement.

6. Limitation of liability

The site is provided "as is" without warranties. To the extent permitted by law, KIPKO is not liable for damages arising from use of the site.

7. Contact

Questions about these Terms? Email bogdan@kipko.biz or call 949.413.2728.