Terms of Service

Agreement to Terms

Welcome to Sterling Synergy Capital LLC ("Sterling Synergy," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of our payment services, website, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not use our Services. Please read these Terms carefully before using our Services.

1. Acceptance of Terms

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using our Services on behalf of a company or other entity, you represent and warrant that you have the authority to bind that entity to these Terms.

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to our website. Your continued use of our Services after any modifications constitutes your acceptance of the updated Terms.

2. Description of Services

Sterling Synergy provides international payment and financial services, including but not limited to:

• International payment processing and settlement
• Multi-currency account management
• Foreign exchange (FX) and treasury services
• Currency conversion and hedging solutions
• Payment gateway and integration services
• Related financial and consulting services

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

3. Eligibility and Account Registration

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Provide accurate, current, and complete information during registration
• Maintain and update your account information to keep it accurate and current
• Comply with all applicable laws and regulations

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Account Security and Verification

To protect the security of our Services and comply with regulatory requirements, we may require you to:

• Provide identification documents and business information
• Complete Know Your Customer (KYC) verification procedures
• Implement multi-factor authentication
• Update your information periodically

We reserve the right to suspend or terminate your account if you fail to complete verification requirements or if we suspect fraudulent activity.

5. Fees and Payment Terms

Our Services are subject to fees, which are outlined in our fee schedule available on our website or provided to you upon request. By using our Services, you agree to pay all applicable fees.

• Transaction Fees: Fees for payment processing, currency conversion, and other services
• Account Fees: Monthly maintenance fees, inactivity fees, and other account-related charges
• FX Spreads: Differences between buy and sell exchange rates
• Additional Fees: Fees for special services, expedited processing, or other value-added services

We reserve the right to change our fees at any time with prior notice. Continued use of our Services after fee changes constitutes acceptance of the new fees.

6. Payment Processing and Settlement

When you use our payment processing services, you agree to the following terms:

• Authorization: You authorize us to process payments on your behalf according to your instructions
• Settlement Times: Settlement times vary by destination, currency, and payment method
• Accuracy: You are responsible for ensuring payment details are accurate before submission
• Irrevocability: Once submitted, payments may not be cancelled or reversed without our consent
• Liability: We are not liable for losses resulting from incorrect payment information provided by you

7. Foreign Exchange Services

Our FX services are provided subject to the following terms:

• Market Rates: Exchange rates are determined by market conditions and may fluctuate
• Rate Locking: Rates are locked at the time of transaction execution unless otherwise agreed
• Hedging Products: Forward contracts and options are subject to additional terms and conditions
• Market Risk: You assume all risks associated with currency fluctuations

8. User Responsibilities and Conduct

By using our Services, you agree to:

• Use our Services only for lawful purposes and in accordance with these Terms
• Not use our Services for any illegal, fraudulent, or unauthorized activities
• Not attempt to gain unauthorized access to our systems or other users' accounts
• Not interfere with or disrupt our Services or servers
• Not transmit viruses, malware, or other harmful code through our Services
• Not use our Services to violate any applicable laws or regulations
• Comply with all sanctions, export controls, and other regulatory requirements

9. Prohibited Activities

You may not use our Services for any of the following prohibited activities:

• Money laundering, terrorist financing, or other financial crimes
• Transactions involving sanctioned countries, entities, or individuals
• Fraudulent transactions or payment fraud
• Illegal gambling or gaming activities
• Purchase of illegal goods or services
• Tax evasion or other illegal tax activities
• Any activity that violates applicable laws or regulations

We reserve the right to refuse, block, or reverse any transaction that we suspect violates these prohibitions.

10. Compliance and Regulatory Requirements

You agree to comply with all applicable laws, regulations, and industry standards, including:

• Anti-Money Laundering (AML) laws and regulations
• Counter-Terrorist Financing (CTF) requirements
• Office of Foreign Assets Control (OFAC) sanctions
• Know Your Customer (KYC) requirements
• Bank Secrecy Act (BSA) and related regulations
• International payment and financial regulations

We may report suspicious activities to relevant authorities as required by law.

11. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to our data practices as described in our Privacy Policy.

12. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, software, and designs, are the exclusive property of Sterling Synergy Capital LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, modify, distribute, or create derivative works of any content from our Services without our prior written consent.

13. Disclaimers and Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT OF THIRD-PARTY RIGHTS
• ACCURACY, TIMELINESS, OR COMPLETENESS OF INFORMATION
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OF DATA TRANSMISSIONS

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STERLING SYNERGY CAPITAL LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR BUSINESS OPPORTUNITIES, ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM.

15. Indemnification

You agree to indemnify, defend, and hold harmless Sterling Synergy Capital LLC and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of our Services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights

16. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, with or without prior notice. Upon termination:

• Your right to use our Services will immediately cease
• We may delete your account and all associated data
• You remain liable for all obligations incurred prior to termination

You may terminate your account at any time by contacting our customer support team. All fees are non-refundable unless otherwise specified.

17. Dispute Resolution

Any disputes arising from or related to these Terms or our Services shall be resolved as follows:

• Informal Resolution: First attempt to resolve the dispute through good faith negotiation
• Mediation: If informal resolution fails, parties agree to submit to mediation
• Arbitration: Unresolved disputes shall be resolved by binding arbitration under the rules of the American Arbitration Association

Arbitration shall be conducted in California, and the arbitrator's decision shall be final and binding. Each party shall bear its own costs of arbitration.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in California.

19. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

20. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Sterling Synergy Capital LLC.

21. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Sterling Synergy Capital LLC regarding your use of our Services. These Terms supersede all prior agreements and understandings between the parties.

22. Contact Information

If you have any questions about these Terms, please contact us:

• Email: STERLINGSYNERGYCAPITALLLC@gmail.com
• Phone: (646) 427-7493
• Address: Limited Liability Company - CA