Privacy & Terms and Conditions of Use
Last Updated: 12/26/2025
These Terms and Conditions of Use (“Terms”) govern your access to and use of the website located at https://www.cocard.com (the “Website”), owned and operated by CoCard Business (“CoCard,” “we,” “us,” or “our”).
By accessing or using this Website, you agree to be legally bound by these Terms. If you do not agree, do not use this Website.
1. No Professional, Financial, or Legal Advice
All information provided on this Website is for general informational purposes only. Nothing on this Website constitutes, or should be construed as:
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Financial advice
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Legal advice
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Tax advice
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Payment processing advice
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Compliance, PCI, or regulatory guidance
You should not rely on any information on this Website without independently verifying it and consulting with qualified professionals.
2. No Guarantees or Warranties
This Website and all content are provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express or implied.
CoCard Business expressly disclaims all warranties, including but not limited to:
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Accuracy, completeness, or reliability of content
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Merchant approval, pricing, savings, or rate outcomes
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System availability or uptime
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Error-free or uninterrupted access
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Fitness for a particular purpose
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Non-infringement
We make no guarantees regarding results, performance, approval, cost savings, or suitability of any services referenced on this Website.
3. Limitation of Liability
To the maximum extent permitted by law, CoCard Business, its owners, officers, employees, contractors, partners, and affiliates shall not be liable for any damages of any kind, including but not limited to:
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Direct or indirect damages
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Incidental or consequential damages
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Loss of profits, revenue, data, or business
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System downtime or service interruption
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Security breaches or unauthorized access
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Errors, omissions, or inaccuracies
This applies whether the claim arises from contract, tort, negligence, strict liability, or otherwise, even if CoCard has been advised of the possibility of such damages.
4. Third-Party Services and Links
This Website may reference or link to third-party websites, software, processors, banks, card networks, or service providers.
CoCard Business:
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Does not control third-party content
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Makes no representations or warranties about third parties
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Is not responsible for third-party policies, services, outages, or actions
Your use of third-party services is entirely at your own risk and subject to their own terms and conditions.
5. No Offer or Contract Formation
Nothing on this Website constitutes:
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A binding offer
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A commitment to provide services
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A guarantee of approval or pricing
All services are subject to:
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Separate written agreements
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Underwriting, compliance, and approval
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Processor, bank, and card network rules
No contractual relationship is formed solely by visiting or contacting us through this Website.
6. User Responsibility
By using this Website, you agree that:
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You are solely responsible for how you use the information provided
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You will not misuse, scrape, copy, or attempt to exploit the Website
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You will comply with all applicable laws and regulations
Unauthorized use may result in termination of access and legal action.
7. Intellectual Property
All content on this Website — including text, logos, graphics, layouts, and branding — is the exclusive property of CoCard Business or its licensors and is protected by intellectual property laws.
You may not reproduce, distribute, modify, or use any content without prior written permission.
8. Indemnification
You agree to indemnify, defend, and hold harmless CoCard Business and its affiliates from any claims, damages, liabilities, costs, or expenses arising from:
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Your use of the Website
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Your violation of these Terms
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Your reliance on Website content
9. Changes to These Terms
CoCard Business reserves the right to modify these Terms at any time without notice. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
10. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the courts located in California.
11. Contact Information
If you have questions regarding these Terms:
CoCard Business
807 Douglas Blvd, Suite 100
Roseville, CA 95678
Email: support@cocard.com
Privacy Notice
This privacy notice discloses the privacy practices for (www.cocard.com). This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following: What information we collect; With whom it is shared; How it can be corrected; How it is secured; How policy changes will be communicated; and How to address concerns over misuse of personal data.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g., to ship an order. Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number provided on our website: See what data we have about you, if any. Change/correct any data we have about you. Have us delete any data we have about you. Express any concern you have about our use of your data.
Security
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g, billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.
Cookies
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance their experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
Notification of Changes
Whenever material changes are made to the privacy notice we will notify our customers via email address on file.
Other Provisions as Required by Law
Numerous other provisions and/or practices may be required as a result of laws, international treaties, or industry practices. It is up to you to determine what additional practices must be followed and/or what additional disclosures are required. Please take special notice of the California Online Privacy Protection Act (CalOPPA), which is frequently amended and now includes a disclosure requirement for “Do Not Track” signals. If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 800.577.0195 or via email hello@cocard.com.