Last Updated: 10.28.2025

1. Introduction

These Terms govern your access to and use of the software platform, dashboards, APIs, and related services (collectively, the “Services”) provided by EchelonX Solutions (“EchelonX Solutions”, “Company”, “we”, “us”, or “our”), available at https://www.echelonxsolutions.com.

EchelonX Solutions operates as a Software-as-a-Service (SaaS) platform that helps businesses manage payment-related workflows, reporting, and technical integrations. EchelonX Solutions does not provide payment processing services. All payment-related services are provided by Stripe, Inc. and its affiliates (“Stripe”).

By creating an account or using the Services, you agree to be bound by these Terms.

2. Relationship With Stripe

2.1 Stripe as Payment Processor

EchelonX Solutions relies on Stripe as its underlying payment processor and settlement provider. Stripe is responsible for all payment transactions, fund custody, settlement, and payouts in accordance with its agreements.

2.2 Stripe Terms Incorporated

If you use any payment-related features, you also agree to Stripe’s:

• Services Agreement

• Connect Agreement (Custom Accounts)

• Acceptable Use Policy

• Privacy Policy

If there is any conflict, Stripe’s terms control with respect to payment services.

3. Eligibility and Account Registration

By using the Services, you confirm that you:

• Have the legal capacity to enter into binding agreements

• Provide accurate, complete, and up-to-date information

• Will comply with all applicable laws, including AML, KYC, sanctions, and consumer protection requirements

We may suspend or terminate your access if required by Stripe or applicable law.

4. SaaS Platform Services

The Services may include:

• Cloud-hosted software dashboards

• Payment orchestration via Stripe Connect (Custom)

• Subscription and usage management tools

• Transaction monitoring and reporting

• Fee calculation and settlement logic

• API access (where enabled)

EchelonX Solutions may update, modify, or discontinue features at any time.

5. Pricing and Fees

5.1 Subscription Fees (SaaS)

Access to the Services requires payment of a recurring subscription fee, billed monthly in advance.

Current Plans:

• Basic Plan – starting at $299 per month

• Standard Plan – starting at $499 per month

• Premium Plan – starting at $999 per month

Pricing may vary based on usage, enabled features, transaction volume, or negotiated enterprise terms. All applicable fees will be disclosed before activation and visible in your dashboard.

Subscription fees are non-refundable, except where required by law or explicitly stated in a written agreement.

5.2 Platform Transaction Fees

EchelonX Solutions may charge platform fees related to transactions processed through the Services, including per-transaction or percentage-based fees, as displayed in your account.

5.3 Stripe Fees (Third-Party)

Stripe charges separate fees for payment processing and related services. These fees are determined solely by Stripe and are in addition to EchelonX Solutions’ fees.

5.4 Fee Authorization

You authorize EchelonX Solutions and Stripe to deduct applicable fees from invoices, transaction proceeds, balances, or payouts as permitted under Stripe’s agreements.

6. Funds Flow and Payouts (Stripe Connect – Custom)

6.1 Funds Handling

All funds are held, safeguarded, and settled by Stripe. EchelonX Solutions does not hold, safeguard, or transmit funds.

6.2 Payout Timing

Payout timing and availability are determined by Stripe and may be delayed due to:

• Risk or compliance reviews

• Disputes or chargebacks

• Regulatory or banking requirements

EchelonX Solutions does not guarantee payout timing.

7. Chargebacks, Refunds, and Disputes

You are solely responsible for:

• Chargebacks, reversals, refunds, and disputes

• Communicating with your customers regarding transactions

• Responding to Stripe dispute requests

Stripe may debit your Stripe balance for disputed or reversed transactions in accordance with its terms.

8. Compliance and Prohibited Use

You may not use the Services for:

• Illegal, deceptive, or fraudulent activity

• Businesses prohibited under Stripe policies

• Circumventing fees, controls, or compliance measures

We may monitor activity and share relevant information with Stripe as required.

9. Suspension and Termination

We may suspend or terminate your access immediately if:

• Required by Stripe

• Required by law

• We determine there is unacceptable risk or a policy violation

Any outstanding fees or obligations survive termination.

10. Disclaimers

The Services are provided on an “as is” and “as available” basis. EchelonX Solutions does not guarantee uninterrupted service, payment authorization, or settlement outcomes.

11. Limitation of Liability

To the maximum extent permitted by law, EchelonX Solutions is not liable for indirect, incidental, or consequential damages. Our total liability will not exceed the fees paid to EchelonX Solutions in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify and hold EchelonX Solutions harmless from any claims arising from your use of the Services, violation of these Terms, or violation of Stripe’s terms or applicable law.

12A. Arbitration Agreement and Waiver of Class Actions

12A.1 Mandatory Arbitration

Except as stated below, any dispute arising out of or related to these Terms or the Services shall be resolved through binding arbitration.

Arbitration shall be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and shall take place in Wyoming or Florida, at EchelonX Solutions’ election.

12A.2 Exceptions

Either party may seek injunctive or equitable relief in court for claims related to:

• Intellectual property infringement

• Unauthorized access or security breaches

• Enforcement of confidentiality obligations

12A.3 Individual Basis / Class Action Waiver

Arbitration will occur on an individual basis only. You waive any right to participate in a class or representative action.

12A.4 Arbitration Authority

The arbitrator has exclusive authority to determine the enforceability and scope of this arbitration agreement.

12A.5 Fees and Costs

Each party bears its own legal fees unless otherwise required by law or determined by the arbitrator.

12A.6 Governing Law (Arbitration)

This arbitration agreement is governed by the Federal Arbitration Act (FAA).

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Wyoming and the State of Florida, without regard to conflict-of-law principles.

Any legal action not subject to arbitration must be brought exclusively in the state or federal courts located in Wyoming or Florida.

14. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on https://www.echelonxsolutions.com. Continued use of the Services constitutes acceptance of the revised Terms.

15. Contact Information

EchelonX Solutions
Website: https://www.echelonxsolutions.com
Email: contact@echelonxsolutions.com
Phone: +1 (307) 429-9947

Appendix A – Refunds and Cancellation (SaaS)

• Subscriptions may be cancelled at any time via the dashboard or support

• Cancellations take effect at the end of the current billing period

• Subscription fees are non-refundable except where required by law

• Outstanding usage fees, transaction fees, or chargebacks remain payable

Appendix B – Privacy and Data Protection (Stripe-Aligned)

EchelonX Solutions processes personal data solely to provide the Services. Payment-related personal data is processed by Stripe in accordance with Stripe’s Privacy Policy.

EchelonX Solutions does not store full payment card numbers and applies industry-standard security measures. See the Privacy Policy at https://www.echelonxsolutions.com.

Appendix C – Stripe Disclosures (Custom Connect)

• EchelonX Solutions is a SaaS platform and not a bank or payment processor

• Stripe is the payment processor and merchant-of-record

• Funds availability, reserves, disputes, and payouts are governed by Stripe’s agreements