Terms of Use

Cobalt Payments Inc. — gateway.cxbolt.com Merchant Portal

Effective Date: July 31, 2026 Last Updated: July 31, 2026

⚠ IMPORTANT — READ CAREFULLY

THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION, A CLASS-ACTION WAIVER, A JURY-TRIAL WAIVER, AND A ONE-YEAR LIMITATION PERIOD FOR BRINGING CLAIMS (SECTION 22). THEY LIMIT OUR LIABILITY (SECTION 20) AND REQUIRE YOU TO INDEMNIFY US (SECTION 21).

BY ACCESSING OR USING THE PORTAL, CLICKING "I AGREE," OR SUBMITTING A TRANSACTION, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS. If you do not agree, do not access or use the Portal.

Table of Contents

1. Parties, Scope, and Relationship to Other Agreements
2. Eligibility and Authority
3. Accounts, Users, and Credentials
4. License and Ownership
5. Acceptable Use
6. Prohibited and Restricted Businesses
7. Card-Network Rules and Compliance
8. Transaction Processing; No Risk Assumption by Cobalt
9. Chargebacks, ACH Returns, Fines, and Set-Off
10. Surcharging, Cash Discount, and Taxes
11. Data Security and PCI DSS
12. Electronic Communications — TCPA, CAN-SPAM, and A2P 10DLC
13. Electronic Signatures and Records
14. Gift Cards
15. Age-Restricted and Regulated Products
16. Reporting, Analytics, and Automated Features
17. Third-Party Services and Beneficiaries
18. Fees
19. Disclaimers
20. Limitation of Liability
21. Indemnification
22. Dispute Resolution — Arbitration and Class-Action Waiver
23. Suspension, Termination, and MATCH Reporting
24. Confidentiality
25. Feedback
26. Modifications
27. Force Majeure
28. General Provisions
29. Contact and Notices

1. Parties, Scope, and Relationship to Other Agreements

1.1 Parties. These Terms of Use ("Terms") are a binding agreement between Cobalt Payments Inc., a Connecticut corporation located at 2264 Silas Deane Hwy, Suite 105, Rocky Hill, CT 06067 ("Cobalt," "we," "us"), and the business entity accessing the Portal ("Merchant," "you"). Cobalt is a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., Concord, California.

1.2 What these Terms cover. These Terms govern access to and use of the gateway.cxbolt.com Merchant Portal and its features, hosted payment pages, pay links, estimate-acceptance pages, electronic receipts, APIs, and related documentation and support (the "Services").

1.3 Relationship to your processing agreement — read this. Cobalt provides gateway and merchant-management technology. Depending on your arrangement:

• (a) Gateway-only. You may contract separately with an acquirer, processor, or payment facilitator for card acceptance and settlement. In that case Cobalt does not acquire your transactions, does not take possession of your settlement funds, and is not a party to that relationship.
• (b) ISO-sponsored. Where Cobalt has referred or boarded you under its ISO registration, your card acceptance is governed by a separate Merchant Processing Agreement with the sponsor bank and/or acquirer. Wells Fargo Bank, N.A. is the member bank, and your rights and obligations regarding acceptance, settlement, funding, reserves, and account closure are governed by that agreement.

In either case, these Terms govern your use of the Portal. If these Terms conflict with your Merchant Processing Agreement or the Card-Network Rules, those instruments control as to their subject matter, and these Terms control as to the Portal.

1.4 Incorporated documents. The following are incorporated by reference and form part of these Terms: the Privacy Policy, the Acceptable Use Policy, the Data Processing Addendum, the Cookie Notice, and the PCI DSS Responsibility Matrix. We may amend them as provided in Section 26.

2. Eligibility and Authority

You represent and warrant that: (a) you are a business entity or sole proprietor duly organized and in good standing, operating for bona fide business purposes only — the Services are not for personal, family, or household use; (b) the individual accepting these Terms is at least 18 and is authorized to bind you; (c) all information you provide is true, accurate, current, and complete, and you will keep it updated; and (d) you and your principals are not on any U.S. government sanctions, denied-party, or debarment list, are not located in an embargoed jurisdiction, and are not listed on the MATCH / Terminated Merchant File.

3. Accounts, Users, and Credentials

3.1 Your responsibility. You are responsible for all activity under your account, whether or not authorized by you. We are entitled to rely on any instruction, transaction, or configuration submitted through your account and may assume it was transmitted by or on behalf of you.

3.2 Credentials and access. You must keep credentials confidential, use strong unique passwords, enable multi-factor authentication where offered, assign least-privilege roles, and immediately deactivate users who leave your organization or change roles. You must not share logins among individuals.

3.3 Team users and permissions. You are solely responsible for the roles and permissions you grant, for supervising your users' activity, and for the consequences of any access you grant. Granting access to a user is your act, not ours.

3.4 Compromise. Notify security@cxbolt.com immediately upon suspecting unauthorized access, credential compromise, or fraudulent activity. You remain liable for activity occurring before we receive and have a reasonable opportunity to act on that notice.

4. License and Ownership

4.1 License to you. Subject to these Terms and payment of applicable fees, Cobalt grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your internal business purposes during the term.

4.2 Our ownership. Cobalt and its licensors own all right, title, and interest in the Services, including all software, interfaces, designs, workflows, documentation, trademarks, and all intellectual property. No rights are granted except the express license in Section 4.1. "Cobalt Payments," "cxbolt," and our logos are our marks; you may not use them without written permission.

4.3 Your data. You retain all right, title, and interest in the data you or your customers submit ("Merchant Data"). You grant Cobalt a worldwide, royalty-free license to host, copy, transmit, display, and process Merchant Data solely to provide, secure, support, and improve the Services and as permitted by the Privacy Policy and Data Processing Addendum, including the creation and use of aggregated and de-identified data as described there.

4.4 Restrictions. You will not, and will not permit anyone to: reverse engineer, decompile, or disassemble the Services; copy, modify, or create derivative works; rent, resell, sublicense, or provide the Services to third parties except as expressly permitted; circumvent security or access controls; probe, scan, or penetration-test without our prior written consent; use bots, scrapers, or automated means to extract data; benchmark or publish performance results without consent; remove proprietary notices; or use the Services to build a competing product.

5. Acceptable Use

You will comply with the Acceptable Use Policy, incorporated by reference. Without limiting it, you will not use the Services: in violation of any law, regulation, or Card-Network Rule; to transmit malware or engage in any form of internet abuse, including unsolicited or unwelcome email or messaging; to infringe intellectual property or privacy rights; to submit false, fraudulent, or misleading transactions; to process transactions that do not arise from a bona fide sale of your own goods or services; to launder funds, aggregate or factor transactions for third parties, or process on behalf of another business; to submit a transaction you know or should know is fraudulent or unauthorized; or in any manner or in furtherance of any activity that may cause Cobalt, its sponsor bank, its processor, or its gateway provider to become subject to investigation, prosecution, or legal or regulatory action.

6. Prohibited and Restricted Businesses

6.1 Prohibited. You may not use the Services in connection with, and we may immediately suspend or terminate for, any of the following:

• Adult content or services of any kind, including pornography, escort, and sexually oriented products or services;
• Cryptocurrency, virtual currency, digital assets, and money services businesses — including exchanges, ATMs, mining, initial offerings, money transmission, currency exchange, check cashing, and payday or title lending;
• Illegal gambling, betting, lotteries, sweepstakes, raffles, and games of chance where prohibited;
• Unlicensed or unlawful pharmaceuticals, controlled substances, prescription drugs, nutraceuticals with unlawful claims, and drug paraphernalia;
• Firearms, ammunition, explosives, weapons, and regulated weapon components;
• Multi-level marketing, pyramid or Ponzi schemes, matrix programs, "get rich quick" and work-at-home offers;
• Shell corporations, and entities that conceal beneficial ownership or purpose;
• Counterfeit, infringing, stolen, or misbranded goods; unauthorized ticket resale or resale of prohibited items;
• Deceptive, unfair, or abusive practices, including undisclosed negative-option or continuity billing, deceptive "free trial" offers, and misleading advertising;
• Credit repair, debt elimination, mortgage or foreclosure rescue, and advance-fee lending;
• Telemarketing fraud, chain letters, pyramid solicitations, and prohibited lead generation;
• Human trafficking, exploitation, hate or terror-related goods or content, and anything violating sanctions or export-control law;
• Cannabis, marijuana, THC, hemp-derived products, and CBD of any kind, including edibles, topicals, vapes, seeds, and paraphernalia. You acknowledge that marijuana remains a controlled substance under U.S. federal law regardless of state legality, and that Cobalt's sponsor bank and processor do not support this activity. There is no approval pathway and no exception.
• Any business appearing on a card network's prohibited list, or that our sponsor bank, acquirer, processor, or gateway provider declines to support.

6.2 Restricted — written pre-approval required.

• Alcohol and tobacco, including vape and nicotine products, may be processed only where you hold all required licenses and satisfy Section 15.
• Other categories we may designate, including high-risk verticals, subscription-continuity models, and travel or event businesses with material forward-delivery exposure.

6.3 Your representation. You represent that your business is accurately described in your application, that you will notify us in writing before materially changing your business, products, sales channels, average ticket, or volume, and that you will not process transactions outside the approved description.

7. Card-Network Rules and Compliance

7.1 Compliance. You will comply, at your own expense, with all applicable law and with the operating regulations, rules, bylaws, and standards of Visa, Mastercard, American Express, Discover, and applicable debit and ACH networks including NACHA (collectively, the "Card-Network Rules"), as amended. Card-Network Rules are binding on you and, in the event of conflict with these Terms, control.

7.2 Availability. The Card-Network Rules are published by the networks. It is your responsibility to obtain, review, and follow them.

7.3 Audit and cooperation. You will cooperate promptly and fully with any audit, examination, investigation, or forensic review by Cobalt, our sponsor bank, acquirer, processor, gateway provider, a card network, a regulator, or a PCI Forensic Investigator, and will provide records and access reasonably requested.

7.4 Direct network obligations. Certain Card-Network Rules impose obligations directly on you and give the networks rights against you, including the right to limit or terminate your ability to accept their cards. Nothing in these Terms limits those rights.

8. Transaction Processing; No Risk Assumption by Cobalt

8.1 We route; you sell. Cobalt transmits transaction data to the applicable gateway, processor, network, and issuer. Authorization, approval, decline, settlement, and funding decisions are made by the issuer, networks, processor, and bank — not by Cobalt. An authorization is not a guarantee of payment, of the cardholder's identity, or that a transaction will not be disputed.

8.2 No risk assumption. YOU UNDERSTAND AND AGREE THAT COBALT BEARS NO RISK WITH RESPECT TO YOUR SALE OF PRODUCTS OR SERVICES, INCLUDING WITHOUT LIMITATION ANY RISK ASSOCIATED WITH CARD FRAUD, ACCOUNT TAKEOVER, FRIENDLY FRAUD, CHARGEBACKS, ACH RETURNS, OR NON-DELIVERY. You are solely responsible for your products and services, your customer relationships, your pricing, your refund and cancellation policies, delivery and fulfillment, and all disputes with your customers.

8.3 Risk settings are yours. Any fraud filters, velocity limits, AVS/CVV settings, thresholds, or risk-related suggestions in the Services or documentation are illustrative of industry practice only. You are solely responsible for selecting the appropriate settings and parameters for your account and for the results of those choices.

8.4 Accuracy of submissions. You are responsible for the accuracy and completeness of every transaction, refund, void, invoice, estimate, and record you submit, including amounts, taxes, discounts, surcharges, tips, and customer data. Cobalt has no duty to detect or correct your errors.

8.5 Refunds, voids, and returns. You will maintain and disclose a fair refund and cancellation policy as required by the Card-Network Rules, will not provide a cash refund for a card sale except as permitted, and will process refunds to the original payment method where required.

9. Chargebacks, ACH Returns, Fines, and Set-Off

9.1 Your liability is complete. You are one hundred percent (100%) liable for all chargebacks, retrievals, representment costs, ACH returns and return fees, reversals, adjustments, refunds, and unfunded or uncollectible transactions arising from your activity, regardless of cause and regardless of whether the underlying transaction was authorized or appeared legitimate.

9.2 Fines and assessments. You are liable for all fines, penalties, assessments, case-management fees, non-compliance fees, excessive-chargeback or excessive-fraud program fees, forensic-investigation costs, and other amounts imposed by any card network, debit network, NACHA, sponsor bank, acquirer, processor, or gateway provider arising from your acts, omissions, business practices, data compromise, or non-compliance. You will reimburse Cobalt immediately upon demand.

9.3 Deemed direct damages. Any amount described in Sections 9.1 and 9.2 is deemed DIRECT damages, is not subject to any exclusion of indirect, incidental, special, consequential, or punitive damages, and is not subject to the liability cap in Section 20 — and is collectible from you notwithstanding any provision of these Terms to the contrary.

9.4 Set-off and debit authorization. You irrevocably authorize Cobalt, and its sponsor bank, acquirer, and processor, to (a) set off any amount you owe against any amount owed to you, and (b) initiate debit entries — by ACH or otherwise — to the bank account(s) you designate, in the amount of any chargeback, return, refund, fine, assessment, fee, or other obligation you owe. You will also execute Cobalt’s separate written ACH Debit Authorization at boarding, which governs the form, notice, and revocation terms of those debits; that authorization is incorporated into these Terms by reference. This authorization is a standing authorization that continues after termination until all obligations are satisfied. You will maintain sufficient funds. If a debit is returned, you remain liable plus applicable returned-item fees.

9.5 Collection. If amounts remain unpaid, we may pursue collection and recover our costs, including reasonable attorneys' fees, collection-agency fees, and court costs, plus interest at the lesser of 1.5% per month or the maximum lawful rate.

9.6 Personal guaranty. Where a principal has executed a guaranty in connection with your account, that guaranty secures the obligations in this Section.

9.7 Excessive activity. If your chargeback or fraud ratios exceed thresholds set by a card network, our sponsor bank, or us, we may require a remediation plan, impose fees, restrict features, or suspend or terminate the Services.

10. Surcharging, Cash Discount, and Taxes

10.1 Regulatory landscape. Surcharging and cash-discount programs are governed by state statutes (some of which prohibit or cap surcharges), the Card-Network Rules (which impose caps, registration, and disclosure requirements, and prohibit surcharging debit and prepaid cards), and consumer-protection law.

10.2 What Cobalt does. As a convenience, Cobalt maintains a list of jurisdictions in which it understands surcharging to be restricted, and will disable the surcharge feature for merchant locations it identifies as being in those jurisdictions, based on the location information you provide to and maintain with us. Cobalt configures the surcharge to apply to credit transactions only and to exempt debit and prepaid transactions.

10.3 What this is not. Sections 10.2 is a product convenience, not a compliance service, a legal opinion, or a guarantee. Cobalt does not warrant that its jurisdiction list is complete, current, or correctly applied to your circumstances. Law changes frequently, and correct application depends on information only you control — including your true operating location(s), your card-acceptance mix, and how you present pricing.

10.4 Your obligations. You remain solely responsible for: (a) determining whether surcharging or a cash-discount program is lawful for your business and each location; (b) notifying Cobalt in writing of your actual operating jurisdiction(s) and of any change; (c) completing and maintaining any required card-network surcharge registration and notification — this is your responsibility, not Cobalt’s; (d) not exceeding the applicable network cap or your actual cost of acceptance, whichever is lower; (e) all required disclosures at the point of entry, at the point of sale, and on the receipt; (f) never surcharging debit or prepaid cards; and (g) correctly configuring the feature. You bear all compliance risk and all liability arising from surcharging or cash-discount practices, and will indemnify Cobalt in full under Section 21.

10.5 Taxes. You are solely responsible for determining, collecting, reporting, and remitting all sales, use, excise, and other taxes on your transactions. Any tax rate, tax label, or tax calculation in the Services is a configuration you control and is not tax advice. Cobalt does not determine taxability, nexus, or rates. Fees payable to Cobalt are exclusive of taxes, which you will pay.

10.6 Information reporting. You will provide accurate taxpayer information, including your legal name and Taxpayer Identification Number, and will promptly correct it on request. You acknowledge that Fiserv, Inc. (First Data) acts as the Payment Settlement Entity for your card transactions and is the party that files IRS Form 1099-K reporting your gross annual payment volume. Cobalt is not the Payment Settlement Entity and does not file Form 1099-K. Backup withholding may apply if your taxpayer information does not match IRS records. Gross volume reported on a Form 1099-K is not reduced by refunds, chargebacks, fees, or adjustments, and will not match your net deposits — reconcile with your own records and tax advisor.

11. Data Security and PCI DSS

11.1 Your PCI obligation. You will comply with PCI DSS and, where applicable, the PIN Transaction Security and PA-DSS/SSF standards, at your own expense, and will validate compliance as required by the Card-Network Rules. Use of the Services does not make you PCI compliant. See the PCI DSS Responsibility Matrix.

11.1a How card data is handled. Card data entered through the Services is captured directly by our gateway provider, NMI, using hosted fields and tokenization, and does not transit or reside on Cobalt-controlled servers. Cobalt receives only a token and non-sensitive metadata. NMI and Fiserv, Inc. (First Data) each maintain their own PCI DSS validation, the status of which you may request. Because card data does not enter a Cobalt-controlled environment, Cobalt does not hold a separate Attestation of Compliance, and nothing in these Terms is a representation of Cobalt’s own PCI validation status. This does not reduce your obligations under Section 11.1 — your own environment, integration, and any page you host remain in your scope.

11.2 Your systems are yours. You are solely responsible for the security of cardholder data and all other data residing on any server, device, terminal, network, or environment owned or operated by you or by any third party you designate — including web hosts, shopping carts, plugins, point-of-sale hardware, scanners, and card readers.

11.3 Prohibited storage. You will not store sensitive authentication data after authorization — full track data, CVV/CVC/CID, or PIN or PIN block — and will not enter cardholder data into free-text fields such as notes, descriptions, item names, or task comments.

11.4 Consumer notice. You will provide notice to your customers — on your website and at your point of sale — disclosing how and why personal and financial information is collected and used, and you will maintain your own privacy policy. You will obtain all consents necessary for Cobalt to process your customers' data as contemplated.

11.5 Compromise. You will notify security@cxbolt.com within twenty-four (24) hours of discovering any actual or suspected compromise of cardholder or personal data, will preserve evidence, will cooperate with forensic investigation, and will bear all resulting costs, fines, and assessments. You will not conduct your own forensic investigation in a manner that impairs a network-mandated PFI review.

11.6 Your users. You are responsible for your personnel's compliance with this Section and for training them.

12. Electronic Communications — TCPA, CAN-SPAM, and A2P 10DLC

12.1 You are the sender. When you use the Services to send email or SMS to your customers — receipts, invoices, reminders, statements, estimates, eGift delivery, or marketing — you are the sender and initiator of that communication. Cobalt acts solely as a conduit at your direction.

12.2 TCPA warranty. You represent and warrant that, for every recipient and every message, you hold all consent required by the Telephone Consumer Protection Act and its regulations — including prior express written consent where required for marketing or autodialed/prerecorded messages — that such consent was lawfully obtained and is documented, and that you will retain proof of consent for at least five (5) years.

12.3 Opt-outs and suppression. You will honor every opt-out and STOP, UNSUBSCRIBE, QUIT, CANCEL, or END request immediately and in all events within ten (10) business days; maintain and apply your own suppression list; scrub against the National Do-Not-Call Registry where applicable; and never message a recipient who has revoked consent.

12.4 CAN-SPAM. For commercial email you will: use accurate header and "from" information; use a non-deceptive subject line; identify the message as an advertisement where required; include a valid physical postal address; provide a functioning, clearly conspicuous opt-out mechanism honored within ten (10) business days; and never harvest addresses or use dictionary attacks.

12.5 A2P 10DLC. Before sending any application-to-person SMS through the Services, you will complete and maintain A2P 10DLC brand and campaign registration with the applicable carriers or aggregator, accurately describe your use case and opt-in flow, comply with CTIA messaging principles and carrier requirements, and include required sender identification and HELP/STOP language. Unregistered or misregistered traffic may be filtered, blocked, or surcharged by carriers, and Cobalt is not responsible for non-delivery, filtering, or carrier fees or penalties.

12.6 Quiet hours and content. You will observe applicable calling/messaging time restrictions and will not send prohibited content, including messages relating to sex, hate, alcohol, firearms, tobacco, or controlled substances, where carriers prohibit it.

12.7 Full indemnity. You will indemnify, defend, and hold Cobalt harmless from and against all claims, demands, actions, statutory damages, penalties, settlements, and costs — including reasonable attorneys' fees — arising from or related to communications sent through the Services on your behalf, including any claim under the TCPA, CAN-SPAM, state telemarketing or mini-TCPA statutes, or carrier rules. This indemnity is not subject to the limitation of liability in Section 20. You acknowledge that TCPA statutory damages are assessed per message and can be substantial.

12.8 Our right to protect the platform. We may throttle, filter, suspend, or refuse to transmit any message or campaign that we reasonably believe is unlawful, non-compliant, or harmful to platform deliverability or reputation, without liability.

13. Electronic Signatures and Records

13.1 Consent between you and Cobalt. You consent to transact with us electronically, to receive records and disclosures electronically, and to the use of electronic signatures. You may withdraw consent only by terminating the Services. You confirm you can access and retain HTML and PDF records.

13.2 Feature description. The Estimates module can capture a drawn signature image, a typed signer name, the signer's IP address, a timestamp, and a hash of the signed document.

13.3 NO WARRANTY OF ENFORCEABILITY. COBALT MAKES NO REPRESENTATION OR WARRANTY THAT ANY DOCUMENT SIGNED USING THE SERVICES IS VALID, BINDING, ADMISSIBLE, OR ENFORCEABLE, OR THAT THE SERVICES SATISFY THE FEDERAL ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT (ESIGN), THE UNIFORM ELECTRONIC TRANSACTIONS ACT (UETA), OR ANY OTHER LAW APPLICABLE TO YOUR TRANSACTION OR INDUSTRY. The Services are a general business tool and are not a certified or qualified electronic-signature or trust service.

13.4 Your responsibility. You are solely responsible for: determining whether an electronic signature is legally sufficient for your document and jurisdiction; obtaining your customer's consent to electronic records and signatures and making required disclosures, including the right to receive a paper copy; verifying signer identity and authority — the Services do not authenticate signer identity; retaining your own copies and evidence; and any consequence of a signature being challenged. Consult your own counsel before relying on the feature for material transactions.

13.5 Retention of signature evidence. Cobalt retains signature evidence — image, name, IP, timestamp, and document hash — for seven (7) years from execution. It is available to the merchant account that generated it and, on lawful request or valid legal process, to a party to the signed document. We are not a records custodian or escrow agent and have no duty to authenticate, certify, or testify.

13.6 Known limitation. You acknowledge we have disclosed that the signature-evidence retention and tamper-evidence design has not been independently certified for evidentiary purposes.

14. Gift Cards

14.1 You are the issuer. Gift cards, gift certificates, and stored-value balances created through the Services are your obligations to your customers. Cobalt is not the issuer, obligor, or guarantor of any gift card, and holds no funds in respect of any balance.

14.2 Your liability for balances. You are solely liable for honoring and redeeming all outstanding gift-card balances, including after you stop using the Services, cease operations, or are terminated. Termination does not discharge that obligation.

14.3 Regulatory compliance is yours. You are solely responsible for compliance with the federal Credit CARD Act of 2009 and Regulation E's gift-card rules — including restrictions on expiration dates and dormancy, inactivity, and service fees — and with all state gift-card, unclaimed-property, and consumer-protection statutes, including disclosure, cash-back, and minimum-balance requirements.

14.4 Escheatment and unclaimed property. You are solely responsible for determining your unclaimed-property obligations and for all filings, remittances, reporting, and recordkeeping with every applicable state. Dormancy periods, de-minimis exemptions, single-merchant exemptions, and reportability determinations in the Services are representative default values supplied for convenience only.

14.5 NOT LEGAL, TAX, OR ACCOUNTING ADVICE. ALL GIFT-CARD LIABILITY FIGURES, DORMANCY AND ESCHEATMENT DATA, AGING BUCKETS, REPORTABILITY FLAGS, BREAKAGE ESTIMATES, AND REVENUE-RECOGNITION CALCULATIONS PRESENTED IN THE SERVICES — INCLUDING ANY REFERENCE TO ASC 606 OR PROPORTIONAL BREAKAGE RECOGNITION — ARE ILLUSTRATIVE AND FOR INTERNAL PLANNING ONLY. THEY ARE NOT LEGAL, TAX, ACCOUNTING, OR AUDIT ADVICE, ARE NOT PREPARED IN ACCORDANCE WITH GAAP, AND MUST NOT BE RELIED UPON FOR FINANCIAL REPORTING, TAX FILINGS, ESCHEATMENT FILINGS, OR ANY REGULATORY SUBMISSION. COBALT DISCLAIMS ALL LIABILITY FOR THEM. ENGAGE YOUR OWN ACCOUNTANT, TAX ADVISOR, AND COUNSEL.

14.6 Fraud. Gift cards are a frequent fraud target. Fraud heuristics in the Services are advisory only, and you are responsible for reviewing flags and for all losses from gift-card fraud, including social-engineering and draining schemes.

15. Age-Restricted and Regulated Products

15.1 Fields are not verification. The Services allow you to tag products with an age restriction (for example, 18+ or 21+) and to display a prompt. These are workflow conveniences only. The Services do not verify age or identity, do not scan or validate identification documents, and do not perform any regulatory check.

15.2 Your obligations. You are solely responsible for lawfully verifying age and identity at the point of sale or delivery; holding and maintaining all licenses and permits; complying with all federal, state, and local law governing alcohol, tobacco, vape and nicotine, lottery, and other regulated goods — including the PACT Act, FDA requirements, and delivery, shipping, and common-carrier restrictions; training your personnel; and maintaining required records.

15.3 Liability. You bear all liability — civil, criminal, administrative, and licensing — arising from the sale of age-restricted or regulated products, and will indemnify Cobalt in full under Section 21.

16. Reporting, Analytics, and Automated Features

16.1 Informational only. All dashboards, key performance indicators, reports, statements, aging reports, batch and end-of-day summaries, gift-card liability views, inventory valuation and margin figures, sales velocity and days-of-supply, win rates, forecasts, digests, and exports are provided for your internal informational and operational convenience only.

16.2 Not a system of record. The Services are not your accounting system, general ledger, or system of record. Figures may be incomplete, delayed, rounded, mis-configured, or inaccurate, and may not reconcile with your bank statements, processor statements, or accounting records. The authoritative record of any settlement is the statement of your bank, acquirer, or processor. You must independently reconcile.

16.3 Automated features. Anomaly detection, fraud heuristics, service-level escalation, aging and dormancy computations, and similar automated features rely on thresholds, assumptions, and statistical methods that may not fit your business. They are advisory signals, not decisions, recommendations, or professional advice. They are not consumer reports, and Cobalt is not a consumer reporting agency. You are responsible for reviewing every flag and for every action you take or fail to take.

16.4 No professional advice. Nothing in the Services constitutes legal, tax, accounting, financial, actuarial, or regulatory advice. Engage qualified professionals.

16.5 Configuration is yours. Default values — tax rates, surcharge rates, expiration windows, approval thresholds, dormancy periods, breakage rates, reorder points, aging buckets, and notification thresholds — are starting points you must review and set for your business. You are responsible for all configured values and their consequences.

16.6 Notifications are not guaranteed. Alerts, badges, reminders, digests, and escalations are delivered on a commercially reasonable, best-efforts basis and may be delayed, filtered, suppressed by your settings or mutes, throttled, or not delivered. Do not rely on them as your sole means of detecting a chargeback, dispute deadline, failed payment, ACH return, expiring document, or other time-sensitive event. In-Portal notification history is retained for 45 days only. You remain solely responsible for monitoring your account and meeting every deadline.

17. Third-Party Services and Beneficiaries

17.1 Third-party services. The Services interoperate with third parties, including our gateway provider NMI (Network Merchants LLC), our sponsor bank Wells Fargo Bank, N.A., processors, card and debit networks, terminal and hardware manufacturers, barcode and card-reader devices, email and SMS providers and carriers, and any integration you enable. Those parties are governed by their own terms, and Cobalt is not responsible or liable for their acts, omissions, availability, performance, pricing, security, or data practices. We do not endorse them, and links to third-party sites are not endorsements.

17.2 Hardware. Any hardware — terminals, readers, scanners, printers — is provided under separate terms and warranties from its manufacturer or reseller. Cobalt makes no warranty regarding hardware.

17.3 Third-party beneficiaries. Wells Fargo Bank, N.A. and NMI (Network Merchants LLC), together with our other processors and acquirers, are express intended third-party beneficiaries of these Terms with respect to the provisions that protect them — including Sections 5, 6, 7, 8, 9, 11, 12, 19, 20, 21, and 22 — and each is entitled to enforce those provisions directly against you as if it were an original party to these Terms. No other person has any third-party-beneficiary right.

17.4 Beta and optional features. Features designated beta, preview, pilot, or early access are provided AS IS, without warranty or support, may be changed or withdrawn at any time, and should not be used for critical operations.

18. Fees

18.1 Fees. You will pay all fees in your pricing schedule, order form, Merchant Processing Agreement, or as otherwise disclosed, including subscription, per-transaction, gateway, device, chargeback, retrieval, ACH-return, non-compliance, and support fees.

18.2 Payment and collection. Fees are due when incurred and may be collected by deduction from settlement proceeds, by ACH debit under Section 9.4, or by invoice payable within ten (10) days. Past-due amounts accrue interest at the lesser of 1.5% per month or the maximum lawful rate. All amounts are non-refundable except as expressly stated.

18.3 Changes. We may change fees on thirty (30) days' prior notice, or immediately for pass-through increases imposed by a card network, bank, processor, carrier, or regulator. Continued use after the effective date constitutes acceptance; your remedy is to terminate.

18.4 Disputes. You must dispute a fee in writing within sixty (60) days of the statement on which it appears, or it is waived.

19. Disclaimers

19.1 AS IS. THE SERVICES, INCLUDING ALL CONTENT, DATA, REPORTS, ANALYTICS, DOCUMENTATION, AND SUPPORT, ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

19.2 Disclaimer of warranties. TO THE MAXIMUM EXTENT PERMITTED BY LAW, COBALT AND ITS AFFILIATES, LICENSORS, SPONSOR BANK, PROCESSORS, GATEWAY PROVIDER, AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

19.3 No guarantee of results or availability. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS; THAT DEFECTS WILL BE CORRECTED; THAT ANY TRANSACTION WILL BE AUTHORIZED, SETTLED, OR FUNDED; THAT ANY DATA, FIGURE, CALCULATION, FLAG, OR NOTIFICATION WILL BE ACCURATE, COMPLETE, CURRENT, OR TIMELY; THAT ANY MESSAGE WILL BE DELIVERED; OR THAT USE OF THE SERVICES WILL RESULT IN COMPLIANCE WITH ANY LAW, RULE, OR STANDARD.

19.4 Interruption and modification. We reserve the right at any time, with or without notice, to interrupt, restrict, modify, suspend, or discontinue the Services or any portion of them, temporarily or permanently, and you agree that Cobalt shall not be liable to you or any third party for any such modification, suspension, or discontinuance.

19.5 Data loss. You are solely responsible for maintaining your own backups and independent records of Merchant Data. Cobalt is not a backup, archival, or records-retention service.

19.6 Prototype and pre-production materials. Any design file, prototype, demonstration environment, sample data, or pre-production build made available to you is for evaluation only, contains simulated data, does not process real payments, and carries no warranty.

19.7 Jurisdictional limits. Some jurisdictions do not allow certain exclusions; in those jurisdictions our liability is limited to the maximum extent permitted by law.

20. Limitation of Liability

20.1 Exclusion of damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER COBALT NOR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SPONSOR BANK, PROCESSORS, GATEWAY PROVIDER, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST SALES, LOST BUSINESS OPPORTUNITY, LOSS OF GOODWILL, BUSINESS INTERRUPTION, LOSS OR CORRUPTION OF DATA, OR COST OF SUBSTITUTE SERVICES, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY — INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR STATUTE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

20.2 Aggregate cap. THE TOTAL AGGREGATE LIABILITY OF COBALT AND THE PARTIES LISTED IN SECTION 20.1, FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU ACTUALLY PAID TO COBALT FOR THE SERVICES DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE FIRST CLAIM, OR (B) FIVE HUNDRED U.S. DOLLARS (US$500). THIS CAP APPLIES IN THE AGGREGATE ACROSS ALL CLAIMS AND IS NOT PER-CLAIM.

20.3 Carve-outs — amounts NOT subject to the cap. The cap and exclusions in Sections 20.1 and 20.2 do not apply to, and do not limit, your obligations for: (a) chargebacks, returns, refunds, reversals, and unfunded transactions under Section 9.1; (b) fines, penalties, assessments, and forensic costs under Section 9.2, each of which is deemed direct damages; (c) fees owed under Section 18; (d) your indemnification obligations under Sections 12.7 and 21; (e) your breach of Sections 4.4, 5, 6, 11, or 24; (f) your fraud, willful misconduct, or violation of law; or (g) either party’s gross negligence or willful misconduct, or liability for death or bodily injury caused by a party’s negligence — which no provision of these Terms limits or excludes.

20.4 Essential basis. You acknowledge that the fees for the Services reflect this allocation of risk, that these limitations are an essential basis of the bargain, and that Cobalt would not provide the Services without them.

20.5 Time bar. See Section 22.7.

21. Indemnification

21.1 Your indemnity. You will defend, indemnify, and hold harmless Cobalt and its affiliates, officers, directors, employees, agents, licensors, sponsor bank (including Wells Fargo Bank, N.A.), acquirers, processors, and gateway provider (including NMI) (the "Indemnified Parties") from and against any and all third-party and regulatory claims, demands, actions, proceedings, investigations, losses, liabilities, judgments, settlements, fines, penalties, assessments, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to:

(a) your use of or access to the Services, including by any of your users; (b) your breach of these Terms, any incorporated policy, the Card-Network Rules, or applicable law; (c) your products, services, business practices, advertising, pricing, refund and cancellation policies, or fulfillment; (d) any transaction you submit, including chargebacks, fraud, and unauthorized or disputed transactions; (e) communications sent through the Services on your behalf, including TCPA, CAN-SPAM, state telemarketing, and carrier-rule claims (Section 12.7); (f) surcharging, cash-discount, convenience-fee, or pricing-disclosure practices (Section 10); (g) gift cards, including unredeemed balances, CARD Act and Regulation E claims, and unclaimed-property assessments, interest, and penalties (Section 14); (h) age-restricted or regulated products, including alcohol and tobacco (Sections 6.2 and 15), and any prohibited cannabis, THC, hemp, or CBD activity (Section 6.1); (i) electronic signatures and the enforceability, admissibility, or sufficiency of any document signed using the Services (Section 13); (j) your data-security practices, any compromise of data in your control, or your failure to maintain PCI DSS compliance; (k) your privacy practices, your failure to maintain an adequate privacy policy, your failure to give required notices or obtain required consents, or any claim by your customer regarding your handling of their data; (l) any tax determination, collection, reporting, or remittance obligation of yours; (m) your reliance on any report, analytic, projection, flag, notification, or computed figure in the Services; or (n) any dispute between you and your customer, your bank, your processor, an employee, or a third party.

21.2 Procedure. We will notify you of a claim, though failure to give prompt notice relieves you only to the extent you are materially prejudiced. We may, at our option and your expense, assume or participate in the defense and selection of counsel. You will not settle any claim in a manner that imposes any obligation, admission, or restriction on an Indemnified Party without our prior written consent.

21.3 Survival. This Section survives termination.

22. Dispute Resolution — Arbitration and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, TO HAVE A JURY TRIAL, AND TO PARTICIPATE IN A CLASS ACTION.

22.1 Informal resolution first. Before initiating arbitration, the parties will attempt in good faith to resolve any dispute informally for sixty (60) days after written notice describing the dispute and the relief sought, sent to legal@cxbolt.com or the address in Section 29. This is a condition precedent to arbitration.

22.2 Binding arbitration. Except as provided in Section 22.5, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between the parties — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after termination — will be resolved exclusively by FINAL AND BINDING ARBITRATION, and not in court.

22.3 Rules, forum, and law. Arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules then in effect, before one (1) arbitrator. The seat and, unless the parties agree otherwise, the hearing location will be Hartford County, Connecticut. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitrator may award only relief available in an individual action and may not award relief to or affecting any non-party. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator, and not any court, has exclusive authority to resolve all threshold issues of arbitrability, scope, and enforceability, except as stated in Section 22.4.

22.4 CLASS-ACTION AND COLLECTIVE-ACTION WAIVER. YOU AND COBALT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. YOU AND COBALT MAY SEEK RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF. The enforceability of this Section 22.4 is for a court, not the arbitrator, to decide. If this Section 22.4 is found unenforceable as to any claim or request for relief, then this entire Section 22 (arbitration) is null and void as to that claim or request only, which will proceed in court under Section 22.8 — and the remainder of Section 22 remains in force as to all other claims.

22.5 Costs of arbitration. For any claim in which the amount in controversy is less than fifty thousand U.S. dollars (US$50,000), Cobalt will pay all AAA filing, administrative, and arbitrator fees to the extent they exceed what the filing fee would have been in the state or federal court where you are located. Each party otherwise bears its own attorneys’ fees and costs unless the arbitrator determines a claim or defense was frivolous or brought for an improper purpose, or unless a statute provides otherwise. This Section is intended to ensure that arbitration is not more costly to you than litigation, and Cobalt waives any right to seek reimbursement of the fees it pays under this Section.

22.6 Exceptions. Either party may (a) bring an individual action in small-claims court for a qualifying claim; (b) seek provisional or injunctive relief in a court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of intellectual property, breach of confidentiality, or unauthorized access to systems or data; and (c) Cobalt may bring an action in court to collect amounts you owe, including under Sections 9 and 18.

22.7 ONE-YEAR LIMITATION PERIOD. ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MUST BE FILED — IN ARBITRATION OR, WHERE PERMITTED, IN COURT — WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUES. A CLAIM NOT FILED WITHIN THAT PERIOD IS PERMANENTLY AND IRREVOCABLY BARRED AND WAIVED. To the extent your jurisdiction does not permit shortening the limitation period, this Section applies to the maximum extent permitted.

22.8 JURY-TRIAL WAIVER; forum for non-arbitrable claims. TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES. For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Hartford County, Connecticut, and waive any objection to that venue and any claim of inconvenient forum.

22.9 Governing law. These Terms are governed by the laws of the State of Connecticut, excluding its conflict-of-laws rules, and excluding the U.N. Convention on Contracts for the International Sale of Goods.

22.10 Survival. This Section survives termination.

23. Suspension, Termination, and MATCH Reporting

23.1 Termination by you. You may terminate by closing your account and ceasing use, subject to your Merchant Processing Agreement and to all obligations that survive.

23.2 Termination or suspension by us. We may suspend, restrict, or terminate your access to the Services, or any feature, at any time, with or without cause, effective immediately, with notice given in writing or electronically. Cobalt will not be liable to you or any third party for such suspension or termination. We may act immediately and without notice where we reasonably believe there is fraud, a security or data-compromise risk, unlawful activity, a violation of Section 5 or 6, excessive chargebacks or returns, a threat to Cobalt or a third party, insolvency, or a requirement imposed by a card network, sponsor bank, processor, regulator, or court.

23.3 Effect. On termination: your license and right to use the Services immediately cease; all amounts owed become immediately due; we may retain and use data as permitted by the Privacy Policy and applicable law; and you remain liable for all chargebacks, returns, refunds, fines, assessments, gift-card balances, and other obligations arising from activity before termination, and the set-off and debit authorization in Section 9.4 survives until all obligations are satisfied.

23.4 Data export. You should export your data before terminating. We will make commercially reasonable efforts to provide an export on written request made within thirty (30) days of termination, at our then-current rates, but have no obligation to retain Merchant Data after that period except as law requires.

23.5 MATCH reporting. You acknowledge and expressly consent that, where required or permitted by the Card-Network Rules, Cobalt, its sponsor bank, acquirer, or processor may report you, your business, and your principals — including names, addresses, taxpayer identification numbers, and the reason code for termination — to the Mastercard MATCH system, the Visa Terminated Merchant File, and comparable industry databases. You acknowledge that such listing may impair your ability to obtain payment processing from other providers for up to five (5) years, and you release and hold harmless Cobalt, its sponsor bank, acquirer, and processor from all claims arising from any such report made in accordance with the Card-Network Rules.

23.6 Objection. If you object to any provision of these Terms or any modification, your sole and exclusive remedy is to immediately (a) cease use of the Services and (b) notify us of termination.

23.7 Survival. Sections 4.2, 4.3, 8, 9, 10, 11, 12.7, 13.5, 14, 15, 18, 19, 20, 21, 22, 23, 24, 25, and 28 survive termination.

24. Confidentiality

Each party will protect the other's Confidential Information with at least reasonable care, use it only for purposes of these Terms, and not disclose it except to personnel and advisors with a need to know who are bound by comparable obligations, or as required by law with prompt notice where lawful. Confidential Information includes non-public business, technical, financial, security, and pricing information. It excludes information that is or becomes public without breach, was known without obligation, is independently developed, or is rightfully received from a third party. Cobalt's pricing, security documentation, and any pre-release materials are our Confidential Information. Obligations survive five (5) years after termination, and indefinitely for trade secrets.

25. Feedback

If you provide suggestions, ideas, enhancement requests, or feedback, you grant Cobalt a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, transferable license to use, reproduce, modify, and commercially exploit it for any purpose, without attribution, compensation, or obligation to you. Feedback is not your Confidential Information. Do not send anything you are unwilling to license on these terms.

26. Modifications

26.1 We may amend. We may amend these Terms and any incorporated policy at any time. Amended Terms become effective immediately upon posting to the Portal or our website, unless we state a later date. For material changes we will use reasonable efforts to give additional notice, such as an in-Portal notice or email.

26.2 Acceptance by use. Your continued use of the Services after amended Terms are posted constitutes your (a) acknowledgment of the amended Terms and (b) agreement to be bound by them. Where we present a click-through acceptance, your acceptance is recorded with the version and timestamp and is admissible evidence of assent.

26.3 Your remedy. Should you object to any modification, your only recourse is to immediately (a) terminate use of the Services and (b) notify us of termination.

27. Force Majeure

Neither party is liable for any delay or failure to perform (other than payment obligations) caused by an event beyond its reasonable control, including acts of God, natural disaster, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, labor dispute, governmental action, embargo, failure or interruption of the internet, telecommunications, carrier networks, cloud infrastructure, electrical power, card networks, banks, or processors, cyberattack, or denial-of-service attack.

28. General Provisions

28.1 Entire agreement. These Terms, together with the incorporated documents, are the entire agreement between the parties regarding the Portal and supersede all prior or contemporaneous understandings on that subject.

28.2 Order of precedence. (1) Card-Network Rules; (2) your Merchant Processing Agreement with the sponsor bank/acquirer, as to card acceptance, settlement, and funding; (3) any executed order form or pricing schedule; (4) these Terms; (5) incorporated policies.

28.3 Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to be enforceable, or severed, and the remaining provisions remain in full force. Section 22.4 is subject instead to the specific rule in Section 22.4.

28.4 No waiver. No failure or delay in exercising a right waives it. No waiver is effective unless in a signed writing.

28.5 Assignment. You may not assign or transfer these Terms, by operation of law or otherwise, including by change of control, without our prior written consent; any attempted assignment is void. Cobalt may assign freely, including to an affiliate or in connection with a merger, acquisition, financing, or sale of assets.

28.6 Independent parties. The parties are independent contractors. Nothing creates a partnership, joint venture, agency, franchise, fiduciary, or employment relationship. Cobalt is not your agent and owes you no fiduciary duty.

28.7 Notices. Notices to you may be given by email to your account address, by in-Portal notice, or by posting; each is effective on transmission or posting. You are responsible for keeping your contact information current. Notices to Cobalt must be in writing to Section 29.

28.8 Compliance with law; export and sanctions. Each party will comply with applicable law. You will comply with U.S. export-control and economic-sanctions laws and will not use the Services in or for the benefit of an embargoed jurisdiction or sanctioned party.

28.9 U.S. Government users. The Services are "commercial computer software" provided with only those rights granted to all other users under these Terms.

28.10 Headings and interpretation. Headings are for convenience only. "Including" means "including without limitation." References to a law include its regulations and amendments.

28.11 Language. The controlling language is English.

28.12 Third parties. Except as stated in Section 17.3, these Terms confer no rights on any third party.

28.13 Equitable relief. You acknowledge that breach of Sections 4, 5, 6, or 24 may cause irreparable harm for which damages are inadequate, and that we may seek injunctive relief without posting bond.

29. Contact and Notices

Cobalt Payments Inc. 2264 Silas Deane Hwy, Suite 105, Rocky Hill, CT 06067

© 2026 Cobalt Payments Inc. All rights reserved. Cobalt Payments Inc. is a registered ISO of Wells Fargo Bank, N.A., Concord, CA. The Clover trademark logo is owned by Clover Network, Inc., a First Data company. All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.