Terms, Conditions, Etc.

Updated on August 12, 2025

These Operator POS Terms and Conditions (these “Terms”), together with the other terms in the Agreement, are a binding contract between Cake Corporation, a Delaware corporation and a wholly owned subsidiary of Mad Mobile, Inc. (“Cake”) and the person or entity who is agreeing to the Agreement (“Operator”). The Agreement governs Operator’s use of the Cake services and products described in the Agreement that Operator has acquired a right to use in accordance with the terms of the Agreement (the “Cake Services”). “Agreement” means: (a) these Terms, including each document incorporated by reference into these Terms, (b) any terms agreed to as part of the Account (as defined below) creation or update process, (c) any Additional Terms (as defined below), (d) the Privacy Policy found at: https://madmobile.com/privacy-policy/ (“Privacy Policy”), (e) the Hardware Return Policy and Limited Warranty, (f) each Order (as defined below) entered into by Operator and Cake, and (g) each Order or services agreement that incorporates this Agreement by reference. BY SUBMITTING AN ORDER (AS DEFINED BELOW), APPLYING FOR AN ACCOUNT (AS DEFINED BELOW), CLICKING A BOX INDICATING ACCEPTANCE OF THESE TERMS, OR OTHERWISE ACCESSING OR USING ANY OF THE CAKE SERVICES, OPERATOR IS ACCEPTING THE AGREEMENT AND AGREES THAT OPERATOR HAS READ, UNDERSTOOD, AND AGREES TO BE BOUND BY THE AGREEMENT. IF YOU ARE USING THE CAKE SERVICES ON BEHALF OF A COMPANY, ENTITY, OR ORGANIZATION, THEN YOU REPRESENT AND WARRANT THAT YOU: (a) ARE AN AUTHORIZED REPRESENTATIVE OF THAT ENTITY WITH THE AUTHORITY TO BIND THAT ENTITY TO THE AGREEMENT AND (b) AGREE TO BE BOUND BY THE AGREEMENT ON BEHALF OF THAT ENTITY. IF YOU DO NOT AGREE, THEN YOU MAY NOT USE THE CAKE SERVICES. NOTE THAT THIS AGREEMENT CONTAINS AN ARBITRATION AGREEMENT (SEE SECTION 17), WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE OPERATOR TO SUBMIT CLAIMS OPERATOR HAS AGAINST CAKE TO BINDING AND FINAL ARBITRATION. 1. ORDERING CAKE SERVICES Operator may acquire Cake Services through an initial order placed with Cake (the “Initial Order”) and one or more additional orders that reference the Agreement and are placed with Cake during the Term (as defined below) (each, a “Supplemental Order” and all Supplemental Orders, if any, together with the Initial Order, the “Orders”). Each Order placed by Operator is subject to acceptance by Cake. Cake and Operator will cooperate to determine how a particular Order may be placed (e.g., through a Cake-controlled website, through a Cake representative, or otherwise). The pricing for Cake Services on each Order is based on Cake’s then-current pricing for the applicable Cake Service(s), except as otherwise expressly agreed by Cake. 2. ACCOUNT APPLICATION AND USE; UPDATES 2.1. Account Application. Operator must create a registered user account through Cake’s designated website or other process (the “Account”) to acquire or use the Cake Services. The Account creation process may occur in connection with placing the Initial Order and additional information may be required in connection with the Account as part of Supplemental Orders. The application that Operator is required to complete and submit to create its Account (the “Account Application”) may require Operator to provide information and consents regarding its business and bank account(s) and is subject to Cake’s final review and approval. 2.2. Account Access. Operator is solely and exclusively responsible for the confidentiality of and controlling access to the Account, including any use by any third party, and is further responsible for changing login information (such as the password) to maintain continued confidentiality and limited access to the Account. Cake will not be responsible for any losses arising out of the unauthorized use of the Account. If Operator has reason to believe that the Account is no longer secure, Operator must immediately notify Cake at support@madmobile.com. 2.3. Changes to Account or Operator. Operator will keep information about Operator within the Account complete and accurate at all times. Operator's Account is accessible via the services portal available at https://admin.cake.net or its equivalent (the “Portal”). It is the Operator’s responsibility to keep its customer service contact information registered with Cake accurate and up-to-date. Operator will make commercially reasonable best efforts to promptly notify Cake of any anticipated sale of or change of control in Operator’s business or of its intent to change Operator’s trade name or fundamentally modify the manner in which Operator accepts payments. 2.4. Activation of Cake Services. Operator will cooperate with Cake to install applicable equipment, integrate systems, or otherwise activate any Cake Service as is reasonably necessary for the applicable Cake Services to be used by Operator. Failure to cooperate in the activation of a Cake Service does not relieve Operator’s obligation to pay any Fees (defined below) due under the Agreement. 2.5. Wireless or Internet Connectivity. Operator is solely responsible for the primary Internet access and connectivity necessary to utilize the Cake Services or Third Party Services (as defined below) and releases Third Party Provider and Cake from any liability arising in connection with Operator’s use or reliance on any wireless connectivity in connection with the Cake Services or Third Party Services. 2.6. Offline Mode. The POS Service may offer an “Offline Mode” as a convenience feature. Offline Mode enables the POS Service to operate in the absence of connectivity to the Internet. Card payments initiated in Offline Mode will be queued and submitted for authorization when Internet connectivity to the Services is reestablished. Operator assumes any and all risk, responsibility and liability associated with any transaction that Operator chooses to conduct in Offline Mode and, for the avoidance of doubt, releases Cake and its affiliates from any liability caused by Operator’s use of the Offline Mode in order to accept card transactions where such transactions are subsequently denied for any reason. 3. CAKE SERVICES DESCRIPTIONS; EXCLUSIONS 3.1. Cake Services. “Cake Services” includes some or all of the following, to the extent that Cake expressly agrees to make each of the following available to Operator as part of an accepted Order: (a) a cloud-based integrated point of sale and mobile ordering platform (the “POS Service”), as further described in Section 3.2; (b) online ordering enablement services to sell and promote Operator’s products to online consumers via Cake’s websites and applications (such as mobile apps) or any website(s) (including Operator websites and social media (e.g., Facebook plugins)) owned by Operator or provided as part of the Cake Services, together with related marketing campaigns, if applicable (the “Cake Order Service”), as further described in Section 3.3; (c) pay at table services enabling in-store bill payment by Buyers (as defined below) via personal mobile devices (the “Pay at Table Service” and together with the Cake Order Service, the “Digital Ordering Services”), as further described in Section 3.3; (d) gift card programs (“Cake Gift Cards”), as further described in Section 3.4; (e) a digital ordering delivery feature that enables Operators to send orders submitted by online consumers via a Cake Service to third-party delivery service providers (“Delivery Providers”) for delivery (the “Delivery Service”), as further described in Section 3.5; (f) technology services that enable Operator to offer a loyalty or rewards program to Buyers (“Loyalty Rewards”), as further described in Section 3.4; (g) certain professional services, such as training, installation, and troubleshooting services, each to the extent selected on the applicable Order or applicable to Operator, as further described in Section 3.5; (h) support provided by or on behalf of Cake in connection with use of the Cake Services or POS Hardware, as further described in Section 3.8; (i) access to other software or Internet services under Cake’s control; (j) provision of POS Hardware (as defined below) and related technology included on or provided with the POS Hardware, as further described in Section 4; and (k) certain ancillary marketing services provided by Cake. Cake may add additional Cake Services or discontinue or modify then-existing Cake Services from time to time, but will not materially remove functionality from Cake Services that are covered during an Order then in effect except as otherwise expressly specified in the Agreement. 3.2. POS Service 3.2.1. General. The POS Service is a local commerce cloud-based software as a service platform through which Operator may manage its business via a point of sale and/or mobile order system. The POS Service may include features such as order management, sales analysis, payment authorization, and menu management and is delivered in conjunction with a POS terminal or mobile tablet. 3.2.2. Third Party Partners. The POS Service runs on a platform that enables Operator to access, in addition to Cake’s proprietary features, certain third-party software solutions (“Third Party Services”) provided and supported by Cake’s business partners. Examples of Third Party Services are enhanced data analytics, merchant cash advances, accounting software reconciliation, workforce management, and inventory management services. If Operator elects at any time to use any Third Party Service that use is subject to the terms set forth in Section 5. Additionally, the applicable Third Party Provider (as defined below) may impose additional or superseding terms and conditions on Operator in connection with Operator’s use of the applicable Third Party Service through an Operator-TP Agreement (as defined below), terms of service, terms of use, or otherwise (“Third Party Terms”), such as terms that require a commitment to use and pay for a Third Party Service for a particular period. Operator’s right to use each Third Party Service is governed by the applicable Third Party Terms, which are directly between Operator and the applicable Third Party Provider. Cake does not guarantee the continuance of Cake’s or Operator’s relationship with any Third Party Provider for any period of time and if Cake’s or Operator’s agreement with a Third Party Provider is terminated, Operator’s access to the Third Party Services may be terminated or negatively affected. Additionally, if the Agreement is terminated or Operator’s access to the POS Service is suspended, Operator’s access to the Third Party Services may be terminated or negatively affected. ANY ACCESS OF OR CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH USE OF THIRD PARTY SERVICES IS AT OPERATOR’S RISK. CAKE IS NOT RESPONSIBLE FOR ANY ACTIONS OR OMISSIONS OF ANY THIRD PARTY PROVIDER AND EXPRESSLY DISCLAIMS ALL LIABILITY ARISING FROM THIRD PARTY SERVICES. CAKE DOES NOT WARRANT, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY THIRD PARTY PROVIDER OF A THIRD PARTY SERVICE. CAKE DOES NOT WARRANT OR GUARANTEE ON-GOING ACCESS TO ANY THIRD PARTY SERVICE VIA THE POS SERVICE OR OTHERWISE. 3.3. Digital Ordering Services. 3.3.1. The Cake Order Service is a restaurant online ordering system that enables Operator to set up and/or manage a restaurant ordering profile, comprised of contact, marketing and menu information (a “Cake Order Profile”), and publish such information to one or more web site or application (such as www.cake.net) or other media or media channels, devices, software, or technologies as may be included within the Cake Services and/or certain third party social media site(s) (e.g., Facebook.com), where Buyers can submit orders for products (such as food and drink) to Operator. The Cake Order Service enables restaurants to receive incoming Buyer orders and review such orders. Operators that use the Cake Order Service shall make available to Buyers a refund policy applicable to their online purchases. 3.3.2. The Pay at Table Service enables dining Buyers to pay in-store for products or services provided by Operator with a permitted payment method using their personal computing device and facilitates payment to Operator by the Buyer for those purchases. 3.3.3. Now or in the future to receive and be approved for Digital Ordering Services, Operator may be required to apply for a payments merchant account directly with Cake and its bank partners and agree to the Cake Payments Agreement (as defined in Section 3.12 below). To the extent Operator elects at any time to utilize a Digital Ordering Service and a Third Party Provider provides supporting services, the Third Party Provider may impose additional terms and conditions and Operator will comply with those terms for as long as Operator utilizes those services. 3.3.4. Operator designates Cake as its agent for the sole and limited purpose of receiving and processing payments made by Buyers for products and services provided by Operator. In connection with a purchase facilitated via a Digital Ordering Service, Cake will submit the charge to the Buyer’s payment method, as the agent of Operator, in the total amount of the purchase (including taxes, tip, etc.) as well as any credits required in connection with refunds, adjustments, or chargebacks. Receipt by Cake (or its banking partners) of payment from the issuer of the Buyer’s payment method shall constitute payment to Operator for the purchase, and the Buyer’s payment obligation to Operator shall be deemed completed at that time. Once a Buyer purchase has been submitted through a Digital Ordering Service, Operator acknowledges and agrees that a Buyer must contact Operator directly to inquire if Buyer can make a change to or cancel such purchase or whether Buyer may receive a refund for such purchase. 3.3.5. Cake in its sole discretion may establish limitations concerning use of the Digital Ordering Services by Operator or a Buyer, including without limitation transaction limits on the dollar amount or number of payment transactions a Buyer may make or Operator may receive over certain time periods. Cake may decline to process any payment transaction without any notice to Operator or Buyer. Cake may delay processing of or hold or cancel processing of any payment transaction upon Operator’s direction or if Cake believes, in its sole discretion, that the transaction is invalid, suspicious, involves misconduct or fraud, or otherwise violates applicable law or card brand regulations, this Agreement or any applicable Cake policies. 3.4. Cake Gift Card Program 3.4.1. Generally. Cake Gift Cards is a gift card management program that enables Operator to offer gift cards to its Buyers to redeem for Operator’s goods and services at an Operator location (i.e., the gift cards are “closed loop” gift cards) and to monitor the balance and redemption of those gift cards. The Cake Gift Card program is offered from time to time through use of generic cards (“Generic Cards”), custom designed cards (“Custom Cards”) or electronic gift cards (“eGift Cards” and collectively, “Gift Cards”). Gift Cards are designed for compatibility with the POS Service and may not function with third party point of sale software or hardware. Operator will pay Fees associated with the Cake Gift Cards service (in the absence of an Order form to the contrary such fee shall be $25 per month per location) and any applicable card production and shipping fees for each order of physical gift cards. 3.4.2. Gift Card Law Compliance. A Buyer may not have more than $2,000 (or the maximum permitted by law, whichever is lower) in value on any Gift Card issued by Operator in connection with the Cake Gift Cards services nor be permitted to add value to a Gift Card so that the total funds loaded on a Gift Gard in any single day exceed $2,000. Operator will implement policies and procedures reasonably adapted to prevent the sale of more than $10,000 (or the maximum permitted by law, whichever is lower) in Gift Cards to any Buyer during any one day. Expiration dates and service fees on Gift Cards are prohibited, unless and to the extent allowed by applicable law. Operator may not assess or impose any fees or charges on the issuance, maintenance, or redemption of Gift Cards (unless permitted by applicable law). While Operator may not generally provide a cash refund from or cash back on Gift Cards, certain states (e.g., California) require that a gift card with a balance of less than a certain amount ($10 in California) be redeemable by Operator in cash. Operator is solely responsible for compliance with, and covenants to comply with, federal (including the Credit Card Act of 2009), state, and local laws that apply to gift cards, including those that relate to notices and disclosure, fees, exchanges and refunds, expiration dates, and abandoned property compliance and reporting. These laws may require Operator to report and pay over to the applicable local, state, or federal governmental agency any unredeemed cash value of any Gift Cards. Operator is responsible for customer service for Buyers and holders of Gift Cards and for tracking the amount paid for any Gift Cards and any unredeemed balance of that amount. Operator is responsible for losses resulting from fraud committed by Buyers or Operator employees and any other use or misuse of Gift Cards or any third-party claims arising from Gift Cards. 3.4.3. Gift Card Disclaimer. OPERATOR, NOT CAKE, IS THE ISSUER AND ADMINISTRATOR OF ANY GIFT CARDS, HOLDS ANY AND ALL FUNDS RELATED TO GIFT CARDS (UNTIL FUNDS ARE REDEEMED), AND IS SOLELY RESPONSIBLE FOR HONORING GIFT CARDS (THE “GIFT CARD OBLIGATIONS”). 3.4.4. Gift Card Program Cessation. Any unused balance of any Gift Card must remain available to the holder of the Gift Card until redeemed in full, even if Operator has ceased subscribing to the Cake Gift Cards service. Specifically, if and when the Cake Gift Cards service is terminated, Operator must establish records in tangible or electronic form that enable Operator to honor its Gift Card Obligations. Further, in the interests of protecting Buyers, if the Agreement terminates or Operator ceases using the POS Service (for whatever reason) then Operator will make good faith efforts to (a) migrate any card funds underlying any Gift Cards to a new gift card program that is compatible with Operator’s new point of sale system or (b) if Operator’s new point of sale system is practicably incompatible with Gift Cards (as programed) or Operator is not using any point of sale system on a go-forward basis, then Operator will establish records in tangible or electronic form that enable Operator to honor its Gift Card Obligations. Cake will provide reasonable access to documentation and technical specifications (subject to the confidentiality and intellectual property provisions of the Agreement) to the extent reasonably necessary for Operator to achieve the foregoing. None of the foregoing will limit Operator’s obligations under this Section 3.4, including Gift Card Obligations. 3.5. Delivery Services. 3.5.1. Delivery Services (if available) are powered by third-party delivery service providers such as Doordash (“Delivery Providers”). Delivery Providers will only accept delivery orders within a certain preset delivery area (usually a delivery radius of 5 miles). Delivery orders will only be accepted during the operating hours for the applicable Delivery Provider, which may vary by Operator location. Cake has no contractual relationship with any independent contractor couriers retained by Delivery Providers and makes no warranty for the delivery services provided by them. 3.5.2. Delivery Fees and Tips. Unless otherwise set forth in the applicable Order, the delivery fees for the Delivery Services shall be $10 per delivery order plus all tips paid by the Buyer (collectively, “Delivery Fees”). Cake may change such pricing upon written notice. Any requests for refunds of the Delivery Services fee must be made to Cake by written notice within 5 days of the purchase date, however, in no case will Cake be required to refund any Delivery Fee amounts except to the extent Cake or the Delivery Provider caused the underlying delivery order to fail. Orders requiring redelivery due to Operator's error, including Operator personnel providing an incorrect or incomplete order, are subject to additional delivery fees. 3.5.3. Relationship. Cake is not itself a food delivery service. Cake enables the Operator to offer delivery as part of its food services and facilitates the electronic communication of Buyer orders to the applicable Delivery Provider for delivery fulfillment. Operator is solely responsible for setting the fee it charges Buyers to request delivery of a product order. Operator is responsible for all taxes, duties, and other governmental charges on the amounts charged for delivery and remitting such taxes. Cake has no contractual relationship with any independent contractor couriers retained by Delivery Providers and Operator should contact the Delivery Provider directly in connection with any delivery omissions, misrepresentations or errors. Cake will not be responsible for any delivery customer support or refund determinations between Operator and Buyers. It is Operator’s responsibility to determine and pay out to customer the refund amounts it determines are owed to Buyers in accordance with Operator’s refund and cancellation policy. 3.5.4. Training and Fulfillment. Operator is responsible for training staff members with respect to receiving and fulfilling delivery orders and ensuring that items for each order are prepared and made available for timely pick-up by the courier. Operator will: (a) provide information required for Delivery Providers to fulfil its obligations under including the Buyer’s address, contact information, and any special instructions required for delivery; and (b) where applicable obtain consent from Buyers to share their telephone numbers and other personal contact information with Delivery Providers and for Delivery Provider to use Buyer personal information to fulfil its obligations to deliver the products. Operator consents to receiving text messages and email confirmations from Delivery Providers with status updates and delivery confirmations in connection with each order. 3.5.5. Customer Support. As between Cake and Operator, Operator is solely responsible for addressing Buyer inquiries related to delivery services provided by the Delivery Provider or its couriers. Operator shall contact Delivery Provider to resolve any issues with respect to any delivery issues. DoorDash customer support is available at 855-431-0459 / 855–973-1040 and drivesupport@doordash.com (subject to updates by DoorDash from time to time). 3.5.6. Restrictions. Operator agrees to be bound by the Delivery Provider terms, policies, and guidelines provided to Operator, including any use restrictions, pricing policies, and refund and cancellation guidelines. In connection with any use of DoorDash services for delivery fulfillment, Operator agrees to the DoorDash Terms of Service available at https://help.doordash.com/legal/document?type=mx-terms-of-service®ion=US&locale=en-US and the DoorDash Partner Code of Conduct available at https://www.doordash.com/partner/code-of-conduct. Operator represents and warrants that it will not include any products restricted by Delivery Providers (including any alcohol, tobacco or vape products) as an item available or request delivery of any restricted items. A list of items currently restricted by DoorDash is available at: https://help.doordash.com/merchants/s/platform-restricted-items. Delivery Providers may modify applicable restrictions at their discretion and may remove or decline to transport, deliver, or otherwise make available through their services any items that they deem unsafe or inappropriate. Cake, at its sole discretion, reserves the right to revoke Operator’s access to the Delivery Service if Cake determines that Operator has violated applicable Delivery Provider terms. 3.6. Loyalty Rewards. 3.6.1. Loyalty Rewards enable Operator to offer a loyalty program to Buyers. Cake is not involved in or responsible for Operator’s loyalty program except for providing the technology service that facilitates the creation, delivery and management of the loyalty program. Operator is solely responsible for ensuring that its loyalty program and any associated points or rewards is structured and managed in compliance with applicable federal, state, or local laws, including federal, state, provincial, regional and local laws and regulations related to the collection, processing, or safeguarding of Personal Information (“Privacy Laws”) and those governing prepaid cards and special offers. 3.6.2. Responsibilities. In connection with its use of Loyalty Rewards Operator must (i) disclose to its Buyers any terms and conditions applicable to its loyalty program and notify Buyers of any excluded items from points eligibility under the program; (ii) if it amends or terminates its loyalty program, provide reasonable notice of such change or termination to its participating Buyers (to the extent required by applicable law), and (iii) to the extent required by applicable law, not reinstate its loyalty program within a year of any cancellation of such program unless it is able to reinstate the points of any prior participant in its terminated program. In connection with any messages and communications Operator sends in connection with Loyalty Rewards, Operator is responsible for honoring any Buyer privacy choices and ensuring that Buyers have provided consent to these communications. If Operator is located in Canada and its loyalty program includes points used by Buyers to purchase from Operator, Operator may not terminate the points under such program by the passing of time alone unless the goods or services obtained through such points are, individually, worth less than $50 Canadian. 3.7. Professional Services. On a time and materials fee basis, during standard business hours, Cake may (in its sole discretion) offer professional services such as training, installation, menu set-up, troubleshooting, and hardware repair services (directly or through a business partner) (“Professional Services”). The fee for Professional Services will equal Cake’s then-current rate for the applicable Professional Services multiplied by the number of units of the service being provided (e.g., per hour, per class, or per installation) plus the cost of materials. The rate and an estimate for the number of units being provided and materials cost will be quoted to Operator at the time of the request for Professional Services. The fee estimate does not limit the bounds of what may be further requested prior to or what is actually required for performance of the Professional Services. 3.8. Customer Service Support. Customer support is available for certain Cake Services. Cake will not be liable for any errors or omissions in any customer service support it provides or for any losses resulting from that support or lack of provision of support, including losses resulting from Operator’s reliance, or failure to rely on, that support. Customer support contact information is as follows: Phone: 1-855-696-2253 Email: support@madmobile.com Customer service calls (inbound and outbound) may be monitored and recorded by Cake to ensure quality of service in a manner consistent with applicable laws unless otherwise expressly stated during the call. Customer service may also be accessible via the Portal. 3.9. Additional Services. From time to time, Operator may be provided access via the Account to products or services beyond the products or services within the then-current scope of “Cake Services” (the “Additional Services”). The Additional Services may be subject to additional fees, terms, policies, rules, or guidelines or a separate agreement between Operator and Cake, such as end-user license agreements for any downloadable software applications, or rules applicable to a particular feature or content on the Cake Services (“Additional Terms”). Unless otherwise expressly stated in the Additional Terms, all Additional Terms are incorporated by this reference into, and made a part of, the Agreement. 3.10. Operator Deliverables. Operator is responsible for the provision of any ancillary supplies, maintenance, configuration, and services, if any, reasonably necessary to utilize any Cake Services (“Operator Deliverables”). Although the requisite Operator Deliverables vary depending on the type of Cake Service, at a minimum Operator may need: (a) a stable broadband Internet connection, (b) POS printer paper, and (c) a merchant account for payment processing services. Cake will not be liable for any problems or damages of any kind related to Operator Deliverables. 3.11. Upgrades. Cake may from time to time offer upgrades to a Cake Service that may be critical or mandatory (each, an “Upgrade”). Operator will cooperate to make or facilitate any downloads, installations, or system and process modifications to the extent required to effectuate those Upgrades and releases Cake from any liability for any interruption or cessation of any Cake Service for failure to so cooperate. 3.12. Exclusions 3.12.1. Payment Facilitator Services. Cake is not a bank and does not sell banking services (as defined by U.S. law), however, Cake now or in the future may offer payment facilitator services (“PayFac Services”) wherein Cake facilitates the processing of payments received in transactions with Buyers. “Cake Services” does not include PayFac Services. PayFac Services may, depending on Operator’s preferred use case, govern either card present or ecommerce transactions. To receive and be approved for PayFac Services, Operator will be required to apply for a payments merchant account directly with Cake and its bank partners and agree to the terms and conditions governing the PayFac Services (the “Cake Payments Agreement”) available at https://trycake.com/pages/cake-payments-terms (or its redirect). In connection with the PayFac Services, Cake is required to enter into legal contracts with processors, acquiring banks, and card networks (such as Visa and MasterCard). In some cases, the card networks may require that Operator enter into a contract directly with Cake’s processor or bank partners, either during the initial application process or at some other time, and further delivery of Cake’s payment facilitator services may be conditioned on entering into that contract. 3.12.2. Third Party Payment Vendors. If applicable to the Cake Service being provided, at Operator’s request, Cake may refer Operator to point of sale payment processing services provided directly (and not in connection with PayFac Services) by third party vendor(s) (each a “Payment Processor”) to facilitate processing of payments received from Operator’s customers (“Buyers”). Solely in connection with activities described in this Section 3.10.2 Cake is a registered ISO/MSP of Citizens Bank, N.A. Providence, RI. Operator will enter into any payment processing agreement(s) directly with those vendor(s). OPERATOR ASSUMES SOLE AND ABSOLUTE RISK FOR ITS USE OF SERVICES FROM THIRD PARTY PAYMENT PROCESSORS AND NO CAKE ENTITY (AS DEFINED BELOW) IS LIABLE FOR ANY CLAIM OR DAMAGE INCURRED BY OPERATOR ARISING FROM USE OF THOSE SERVICES. CAKE IS NOT RESPONSIBLE FOR PAYMENT PROCESSOR SERVICES AND NO WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR OTHERWISE, EXPRESS OR IMPLIED, ARISES ON THE PART OF CAKE. OPERATOR’S SOLE RECOURSE IN THE EVENT OF ANY CLAIM IS AGAINST THE PAYMENT PROCESSOR AND OPERATOR HEREBY IRREVOCABLY RELEASES AND WAIVES ANY CLAIM IT HAS OR MAY HAVE, WHETHER OR NOT INCHOATE, AGAINST CAKE ENTITIES ARISING FROM USE OF PAYMENT PROCESSOR SERVICES. 3.12.3 Beta Products. Cake may allow Operator to access, use, and/or test a Cake product or service that may still be in development or has not been market-tested (“Beta Product”) solely for the purpose of evaluating the functionality or marketability of the Beta Product (a “Early Adopter Program”). Operator’s participation in the Early Adopter Program is voluntary. Cake may provide materials to Operator regarding the scope of the beta testing, requirements, pricing, the length of the early adopter evaluation period and any other terms applicable to the Beta Product and/or require Operator to agree to additional terms and conditions governing the Early Adopted Program. Beta Products are not, and may not become, Cake Services and have not yet been publicly released and are offered for the sole purpose of internal testing and non-commercial evaluation. Beta Products may not perform at the level of a commercially available service; may not operate as expected and maybe modified prior to release. Company accepts all risks arising out of the access and use of the Beta Products. Cake may, in its sole discretion, at any time, terminate or discontinue the Early Adopter Program. All applicable rights in all copyrights, trademarks, trade secrets, trade names, patents and other intellectual property rights in or associated with the Beta Product are and will remain in Cakeand Operator shall have no such intellectual property rights in the Beta Products. IF AND TO THE EXTENT THAT OPERATOR PARTICIPATES IN A THE EARLY ADOPTER PROGRAM, IN NO EVENT SHALL ANY CAKE ENTITY BE LIABLE TO OPERATOR FOR ANY DAMAGES ARISING OUT OF OR RELATING TO THE BETA PRODUCT OR THE TRANSACTIONS PROCESSED THEREIN. 4. HARDWARE AND INSTALLATION 4.1. Acquisition of POS Hardware. The Cake Services may include the right to use certain point of sale or mobile hardware systems and related peripherals, including certain third-party hardware and accessories, provided to Operator by Cake (“POS Hardware”). “POS Hardware” does not include any equipment used by Operator in connection with the Cake Service that Operator did not acquire from Cake or any POS Software (as defined below). POS Software is licensed, not sold, to Operator, and is subject to the applicable license terms in Section 7. The POS Hardware may include without limitation one or more card reader, router, cash drawer, kitchen display system, printer, or other hardware and a copy of related user documentation. The POS Hardware components may be sold to Operator or leased to Operator. Any POS Hardware components that are sold to Operator are “Purchased Hardware”. The description of the POS Hardware components to be provided to Operator and applicable fees shall be set forth in the applicable Order. 4.2. Installation Services. The set-up, surface-mounted cabling, and plug-in of POS Hardware (“Installation Services”) is required to use certain Cake Services. The Installation Services may be performed by Operator or a Third Party Provider (at fees charged by such Third Party Provider). Cake may from time to time recommend a Third Party Provider for Installation Services but disclaims any responsibility for any services provided or fees charged by any Third Party Provider. Further, from time to time Cake - in its sole discretion - may offer to directly coordinate Installation Services at pricing set forth in the applicable Order and in that case, the installation of each separate Workstation generally requires payment of an additional installation fee. “Workstation” means (a) a single point of sale system inclusive of POS terminal, cash drawer, and local receipt printer (a “POS Set”) or (b) a single unit of hardware (such as a remote prep printer) not installed immediately adjacent to a POS Set to the extent that either of the foregoing requires a separate, isolated cable pull terminated to a location different than that of another Workstation. Scheduled installations delayed due to Operator’s acts or omissions or cancelled with less than 48 hours’ notice may be subject to wait time or cancellation fees. 4.3. Use of POS Hardware. Operator must not use POS Hardware or the POS Software other than in a manner and for the use intended. Operators may not purchase POS Hardware for resale, and Cake reserves the right to refuse or cancel any order if it believes an Operator will do so. Each item of POS Hardware must be operated carefully and properly in compliance with all applicable governmental, insurance, and manufacturer’s warranty requirements and all manufacturers’ instructions. 4.4. Remote Access to POS Hardware. Cake may from time to time with or without notice remotely access certain POS Hardware for purposes such as Operator support, installing software updates, risk analysis, and analyzing trends. 4.5. POS Hardware Returns and Limited Warranty. The cancellation, return and warranty terms of the POS Hardware are governed by the Hardware Return Policy and Limited Warranty (available at https://trycake.com/pages/hardware-return-policy-and-limited-warranty). 4.6. Purchased Hardware. The following terms apply to Purchased Hardware. 4.5.1. General. Upon full payment for and acceptance of delivery of the Purchased Hardware, Operator will acquire ownership of and title to the hardware components of the Purchased Hardware. Any POS Software provided with the Purchased Hardware is subject to the applicable license terms in Section 7. 4.5.2. Payment Plans. If Purchased Hardware is made available to Operator subject to a payments plan (“Payments Plan”), then the terms of this Section will also apply. Operator will make installment payments for the Purchased Hardware as set forth in the Order. The Hardware Warranty will apply to Purchased Hardware subject to a Payments Plan so long as Operator is in good standing with respect to installment payments, however, regardless of whether Operator is paying pursuant to a Payments Plan or otherwise, Operator will bear all risk of loss, theft, destruction, or requisition of, or damage to Purchased Hardware. If Operator fails to pay when due any installment payment due under the Agreement prior to receipt by a Cake of full payment for the Purchased Hardware, and the failure continues for 30 days after the due date, Cake may take any actions permitted by law to exercise its rights under the Agreement. 4.6. Availability and Shipping. All hardware orders are subject to product availability. While Cake will try to meet any suggested shipment and delivery dates, inventory shortages at Cake’s distributor(s), carrier delays, and the date and time of acceptance by Cake of the Account Application or applicable Order may affect the ability or timing related to the fulfillment of an order. Cake is not liable for late shipment or delivery or any loss, damage, or penalty Operator incurs from any delay in shipment or delivery. Operator is responsible for shipping, freight, and insurance relating to acquisition of POS Hardware unless otherwise set forth in the Agreement. In addition, there may be occasions when Cake confirms an order but subsequently learns that it is unable to supply the POS Hardware due to its inability to manufacture or obtain a sufficient supply of products. Therefore, Cake reserves the right at any time to limit or change quantities available for purchase or lease or to cancel an order. If Operator’s order is cancelled, Cake will refund any amounts paid by Operator for the POS Hardware. If for some reason POS Hardware is not delivered or not delivered in good operating condition, in order to be eligible for a replacement product Operator must notify Cake within 30 days of making the applicable Order. 4.7. Legacy Rentals of Hardware. If Operator leased POS Hardware from Cake pursuant to an agreement that Operator and Cake entered into prior to January 1, 2024 that specified that the equipment was rented to, rather than purchased by, Operator (the “Rented Peripheral Equipment”), the use of such leased POS Hardware is subject to the POS Hardware Lease Terms (available at https://www.trycake.com/legal/hardware-lease-terms/) (the “Lease Terms”). The Lease Terms do not apply to the EZ Pay flexible payment program. 4.8. Marks. Operator will not display marks or trade names of any third party on Cake-supplied POS Hardware nor alter or position any Cake-supplied POS Hardware in any manner so as to, in Cake’s reasonable judgment, disparage Cake or its products, services, or business partners, or create confusion as to the entity providing the Cake Services or POS Hardware. 5. THIRD PARTY COMMERCE SERVICES 5.1. Generally. Cake may currently be bound by or in the future enter into commercial agreement(s) (to which Operator is not a party) (“Cake-TP Agreements”) with one or more third parties (“Third Party Providers”) to integrate or otherwise associate the Cake Services with certain third party technology platform(s) (“TP Platforms”) in order to (a) enable access to the Third Party Services by Operator or (b) facilitate the delivery of certain services, such as online ordering, payment, gateway, and decryption services that are supported by those TP Platforms. Operator’s access to the TP Platform(s) is subject to the restrictions set forth in this Section 5. To the extent there is explicit conflict between the terms of this Section 5 and those of a separate agreement between Operator and the Third Party Provider regarding the subject matter of the Third Party Services or the applicable TP Platform or other agreement with a Third Party Provider related to the Cake Services (such as a payment processing agreement with a Payment Processor) (each, an “Operator-TP Agreement”), then the terms of the Operator-TP Agreement will control. EXCEPT AS MAY BE SPECIFIED IN THE APPLICABLE OPERATOR-TP AGREEMENT: (i) NO WARRANTY OF ANY KIND IS MADE TO OPERATOR BY THIRD PARTY PROVIDERS, INCLUDING WARRANTIES OF TITLE, PERFORMANCE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT AND (ii) THIRD PARTY PROVIDERS ARE NOT LIABLE TO OPERATOR FOR ANY DAMAGE CAUSED BY ERROR, OMISSION, OR INACCURACY IN THE APPLICABLE TP PLATFORM OR FOR LOSS OF REVENUES ASSOCIATED WITH ANY OUTAGE OR UNAVAILABILITY. 5.2. Support. Each Third Party Provider is responsible for providing support services directly to Operator (rather than via any Cake Services platform) only as set forth in the applicable Operator-TP Agreement. 5.3. Use of TP Platforms. Operator will use only the most current release of each TP Platform made available to it. In connection with use of any TP Platforms, Operator will comply with (a) any Third Party Provider terms of use or privacy policy applicable to each TP Platform and (b) all applicable laws, contracts, regulations, and industry standards, including Privacy Laws, the Privacy Policy, and the Payment Card Industry Data Security Standard (to the extent applicable), with respect to its: (i) provision, use, and disclosure of cardholder data; (ii) dealings with the cardholders providing cardholder data; and (iii) use of each TP Platform. 5.4. Ownership. All title and Intellectual Property Rights in and to TP Platforms are owned by the applicable Third Party Provider, not by Operator, unless otherwise set forth in the applicable Operator-TP Agreement. Changes to TP Platforms may occur without notice. 6. FEES AND PAYMENT 6.1. Fees. Operator will pay the fees listed on the applicable Order for the Cake Service(s) or POS Hardware or as otherwise set forth in this Agreement (the “Fees”). Cake reserves the right to change recurring Fees for the Cake Services at any time in Cake’s sole discretion upon 30 days’ notice (which may be by email). Such notice will include the effective date of the change(s). Operator’s continued use of the applicable Cake Services subsequent to any change in Fees will be deemed acceptance of such changes unless Operator closes its Account prior to the effective date of such change and ceases all access to and use of the Cake Services. If Operator does not accept such Fee and/or rate change under this sub-Section 6.1, then Operator may terminate this Agreement by providing Cake written notice prior to the effective date of such Fee and/or rate change, and Operator shall only be liable to Cake for the payment of Fees and/or rates for Cake Services provided through the date of Operator’s notice of termination. Activation fees, including fees for equipment installation, are nonrefundable unless the parties otherwise agree in writing. Fees obligations, including but not limited to fees for length of a POS Services or leasing term and activation fees, are non-cancelable and the Fees nonrefundable unless otherwise noted in the applicable Order. Any early payment made by Operator in consideration for discounted pricing is non-refundable unless waived by Cake in a separate written agreement. 6.2. Payment. Fees are due and payable by Operator in accordance with the agreed-upon billing period. Fees for the purchase of Purchased Hardware and activation fees, such as installation fees, may be due immediately upon submission of the applicable Order. The Fees involve recurring charges (through any renewal term) and Fees may be paid by credit card or a linked bank account or (if applicable) transaction proceeds related to Cake Payfac Services. Operator authorizes Cake (or an authorized third party acting as an agent of Cake) to collect the Fees by charge to Operator’s applicable payment card(s) or bank account(s). To stop recurring charges on a particular payment card or bank account please contact Cake at support@madmobile.com. 6.3. Any portion of Fees not paid when due will accrue interest (accruing from the initial due date) at the lower of 1.5% per month or the maximum lawful rate until the Fees, and any accumulated interest, are paid in full. Failure to pay undisputed amounts owed and due on demand in full is a breach of the Agreement and may result, to the extent not prohibited by law, in: (a) the immediate cancellation or suspension of Operator’s Account and/or access to the Cake Services and (b) the charge to Operator of additional fees arising from the collection of delinquent accounts, including collection agency fees, attorneys’ fees and expenses, costs of any legal proceeding, and any applicable interest. Any cancellation or suspension by Cake of the Cake Services under the preceding sentence will not relieve Operator of any of its payment obligations under this Agreement. In its discretion, Cake may make appropriate reports to credit reporting agencies and law enforcement authorities regarding Operator’s accounts receivables and Fees due and cooperate with them in any resulting investigation or prosecution. 6.4. Electronic Funds Transfers 6.4.1. Authorization. Operator authorizes Cake and its affiliates to do the following until Operator revokes such authorization by reasonable notice to Cake: (a) credit or debit amounts payable to or by Operator under the Agreement to or from any bank accounts designated by Operator for use under the Agreement (“Bank Accounts”); and (b) initiate debits from or credits to Bank Account(s) to correct any errors or temporarily debit de minimis amounts to verify accuracy of account information. For the avoidance of doubt, the foregoing authorization applies to one-time as well as recurring (such as monthly) Fees charged to Operator for Cake Services up until and through any renewal term of Cake Services. Operator’s obligations to pay Fees related to Cake Services provided under a subscription basis are continuous until cancellation of the Cake Services (as permitted under the Agreement). For any transfer from or to a Bank Account that fails, Operator authorizes Cake to re-try the transfer within 30 days. If Cake is unable to obtain payment due to nonsufficient funds or refused payments, Cake may charge a handling fee along with any fees incurred in connection with each attempt, in addition to the invoiced amount. That handling fee and fees incurred may also be debited from Bank Account(s). Operator will promptly notify Cake if it intends to change or close any Bank Account so as to afford Cake a reasonable opportunity to discontinue any prescheduled transfer. Cake will not be responsible for fees charged to Operator by its bank for nonsufficient funds. Operator understands that this authorization will remain in effect until it cancels it in writing or Operator’s payment obligations under the Agreement terminate (whichever is earlier). 6.4.2. Collection Rights. Subject to applicable law, Operator hereby agrees that amounts, including recurring Fees, for which Operator is responsible under the Agreement may be deducted from its Bank Accounts. 6.5. Taxes 6.5.1. Withholding Taxes. Cake may be required by tax authorities or law to withhold taxes on behalf of Operator. Cake reserves the right to deduct those taxes from amounts due to Operator and to remit them to the appropriate tax authority. Cake may also be required to report the withholding tax payments to the tax authorities. 6.5.2. Service and Hardware Taxes. Fees quoted on any Order or otherwise specified via the Account are exclusive of, and unless otherwise expressly specified, Operator is responsible for, all sales, use, excise, value added, and property taxes, e-waste recycling fees, and other taxes, duties, levies, or similar charges, however designated, that are levied by any governmental or taxing authority relating to the activities governed by the Agreement, including any taxes assessed or required to be collected, paid, or withheld in connection with Operator’s receipt of the Cake Services or POS Hardware (“Service and Equipment Taxes”), but excluding taxes in respect of Cake’s net income. Cake may its sole discretion calculate, collect, or pay estimated Service and Equipment Taxes and, if it does so, Cake reserves the right to charge and Operator will pay any Service and Equipment Taxes (in addition to Fees) as reasonably calculated by Cake. Calculation of Service and Equipment Taxes by Cake may be estimated at the time an Order is placed, based on, among other things, rates applicable to the billing address provided to Cake, and subsequently adjusted to conform to applicable law or regulation. For example, in certain jurisdictions, such as California, purchases of hardware may implicate an electronic equipment recycling fee (for which Operator is responsible) upon purchase. 6.5.3. Buyer Transaction Sales Tax Computation and Reporting. Operator is solely responsible for determining any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection with Buyer transactions (“Transaction Taxes”). The Cake Services may charge and collect Transaction Taxes from Buyers as an agent on behalf of Operator or provide certain sales tax calculations (based on default settings or Operator instructions) with respect to transactions with Buyers as a convenience to Operator. However, these calculations cannot be relied upon as advice for tax purposes in any federal, state, or local jurisdiction. It is Operator’s sole responsibility to: (a) appropriately verify, input, and apply tax amounts and to apply the correct tax rates to determine what, if any, Transaction Taxes apply to payments Operator makes or receives, (b) comply with federal, state, and local tax record-keeping requirements, and (c) consult with accounting professionals as necessary on tax-related matters. It is Operator’s sole responsibility to collect, report, and remit the correct Transaction Taxes to the appropriate tax authority. Cake is not responsible for determining whether Transaction Taxes apply to Operator’s transactions with Buyers, or for collecting, reporting, or remitting any Transaction Taxes. Cake will not be liable for any owed taxes or fees or any losses or damages related to tax calculations in the Cake Services. For the avoidance of doubt, subject to applicable law, Cake is not obligated to, nor will it report or remit any Transaction Taxes to any tax authority. If fees imposed by Cake on any service, such as a Digital Ordering Service, are based on a percentage fee or subject to card processing fees, it is Operator’s obligation to ensure that the fee charged does not result in the diminishment of the amount of Transaction Taxes reported or remitted to any tax authority. Operator is solely responsible for maintaining any business records related to Operator’s sales and gross receipts. Operator may be asked to provide Cake with a valid Tax Identification Number for tax reporting purposes. An IRS Form 1099 may be issued in Operator’s name for the value of payments made. 6.6. Net Settlement; Hardware Interest 6.6.1. Payment Processing Funds. To the extent permitted by law and in accordance with the Cake Payments Agreement, Operator authorizes Cake’s banking partners, without prior notice and irrespective of whether a demand for payments has been made under this Agreement or any other related agreements, to deduct amounts corresponding to Fees owed under this Agreement or an Early Termination Fee from the payout of funds settling from card transactions submitted by Operator through the Cake PayFac Services (if applicable). For the avoidance of doubt, in all cases you as Operator remain solely responsible for the delivery of goods and services purchased by Buyers and any such collection of Fees will not relieve Operator of its obligations to deliver those goods and services. This authorization will remain in effect until Cake receives notice from Operator terminating the authorization or Operator’s payment obligations under this Agreement terminate (whichever is earlier) and in such manner as to afford Cake and its partners a reasonable opportunity to act on it. Nothing in this section is intended to limit any rights Operator may have which may not be lawfully limited. 6.6.2. Purchased Hardware. To secure Purchased Hardware until Cake receives payment in full for the Purchased Hardware, Operator hereby grants Cake a security interest in all Purchased Hardware sold to Operator. The security interest will not apply if prohibited by applicable law or with respect to any Purchased Hardware purchased under a Payments Plan if it contravenes the terms and purposes of a bona fide conditional contract of sale. If Cake agrees to deliver Purchased Hardware to Operator before full payment and Operator fails to make full payment of the purchase price of Purchased Hardware in accordance with the agreed upon payment schedule then Cake may, at its option and without further notice or demand (unless otherwise required by law), declare all amounts owed for Purchased Hardware immediately due and payable and exercise all rights and remedies of a secured party under applicable law, including but not limited to repossessing the Purchased Hardware, with or without legal process, and Operator shall be responsible for all reasonable costs and expenses incurred by Cake in exercising its rights under this Section, including collection costs and legal fees and repossession, shipping, and storage fees. Operator hereby authorizes Cake to charge such costs and expenses against Operator’s payment card and/or bank account on record. 6.6.3. Upon payment in full for any Purchased Hardware, Cake’s security interest in that Purchased Hardware is released automatically. 7. LICENSES; OWNERSHIP; PROPRIETARY RIGHTS 7.1. Definitions 7.1.1. “Authorized User” means any Person using the POS Software on Operator’s behalf or for Operator’s benefit. 7.1.2. “Documentation” means user manuals, technical manuals, and any other materials owned by Cake and provided by Cake to Operator, in printed, electronic or other form, that describe the installation, operation, use, or technical specifications of the POS Software or Cake Services. 7.1.3. “Intellectual Property Rights” means any and all registered and unregistered rights granted, applied for or otherwise now or hereafter in existence under or related to any patent, copyright, trademark, trade secret, database protection, or other intellectual property rights laws, and all similar or equivalent rights or forms of protection, in any part of the world. 7.1.4. “Person” means an individual, corporation, partnership, joint venture, limited liability company, governmental authority, unincorporated organization, trust, association, or other entity. 7.1.5. “POS Software” means any software installed on or otherwise provided by Cake to Operator for use in connection with POS Hardware, including any updates to that software made available by Cake to Operator from time to time. 7.2. POS Software and Documentation. If Operator acquires POS Hardware from Cake, Cake hereby grants to Operator, during the Term, a limited, non-exclusive, revocable, non-sublicensable, nontransferable license under Cake’s Intellectual Property Rights in the POS Software and Documentation to use the POS Software and Documentation in connection with that POS Hardware solely: (a) by and through its Authorized Users, (b) in accordance with the Documentation, and (c) for internal business purposes. 7.3. Third-Party Materials. The POS Software may include software, content, data, or other materials, including related documentation, that are owned by Persons other than Cake and that are provided to Operator on Operator terms that are in addition to or different from those contained in the Agreement (“Third-Party Licenses”). A list of all materials, if any, included in the POS Software and provided under Third-Party Licenses is as follows (as of the date of this version of the Terms): Ubuntu; Spring Framework; Symfony Framework; Google Guice; React; Apache; Jetty; Tomcat; Node Js; RabbitMq; MemCache; TeamViewer; IntelliJ; Atlassian Tools; Eclipse; CouchDB; MySQL; Hadoop; iOS; and Android. The applicable Third-Party Licenses are accessible via links from the web sites of those licensors. Operator is bound by and will comply with all Third-Party Licenses. Any breach by Operator or any of its Authorized Users of any Third-Party License is also a breach of the Agreement. 7.4. Responsibility for Use of Software. Operator is responsible and liable for all uses of the POS Software and Documentation through access provided by Operator, directly or indirectly. Specifically, and without limiting the generality of the foregoing, Operator is responsible and liable for all actions and failures to take required actions with respect to the POS Software and Documentation by its Authorized Users or by any other Person to whom Operator or an Authorized User may provide access to or use of the POS Software or Documentation, whether that access or use is permitted by or in violation of the Agreement. 7.5. Prohibitions. Operator will use the Cake Services only for their applicable intended commercial purposes and in compliance with all privacy, data protection, intellectual property, and other applicable laws. Operator will not nor may it permit any third party to do any of the following: (a) modify, duplicate, sell, or create derivative works from Cake technology or materials or copy (except for archival purposes), rent, lease, distribute, pledge, assign, or otherwise transfer or encumber rights to the Cake Services, (b) load, install,or use any third party software onto the Cake Services other than software explicitly authorized by Cake; (c) use data mining or gathering devices on the Cake Services or otherwise access or monitor any material or information on the Cake Services or any Cake system using any manual process or robot, spider, scraper, or other automated means unless Operator has separately executed a written agreement with Cake referencing this Section that expressly grants Operator an exception to this prohibition; (d) enable functionalities that are otherwise disabled in the Cake Services; (e) interfere with the security of the Cake Services or prevent access to the Cake Services by Cake’s other users; (f) use the Services to generate unsolicited advertising or bulk e-mail, (g) use or access the Cake Services to build or support, and/or assist a third party in building or supporting, products or services competitive with the Cake Services, or (h) otherwise use the Cake Services except as expressly allowed under the Agreement. 7.6. Intellectual Property Rights. Cake reserves all rights not expressly granted to Operator in the Agreement. The POS Software and Documentation are provided under license, and not sold, to Operator. Operator does not acquire any ownership interest in the POS Software or Documentation under the Agreement, or any other rights in the POS Software or Documentation other than to use the same in accordance with the license granted, and subject to all terms, conditions, and restrictions, under the Agreement. Cake and its licensors and service providers reserve and retain their entire right, title, and interest in and to the POS Software and all Intellectual Property Rights arising out of or relating to the POS Software, except as expressly granted to Operator in the Agreement. There are no implied rights of any kind. The Agreement does not grant you any rights to Cake’s trademarks or service marks. 7.7. Feedback. If Operator chooses to provide input and suggestions regarding problems with or proposed modifications or improvements to the Cake Services, POS Software, or Documentation or Beta Products (“Feedback”), such Feedback shall belong exclusively to Cake, without any requirement to acknowledge or compensate Operator. Operator agrees to assign, and hereby assigns, all right, title, and interest worldwide in the Feedback and the related intellectual property rights to Cake and agrees to assist Cake, at Cake’s expense, in perfecting and enforcing such rights. Cake may disclose or use Feedback for any purposes whatsoever without any obligation to Operator. 7.8. Materials. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Cake Services, POS Software, or Documentation (“Materials”) are protected by intellectual property and other laws. All Materials included in the Cake Services, POS Software, or Documentation are the property of Cake or its third-party licensors. Except as expressly authorized by Cake, Operator may not make use of the Materials. Cake reserves all rights to the Materials not granted expressly in the Agreement. 8. GENERALLY APPLICABLE SERVICE TERMS 8.1. Email and Text/SMS Marketing Communications. By providing Cake with Operator’s mobile telephone number or email address, Operator consents to receive email or text messages at that email address or number, as applicable, as requested for Account verification and other purposes related to the Cake Services, as well as messages from Cake and its business partners to promote services, products, and features related to the Cake Services that may be of interest to Operator or to solicit Operator’s opinion for market research purposes. While Cake does not charge a fee for text messages, Operator’s carrier may charge standard messaging, data, and other fees. Operator is responsible for these charges. Cake may send and receive text messages through cellular telephone operators or other networks, and the level of reliability may vary. Cake is not responsible for the timeliness or final delivery of the messages, as this is out of Cake’s control and is the responsibility of the cellular telephone operator or other networks. To the extent Cake provides to Operator, or Operator receives through use of the Cake Services, any Buyer mobile phone numbers or email addresses, Operator agrees to comply with all laws applying to electronic marketing when using any Buyer mobile phone number or email address and, specifically, that Operator will not send unsolicited commercial emails in violation of the CAN-SPAM Act (2003), as the same may be amended, modified, or replaced, or otherwise send any commercial messages in violation of Applicable Law and Rules, including without limitation the Telephone Consumer Protection Act of 1991 (“TCPA”), as the same may be amended, modified, or replaced. NOTWITHSTANDING THE CAPABILITY OF THE CAKE SERVICES TO COLLECT AND STORE BUYER INFORMATION AND TO ALLOW BUYERS TO ELECT TO RECEIVE MARKETING MATERIALS FROM OPERATOR AND CAKE, APPLICABLE LAW AND RULES MAY LIMIT THE USE OF SUCH INFORMATION ONCE COLLECTED, EVEN IF BUYER HAS PROVIDED CONSENT, AND THE DISCLOSURE OF SUCH INFORMATION TO THIRD PARTIES. OPERATOR SHALL AT ALL TIMES COMPLY WITH SUCH APPLICABLE LAW AND RULES. 8.2. Receipts. Operator must comply with all applicable laws and regulations applying to receipts. As a convenience, but not in lieu of a written receipt, the POS Service may now or in the future offer Buyers a choice to sign-up to receive digital receipts (that may contain additional information or messages from Cake that may be of interest to Buyers) through email or text message. In that case, the Buyer must personally enter his or her Buyer Data in the appropriate space displayed on the applicable device and Operator is not permitted to add or modify any Buyer information or consent indication on behalf of the Buyer. Digital receipts may contain additional messages, offers, or links that may be of interest to Buyers and with respect to each Buyer who desires to receive marketing material, enroll in a loyalty program, or receive other communications from Operator via the Services, such Buyer must indicate such affirmative consent; Operator and/or its employees are not permitted to add or modify a Buyer’s consent indication on his or her behalf. 8.3. Compliance. Operator will at all times comply with any operating procedures, requirements, or guidelines regarding Operator’s use of the Cake Services that are made available. Operator will abide by all product licensing provisions or end user agreements imposed by the manufacturer or software publisher on the POS Hardware. Operator will not, and Operator will ensure that its agents, such as its employees, do not reverse engineer, disassemble, decompile, or otherwise attempt to discover the source code, object code or underlying structure, ideas or algorithms for the software provided with any Cake Service or POS Hardware or remove or alter any trademark, logo, copyright,or other proprietary notices, legends, symbols, or labels in proprietary software or hardware provided by Cake or a third party. Notwithstanding Operator’s use of the Cake Services to facilitate the management of any aspect of Operator’s business, Operator is solely responsible for compliance with all laws and regulations that are applicable to Operator’s business and Cake will not be responsible for Operator’s compliance failures. Operator is solely responsible for ensuring the accuracy of all business information and data that: (a) Operator provides to Cake or its service providers in connection with the Cake Service or (b) is incorporated into any Cake Services at Operator’s request. 8.4. Workforce Management. The Cake Services may provide certain workforce management features and calculations with respect to timesheets, payroll management, service gratuities/tips and other related activities (based on default settings or Operator instructions). Operator is responsible for verifying the accuracy, timeliness, and completeness of any personal, wage, timecards or any other information Operator and its employees or independent contractors provide or directly input via the Cake Services or any other method. Cake is entitled to rely upon, and are not obligated to independently verify, all such information. We will not be liable for any penalty, interest or other liability that results from information Operator or its employees or other agents supply. Operator is ultimately responsible for compliance with all federal, state, and local laws, and any citations, fines, penalties or costs associated with noncompliance. Operator acknowledges and agrees that workforce management features may not include all features and functionality necessary to run Operator’s business and to meet all federal, state, and local reporting obligations applicable to Operator’s business. Operator is responsible for determining whether the workforce management features meet its reporting needs and Cake is not providing any legal, financial, accounting, tax or other professional advice to Operator by providing the Cake Services. To the extent that Operator leverages any biometric identification features of the Cake Services for system security, employee timekeeping or any other purpose, Operator agrees to protect and store any biometric data collected in accordance with applicable standards and laws and obtain the written consent of any employee or other individual prior to collecting any such biometric data. For the avoidance of doubt Operator must comply with applicable wage and hour laws and laws requiring timely and full distribution of tips. Tips are the property of the service and delivery workers who earn them and Operator generally has a legal obligation to remit all tips to those service and delivery workers. If fees imposed by Cake on any service are based on a percentage fee or subject to card processing fees, it is Operator’s obligation to ensure that the fee charged does not result in the diminishment of tips (except as permitted by law) provided to Operator’s service or delivery workers. 9. CONFIDENTIALITY; PRIVACY; USE OF DATA 9.1. Generally. “Confidential Information” means information and materials related to Cake or the Cake Services, and all non-public, confidential or proprietary information of the Cake Entities, including specifications, samples, patterns, designs, plans, drawings, documents, data, business operations, customer lists, pricing, discounts, or rebates, disclosed by Cake to Operator or otherwise obtained by Operator from Cake, whether disclosed orally or disclosed or accessed in written, electronic, or other form or media, and whether or not marked, designated, or otherwise identified as “confidential,” in connection with the Agreement. “Confidential Information” does not include any information that Operator can demonstrate: (a) was publicly known and made generally available in the public domain prior to the time of disclosure to Operator by Cake; (b) became publicly known and made generally available after disclosure to Operator by Cake through no action or inaction of Operator; or (c) was in the possession of Operator, without confidentiality restrictions, at the time of disclosure by Cake, as shown by Operator’s files and records. Confidential Information is, as between Cake and Operator, the sole property of Cake and may include valuable trade secrets of Cake. Operator will treat the Confidential Information as confidential and will not, without the express written consent of Cake: (i) use Confidential Information except for the purposes expressly permitted in the Agreement; (ii) distribute or market Confidential Information to any third party; or (iii) disclose information relating to the documentation, performance, or quality of the Cake Services to any third party (except as permitted by law). The provisions of this paragraph are effective during the Term (as defined below) and for a period of two years after the Term, except that, for information that constitutes a trade secret under applicable law, the protection period is extended for so long as that information continues to qualify as a trade secret. Operator may disclose Confidential Information if and only to the extent required by law if Operator gives Cake prompt written notice of the requirement prior to the disclosure and assistance in obtaining an order protecting the information from public disclosure. 9.2. Disclosure of Operator Information. To the fullest extent permitted by applicable law, Cake may disclose information provided by Operator to third parties (such as financial institutions, credit reporting agencies, regulators and payment processors) in order to, among other things, (a) comply with business partner requirements, (b) verify information about Operator and its qualification to use a Cake Service, (c) implement risk management controls, and (d) ensure regulatory and related compliance. Additionally, to the extent permitted by applicable law Cake may disclose information provided by Operator to Cake to third parties in the event Cake is requested or required by applicable law, regulation or legal process (including a subpoena or other administrative or judicial request), to disclose such information. Cake may periodically conduct reporting to assess Operator’s on-going ability to meet the requirements to use the Cake Services. 9.3. Data Privacy. 9.3.1. The Personal Information of Operator, Operator’s employees and Buyers will be Processed as part of the Cake Services. By using the Cake Services, Operator agrees that it has read, understood, and shall comply with the data collection, use, disclosure, and management provisions in the Privacy Policy with respect to any Personal Information collected as part of its performance of this Agreement. Operator further agrees to establish and maintain a privacy policy with respect to Buyer Data and any other data that Operator collects through the Services that complies with Privacy Laws and is consistent with the Privacy Policy. To the extent Operator’s processing of Personal Information is outside the scope described in these Terms or the Privacy Policy, Operator shall be solely responsible for putting in place any additional controls (e.g. notice, consent) and governance in connection to such processing. 9.3.2. Cake acts as a processor on behalf of Operator where Cake Processes the Personal Information of (i) Operator employees in connection with the provision of Cake Services that relate to the management and administration of employees on behalf of the Operator, and (ii) Buyers where Operator uses the Services to communicate with or provide offerings (e.g., loyalty programs and rewards) directly to such Buyers. In such capacity and to extent required of processors under applicable Privacy Laws Cake will comply with all Operator’s instructions regarding the processing of Personal Information; Cake will not without consent “sell” or “share,” as defined by applicable Privacy Laws, Personal Information; unless otherwise permitted by Privacy Laws Cake shall not retain, use, or disclose the Personal Information for any commercial purposes other than the business purposes described in the Agreement, including maintaining or servicing accounts, ensuring the security and integrity of the Cake Services, undertaking internal research for technological development and demonstration, providing customer service, processing or fulfilling orders and transactions, verifying customer information, facilitating payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the Operator; Cake shall not retain, use, or disclose Personal Information outside of the direct Operator relationship between Cake and Operator unless otherwise permitted by Privacy Laws; Cake shall not combine or update Personal Information with any other information, except as expressly provided for under Privacy Laws; Cake shall comply with all applicable laws and obligations regarding the use and protection of Personal Information, including all Privacy Laws. “Process” or “processing” means any operation or set of operations that is/are performed upon Personal Information, whether or not by automatic means, including, but not limited to, use, collection, recording, organization, storage, access, adaptation, alteration, retrieval, consultation, use, disclosure, dissemination, making available, alignment, combination, blocking, deleting, erasure, or destruction. Cake grants Operator the right, upon notice, to take reasonable and appropriate steps to stop and remediate unauthorized use of Personal Information in connection with the above. To the extent required to carry out the Cake Services and fulfill Cake’s contractual obligations, Operator agrees to provide a general authorization for Cake to engage sub-processors. Any sub-processor relationship must be governed by a written agreement that imposes substantially similar obligations as are imposed on Cake in relation to the Processing of Personal Information as set forth herein. Cake shall provide reasonable assistance and cooperation to Operator in relation to any individual rights requests made pursuant to the applicable Privacy Laws. 9.3.3. Operator shall comply with all applicable privacy laws including, but not limited to, federal, state, provincial, regional and local laws and regulations related to the collection, processing, or safeguarding of Personal Information (“Privacy Laws”) with respect to any Personal Information collected through the Cake Services. Privacy Laws may include, but it is not limited to, laws, and associated regulations or guidance, such as pursuant to the California Consumer Privacy Act (the “CCPA”) and California Privacy Rights Act (“CPRA”, as codified in California Civil Code sections 1798.100, et seq., (collectively, “CCPA/CPRA”), the Virginia Consumer Data Privacy Act, the Colorado Privacy Act, the Connecticut Data Privacy Act, the Utah Consumer Privacy Act, and other similar laws currently in effect or that may come into effect during the term of the Agreement, all as applicable and as may be amended from time to time. Operator will notify Cake promptly if Operator determines that it can no longer meet its obligations under these Terms and Privacy Laws and upon Cake’s request, Operator shall make available to Cake all information reasonably necessary to demonstrate its compliance with these Terms and Privacy Laws. Operator shall assist and cooperate with Cake in Cake’s compliance with applicable Privacy Laws, including without limitation, compliance with individual rights requests, responding to notices or inquiries from governmental, regulatory, legal or other authorities, and providing notifications and remedies to individuals with respect to the Cake Services. Cake shall have the right take reasonable and appropriate steps to stop and remediate unauthorized use of Personal Information it discloses to Operator. To the extent legally permissible, Operator shall notify Cake prior to responding to any consumer or governmental request related to the Cake Services. To the extent that Operator utilizes any third parties in connection with its use of the Services Operator shall ensure that those relationships are governed by a written agreement that imposes appropriate privacy obligations and security controls that are substantially similar to the measures contained in this Agreement. In all cases, Operator shall remain responsible for any acts or omissions of the third party to the same extent as if such acts or omissions were attributable to Operator. 9.4. Consent to Use of Data. Operator agrees that Cake and Third Party Providers may exchange information about Operator, including financial information, to the extent necessary to effectuate the Cake Services or the Third Party Services. Certain of Operator’s information may be collected and stored by Third Party Providers, shared with other third parties (including Cake) in a manner consistent with law, and aggregated by Third Party Providers for marketing purposes. Cake may, subject to the Privacy Policy, collect, process, and use technical data and related information, including UDID, and other technical information about Operator’s devices, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support, and other services to Operator (if any) related to the Cake Services, and to track and report Operator’s activity in a de-identified format inside of the Cake Services hosted by or on behalf of Cake. 9.5. Buyer Data. In Cake’s performance of a Cake Service, both Cake and Operator will receive, use and store information about Buyers, such as names, mailing addresses, email addresses, phone numbers, payment card numbers and other financial account-related information, and purchasing preferences (all that data, “Buyer Data”). Operator will keep will use such data solely for the purposes of (a) fulfilling the applicable Buyer’s transaction or experience; (b) complying with Operator’s obligations in the Agreement; or (c) complying with applicable law. Operator will not share or use any Buyer Data for marketing, advertising, or other commercial purposes without the express consent of the Buyer or other third party to which that Buyer Data relates. NOTWITHSTANDING THE CAPABILITY OF THE CAKE SERVICES TO COLLECT AND STORE BUYER DATA AND IN SOME CASES TO ALLOW BUYERS TO ELECT TO RECEIVE MARKETING MATERIALS FROM OPERATOR OR ENABLE OPERATOR TO SEND MARKETING MATERIALS TO BUYERS, APPLICABLE LAWS AND OPERATING RULES MAY LIMIT (i) THE USE OF THAT INFORMATION ONCE COLLECTED, EVEN IF BUYER HAS PROVIDED CONSENT, AND (ii) DISCLOSURE OF THAT INFORMATION TO THIRD PARTIES. 9.6. Audits. From time to time, Cake may require Operator to furnish financial and other information relating to Operator and its ability to fulfill its financial and other obligations under the Agreement. To facilitate that audit, Operator will, upon Cake’s request, make available books and records that pertain to Operator’s payment processing transactions and its compliance with the Agreement. 9.7. Biometric Information. In connection with the use by Restaurant employees or other users acting on behalf of Restaurants of Cake hardware devices featuring a biometric or finger scanning device for security and/or workforce management, Operator hereby agrees to Cake’s Biometric Information Use Policy (available at https://www.trycake.com/legal/biometrics-policy/ (or its redirect)). 9.8. Privacy Consents. Operator represents and warrants that it has all necessary rights and consents under applicable law to use and disclose the Personal Information it provides to Cake pursuant to this Agreement and that Cake will not be in breach of any applicable laws by processing such Personal Information. Operator acknowledges and agrees that Cake may provide some or all of the Cake Services from systems located within the United States or countries outside of the United States and that it is Operator’s obligation to disclose, as applicable, to its Buyers that Personal Information from such Buyers may be transferred, processed, and stored outside of the United States and may be subject to disclosure as required by applicable law. 10. TERM AND TERMINATION 10.1. Term of the Agreement. The Agreement commences on the date the Agreement is first accepted by Operator and will continue in effect for the subscription services term identified in all applicable Ordesr (the “Term”). The initial subscription term of the Cake Services procured by Operator shall continue ofr the subscription term applicable to such Cake Services specified in the Applicable Order. Unless otherwise specified in an Order, the initial term of an Order shall automatically renew (subject to any applicable Renewal Rate) for successive two (2) year periods (or the length of the initial term of the applicable order if longer), provided, however, that: (a) either party may provide written notice of its intent not to renew an applicable Order by giving written notice to the other party at least 60 days before the expiration of the initial term or then-current renewal term, as applicable, and (b) the Agreement and any Order may be earlier terminated in accordance with the Agreement. Operator has no right to use any of the Cake Services prior to the date the Account Application is accepted by Cake. If an Account Application is rejected by Cake, the Term will immediately terminate as of the date of that rejection. The termination of any Operator-TP Agreement does not affect the Term. 10.2. Term of Cake Services. The service term applicable to each Cake Service shall commence upon activation of the service and unless otherwise expressly set forth in an Order continue for the length of the service term (including any renewal period) for the applicable Cake Service (unless Operator is not subscribed to the POS Service). Subject to Cake’s right to change recurring Fees herein, renewal, if any, of access to any Cake Service will be at Fees equal to the higher of (a) the renewal rate set forth in the applicable Order and (b) Cake’s then-current monthly (i.e., no term commitment) pricing for the applicable Cake Service (or its reasonable equivalent if the service as originally contracted is no longer available) (the “Renewal Rate”) unless the parties otherwise agree in writing at the time of renewal. If, prior to the end of a service term period applicable to any Cake Service, (a) Operator terminates the Agreement in the absence of breach by Cake of the Agreement, (b) Cake terminates the Agreement pursuant to Section 10.3, or (c) Operator sells all or substantially all of its business assets and the Agreement is not assigned to and assumed by the acquirer of those assets with Cake’s written approval in accordance with Section 18.8, Operator is responsible for the Fees owed for the remainder of the term for that Cake Service. 10.3. Termination by Cake. Cake has the right to terminate the Agreement or any portion of the Agreement (including any terms incorporated by reference) or any particular Order or suspend or discontinue the Cake Services at any time with or without notice as a result of any of the following events effective immediately upon occurrence of any of the following events: (a) failure by Operator to provide the cooperation or assistance that is reasonably necessary to install applicable POS Hardware and otherwise activate the Cake Services within 30 days of the applicable activation date; (b) material failure by Operator in performing the Agreement (such as failing to pay amounts due or otherwise comply with the Agreement) or complying with any applicable law; (c) Operator is in default under any other contract, agreement, or obligation with Cake or any affiliate of Cake whether that party is bound alone or with others; (d) irregular transactions by Operator, excessive chargebacks, or any other circumstances that, in Cake’s discretion, may present a material business risk to Cake; (e) Operator becomes insolvent, files a petition for bankruptcy, or commences or has commenced against it proceedings relating to bankruptcy, receivership, reorganization, or assignment for the benefit of creditors; or (f) Operator or a controlling Person is listed as a terminated or high risk merchant by a payment card association brand (such as Visa or MasterCard). 10.4. Termination by Operator. If Cake materially breaches any of the provisions of the Agreement and fails to cure that breach within 30 days of receipt of written notice from Operator specifying that material breach and the remedy being sought, Operator may terminate the Agreement or the applicable addendum that was breached immediately at the expiration of the 30-day cure period. If, prior to the end of the applicable Term, Operator (a) opts to terminate Cake Services without cause with respect to any applicable location, or (b) sells all or substantially all of its business’ assets and this Agreement is not assigned to and assumed by the acquirer of such assets (collectively, an “Early Termination”), then Operator shall pay to Cake, as an early termination fee for the affected location, an amount equal to the average monthly fees assessed to Operator under the applicable Order for the most recent three months during which Operator actively processed transactions multiplied by .75 and then multiplied by the number of months remaining on the Term (an “Early Termination Fee”), as determined on a per location basis and subject to any limitation or cap imposed by applicable laws (which may depend on the jurisdiction of the applicable location(s)) or the Card Network Rules. Such termination fee may be off set against amounts otherwise due to Operator or may be deducted (by ACH debit or other electronic means) from Operator’s Bank Account. The amount actually charged by Cake will include additional sales tax amounts if applicable. An Early Termination shall not be deemed to waive (i) the Cake’s rights to payment of any Fees or other amounts payable hereunder that pertain to the period prior to the date of termination, (ii) Operator’s liability for expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of Cake in connection with the collection of amounts due hereunder (including Early Termination Fees) or (iii) either party’s rights and obligations under the Agreement to the extent Operator continues to subscribe to Cake Services through Cake at Operator locations not subject to termination. Operator shall also be responsible for any early termination fee due and payable under the Cake Payments Agreement. 10.5. Effect of Termination. If the Agreement is terminated or suspended for any reason: (a) Operator’s access to the Cake account is also terminated and Operator must cease using any Cake Service, (b) any licenses provided to Operator under the Agreement will end, (c) Cake has the right (but has no obligation) to delete all Operator information and any data, including transactional data, stored on servers controlled by Cake (except as prohibited by law), (d) Cake will not be liable for any damage, losses (including any loss of data or profits) or any other consequences to Operator or any third party for termination or suspension of access to the Cake Services or for deletion of any information associated with Operator’s account, except that Cake will provide a pro-rated refund of Fees already paid for Cake Services not yet delivered if Cake terminates the Agreement or Cake Services for reasons not within Operator’s reasonable control, and (e) those terms that by their nature are intended to survive termination (such as intellectual property ownership, arbitration obligations, indemnification obligations, Gift Card Obligations, limitations of liability, and obligations to pay any Fees hereunder and any other amounts owed by Operator to Cake, including claims, fines, penalties, and other liability incurred by Cake caused by Operator’s use of the Cake Service) will survive. If Operator was provided rights to use Cake-owned equipment under the Agreement, notwithstanding any termination, Operator’s bank account(s) debit authorization and obligations to pay any Fees will not expire until Operator fulfills its obligations as set forth in the applicable Order relating to such equipment. The termination of the Agreement does not terminate any agreement between Operator and any third party and therefore does not relieve Operator of any obligations it may have under third party agreements, including agreements with any Payment Processor or Third Party Provider of Third Party Services. If the Cake Services or your Cake account is limited, suspended or terminated and then subsequently reinstated by Cake (in its sole discretion), you may be charged a reactivation fee and you hereby authorize Cake to charge Operator’s applicable payment card or bank account for such fee. 11. OPERATOR WARRANTIES Operator covenants that it will: (a) honor the terms of all offers made in connection with any Cake Service in a professional manner, (b) not impose any term on any offer that is in violation of applicable law, (c) have and grant sufficient Intellectual Property Rights in any content that it provides to Cake (including any logo or photograph) to allow Cake to display that content on the Cake Services and as otherwise necessary to promote and fulfill any offers, (d) comply with all applicable laws, regulations, and ordinances, including those relating to collection and use of Personal Information (defined below) from Buyers, (e) maintain in effect all the licenses, permissions, authorizations, consents, and permits that it needs to carry out its obligations under the Agreement, (f) ensure that the prices charged for Operator Goods (as defined below) through the Cake Services do not exceed those ordinarily charged for orders directly with Operator, and (g) assume all risks associated with the contact of Operator (and its agents) with property and Persons, and indemnify Cake for any and all claims relating thereto against Cake. Operator is responsible for all liability associated with the fulfillment of orders and promotions of any of its products or services, including food and any drink (such as alcohol and any age screening in connection thereto), payment of sales tax to the appropriate taxing authority, delivery service, compliance with appropriate health codes if applicable, and all matters concerning the condition of the subject product or service. Operator will not resell Cake Services on behalf of any nonaffiliated third party nor use the Cake Services to process funds for any nonaffiliated third party. Operator represents and warrants that it has the right, power, and ability to enter into and perform the Agreement, the Agreement does not cause the breach of any agreement Operator has with a third party, and Account and Account Application information provided to Cake is accurate in all respects. Operator further represents and warrants that: (i) any sales transactions with a Buyer will represent a bona fide sale; (ii) any sales transactions submitted will accurately describe the goods or services sold and delivered to Buyer; (iii) Operator will fulfill all obligations to each Buyer for which it enters into a transaction and will resolve any consumer dispute or complaint directly with that Buyer, and (iv) its products, services and content do not infringe the Intellectual Property Rights of any third party. 12. TERMS OF AGENCY 12.1. Appointment. Operator appoints Cake as its agent for the purposes of promoting Operator’s goods and services (“Operator Goods”) to Buyers on any Cake Service such as Cake Gift Cards and the Digital Ordering Services through any platform, including its affiliates and business partner network. The Operator will provide Cake with the Operator’s current menu (the "Restaurant Menu"), in such format as is requested by Cake for Cake’s inclusion in the Cake Services. Operator Goods may be offered to all or part of Cake’s consumer base or its affiliates’ consumer base or business partner network and segmented by various variables including gender, age, location, and consumer preferences. Any advertising by Cake of Operator is with the intent to benefit Operator and Cake will exercise due care and good faith when promoting Operator’s goods or services. 12.2. Customer Service. Operator is solely responsible for all customer service issues relating to its goods or services, including pricing, order fulfillment, order cancellation, returns, refunds and adjustments, rebates, functionality and warranty, technical support, and feedback concerning experiences with Operator personnel, policies, or processes. Operator is responsible for setting its own cancellation and refund policies for products and services sold through the Services, including but not limited to the Digital Ordering Services. Buyers will be directed by Cake to contact Operator with questions or for customer service regarding a purchase or the product or service provided by Operator. In performing customer service, Operator will always present itself as a separate entity from Cake. 12.3. Publicity. Operator grants Cake, its affiliates, and any third party service providers designated by Cake: (a) a non-exclusive, nontransferable, royalty-free worldwide license to use Operator’s trade names, trademarks, logos, service marks, and other identifying marks and (b) an exclusive, nontransferable, royalty-free worldwide right to use Operator’s menus, marketing materials, and photographs of Operator’s business or merchandise for the purposes of providing the Cake Services. Additionally, Operator grants to Cake a revocable right to use Operator's name and logo on the websites and social media channels owned and operated by Cake and its affiliate companies for the purposes of identifying Operator as a customer of Cake and generally describing Operator's use of the Cake Service. 12.4. Changes. Operator will promptly notify Cake in writing of any changes to its products or services (such as items on a Restaurant Menu and associated prices) to the extent applicable to the Agreement. 13. DATA OWNERSHIP AND INFORMATION SECURITY 13.1. Data Ownership. 13.1.1. Cake Data. As between the parties Cake and its business partners own all information that is provided to Operator as part of the Cake Services that is not Buyer Data or sourced from Operator Data (defined below) (collectively, “Cake Data”). Operator may use Cake Data distributed to Operator solely to the extent necessary to: (i) perform the Agreement, (ii) comply with any legal requirements, or (iii) process or promote Buyer transactions as specifically provided for by the Agreement, except that Operator will not share any Cake Data with any third party that is not a Buyer without Cake’s prior written consent. 13.1.2. Operator Data. Operator authorizes Cake to access business, financial, and other information about Operator or its transactions with Buyers collected or generated in connection with the Cake Services or the Agreement, including: (a) any information provided to Cake by Operator to Cake during the Account Application process or thereafter, (b) any and all credit card transaction and fees and related sales processing and payout data collected by Cake or Operator’s Payment Processor, and (c) online performance data received from Operator’s account on a third party site or service (such as Facebook, Twitter, or a third party site or service managed by Cake on Operator’s behalf) (collectively, “Operator Data”). Operator Data does not include Buyer Data. Operator Data may include Personal Information, whether from Operator’s employees, existing customer information or otherwise. Operator hereby grants Cake a non-exclusive, perpetual, royalty-free, fully paid up, and worldwide license to use, copy, modify (including the right to create derivative works of), display and share Operator Data in connection with the Cake Services, Third Party Services, for internal business purposes, as required in response to judicial or other governmental requests, subpoenas, warrants, and court orders, or as otherwise required by applicable law, and as otherwise set forth in this Agreement and the Privacy Policy. The foregoing grant includes the right for Cake to share Operator Data with third parties in connection with the marketing and provision of the Cake Services as well as Third Party Services used by or that may be of interest to Operator. Operator is solely responsible for the accuracy, quality, content and legality (including compliance with all applicable laws) of Operator Data. Operator represents, warrants and covenants that it has all rights necessary to upload the Operator Data to the Cake Services and to otherwise have such Operator Data used or shared, as applicable, by Cake in relation to the Cake Services. Operator will not upload or store any data or materials containing any such information in violation of this section. 13.1.3. Any Operator Data that is anonymized in a de-identified format (by aggregation or other means) (“Anonymized Data”) may be used, compiled, disclosed, distributed and published by Cake for any purpose in any manner in its discretion provided that such Anonymized Data does not directly identify Operator’s expressly identified confidential information and does not qualify as Personal Information under applicable privacy laws. “Personal Information” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal data” under applicable data privacy laws, rules, or regulations. 13.2. Information Security and Data Storage. 13.2.1. Operator shall put in place appropriate policies and technical, organizational, and administrative security controls to safeguard any Personal Information it receives through the Cake Services, including without limitation, Buyer Data, from unauthorized use, disclosure or access. To the extent Operator shares Personal Information made available to Operator through the Cake Services with any subcontractor, Operator shall enter into a written contract with such subcontractor that requires the subcontractor to, at minimum, meet Operator’s obligations under these Terms. Operator is responsible for compliance with the Payment Card Industry Data Security Standards (“PCI DSS”) and the Payment Application Data Security Standards (“PA DSS”), as applicable. Operator will promptly provide Cake with documentation evidencing compliance with PCI DSS or PA DSS upon Cake’s reasonable request. Without limiting the disclaimers in these Terms, Cake will use commercially reasonable efforts to comply with applicable privacy laws regarding the security of Personal Information obtained from Operator. Cake does not represent, warrant, or guarantee that unauthorized third parties will be unable to defeat Cake’s security measures or use Personal Information for improper purposes. 13.2.2. Operator is responsible for ensuring its payments and data systems are fully protected against unauthorized breaches and maintaining backups of Operator Data at all times. While Cake may archive certain Operator Data while the Account is active and not in default, if there is any loss of Operator Data, Operator’s exclusive remedy is for Cake to use commercially reasonable efforts to attempt to replace or restore the lost data from the latest backup (if any) of the Operator Data that Cake has maintained in accordance with its ordinary storage procedures. Without limiting any of the foregoing, Operator is solely responsible for archiving Operator Data for use after the close of an Account. 13.3. Security Incidents. If Operator or any Operator personnel discovers or is notified of a breach or potential breach of security or of any safeguards relating to Personal Information (each, a “Data Incident”), Operator will immediately (and in no event beyond 24 hours of the discovery of that Data Incident): (a) notify Cake of that Data Incident; (b) investigate, mitigate, minimize any damage from, and remediate the effects of, the Data Incident, consistent with any guidelines or requests reasonably made by Cake; (c) provide Cake with detailed information about the Data Incident, with all details as may be requested by Cake, at any frequency as may be requested by Cake; (d) permit Cake and its designees, upon Cake’s request, to participate in the investigation and remediation of the Data Incident; (e) promptly provide Cake with reasonable assistance in any efforts by Cake and its designees to investigate, mitigate, or remediate the effects of the Data Incident, and in responding to any dispute, inquiry, or claim relating to the Data Incident; and (f) provide Cake with assurance satisfactory to Cake that the Data Incident will not recur. To the extent any Data Incident is attributable to Operator or to Operator’s personnel, including Operator’s failure to perform its obligations pursuant to these Terms, Operator will cure that Data Incident at its own cost and expense. In addition, Operator will review its information security practices on a regular basis and notify Cake of security concerns of which Operator becomes aware that may have an adverse effect on Operator (including any Operator affiliates), and Operator will thereafter provide Cake with a written action plan satisfactory to Cake that addresses those security concerns. Without limiting any other rights or remedies of Cake, if in connection with any Data Incident or any act or omission of Operator or any Operator personnel, notice to any individuals, legal authorities, or other third parties of any actual or suspected unauthorized access to or use of personal or sensitive information, or of any other event or circumstance requiring that notice, is required under any law applicable to Cake or Operator, or Cake otherwise determines in its sole discretion that notice of that event or circumstance is Operator reasonably necessary (each, a “Notification Event”), Operator will (i) assist Cake in notifying those third parties of the Notification Event, and communicating with and assisting those third parties regarding the Notification Event; and (ii) if requested by Cake, provide notice of the Notification Event to all persons and entities as may be requested by Cake. The content of any statements, communications, notices, filings, or reports by or for Operator related to any Notification Event, including those required by law, must be provided to Cake within a reasonable time before any publication or release. All disclosures, filings, public statements, press releases, and notifications by or for Operator that relate to any Notification Event that either (1) Operator intends to be available to Cake users, customers, or employees, or (2) reference Cake in any manner, must be approved by Cake prior to release. Operator will be responsible for any costs of Cake in connection with any notification to third parties or any other activities relating to any Data Incident or Notification Event, including costs of notifying consumers or other third parties, providing call center services, providing credit monitoring services, and taking other steps to mitigate or remediate the effects of any Data Incident or Notification Event. 14. INDEMNIFICATION Operator will defend, indemnify, and hold harmless Cake and its indirect or direct subsidiary, parent or affiliate companies or any of their employees, officers, directors, licensors, and agents (collectively, the “Cake Entities”) from and against all claims, liabilities, damages, losses, expenses, tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees and costs) arising out of or in any way connected with any claim, action, audit, investigation, inquiry, or other proceeding instituted by a Person that arises out of or relates to: (a) Operator’s access to, use of, or alleged use of, the Cake Services (other than those attributable to Cake’s gross negligence or willful misconduct); (b) any actual or alleged violation of Operator’s representations, warranties, agreements, or obligations referenced in the Agreement or any applicable law or regulation; (c) anyactual or allegedviolation of Cake’s policies or applicable policies of its business partners or payment card association rules; (d) any claim for state sales, use, or similar tax obligations of Operator arising from Buyer transactions; (e) wrongful or improper use of any Cake Service by or on behalf of Operator; (f) Operator’s violation of any rights of a third party, including any Intellectual Property Right or publicity, confidentiality, other property, or privacy right; (g) Operator’s violation of any federal, state, or local law, rule, or regulation, including any applicable data privacy or security laws, any laws governing gift cards, and any law or regulation governing the use, sale, and distribution of alcohol, or any other Operator goods or services; (h) any dispute between Operator and a Buyer, including a dispute arising from any of Operator acts or omissions in connection with Buyer payment transactions or the accuracy or quality of any Operator product, content, goods or service; (i) any claim alleging or arising out of Operator’s misuse of Buyer Data; (j) declined or unauthorized transactions made in Offline Mode; (k) failure of Operator to honor in its obligations with respect to gift cards issued in connection with Cake Gift Cards or the use or misuse of Cake Gift Cards; or (l) any dispute or issue between Operator and any third party. Cake maintains the right to control its own defense and to choose its own legal counsel in any matter subject to the foregoing indemnification, regardless of any conflict of interest between Cake and Operator, and Operator will cooperate with Cake’s defense of the claim. 15. DISCLAIMER EXCEPTING THE HARDWARE WARRANTY SPECIFIED IN SECTION 4.5, THE CAKE SERVICES, POS HARDWARE, AND OTHER HARDWARE, MATERIALS, OR TECHNOLOGY MADE AVAILABLE BY CAKE TO OPERATOR UNDER THE AGREEMENT, THROUGH THE CAKE SERVICES, OR PROVIDED INCIDENTALLY TO THE AGREEMENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND AND THE CAKE ENTITIES HEREBY DISCLAIM ANY AND ALL OTHER REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, MADE TO OPERATOR OR ANY OTHER PERSON REGARDING QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, NON-INFRINGEMENT, OR OTHERWISE (REGARDLESS OF ANY COURSE OF DEALING, CUSTOM, OR USAGE OF TRADE). OPERATOR’S ACCESS TO AND USE OF THE CAKE SERVICES, ANY WEBSITES OR MATERIALS LINKED TO ANY CAKE SERVICES, OR POS HARDWARE IS AT OPERATOR’S OWN RISK. WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE STATED IN THE AGREEMENT, THE CAKE ENTITIES AND THEIR BUSINESS PARTNERS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CAKE SERVICES OR THE CONTENT OF ANY WEBSITES OR MATERIALS LINKED TO THE CAKE SERVICES. THE CAKE ENTITIES DO NOT WARRANT THAT THE CAKE SERVICES OR ANY PORTION OF THE CAKE SERVICES, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE CAKE SERVICES, WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY OPERATOR FROM THE CAKE SERVICES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE CAKE SERVICES WILL CREATE ANY WARRANTY REGARDING ANY OF THE CAKE ENTITIES OR THE CAKE SERVICE THAT IS NOT EXPRESSLY STATED IN THE AGREEMENT. OPERATOR ASSUMES ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM OPERATOR’S USE OF OR ACCESS TO THE CAKE SERVICES OR POS HARDWARE, OPERATOR’S DEALING WITH ANY THIRD PARTY IN CONNECTION WITH THE CAKE SERVICES, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE CAKE SERVICES. OPERATOR IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO OPERATOR’S PROPERTY (INCLUDING OPERATOR’S COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE CAKE SERVICES), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE CAKE SERVICES OR THE DOWNLOAD OR USE OF RELATED MATERIAL OR CONTENT. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND OPERATOR MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION. 16. LIMITATION OF LIABILITY 16.1. Generally. Please read this Section 16 carefully since it limits the liability of the Cake Entities. Each of the subsections below only applies up to the maximum extent permitted under applicable law. Nothing in this Section 16 is intended to limit any rights Operator may have that may not be lawfully limited. 16.2. Limitation of Liability. EXCEPT TO THE EXTENT NOT PERMITTED BY APPLICABLE LAW NO CAKE ENTITY NOR ANY OF THEIR THIRD PARTY PROVIDERS WILL BE LIABLE TO OPERATOR OR ANY THIRD PARTY FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE CAKE SERVICES OR OTHERWISE ARISE IN CONNECTION WITH THE AGREEMENT. UNDER NO CIRCUMSTANCES WILL ANY CAKE ENTITY BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE CAKE SERVICES OR THE ACCOUNT, OR THE INFORMATION CONTAINED IN THE ACCOUNT OR ACCESSIBLE VIA THE CAKE SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, THE CAKE ENTITIES AND THEIR THIRD PARTY PROVIDERS ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (a) LOSS OF PAYMENT TRANSACTIONS OR LOSS OF DATA, (b) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM OPERATOR’S ACCESS TO AND USE OF ANY CAKE SERVICE OR POS HARDWARE, (c) ANY UNAUTHORIZED ACCESS TO OR USE OF CAKE’S SYSTEMS OR ANY AND ALL PERSONAL INFORMATION OR FINANCIAL INFORMATION STORED ON THOSE SYSTEMS, (d) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CAKE SERVICES OR POS HARDWARE, (e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE CAKE SERVICES OR POS HARDWARE BY ANY THIRD PARTY, (f) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT, INCLUDING WITHOUT LIMITATION ANY CALCULATION OR REPORTS OF SALES TRANSACTION TAXES, MADE AVAILABLE VIA THE CAKE SERVICES OR POS HARDWARE, OR (g) OPERATOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. NO CAKE ENTITY OR ANY OF THEIR PROCESSORS, THIRD PARTY PROVIDERS, SUPPLIERS, OR LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, OR EMPLOYEES) WILL BE LIABLE TO OPERATOR FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AGGREGATE AMOUNT OF FEES AND CHARGES PAID TO CAKE PURSUANT TO THE AGREEMENT FOR THE APPLICABLE CAKE SERVICES OR POS HARDWARE RELATING TO THE CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, OR COSTS IN THE SIX MONTH PERIOD PRECEDING THE EVENT THAT GAVE RISE TO THE CLAIM OF LIABILITY. OPERATOR RECOGNIZES AND CONFIRMS THAT IF IT INCURS ANY DAMAGES, LOSSES OR INJURIES THAT ARISE OUT OF THE CAKE SERVICES OR CAKE’S ACTS OR OMISSIONS, THE DAMAGES, IF ANY, CAUSED TO OPERATOR ARE NOT IRREPARABLE OR SUFFICIENT TO ENTITLE IT TO AN INJUNCTION, AND IT WILL HAVE NO RIGHTS TO ENJOIN OR RESTRAIN THE DEVELOPMENT, PRODUCTION, DISTRIBUTION, ADVERTISING, EXHIBITION OR EXPLOITATION OF THE CAKE SERVICES. IF OPERATOR IS A CALIFORNIA RESIDENT, OPERATOR WAIVES CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.” 16.3. Third Party Disputes. ANY DISPUTE OPERATOR HAS WITH ANY CARRIER, THIRD PARTY PROVIDER, THIRD PARTY SERVICE, OR OTHER THIRD PARTY, INCLUDING, WITHOUT LIMITATION, ANY OTHER USER OF THE CAKE SERVICES, IS DIRECTLY BETWEEN OPERATOR AND THAT THIRD PARTY, AND OPERATOR IRREVOCABLY RELEASES THE CAKE ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THOSE DISPUTES. 17. DISPUTE RESOLUTION AND ARBITRATION 17.1. Generally. In the interest of resolving disputes between Operator and a Cake Entity in the most expedient and cost effective manner, Operator and Cake agree that every dispute arising in connection with the Agreement will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. The agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of the Agreement, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of the Agreement. Notwithstanding the foregoing, Operator or Cake may choose to pursue a claim in court and not by arbitration in the event of a claim that Operator has failed to timely pay amounts due. Cake may assign your account for collection, and the collection agency may pursue in any court of competent jurisdiction any claim that is strictly limited to the collection of past due amounts and any interest or cost of collection permitted by law or this Agreement. In any event, any action or proceeding by Operator against a Cake Entity relating to any dispute must commence within one year after the cause of action accrues. 17.2. Exceptions. Despite the provisions of Section 17.1, nothing in the Agreement will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) seek injunctive relief in a court of law; or (c) to file suit in a court of law to address an intellectual property infringement claim. 17.3. Arbitrator. Any arbitration between Operator and Cake will be settled under the Federal Arbitration Act and governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Cake. 17.4. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or, only if the other party has not provided a current physical address, then by electronic mail (“Notice”). Cake’s address for Notice is: Cake Corporation, 9 th Floor, MetWest Three, 4050 West Boy Scout Boulevard, Tampa, Florida 33607. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within 30 days after the Notice is received, Operator or Cake may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Operator or Cake must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. 17.5. Fees. If Operator commences arbitration in accordance with the Agreement, Cake will reimburse Operator for Operator’s payment of the filing fee, unless Operator’s claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Hillsborough County, Florida, but if the claim is for $10,000 or less, Operator may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of Operator’s billing address. If the arbitrator finds that either the substance of Operator’s claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, Operator will reimburse Cake for all monies previously disbursed by it that are otherwise Operator’s obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits. 17.6. No Class Actions. OPERATOR AND CAKE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both Operator and Cake agree otherwise, the arbitrator may not consolidate more than one Person’s claims and may not otherwise preside over any form of a representative or class proceeding. 17.7. Modifications to this Arbitration Provision. If Cake makes any future change to this arbitration provision, other than a change to Cake’s address for Notice, Operator may reject the change by sending Cake written notice within 30 days of the change to Cake’s address for Notice, in which case Operator’s account with Cake will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes Operator rejected will survive. 17.8. Enforceability. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement. If Section 17.6 is found to be unenforceable or if the entirety of this Section 17 is found to be unenforceable, then the entirety of this Section 17 is null and void, the remaining provisions of these Terms will remain in effect in accordance with Section 18.3, and the exclusive jurisdiction and venue described in Section 18.7 will govern any action arising out of or related to the Agreement. 18. MISCELLANEOUS 18.1. Entire Agreement. The Agreement, along with any applicable policies and agreements made available at Cake’s websites or Operator portal(s) incorporated into the Agreement by express reference and any exhibits, appendices, addenda, schedules, and amendments explicitly made to the Agreement, sets forth the entire understanding between Operator and Cake with respect to Operator’s use of the Cake Services, and supersedes any and all other agreements, oral or in writing, including any agreements as to pricing, implementation schedules, or future releases of services, related to the Cake Services, unless made in writing and expressly incorporated into the Agreement. Notwithstanding the foregoing, an updated version of these Terms or any other portion of the Agreement (including any version made available to Operator by written communication or by notice at Cake’s websites or Operator portal(s)) prevail over previous versions. Any purchase order or similar document that Operator may issue in connection with the Agreement will be for ordering purposes only and any terms and conditions on that purchase order or other document will be of no force or effect. 18.2. Waiver. No waiver by any party of any of the provisions of the Agreement will be effective unless explicitly set forth in writing and signed by the party so waiving. Except as otherwise set forth in the Agreement, no failure to exercise, or delay in exercising, any rights, remedy, power or privilege arising from the Agreement will operate or be construed as a waiver thereof, nor will any single or partial exercise of any right, remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. NOTHING IN THE AGREEMENT WILL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO OPERATOR. 18.3. Severability. If any term or provision of the Agreement is invalid, illegal, or unenforceable in any jurisdiction, that invalidity, illegality, or unenforceability will not affect any other term or provision of the Agreement or invalidate or render unenforceable that term or provision in any other jurisdiction. 18.4. Disclosures; Notices and E-Sign Consent. Cake may provide disclosures and notices to Operator regarding the Cake Services, the Agreement, or the Account by electronically posting it to the Portal or the website of Cake or its affiliate, or by emailing it to an email address listed in Operator’s account. Those electronic disclosures and notices will have the same meaning and effect as if Operator was provided with physical copies. Those disclosures and notices are considered received by Operator within 48 hours of the time posted or emailed to Operator unless Cake receives notice of non-delivery. Operator should review the Portal on a regular basis to review the prevailing disclosures and notices and check for updates. It is Operator’s responsibility to keep email address(es) valid and active and to monitor the email account(s). Cake will not be liable to Operator or any third party for any losses resulting from Operator’s failure to comply with the foregoing. To withdraw consent to receiving disclosures and notices electronically, Operator should contact support@madmobile.com. Operator’s electronic signature shall have the same effect as a manual, physical signature. Legal notices to Cake must be addressed in writing to the address specified in Section 17.4. A notice is effective only (upon receipt by the receiving party. 18.5. Attorneys’ Fees. Operator will pay Cake all reasonable costs and expenses, including attorneys’ fees and court costs, incurred by Cake in exercising any of its rights or remedies under the Agreement or enforcing any of the terms, conditions, or provisions of the Agreement. 18.6. Excused Non-Performance. Cake will not be liable or responsible to Operator, nor be deemed to have defaulted or breached the Agreement, for any failure or delay in fulfilling or performing any term of the Agreement when and to the extent that failure or delay is caused by or results from acts or circumstances beyond the reasonable control of Cake including, without limitation, acts of God, flood, fire, earthquake, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest, national emergency, revolution, insurrection, epidemic, lockouts, strikes or other labor disputes (whether or not relating to either party’s workforce), equipment or widespread communications network or Internet failure, or inability or delay in obtaining supplies of adequate or suitable materials, materials or telecommunication breakdown or power outage except that, if the event in question continues for a continuous period in excess of 30 days, Operator will be entitled to give notice in writing to Cake to terminate the Agreement. 18.7. Governing Law. The Agreement is governed by and construed in accordance with the laws of the State of Florida without reference to conflict of laws principles. If a lawsuit or court proceeding is permitted under the Agreement, then Operator and Cake will submit to the personal and exclusive jurisdiction of the state courts and federal courts located within Hillsborough County, Florida for the purpose of litigating any dispute. 18.8. Change in Ownership; Assignment. Operator will not assign or transfer its benefit or obligations under the Agreement without Cake’s prior written consent. Any sale or transfer of the equity interests of Operator’s business such that the holders of the equity interests of Operator’s business as of the date of the Initial Order do not own more than 50% of the equity interests immediately after such transfer shall be deemed an assignment of this Agreement. Cake may assign any or all of its rights under the Agreement in its sole discretion. Subject to the foregoing, the Agreement is binding upon the parties and their successors and assigns (including those by merger and acquisition). Any permitted assignee of or successor entity to Operator must provide any additional information and execute any additional documentation or take any further actions as Cake may request in order to ensure continued provision of services under the Agreement. 18.9. No Third-Party Beneficiaries. Subject to the last sentence of this Section 18.9, the Agreement benefits solely the parties to the Agreement and their respective permitted successors and assigns and nothing in the Agreement, express or implied, confers on any other Person any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of the Agreement. The parties hereby designate the Cake Entities as third-party beneficiaries of Sections 9.1, 13.1, and 16, having the right to enforce Sections 9.1, 13.1, and 16. 18.10. Agreement Changes. Cake has the right to change or add to the terms of the Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Cake Services or POS Software (an “Agreement Change”) with notice that is reasonable in light of the circumstances, such as by updating the Terms on the Portal or on any website maintained or owned by Cake or an affiliate of Cake for the purposes of providing services under the Agreement. Operator understands the importance of regularly reviewing these Terms and other portions of the Agreement as updated on the Portal. Use of the Cake Services after notice of any Agreement Change will confirm that Operator have read, accepted, and agreed to be bound by the modifications to the Agreement or constitute Operator’s acceptance of the changed Cake Service. Notwithstanding the foregoing, (a) any dispute between the parties that arose before the effective date of an Agreement Change is governed by the Agreement (including the binding individual arbitration clause) that was in place when the dispute arose and (b) if an Agreement Change negatively and materially impacts Operator’s rights under the Agreement, and Cake does not waive the applicability of those changes to Operator, Operator may terminate the Agreement by providing written notice thereof to Cake, and in that event, is released from any payment obligations under the Agreement except for outstanding fees owed (those fees include any and all amounts owed for Purchased Hardware purchased prior to the effective date of the Agreement Change) and must immediately return any leased POS Hardware to Cake. That notice must be given within 30 days following the date of notice by Cake of the Agreement Change. 18.11. Interpretation. Section headings are used in the Agreement for convenience of reference only and will not affect the meaning of any provision of the Agreement. For purposes of the Agreement: (a) the words “include,” “includes” and “including” will be deemed to be followed by the words “without limitation”; (b) the words “such as”, “for example” “e.g.” and any derivatives of those words will mean by way of example and the items that follow these words will not be deemed an exhaustive list; and (c) the word “or” is used in the inclusive sense of “or” and the terms “or,” “any,” and “either” are not exclusive. No ambiguity will be construed against any party based on a claim that the party drafted the language.
* * * * *

Updated on June 10, 2023

These Guest Manager Terms and Conditions (these “GM Terms”), together with the other terms in the Agreement, are a binding contract between Cake Corporation, a Delaware corporation and a wholly owned subsidiary of Mad Mobile, Inc. (“Cake) and the person or entity who is agreeing to the Agreement (“Operator” or “you”). The Agreement governs Operator’s use of the services and products described in the Agreement that Operator has acquired a right to use in accordance with the terms of the Agreement (the “GM Services”). “Agreement” means: (a) these GM Terms, including each document incorporated by reference into these GM Terms, (b) any terms agreed to as part of your Guest Manager Account (as defined below) creation or update process, (c) the Privacy Policy found at: https://madmobile.com/privacy-policy/ (or its redirect) (“Privacy Policy”), (d) each Order (as defined below) entered into by Operator and Cake, and (e) each document incorporated by reference into the Agreement.

BY SUBMITTING AN ORDER (AS DEFINED BELOW), APPLYING FOR AN ACCOUNT (AS DEFINED BELOW), OR OTHERWISE ACCESSING OR USING ANY OF THE GM SERVICES, OPERATOR IS ACCEPTING THE AGREEMENT AND AGREES THAT OPERATOR HAS READ, UNDERSTOOD, AND AGREES TO BE BOUND BY THE AGREEMENT. IF YOU ARE USING THE GM SERVICES ON BEHALF OF A COMPANY, ENTITY, OR ORGANIZATION, THEN YOU REPRESENT AND WARRANT THAT YOU: (a) ARE AN AUTHORIZED REPRESENTATIVE OF THAT ENTITY WITH THE AUTHORITY TO BIND THAT ENTITY TO THE AGREEMENT AND (b) AGREE TO BE BOUND BY THE AGREEMENT ON BEHALF OF THAT ENTITY. IF YOU DO NOT AGREE, THEN YOU MAY NOT USE THE GM SERVICES. NOTE THAT THIS AGREEMENT CONTAINS AN ARBITRATION AGREEMENT, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE OPERATOR TO SUBMIT CLAIMS OPERATOR HAS AGAINST CAKE TO BINDING AND FINAL ARBITRATION.

You further represent and warrant that you will not use the GM Services to send text (SMS) communications to guests without their express consent.

The GM Services is a restaurant guest management and service system. It allows owners and authorized personnel of restaurants to manage table seating and orders for pickup, access CRM and analytics, and otherwise make it easier for guests to book a table and pick up or receive orders. A Guest Manager account (an “Account”) is required for use of the GM Services. Now or in the future you may be provided access to products/services other than the GM Service within this Account. These products/services may be subject to a separate agreement between you and Cake. This Agreement does not apply to or govern your use of other such products/services unless explicitly noted in terms of use associated with such products/services or this Agreement. All defined terms used herein shall solely be applicable to this Agreement.

The Agreement covers the following matters:

I. Ordering GM Services
II. Authority and Access
III. Services
IV. Fees and Payment
V. IP Rights
VI. Data Use
VII. Hardware
VIII. Term and Termination
IX. Disclaimer
X. Liability and Indemnification
XI. Arbitration
XII. Modification of the Agreement of Service
XIII. Electronic Communications and E-Sign Consent
XIV. Confidentiality and Privacy
XV. Miscellaneous

I. Ordering GM Services

Operator may acquire GM Services through a freemium Account and/or through an initial order placed with Cake (the “Initial Order”) and one or more additional orders that reference the Agreement and are placed with Cake during the term of the Agreement (each, a “Supplemental Order” and all Supplemental Orders, if any, together with the Initial Order, the “Orders”). Each Order placed by Operator is subject to acceptance by Cake. Cake and Operator will cooperate to determine how a particular Order may be placed (e.g., through a Cake-controlled website or mobile application, through a Cake representative, or otherwise). The pricing for GM Services on each Order is based on Cake’s then-current pricing for the applicable GM Service(s), except as otherwise expressly agreed by Cake. An Operator may not use more than one freemium Account.

II. Authority and Access

In order to be eligible to use the GM Services, you must be above the legal age of majority (or above the age of 18, whichever is higher) and an owner of the restaurant listed in the Account or an agent who is authorized to act on behalf of the restaurant. You hereby represent and warrant that: (i) all required registration information submitted to the GM Services is complete and accurate and (ii) Operator shall keep its Account up-to-date with current information.

The Account creation process may occur in connection with placing the Initial Order and additional information may be required in connection with the Account as part of Supplemental Orders. The application that Operator is required to complete and submit to create its Account (the “Account Application”) may require Operator to provide information and consents regarding its business and bank account(s) and is subject to Cake’s final review and approval. Operator agrees to provide true, accurate, and current information when creating an account and to not use a false e-mail address, false phone number, false address, false name, impersonate any person or entity, or otherwise mislead as to the origin of the communication from Operator (or its agents) or other content. The foregoing prohibits, among other things, using alternative email addresses or other information to circumvent usage limits associated with any “trial” or “freemium” account. The Operator further agrees not to access the GM Services by fraudulent means or activities including but not limited to a scraper or robot. Operator is solely and exclusively responsible for controlling access to and confidentiality of the Account, including, without limitation, any use by any unauthorized third party, and is further responsible for changing login information (such as the password) to maintain continued confidentiality and limited access to the Account. Cake will not be responsible for any losses arising out of the unauthorized use of the Account.

Operator shall at all times comply with any operating procedures, requirements, or guidelines regarding Operator’s use of the GM Services that are made available (“Usage Guidelines”). Notwithstanding Operator’s use of the GM Services as a tool to manage Operator’s business, Operator is solely responsible for compliance with all laws and regulations that are applicable to Operator’s business, and Cake shall not be responsible for Operator’s failure to comply with such laws and regulations. Operator is solely responsible for ensuring the accuracy of all business information and data that (i) Operator provides to Cake or its service providers in connection with the GM Services and/or (ii) is incorporated into the GM Services at Operator’s request.

Operator will use the GM Services only for their applicable intended commercial purposes and in compliance with all privacy, data protection, intellectual property, and other applicable laws. Operator will not nor may it permit any third party to do any of the following: (a) modify, duplicate, sell, or create derivative works from Cake technology or materials, (b) load, install, or use any third party software onto the GM Services other than software explicitly authorized by Cake; (c) use data mining or gathering devices on GM Services or otherwise access or monitor any material or information on the GM Services or any Cake system using any manual process or robot, spider, scraper, or other automated means unless Operator has separately executed a written agreement with Cake referencing this Section that expressly grants Operator an exception to this prohibition; (d) enable functionalities that are otherwise disabled in the GM Services; (e) reverse engineer the GM Services (except to the extent that that restriction is prohibited by law); (f) interfere with the security of the GM Services or prevent access to the GM Services by Cake’s other users; or (g) otherwise use the GM Services except as expressly allowed under the Agreement.

III. Services

Subject to this Agreement, Cake gives you a limited, non-exclusive and non-assignable right to use the GM Services described in an accepted Order solely for non-personal, commercial business purposes and in the manner permitted by this Agreement and law. We may suspend or terminate the GM Services to you if you do not comply with our Usage Guidelines or policies or if we suspect misconduct. Through the Account Operator can access its account settings and view certain data and analytics that may be provided by Cake regarding the use of the GM Services by guests/consumers.

Operator grants Cake, its affiliates, and certain third party service providers designated by Cake (a) the right to access and use certain of its relevant hardware devices (such as a mobile device) in order to deliver the GM Services and provide updates, (b) the right to provide advertising and other information to you and your guests for the purposes of promoting Operator’s business and the partnership between Cake and Operator, and (c) a nontransferable license to use the Operator trade names, logos, menus, and marketing materials provided by Operator to Cake in order to advertise, promote and market Operator on the web sites and mobile applications comprising the GM Services for the term of the Agreement.

Operator understands that Cake is not responsible for providing or paying for any wireless service and further that wireless service is not continuous and that Cake is not responsible for any failure or quality of a wireless service or signal.

Cake may from time to time make updates to the GM Service at no cost or subject to additional fees. “Updates” means any software upgrades, adjustments or error corrections to the GM Service. Notwithstanding anything else contained in this Agreement, Cake will have no obligation to continue delivering or releasing new versions of the GM Service.

IV. Fees, Payment and Taxes

Fees associated with GM Service are set forth in an Order or on Cake’s web site or mobile applications (“Fees”) and Operator agrees to pay Cake Fees as set forth in an applicable Order or, in the absence of an Order, the applicable web site or applications. An Order may include a non-cancellable commitment to pay fees for a particular period of time.

Recurring Fees for the GM Services may be changed at any time in Cake’s sole discretion upon 30 days’ notice (which may be by email). Any change in recurring Fees that equals an increase of more than 10% per year will give Operator right to terminate the GM Service for which the fee has been increased as of the effective date of the fee increase, if Operator gives notice of that termination within 15 days of the notice of the fee increase. That termination will not affect Operator’s obligations with respect to any other Cake services. Activation fees if applicable are nonrefundable unless the parties otherwise agree in writing.

Fees are due and payable by Operator in accordance with the agreed-upon billing period. Fees for the purchase of hardware and activation fees may be due immediately upon submission of the applicable order form. Fees may be paid by a credit card or a linked bank account or deduction from (if applicable) a payments processing account, each as designated by Operator. Operator authorizes Cake (or an authorized third party acting as an agent of Cake) to charge and will pay the Fees and understands and agrees that the GM Services involve recurring charges. To stop recurring charges on or deductions from a particular payment card or bank account please contact Cake at support@madmobile.com.

Any portion of fees not paid when due will accrue interest (accruing from the initial due date) at the lower of 1.5% per month or the maximum lawful rate until the Fees, and any accumulated interest, are paid in full. Failure to pay undisputed amounts owed and due on demand in full is a breach of the Agreement and may result, to the extent not prohibited by law, in: (a) the immediate termination of the Account and/or Operator’s access to the GM Services and (b) the charge to Operator of additional fees arising from the collection of delinquent accounts, including collection agency fees, attorneys’ fees and expenses, costs of any legal proceeding, and any applicable interest.

Fees quoted on any Order or otherwise specified via the Account are exclusive of, and unless otherwise expressly specified, Operator is responsible for, all sales, use, excise, value added, and property taxes, e-waste recycling fees, and other taxes, duties, levies, or similar charges, however designated, that are levied by any governmental or taxing authority relating to the activities governed by the Agreement, including any taxes assessed or required to be collected, paid, or withheld in connection with Operator’s receipt of the GM Services or related hardware (“Service and Equipment Taxes”), but excluding taxes in respect of Cake’s net income. Cake may its sole discretion calculate, collect, or pay estimated Service and Equipment Taxes and, if it does so, Cake reserves the right to charge and Operator will pay any Service and Equipment Taxes (in addition to Fees) as reasonably calculated by Cake. Calculation of Service and Equipment Taxes by Cake may be estimated at the time an Order is placed, based on, among other things, rates applicable to the billing address provided to Cake, and subsequently adjusted to conform to applicable law or regulation. For example, in certain jurisdictions, such as California, purchases of hardware may implicate an electronic equipment recycling fee (for which Operator is responsible) upon purchase.

V. IP Rights

Except for the limited use rights described herein, this Agreement and the delivery of the GM Services does not give Operator any intellectual property rights in the GM Services or the Cake content or documentation that is provided. All present and future rights in and to trade secrets, patents, copyrights, trademarks, service marks, know-how, and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to Cake or the GM Services shall at all times be and remain the sole and exclusive property of Cake and its direct and indirect parent and subsidiary companies (the “Cake Entities”) or their business partners. You agree to not reproduce, distribute, modify, create derivative works from Cake’s intellectual property inhering in the GM Service and to protect Cake’s proprietary rights and the proprietary rights of all others having rights in the GM Services during and after the term of the Agreement and to comply with all reasonable written requests made by Cake or its business partners or otherwise to protect Cake’s or any third party’s intellectual property rights in the GM Services.

If Operator chooses to provide input and suggestions regarding problems with or proposed modifications or improvements to the GM Services (“Feedback”), then Operator hereby grants Cake an unrestricted, irrevocable, non-exclusive, fully-paid, royalty-free right to exploit the Feedback in any manner and for any purpose, including to improve the GM Services and create other products and services, without notice, compensation or attribution to Operator or any other person. Feedback is not subject to any obligation of confidentiality. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the GM Services (“Materials”) are protected by intellectual property and other laws. All Materials included in the GM Services are the property of Cake or its third-party licensors. Except as expressly authorized by Cake, Operator may not make use of the Materials. Cake reserves all rights to the Materials not granted expressly in the Agreement.

VI. Data Use

Cake Data. As between the parties Cake and its business partners own all information that is provided to Operator as part of the GM Services that is not Guest Data or sourced from Operator Data (as defined below) (collectively, “Cake Data”). Operator may use Cake Data distributed to Operator solely to the extent necessary to: (i) perform the Agreement, (ii) comply with any legal requirements, or (iii) process or promote guest transactions as specifically provided for by the Agreement, except that Operator will not share any Cake Data with any third party that is not a guest without Cake’s prior written consent.

Operator Data. Operator authorizes Cake to access business, financial, and other information about Operator and its transactions with guests collected or generated in connection with the GM Services or the Agreement (collectively, “Operator Data”). Operator Data does not include Guest Data. Operator hereby grants to Cake a non-exclusive, worldwide, perpetual, royalty-free, fully paid up, transferable, and sublicensable right and license to use, copy, modify (including the right to create derivative works of), distribute, display and share Operator Data in connection with the GM Services, (and if applicable, any third party products or services made available within the Account) and for internal business purposes, as required in response to judicial or other governmental requests, subpoenas, warrants, and court orders, or as otherwise required by applicable law, and as otherwise set forth in this Agreement or the Privacy Policy. The foregoing grant includes the right for Cake to share Operator Data with third parties in connection with the marketing and provision of the GM Services as well as applicable third-party services used by or that may be of interest to Operator. Operator will be solely responsible for the accuracy, quality, content and legality (including compliance with all applicable laws) of Operator Data.

Operator represents, warrants and covenants that it has all rights necessary to upload the Operator Data to the GM Services and to otherwise have such Operator Data used or shared, as applicable, by Cake in relation to the GM Services. Operator will not upload or store any data or materials containing any such information in violation of this section.

Anonymized Data. Any Operator Data that is anonymized in a de-identified format (by aggregation or other means) (“Anonymized Data”) may be used, compiled, disclosed, distributed and published by Cake for any purpose in any manner in its discretion provided that such Anonymized Data does not directly identify Operator’s confidential information and does not qualify as Personal Information under applicable privacy laws. “Personal Information” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal data” under applicable data privacy laws, rules, or regulations.

VII. Hardware

Hardware for Purchase. Cake may offer for sale hardware, such as a tablet device (e.g., an iPad) and tablet cases (“Purchased Hardware”), solely for use in connection with the GM Service. Purchased Hardware is owned by Operator not Cake and is subject to a limited warranty and return policy described herein. To secure Purchased Hardware until Cake receives payment, Operator grants Cake a purchase money security interest in all Purchased Hardware sold to Operator, as permitted by law. Upon payment in full for any Purchased Hardware, Cake’s security interest in that Purchased Hardware shall be released automatically.

In the event that Operator wishes to return any UNUSED Purchased Hardware after delivery, then Operator may be eligible for a refund in an amount to equal the Purchased Hardware portion of the purchase price (i.e., not set-up or shipping and handling fees) paid by Operator minus a restocking fee equal to 30% of the purchase price. In order to be eligible for such refund (subject to the restocking fee), Operator must (i) Initiate the return within 10 days of receipt of the unit being returned; (ii) Ship the unit back with all original manuals, cables, materials, and packaging to the return shipping address provided by Cake; and (iii) Return the unit in original new condition. If Cake (or its third party agent) receives the Purchased Hardware unit after the allowable return period has expired, Operator will not be eligible for a refund.

Any (if any) set-up service (e.g., configuration) and shipping and handling fees are non-refundable. UNUSED Purchased Hardware must be complete and in manufacturer’s original packaging with no visible damage or use. Cake or its partners shall have the sole discretion to determine if the Purchased Hardware is “UNUSED.” Except in the event of a Cake or vendor error, Operator will be responsible for shipping charges associated with Purchased Hardware being shipped for return, exchange or replacement. Returns must be made via an authorized shipping carrier that allows the package to be tracked.

Delivery times for any (if any) standard and expedited shipping options depend on date and time of acceptance by Cake of the Agreement, which is not guaranteed and may be conditioned on receipt by Cake of additional information from Operator. Operator is responsible for shipping, freight, and insurance as well as any taxes, levies, duties or similar charges unless otherwise set forth hereunder. Operator will be responsible for any loss or damage to the product during shipping of a unit to Cake.

Cake may from time to time with or without notice remotely access certain Purchased Hardware for the purposes of Operator support, installing updates, risk analysis, analyzing trends and maintenance.

Warranties as to Purchased Hardware. Cake offers a limited one (1) year warranty (from original date of purchase) against material defects (the “Hardware Warranty”) on Purchased Hardware whereby subject to these terms Cake shall replace defective Purchased Hardware with a new or refurbished model that is the same as or comparable in feature and functionality to the model being replaced (a “Replacement Model”). This limited Hardware Warranty extends only to Operator as original purchaser and for use of hardware in connection with the GM Services. The Hardware Warranty shall not apply if the defective Purchased Hardware (i) has been subjected to misuse, neglect, improper handling or use contrary to any instructions issued by Cake, (ii) has been repaired or altered by persons other than Cake, (iii) has not been installed, operated, repaired and maintained in accordance with any associated documentation provided by Cake, or (iv) has failed as a result of its being used with third party hardware, software or other systems which use has not been previously approved in writing by Cake. Notwithstanding this limited warranty, it may be necessary for Operator to upgrade Purchased Hardware or purchase new Purchased Hardware from time to time, for which Operator will be charged.

No warranties will be granted without proof of purchase. Cake or its partners shall have the sole discretion to determine if, and to what extent, the Purchased Hardware is defective. Purchased Hardware found not to be materially defective after testing by Cake or its partners may be subject to return at Operator’s expense. If returned Purchased Hardware is defective beyond repair and the terms of the warranty are otherwise satisfied then Cake will in its discretion replace Purchased Hardware with Replacement Model.

Hardware Procurement Services and Terms of Agency. From time to time Cake may provide limited hardware procurement services to Operator related to the sourcing and purchasing of certain hardware related to the GM Services (“Operator Hardware”). Operator appoints Cake as its agent for the limited purposes of procuring such Operator Hardware and agrees to reimburse Cake for its actual costs incurred. In providing such procurement services Cake is not selling Operator Hardware and has no property interest in and provides no warranties as to any Operator Hardware, is not a seller or re-seller of the Operator Hardware and shall not be responsible for any defects, problems or damages of any kind related to Operator Hardware. Subject to Operator’s obligation to reimburse Cake for its direct purchasing costs (incurred on Operator’s behalf), Operator shall at all times own all right, title and interest in the Operator Hardware and is solely responsible for complying with any applicable third party licensing terms associated with the Operator Hardware.

Temporary Equipment Provisioning. In some circumstances Cake may coordinate the temporary provision of certain equipment (usually a tablet device(s) and case(s)) owned by Cake (the “Temporary GM Equipment”) to Operator for a limited time (the “Trial Period”) in connection with the delivery of the GM Services. Operator has no property interest in any Temporary GM Equipment and software installed in the Temporary GM Equipment is the intellectual property of Cake or its partners and licensors. At the completion of the Trial Period the Operator shall immediately return the Temporary GM Equipment to Cake or, if Operator elects to continue receiving the GM Services beyond the Trial Period, Cake in its sole discretion may transfer all ownership and interest in the Temporary GM Equipment to the Operator for a fee (an “Equipment Transfer”). If you fail to return the Temporary GM Equipment within 30 days of the end of the Trial Period, Cake will charge you and you agree to pay for such Temporary GM Equipment.

Operator may solely use the Temporary GM Equipment during the Trial Period for the purpose of receiving the GM Services and in compliance with this Agreement and any applicable third party licensing terms associated with the Temporary GM Equipment. Operator may not transfer (by lease, loan, sale, or sublicense or otherwise) the Temporary GM Equipment or any software installed on it during the Trial Period.

Operator must protect and keep in good state of condition and repair the Temporary GM Equipment and must not use the Temporary GM Equipment or the software on it other than in a manner and for the use intended; and must return the Temporary GM Equipment to Cake (or a third party partner if applicable) upon termination of the Agreement, in the same condition and good order as received, ordinary wear and tear excepted. Cake or its partners shall have the sole discretion to determine if, and to what extent, the Temporary GM Equipment has been damaged. Operator must notify Cake within three business days of discovery of any loss of or material damage to Temporary GM Equipment and Operator must reimburse Cake for the full cost of repairs for Temporary GM Equipment that is damaged. For any Temporary GM Equipment that is lost, stolen, or damaged beyond repair (such determination to be made in Cake’s reasonable discretion), the Operator must reimburse Cake for the full replacement value. Operator agrees to pay an amount to equal the cost of any repair or replacement within fifteen (15) days of receipt of notification from Cake of the cost of such repair or replacement. In the event loss or damage occurs to Temporary GM Equipment prior to termination of this Agreement, replacement equipment will not be provided to Operator until Cake receives full reimbursement costs for the lost or damaged Temporary GM Equipment.

Upon termination of the Agreement, unless the parties otherwise agree in writing or there has been an Equipment Transfer, the Operator shall (a) make any Temporary GM Equipment available for collection during business hours within 5 (five) business days of the termination date and/or (b) in the case that Operator is provided with a pre-paid return shipping box(es) to return of Temporary GM Equipment, ship such equipment to Cake within seven (7) business days of receipt of such box(es). In the event that Operator fails to ship or make available for pick-up any Temporary GM Equipment within the foregoing time periods, Cake reserves the right to charge Operator the replacement cost of any Temporary GM Equipment if such equipment is not received by Cake more than thirty (30) days following the termination date of the Agreement.

In the event of an Equipment Transfer, Cake provides no warranty of any kind with respect to (i) any Temporary GM Equipment or (ii) any service related to a third party warranty, however, manufacturer warranties may apply to certain Temporary GM Equipment. Generally, Apple warrants iPads and iPad Minis against defects in materials and workmanship for one year form the date of original retail purchase but does not warrant against normal wear and tear, nor damage caused by accident or abuse. To obtain more information, Operator should call or visit the Apple owned retail store or Apple authorized service provider.

VIII. Term and Termination

This Agreement shall commence upon your agreement to the GM terms herein (which shall be no later than your use of the GM Service) and shall continue for the service term specified in the Account sign-up process (if any) or any applicable Order (the “Term”) and shall automatically renew on a month to month basis thereafter, unless and until (a) either party terminates the Agreement by giving written notice to the other at least 30 days before the expiration of the initial Term or then-current renewal term, as applicable, (b) the Agreement is terminated in accordance with the Agreement, or (c) the parties agree in writing to a revised Term.

The service term and renewal period applicable to the GM Service (if different from the Term) is as set forth on the freemium account terms, applicable Account application or Order or otherwise specified via the Account. Subject to Cake’s right to change recurring Fees herein, renewal, if any, of access to the GM Services will be at Fees equal to Cake’s then-current “month-to-month” pricing for the GM Service (or its reasonable equivalent if the service as originally contracted is no longer available) unless the parties otherwise agree in writing at the time of renewal. If, prior to the end of a service term period applicable to the GM Service, (a) Operator terminates the Agreement in the absence of breach by Cake of the Agreement, (b) Cake terminates the Agreement, or (c) Operator sells all or substantially all of its business assets and the Agreement is not assigned to and assumed by the acquirer of those assets with Cake’s written approval, Operator is responsible for the Fees owed for the remainder of the term for that GM Service.

Either party may terminate this Agreement for any reason or no reason by 30 days prior written notice provided to the other party; provided, however, that if an Order sets forth a non-cancellable service term period (such as a one or two year term) then Operator shall be responsible for the fees owed under the Order for the remainder of service term in the event that Operator terminates the Agreement in the absence of breach by Cake or Cake terminates this Agreement due to Operator Default.

Cake has the right to terminate the Agreement and/or discontinue the GM Services at any time as a result of any of the following events effective immediately upon occurrence of the event: (a) a material failure by Operator in performing the Agreement (such as failing to pay fees due or otherwise comply with the Agreement) and (b) failure by Operator in complying with any materially significant (to the purposes this Agreement) law or third party right (each of the foregoing being a “Default”).

If the Agreement is terminated or suspended for any reason: (a) Operator must cease using the GM Service, (b) any licenses provided to Operator under the Agreement will end, (c) Cake has the right (but have no obligation) to delete all Operator information and any data, including transactional data, stored on Cake’s servers related to the GM Service (except as prohibited by law), (d) Cake will not be liable to Operator or any third party for termination or suspension of access to the GM Services or for deletion of any information associated with Operator’s account, except that Cake will provide a pro-rated refund of Fees already paid for GM Services not yet delivered if Cake terminates the Agreement or GM Services for reasons not within Operator’s reasonable control, and (e) those terms that by their nature are intended to survive termination (such as intellectual property ownership, arbitration obligations, indemnification obligations, limitations of liability, and obligations to pay any Fees or costs accrued prior to the effective date of the termination and any other amounts owed by Operator to Cake, including claims, fines, penalties, and other liability incurred by Cake caused by Operator’s use of the GM Service) will survive. The termination of the Agreement does not terminate any agreement between Operator and any third party and therefore does not relieve Operator of any obligations it may have under third party agreements.

IX. Disclaimer.

EXCEPTING THE HARDWARE WARRANTY SPECIFIED HEREIN, THE GM SERVICES AND ANY RELATED HARDWARE, MATERIALS, OR TECHNOLOGY MADE AVAILABLE BY CAKE TO OPERATOR UNDER THE AGREEMENT, THROUGH THE GM SERVICES, OR PROVIDED INCIDENTALLY TO THE AGREEMENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND AND THE CAKE ENTITIES HEREBY DISCLAIM ANY AND ALL OTHER REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, MADE TO OPERATOR OR ANY OTHER PERSON REGARDING QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, NON-INFRINGEMENT, OR OTHERWISE (REGARDLESS OF ANY COURSE OF DEALING, CUSTOM, OR USAGE OF TRADE). OPERATOR’S ACCESS TO AND USE OF THE GM SERVICES, ANY MOBILE APPLICATIONS, WEBSITES OR MATERIALS LINKED TO ANY GM SERVICES IS AT OPERATOR’S OWN RISK. WITHOUT LIMITING THE FOREGOING, EXCEPT AS OTHERWISE STATED IN THE AGREEMENT, THE CAKE ENTITIES AND THEIR BUSINESS PARTNERS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE GM SERVICES OR THE CONTENT OF ANY WEBSITES, MOBILE APPLICATIONS OR MATERIALS LINKED TO THE GM SERVICES. THE CAKE ENTITIES DO NOT WARRANT THAT THE GM SERVICES OR ANY PORTION OF THE GM SERVICES, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE GM SERVICES, WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY OPERATOR FROM THE GM SERVICES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE GM SERVICES WILL CREATE ANY WARRANTY REGARDING ANY OF THE CAKE ENTITIES OR THE GM SERVICE THAT IS NOT EXPRESSLY STATED IN THE AGREEMENT. OPERATOR ASSUMES ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM OPERATOR’S USE OF OR ACCESS TO THE GM SERVICES, OPERATOR’S DEALING WITH ANY THIRD PARTY IN CONNECTION WITH THE GM SERVICES, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE GM SERVICES. OPERATOR IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO OPERATOR’S PROPERTY (INCLUDING OPERATOR’S COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE GM SERVICES), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE GM SERVICES OR THE DOWNLOAD OR USE OF RELATED MATERIAL OR CONTENT.

SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND OPERATOR MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

X. Liability and Indemnification.

Generally. Please read this Section carefully since it limits the liability of the Cake Entities. Each of the subsections below only applies up to the maximum extent permitted under applicable law. Nothing in this Section is intended to limit any rights Operator may have that may not be lawfully limited.

Limitation of Liability. EXCEPT TO THE EXTENT NOT PERMITTED BY APPLICABLE LAW NO CAKE ENTITY WILL BE LIABLE TO OPERATOR OR ANY THIRD PARTY FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE GM SERVICES OR OTHERWISE ARISE IN CONNECTION WITH THE AGREEMENT. UNDER NO CIRCUMSTANCES WILL ANY CAKE ENTITY BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE GM SERVICES OR THE ACCOUNT, OR THE INFORMATION CONTAINED IN THE ACCOUNT OR ACCESSIBLE VIA THE GM SERVICES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE CAKE ENTITIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (a) LOSS OF DATA, (b) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM OPERATOR’S ACCESS TO AND USE OF ANY GM SERVICE OR RELATED HARDWARE, (c) ANY UNAUTHORIZED ACCESS TO OR USE OF CAKE’S SYSTEMS OR ANY AND ALL PERSONAL INFORMATION OR FINANCIAL INFORMATION STORED ON THOSE SYSTEMS, (d) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE GM SERVICES OR RELATED HARDWARE, (e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE GM SERVICES OR RELATED HARDWARE BY ANY THIRD PARTY, (f) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT MADE AVAILABLE VIA THE GM SERVICES OR RELATED HARDWARE, OR (g) OPERATOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.

NO CAKE ENTITY OR ANY OF THEIR PROCESSORS, SERVICE PROVIDERS, SUPPLIERS, OR LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, OR EMPLOYEES) WILL BE LIABLE TO OPERATOR FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AGGREGATE AMOUNT OF FEES AND CHARGES PAID TO CAKE PURSUANT TO THE AGREEMENT FOR THE APPLICABLE GM SERVICES OR RELATED HARDWARE RELATING TO THE CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, OR COSTS IN THE SIX MONTH PERIOD PRECEDING THE EVENT THAT GAVE RISE TO THE CLAIM OF LIABILITY.

OPERATOR RECOGNIZES AND CONFIRMS THAT IF IT INCURS ANY DAMAGES, LOSSES OR INJURIES THAT ARISE OUT OF THE GM SERVICES OR CAKE’S ACTS OR OMISSIONS, THE DAMAGES, IF ANY, CAUSED TO OPERATOR ARE NOT IRREPARABLE OR SUFFICIENT TO ENTITLE IT TO AN INJUNCTION, AND IT WILL HAVE NO RIGHTS TO ENJOIN OR RESTRAIN THE DEVELOPMENT, PRODUCTION, DISTRIBUTION, ADVERTISING, EXHIBITION OR EXPLOITATION OF THE GM SERVICES.

IF OPERATOR IS A CALIFORNIA RESIDENT, OPERATOR WAIVES CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.” You also waive any protection that may exist under any comparable or similar statutes or principles of common law applicable in states other than California.

Third Party Disputes. ANY DISPUTE OPERATOR HAS WITH ANY CARRIER, THIRD PARTY SERVICE, OR OTHER THIRD PARTY, INCLUDING, WITHOUT LIMITATION, ANY OTHER USER OF THE GM SERVICES, IS DIRECTLY BETWEEN OPERATOR AND THAT THIRD PARTY, AND OPERATOR IRREVOCABLY RELEASES THE CAKE ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THOSE DISPUTES.

Operator hereby agrees to indemnify and defend the Cake Entities (and any of their employees, officers, directors, and agents) against any claims or losses, including settlement amounts or damages, liabilities, and expenses (including reasonable attorneys’ fees), arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) Operator’s access to, use of, or alleged use of, the GM Services; (b) any actual or alleged violation of Operator’s representations, warranties, agreements, or obligations referenced in the Agreement or any applicable law or regulation; (c) any actual or alleged violation of Cake’s policies or applicable policies of its business partners, (d) wrongful or improper use of any GM Service by or on behalf of Operator; (e) inaccurate or incomplete Operator Data, (f) any transaction or other dealings with any other user or other third party, including Operator customers, in which Operator is involved, (g) Operator’s violation of any third party right, including any copyright, property, or privacy right, (h) Operator’s violation of law, or (i) Operator’s violation of any term of this Agreement. Cake maintains the right to control its own defense in any matter subject to indemnification by Operator, in which event Operator will assist and cooperate with Cake in asserting any available defenses.

XI. Arbitration

Generally. In the interest of resolving disputes between Operator and a Cake Entity in the most expedient and cost effective manner, every dispute arising in connection with the Agreement will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. The Agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of the Agreement, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of the Agreement. OPERATOR UNDERSTANDS AND AGREES THAT, BY ENTERING INTO THE AGREEMENT, OPERATOR AND CAKE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. Notwithstanding the foregoing, Operator or Cake may choose to pursue a claim in court and not by arbitration in the event of a claim that Operator has failed to timely pay amounts due. Cake may assign your account for collection, and the collection agency may pursue in any court of competent jurisdiction any claim that is strictly limited to the collection of past due amounts and any interest or cost of collection permitted by law or this agreement. In any event, any action or proceeding by operator against a Cake Entity relating to any dispute must commence within one year after the cause of action accrues.

Exceptions. Despite the provisions of the preceding paragraph, nothing in the Agreement will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) seek injunctive relief in a court of law; or (c) to file suit in a court of law to address an intellectual property infringement claim.

Arbitrator. Any arbitration between Operator and Cake will be settled under the Federal Arbitration Act, and governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these GM Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Cake.

Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or, only if the other party has not provided a current physical address, then by electronic mail (“Notice”). Cake’s address for Notice is: Cake Corporation, 9th Floor, MetWest Three, 4050 West Boy Scout Boulevard,
Tampa, Florida 33607. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within 30 days after the Notice is received, Operator or Cake may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Operator or Cake must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any.

Fees. If Operator commences arbitration in accordance with the Agreement, Cake will reimburse Operator for Operator’s payment of the filing fee, unless Operator’s claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Hillsborough County, Florida, but if the claim is for $10,000 or less, Operator may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of Operator’s billing address. If the arbitrator finds that either the substance of Operator’s claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, Operator will reimburse Cake for all monies previously disbursed by it that are otherwise Operator’s obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

No Class Actions. OPERATOR AND CAKE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both Operator and Cake agree otherwise, the arbitrator may not consolidate more than one Person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

Modifications to this Arbitration Provision. If Cake makes any future change to this arbitration provision, other than a change to Cake’s address for Notice, Operator may reject the change by sending Cake written notice within 30 days of the change to Cake’s address for Notice, in which case Operator’s account with Cake will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes Operator rejected will survive.

Enforceability. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement. If the above “No Class Actions” paragraph is found to be unenforceable or if the entirety of this Arbitration Section is found to be unenforceable, then the entirety of this Arbitration Section is null and void, the remaining provisions of these GM Terms will remain in effect in accordance with the severability clause of this Agreement, and the exclusive jurisdiction and venue described in herein will govern any action arising out of or related to the Agreement.

XII. Modification of the Agreement or Service

Except as set forth herein, Cake has the right to change or add to the terms of the Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the GM Services or Guest Manager software (an “Agreement Change”) with notice that is reasonable in light of the circumstances, such as by updating the GM Terms on the Operator portal (if available) or on any website or mobile application maintained or owned by Cake for the purposes of providing services under the Agreement. Operator understands the importance of regularly reviewing these GM Terms and other portions of the Agreement as updated on the portal. Use of the GM Services after notice of any Agreement Change will confirm that Operator have read, accepted, and agreed to be bound by the modifications to the Agreement or constitute Operator’s acceptance of the changed GM Service. Notwithstanding the foregoing, (a) any dispute between the parties that arose before the effective date of an Agreement Change is governed by the Agreement (including the binding individual arbitration clause) that was in place when the dispute arose and (b) if an Agreement Change negatively and materially impacts Operator’s rights under the Agreement, and Cake does not waive the applicability of those changes to Operator, Operator may terminate the Agreement by providing written notice thereof to Cake, and in that event, is released from any payment obligations under the Agreement except for outstanding fees owed. That notice must be given within 30 days following the date of notice by Cake of the Agreement Change.

XIII. Electronic Communications and E-Sign Consent

Cake may provide disclosures and notices regarding the GM Services, the Agreement, or the Account to Operator electronically by posting it to the GM Services or Cake’s website, or by emailing it to an email address listed in the Account. Those electronic disclosures and notices will have the same meaning and effect as if Operator was provided with physical copies. Those disclosures and notices are considered received by Operator within 48 hours of the time posted or emailed to Operator unless Cake receives notice of non-delivery. It is Operator’s responsibility to keep email address(es) valid and active and to monitor the email account(s). Cake will not be liable to Operator or any third party for any losses resulting from Operator’s failure to comply with the foregoing. To withdraw consent to receiving disclosures and notices electronically, Operator should contact support@madmobile.com. Operator’s electronic signature shall have the same effect as a manual, physical signature.

By providing an email address or mobile phone number to Cake in connection with this Agreement, Operator consents to Cake or its authorized partners sending email or text (SMS) messages to you related to the GM Services and to promote services, products, and features related to the GM Services that may be of interest to Operator or to solicit Operator’s opinion for market research purposes. Message and data rates may apply for any messages sent to you from us and to us from you. If Operator would not like to be contacted via text messages in connection with the marketing of services of Cake or its business partners please contact support@madmobile.com.

XIV. Confidentiality and Privacy

Generally. “Confidential Information” means information and materials related to Cake or the GM Services, and all non-public, confidential or proprietary information of the Cake Entities, including specifications, samples, patterns, designs, plans, drawings, documents, data, business operations, customer lists, pricing, discounts, or rebates, disclosed by Cake to Operator or otherwise obtained by Operator from Cake, whether disclosed orally or disclosed or accessed in written, electronic, or other form or media, and whether or not marked, designated, or otherwise identified as “confidential,” in connection with the Agreement. “Confidential Information” does not include any information that Operator can demonstrate: (a) was publicly known and made generally available in the public domain prior to the time of disclosure to Operator by Cake; (b) became publicly known and made generally available after disclosure to Operator by Cake through no action or inaction of Operator; or (c) was in the possession of Operator, without confidentiality restrictions, at the time of disclosure by Cake, as shown by Operator’s files and records. Confidential Information is, as between Cake and Operator, the sole property of Cake and may include valuable trade secrets of Cake. Operator will treat the Confidential Information as confidential and will not, without the express written consent of Cake: (i) use Confidential Information except for the purposes expressly permitted in the Agreement; (ii) distribute or market Confidential Information to any third party; (iii) disclose information relating to the documentation, performance, or quality of the GM Services to any third party (except as permitted by law); or (iv) disassemble, decompile, or reverse engineer any portion of the GM Services. The provisions of this paragraph are effective during the Term (as defined below) and for a period of two years after the Term, except that, for information that constitutes a trade secret under applicable law, the protection period is extended for so long as that information continues to qualify as a trade secret. Operator may disclose Confidential Information if and only to the extent required by law if Operator gives Cake prompt written notice of the requirement prior to the disclosure and assistance in obtaining an order protecting the information from public disclosure.

Disclosure of Operator Information. To the fullest extent permitted by applicable law, Cake may disclose to third parties information provided by Operator in order to, among other things, (a) comply with business partner requirements, (b) verify information about Operator and its qualification to use a GM Service, (c) implement risk management controls, (d) ensure regulatory and related compliance, (e) analyze and evaluate the GM Services, and (f) deliver and support the GM Services. Additionally, to the extent permitted by applicable law Cake may disclose information provided by Operator to Cake to third parties in the event Cake is requested or required by applicable law, regulation or legal process (including a subpoena or other administrative or judicial request), to disclose such information. Cake may periodically conduct reporting to assess Operator’s on-going ability to meet the requirements to use the GM Services.

Data Privacy. The Personal Information of Operator, Operator’s employees and guests will be Processed as part of the GM Services. By using the GM Services, Operator agrees that it has read, understood, and shall comply with the data collection, use, disclosure, and management provisions in the Privacy Policy with respect to any Personal Information collected as part of its performance of this Agreement. Operator further agrees to establish and maintain a privacy policy with respect to Guest Data and any other data that Operator collects through the GM Services that complies with Privacy Laws and is consistent with the Privacy Policy. To the extent Operator’s processing of Personal Information is outside the scope described in these GM Terms or the Privacy Policy, Operator shall be solely responsible for putting in place any additional controls (e.g. notice, consent) and governance in connection to such processing

Cake acts as a processor on behalf of Operator where Cake Processes the Personal Information of (i) Operator employees in connection with the provision of GM Services that relate to the management and administration of employees on behalf of the Operator, and (ii) guests where Operator uses the Services to communicate with or provide offerings directly to such guests. In such capacity Cake will comply with all Operator’s instructions regarding the processing of Personal Information; Cake will not without consent “sell” or “share,” as defined by applicable Privacy Laws, Personal Information; Cake shall not retain, use, or disclose the Personal Information for any “commercial purpose” other than performing GM Services on behalf of the Operator, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, facilitating payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the Operator; Cake shall not retain, use, or disclose Personal Information outside of the direct Operator relationship between Cake and Operator; Cake shall not combine or update Personal Information with any other information, except as provided for under Privacy Laws; Cake shall comply with all applicable laws and obligations regarding the use and protection of Personal Information, including all Privacy Laws. “Process” or “processing” means any operation or set of operations that is/are performed upon Personal Information, whether or not by automatic means, including, but not limited to, use, collection, recording, organization, storage, access, adaptation, alteration, retrieval, consultation, use, disclosure, dissemination, making available, alignment, combination, blocking, deleting, erasure, or destruction. Cake grants Operator the right, upon notice, to take reasonable and appropriate steps to stop and remediate unauthorized use of Personal Information in connection with the above.

To the extent required to carry out the GM Services and fulfill Cake’s contractual obligations, Operator agrees to provide a general authorization for Cake to engage sub-processors. Any sub-processor relationship must be governed by a written agreement that imposes substantially similar obligations as are imposed on Cake in relation to the Processing of Personal Information as set forth herein. Cake shall provide reasonable assistance and cooperation to Operator in relation to any individual rights requests made pursuant to the applicable Privacy Laws.

Operator shall comply with all applicable privacy laws including, but not limited to, federal, state, provincial, regional and local laws and regulations related to the collection, processing, or safeguarding of Personal Information (“Privacy Laws”) with respect to any Personal Information collected through the GM Services. Privacy Laws may include, but it is not limited to, laws, and associated regulations or guidance, such as pursuant to the California Consumer Privacy Act (the “CCPA”) and California Privacy Rights Act (“CPRA”, as codified in California Civil Code sections 1798.100, et seq., (collectively, “CCPA/CPRA”), the Virginia Consumer Data Privacy Act, the Colorado Privacy Act, the Connecticut Data Privacy Act, the Utah Consumer Privacy Act, and other similar laws currently in effect or that may come into effect during the term of the Agreement, all as applicable and as may be amended from time to time. Operator will notify Cake promptly if Operator determines that it can no longer meet its obligations under these GM Terms and Privacy Laws and upon Cake’s request, Operator shall make available to Cake all information reasonably necessary to demonstrate its compliance with these GM Terms and Privacy Laws.

Operator shall assist and cooperate with Cake in Cake’s compliance with applicable Privacy Laws, including without limitation, compliance with individual rights requests, responding to notices or inquiries from governmental, regulatory, legal or other authorities, and providing notifications and remedies to individuals with respect to the GM Services. Cake shall have the right take reasonable and appropriate steps to stop and remediate unauthorized use of Personal Information it discloses to Operator. To the extent legally permissible, Operator shall notify Cake prior to responding to any consumer or governmental request related to the GM Services. To the extent that Operator utilizes any third parties in connection with its use of the Services Operator shall ensure that those relationships are governed by a written agreement that imposes appropriate privacy obligations and security controls that are substantially similar to the measures contained in this Agreement. In all cases, Operator shall remain responsible for any acts or omissions of the third party to the same extent as if such acts or omissions were attributable to Operator.

Consent to Use of Data. Operator agrees that Cake and its third party partners may exchange information about Operator, including financial information, to the extent necessary to effectuate the GM Services. Certain of Operator’s information may be collected and stored by those third party partners, shared with other third parties (including Cake) in a manner consistent with law, and aggregated in a non-registrant specific manner by the third party partners for marketing purposes. Cake may, subject to the Privacy Policy, collect, process, and use technical data and related information in a reasonably de-identified format (such that no person or household is reasonably identifiable), including UDID, and other technical information about Operator’s devices, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support, and other services to Operator (if any) related to the GM Services, and to track and report Operator’s activity in a de-identified format inside of the GM Services hosted by or on behalf of Cake.

Guest Data. In Cake’s performance of the GM Services, both Cake and Operator will receive, use and store information about third parties, including guests/consumers, such as names, mailing addresses, email addresses, phone numbers, payment card numbers and other financial account-related information, purchasing preferences, and statistical information relating to use of the GM Service by guests (all that data, “Guest Data”). Operator will use such data solely for the purposes of (a) fulfilling the applicable guest’s transaction or experience, (b) complying with Operator’s obligations in the Agreement; or (c) complying with applicable law. Cake reserves the right to suspend the GM Services to any Operator that utilizes any email address or mobile telephone number inputted into the GM Services for any purpose outside of the Service, or in any way that is not legally compliant. Operator will not share or use any Guest Data or third party operator data for marketing, advertising, or other commercial purposes without the express consent of the guest or other third party to which that data relates. NOTWITHSTANDING THE CAPABILITY OF THE GM SERVICES TO COLLECT AND STORE GUEST DATA AND IN SOME CASES TO ALLOW GUESTS TO ELECT TO RECEIVE MARKETING MATERIALS FROM OPERATOR, OR ENABLE OPERATOR TO SEND MARKETING MATERIALS TO GUESTS, APPLICABLE LAWS AND OPERATING RULES MAY LIMIT (i) THE USE OF THAT INFORMATION ONCE COLLECTED, EVEN IF GUEST HAS PROVIDED CONSENT, AND (ii) DISCLOSURE OF THAT INFORMATION TO THIRD PARTIES.

The GM Service includes services or programs that leverage the email addresses and mobile telephone numbers received by and/or inputted by the Operator. Any email address or mobile telephone number displayed, provided, or otherwise furnished by the GM Service is on a temporary basis and the Operator may not record, save, add to any marketing list, or otherwise use such number or address outside of the GM Service. Operator agrees that this Agreement does not authorize it to collect information from guests (such as email addresses or mobile numbers) apart from any feature that may be included in the GM Service. Further, notwithstanding anything in this Agreement to the contrary, the Operator shall not use the GM Services to message (via email or mobile text (SMS) or other medium) any guest or other third party that has not expressly “opted-in” to or agreed to receive communications or that has subsequently “opted-out” or withdrawn its consent to receive communications. For example, if a guest provides its mobile number via oral communications, Operator must ensure that the guest expressly consents to receiving SMS text messages before using the GM Services to communicate with such guest. In all cases Operator will solely use the GM Services to message guests (or other third parties) in compliance with applicable law, including any requirements or standards (e.g., “anti-spam” laws and/or the Telephone Consumer Protection Act of 1991 (the “TCPA”)) governing the sending of commercial e-mail or mobile text messages.

Information Security and Data Storage. Operator shall put in place appropriate policies and technical, organizational, and administrative security controls to safeguard any Personal Information it receives through the GM Services, including without limitation, Guest Data, from unauthorized use, disclosure or access. To the extent Operator shares Personal Information made available to Operator through the GM Services with any subcontractor, Operator shall enter into a written contract with such subcontractor that requires the subcontractor to, at minimum, meet Operator’s obligations under these GM Terms. Without limiting the disclaimers in these GM Terms, Cake will use commercially reasonable efforts to comply with applicable privacy laws regarding the security of personal information obtained from Operator. Cake does not represent, warrant, or guarantee that unauthorized third parties will be unable to defeat Cake’s security measures or use Operator’s personal information for improper purposes.

Operator is responsible for ensuring its data systems are fully protected against unauthorized breaches and maintaining backups of Operator Data at all times. While Cake may archive certain Operator Data while the Account is active and not in default, if there is any loss of Operator Data, Operator’s exclusive remedy is for Cake to use commercially reasonable efforts to attempt to replace or restore the lost data from the latest backup (if any) of the Operator Data that Cake has maintained in accordance with its ordinary storage procedures. Without limiting any of the foregoing, Operator is solely responsible for archiving Operator Data for use after the close of an Account.

Compliance with Laws. Operator represents and warrants that it has all necessary rights and consents under applicable law to use and disclose the Personal Information it provides to Cake pursuant to this Agreement and that Cake will not be in breach of any applicable laws by processing such Personal Information. Operator acknowledges and agrees that Cake may provide some or all of the GM Services from systems located within the United States or countries outside of the United States and that it is Operator’s obligation to disclose, as applicable, to its guests that Personal Information from such guests may be transferred, processed, and stored outside of the United States and may be subject to disclosure as required by applicable law.

If you send electronic messages (such as text messages) to US recipients, you are most likely subject to the CAN-SPAM Act and the TCPA. If you send electronic messages to Canadian recipients, you are most likely subject to Canada’s Anti-Spam Legislation (“CASL”). GM Services may provide pre-populated message templates (based on default settings or Operator instructions) with respect to transactions with guests as a convenience to Operator, however, it is solely Operator’s responsibility to determine whether electronic messages sent using the GM Services comply with applicable law such as CASL or the TCPA. Cake shall in no way be held responsible for violation(s) of CASL, the CAN-SPAM Act or the TCPA. Broadly, to be compliant under CASL a sender of electronic messages to guests must have obtained the consent of the recipient to send him or her the electronic message and the electronic message must contain certain information, including an unsubscribe mechanism with certain requirements.

XV. Miscellaneous

Entire Agreement. The Agreement, along with any applicable policies and agreements made available at Cake’s websites, mobile applications or Operator portal(s) incorporated into the Agreement by express reference and any exhibits, appendices, addenda, schedules, and amendments explicitly made to the Agreement, sets forth the entire understanding between Operator and Cake with respect to Operator’s use of the GM Services, and supersedes any and all other agreements, oral or in writing, including any agreements as to pricing, implementation schedules, or future releases of services, related to the GM Services, unless made in writing and expressly incorporated into the Agreement. Notwithstanding the foregoing, an updated version of these GM Terms or any other portion of the Agreement (including any version made available to Operator by written communication or by notice at Cake’s or its affiliates’ websites, mobile applications or Operator portal(s)) prevail over previous versions. Any purchase order or similar document that Operator may issue in connection with the Agreement will be for ordering purposes only and any terms and conditions on that purchase order or other document will be of no force or effect.

Waiver. No waiver by any party of any of the provisions of the Agreement will be effective unless explicitly set forth in writing and signed by the party so waiving. Except as otherwise set forth in the Agreement, no failure to exercise, or delay in exercising, any rights, remedy, power or privilege arising from the Agreement will operate or be construed as a waiver thereof, nor will any single or partial exercise of any right, remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. NOTHING IN THE AGREEMENT WILL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO OPERATOR.

Severability. If any term or provision of the Agreement is invalid, illegal, or unenforceable in any jurisdiction, that invalidity, illegality, or unenforceability will not affect any other term or provision of the Agreement or invalidate or render unenforceable that term or provision in any other jurisdiction.

Attorneys’ Fees. Operator will pay Cake all reasonable costs and expenses, including attorneys’ fees and court costs, incurred by Cake in exercising any of its rights or remedies under the Agreement or enforcing any of the terms, conditions, or provisions of the Agreement.

Excused Non-Performance. Cake will not be liable or responsible to Operator, nor be deemed to have defaulted or breached the Agreement, for any failure or delay in fulfilling or performing any term of the Agreement when and to the extent that failure or delay is caused by or results from acts or circumstances beyond the reasonable control of Cake including, without limitation, acts of God, flood, fire, earthquake, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest, national emergency, revolution, insurrection, epidemic, lockouts, strikes or other labor disputes (whether or not relating to either party’s workforce), or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, materials or telecommunication breakdown or power outage except that, if the event in question continues for a continuous period in excess of 30 days, Operator will be entitled to give notice in writing to Cake to terminate the Agreement.

Governing Law. The Agreement is governed by and construed in accordance with the laws of the State of Florida without reference to conflict of laws principles. If a lawsuit or court proceeding is permitted under the Agreement, then Operator and Cake will submit to the personal and exclusive jurisdiction of the state courts and federal courts located within Hillsborough County, Florida for the purpose of litigating any dispute.

Change in Ownership; Assignment. Operator will not assign or transfer its benefit or obligations under the Agreement without Cake’s prior written consent. Any sale or transfer of the equity interests of Operator’s business such that the holders of the equity interests of Operator’s business as of the date of the initial Order do not own more than 50% of the equity interests immediately after such transfer shall be deemed an assignment of this Agreement. Cake may assign any or all of its rights under the Agreement in its sole discretion. Subject to the foregoing, the Agreement is binding upon the parties and their successors and assigns (including those by merger and acquisition). Any permitted assignee of or successor entity to Operator must provide any additional information and execute any additional documentation or take any further actions as Cake may request in order to ensure continued provision of services under the Agreement.

No Third-Party Beneficiaries. Subject to the last sentence of this Section, the Agreement benefits solely the parties to the Agreement and their respective permitted successors and assigns and nothing in the Agreement, express or implied, confers on any other Person any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of the Agreement. The parties hereby designate the Cake Entities as third-party beneficiaries of the Confidentiality, Limited Liability and Data Use sections, having the right to enforce such sections.

Notices. All notices, requests, consents, claims, demands, waivers, summons, and other legal process, and other similar types of communications hereunder must be in writing. Notices to Cake must be addressed to the address specified herein. Notices to Operator will be sent to Operator’s then-current address specified in the Account. All notices must be delivered by personal delivery, nationally recognized overnight courier (with all fees pre-paid), or certified or registered mail (in each case, return receipt requested, postage prepaid), except for notices that the Agreement specifies may be provided by email or other means, including as specified in herein. A notice is effective only (a) upon receipt by the receiving party and (b) if the party giving the notice has complied with the requirements.

Interpretation. Section headings are used in the Agreement for convenience of reference only and will not affect the meaning of any provision of the Agreement. For purposes of the Agreement: (a) the words “include,” “includes” and “including” will be deemed to be followed by the words “without limitation”; (b) the words “such as”, “for example” “e.g.” and any derivatives of those words will mean by way of example and the items that follow these words will not be deemed an exhaustive list; and (c) the word “or” is used in the inclusive sense of “or” and the terms “or,” “any,” and “either” are not exclusive. No ambiguity will be construed against any party based on a claim that the party drafted the language.

Updated on August 11, 2023

-All costs and materials required for installation are your sole responsibility. This includes any installation performed by you or your staff as well as service performed by 3rd party installation partners recommended by CAKE or another 3rd party installer of your choosing. CAKE may provide some basic materials for installation of the system, however, other materials such as longer cables, mounting hardware, cable management solutions etc. are not included in the basic setup kit and are your responsibility if desired.

-CAKE hardware sold to and owned by Operator is subject to a limited warranty as per the Hardware Return Policy and Limited Warranty. For service, support, or warranty assistance of third-party hardware and accessories, you should contact the manufacturer directly. For example, when Apple products fail to function under normal use contact Apple support for repairs and replacements under their original manufacturers’ warranty. CAKE is not responsible for loss or damage to hardware due to theft, fire, negligence, misuse, or normal wear and tear, or natural disaster. Cake hardware that is defective and under warranty may be refurbished or replaced with a new or refurbished model of equivalent functionality.

-Unused Purchased Hardware may be returned for a refund (minus a restocking fee (30% of the purchase price unless otherwise agreed to by the parties in writing) after delivery only if returned within 10 days of receipt and shipped back with all original materials and packaging.

-Set-up fees (e.g. activation fees) and any shipping and handling fees are non-refundable. POS (including Orderpad) services and leases are non-cancelable notwithstanding any qualifying return of purchased hardware.

-The start of the monthly POS service commences 7 days after equipment delivery or when Operator first begins using the system, whichever is earlier. The service term applicable to each Cake Service shall commence upon activation of the service and unless otherwise expressly set forth in an Order continue for the length of the service term (including any renewal period) for the POS Service. At the end of the initial service term for the POS Service, POS Services and any associated Cake Services automatically renew for successive two (2) year periods at CAKE’s then-current applicable fees. Operator can opt-out at the end of a service term and go month-to-month at a price of $79 per month, per device and full price for CAKE Payments.

-A pro-rated amount of the monthly service fee is due at end of the first month of service and the full monthly POS Service fee is charged at the start of each service month thereafter. Payment will be via ACH or credit card or deduction from the payout of funds settling from card transactions if applicable and authorized. Failure to stay current with monthly fees or an installation plan can result in summary termination of your CAKE service. If your CAKE service is terminated for breach and CAKE subsequently agrees to reactivate the service you may be charged a reactivation fee consistent with applicable law.

-The services are subject to automatic renewal and recurring charges to your payment card or bank account or other authorized payment method at regular intervals up and through any renewal term. Recurring services and charges continue until canceled in accordance with the terms of the agreement.

-Signatories to a CAKE payment processing account and beneficial owners of the business may have an identity verification and/or credit check run against their names as part of the application process. The credit inquiry may appear up on the individual’s consumer credit report. Onboarding for CAKE payment processing is the responsibility of the merchant. Instructions for completing the CAKE payment processing application will be provided via email after the POS Agreement is completed.

-Online order settlement is generally performed on a regular basis into the specified bank account net of applicable fees. Restaurant is responsible for ensuring that fees do not result in any diminishment of tips (except as permitted by law) owed to service or delivery workers.

-Set-up, servicing and invoicing of CAKE Market Services are generally performed by a third party and not CAKE and subject to a separate agreement solely between Operator and the third party.

Updated on August 12, 2025

These Terms and Conditions are applicable to merchant users of the payment facilitator services provided by Cake Corporation, a Delaware corporation and a wholly owned subsidiary of Mad Mobile, Inc. (“Cake”), for the acceptance of card payments. If you are not using Cake’s payment facilitator services (e.g., exclusively using third party payment processor services) then these Terms and Conditions are not applicable to you.

The Terms and Conditions described here (together with the portion of your Cake order form applicable to Cake’s payment facilitator services, the “Payfac Agreement”, as amended) make a legal agreement between your restaurant business listed in the account application (the "Operator", “Merchant,” or "you,") and Cake. The Payfac Agreement governs the use by Operator of the payment facilitator services provided to Operator by Cake, directly or indirectly, and as described herein (the “Cake Payments”). To use Cake Payments, you must agree to all terms of this Payfac Agreement.

This Payfac Agreement has five parts. Part A (Services Description) describes the Cake Payments service and fees. Part B (Application and Account) describes the application (i.e., registration) process and operation of your Cake payments account. Part C (Card Transactions and Funds) and Part D (Other Operator Obligations) describes certain responsibilities Operator assumes in order to receive Cake Payments. Part E (Other Legal Terms) contains additional legal terms, including provisions that require arbitration for any legal dispute and limit the liability of Cake and its affiliates and business partners to you.

In addition to the foregoing, this Payment Agreement includes three exhibits. Exhibit A sets forth a Merchant Services Agreement directly between you and Cake’s Bank Partners that in some cases Visa or MasterCard requires of you. Please see Part A, Section 1 below for more information as to the applicability of this Merchant Services Agreement to you. Exhibit B sets forth the American Express Card Acceptance and Brand Requirements required by American Express. Exhibit C sets forth the Bank Rules that Cake’s Bank Partners (defined below) require all Operators to comply with as a condition for use of Cake Payments. Bank Rules may be amended from time to time by Cake’s Bank Partners.

A. SERVICES DESCRIPTION

1. Role of Cake. Cake Payments is a service that helps Operators receive card payments from the end-users that pay them (“Buyers”). Cake Payments now or in the future may be offered in connection with traditional card present point of sale and/or online (e.g., e-commerce) card transactions. Neither Cake, nor any bank, is a party to these transactions.

   Cake is not a bank or money services business and does not sell banking or money services business services. Cake collects and analyzes information generated in connection with payments between you as Operator and your Buyers and relays such information to its Bank Partners (defined below) in order for the Bank Partners to facilitate payments through MasterCard International Inc. ("MasterCard"), VISA U.S.A. Inc. ("VISA"), Discover, American Express Travel Related Services Company Inc. ("American Express"), or other payment card networks, association, or companies (the “Card Networks”). In order to act in this capacity, Cake is required to enter into legal contracts with processor(s) (such as Worldpay, LLC, having its principal office at 8500 Governors Hill Drive, Symmes Township, OH) and acquiring bank(s) (collectively, “Bank Partners”) as well as the Card Networks. Operator is not a third-party beneficiary of these contracts. Each of the Card Networks is a third-party beneficiary of this Payfac Agreement and has beneficiary rights, but not obligations, and may enforce this Payfac Agreement against you.

   The Bank Partners – not Cake – actually conduct the settlement of card transactions and ACH transactions (if applicable) to Operators. Cake does not at any point hold, own or control funds in connection with Cake Payments, nor does Cake transmit money or monetary value. In connection with the Cake Payments, Cake does not actually receive, take possession of or hold any money or monetary value for transmission, and does not advertise, solicit or hold itself out as receiving money for transmission. The Bank Partner(s) is the party with sole responsibility for conducting the settlement of funds between Buyers and Operators.

   Without limiting the foregoing paragraph, Buyer’s transfer of transaction proceeds as initiated through Cake Payments satisfies Buyer’s purchase obligations to Operator (who is the payee in Buyer transactions) in full regardless of when or if Operator ultimately receives funds from the Bank Partners. The Bank Partners are obligated to pay Operators under both (a) the provisions of its applicable agreement with Cake, and (b) the Card Network Rules (defined below) that make the Bank Partners responsible for settling with you. In all cases you as Operator remain solely responsible for the delivery of goods and services purchased by Buyers and, for the avoidance of doubt, product defects or violations or flaws applying to such goods and services.

   From time to time, the Card Networks may require that Operator enter into a contract directly with Bank Partners, either during the merchant account application process or thereafter, and further delivery of Cake Payments may be conditioned on entering into that contract. Specifically, to the extent required by the Card Networks, Operator agrees to the “Merchant Services Agreement” by and between Operator and the Bank Partners as set forth in Exhibit A in the event that Operator’s Visa or MasterCard transaction volume (in dollar amount) exceeds, or is anticipated to exceed, certain limits (set by Visa and MasterCard from time to time) during any 12 month period or in other circumstances where Visa or MasterCard require it. By agreeing to this Payfac Agreement (by "click through" or otherwise), you also agree to the terms and conditions of the Merchant Services Agreement, which constitutes a legal binding contract between you, on the one hand, and Worldpay, LLC and its designated Member Bank (as defined in the Merchant Services Agreement), on the other hand. American Express may require a direct relationship in analogous circumstances (and upon conversion you will be bound by the then-current American Express Card acceptance agreement). If you fail to agree to such agreement as required by the Card Networks and/or our Bank Partners Cake may suspend or terminate the delivery of Cake Payments.

2. Other Cake Services. Cake and its affiliates provide a variety of software solutions to the restaurant industry, including but not limited to point-of-sale software services (the “POS Software Services”) and hardware, online ordering (e-commerce) services, and guest management services. Such other services (“Other Cake Services”) are subject to additional pricing and payment terms (“Other Services Fees”).

3. Authorization. Operator hereby authorizes (a) Cake to provide transaction information to the Bank Partners in order for the Bank Partners to facilitate payments from Buyers to Operators through the Card Networks, (b) Bank Partner(s) to hold, receive, disburse, and settle funds on Operator’s behalf in connection with Buyer card transactions and generate a paper draft or electronic funds transfer to process each payment transaction authorized by Operator, (c) Cake to instruct its Bank Partners regarding how card transaction funds or credits for those funds are settled to Operator’s Bank Account (defined below) and the timing of such settlement and (d) Bank Partners to hold card transaction funds in a deposit account owned by Bank Partner(s) until such funds are settled to Operator (less amounts owed and subject to any chargeback or reserve withheld or applied). Any information provided or made available to Operator regarding anticipated amounts received on Operator’s behalf from the Card Networks and pending settlement is a provisional reporting statement, and does not create any ownership or other rights in those funds. The foregoing authorizations shall remain in full force and effect until the Payments Account is terminated as permitted hereunder.

   Further, Operator hereby authorizes Bank Partners to credit or debit (by ACH or other electronic means) Operator’s Bank Account (or any other bank accounts designated by Operator for use under this Agreement) for amounts payable to or by you under this Payfac Agreement to or from any, regardless of whether designated for settlement, billing, chargeback, etc. and to initiate reversal or adjustment (debit or credit) entries to such bank accounts and to initiate or suspend such entries as may be necessary to grant or reverse provisional credit for any transaction. Operator agrees to be bound by the ACH Rules and that all ACH transactions that it initiates will comply with all applicable laws. That authorization will remain in full force and effect until Operator notifies Cake that it expressly revokes it by contacting Cake at support@madmobile.com or Operator’s payment obligations under this Payfac Agreement terminate (whichever is earlier). Operator understands that Cake requires a reasonable time to act on the revocation.

4. Offline. Operator in its reasonable discretion may use Cake Payments from time to time to conduct point-of-sale activities offline (“Offline Mode”). Transactions initiated in Offline Mode will be queued and submitted for authorization when connectivity is reestablished. However, Operator assumes any and all risk, responsibility and liability associated with any transaction that Operator chooses to conduct in Offline Mode.

5. Information Security and Audits. Cake takes precautions to secure the Personal Information (defined below) of Operator and its Buyers that is maintained on Cake’s systems from accidental loss and unauthorized access. These measures are not a guarantee against loss or that unauthorized parties will never breach Cake’s systems or use such Personal Information for improper purposes. Accordingly, the Personal Information regarding Operator, its agents and its customers is provided at Operator’s risk. If Cake determines that a security event has happened, Cake may require Operator to have a third party auditor (that is approved by Cake) conduct a security audit of its systems and facilities and issue a finding that will be reviewable by Cake, its Bank Partners, and the Card Networks. If you discover a security-related issue, you agree to inform us of the issue immediately by contacting Cake at support@madmobile.com.

6. Privacy. The Personal Information of Operator, Operator’s employees and Buyers will be processed as part of the Cake Payments services. By using the services, Operator agrees that it has read, understood, and shall comply with the data collection, use, disclosure, and management provisions described in the Privacy Policy available at https://madmobile.com/privacy-policy/ with respect to any Personal Information collected as part of its performance of this Payfac Agreement. Operator further agrees to establish and maintain a privacy policy with respect to Buyer Data and any other data that Operator collects through the services that comports with Privacy Laws and is consistent with the Cake Privacy Policy. To the extent Operator’s processing of Personal Information is outside the scope described in this Payfac Agreement or the Privacy Policy, Operator shall be solely responsible for putting in place any additional controls (e.g. notice, consent) and governance in connection to such processing.

   Operator shall comply with all applicable privacy laws including, but not limited to, federal, state, provincial, regional and local laws and regulations related to the collection, processing, or safeguarding of Personal Information (“Privacy Laws”) with respect to any Personal Information collected through the services. Privacy Laws may include, but it is not limited to, laws, and associated regulations or guidance, such as pursuant to the California Consumer Privacy Act (the “CCPA”) and California Privacy Rights Act (“CPRA”, as codified in California Civil Code sections 1798.100, et seq., (collectively, “CCPA/CPRA”), the Virginia Consumer Data Privacy Act, the Colorado Privacy Act, the Connecticut Data Privacy Act, the Utah Consumer Privacy Act, and other similar laws currently in effect or that may come into effect during the term of the Payfac Agreement, all as applicable and as may be amended from time to time. Upon Cake’s request, Operator shall make available to Cake all information reasonably necessary to demonstrate its compliance with these Terms and Privacy Laws.

   Operator shall assist Cake in Cake’s compliance with applicable Privacy Laws, including without limitation, compliance with individual rights requests, responding to notices or inquiries from governmental, regulatory, legal or other authorities, and providing notifications and remedies to individuals with respect to the Cake Payments services. Cake shall have the right take reasonable and appropriate steps to stop and remediate unauthorized use of Personal Information it discloses to Operator. To the extent legally permissible, Operator shall notify Cake prior to responding to any consumer or governmental request related to the Cake Payments services. To the extent that Operator utilizes any third parties in connection with its use of the Cake Payments services Operator shall ensure that those relationships are governed by a written agreement that imposes appropriate privacy obligations and security controls that are substantially similar to the measures contained in this Agreement. In all cases, Operator shall remain responsible for any acts or omissions of the third party to the same extent as if such acts or omissions were attributable to Operator.

   Operator is responsible for implementing and maintaining appropriate technical, organizational and administrative security controls to safeguard Personal Information. In all cases, this obligation shall not limit Operator’s obligations regarding the implementation of any security measures required under Privacy Laws. If Operator (whether directly or through a third party) discovers or becomes aware of a Security Incident, Operator shall promptly notify Cake and take any additional steps that are reasonably necessary to remedy any non-compliance with this Agreement. This includes complying with all applicablerequirements of the Payfac Agreement as well as cooperation with the investigation of the Security Incident. Operator shall provide reasonable support with remedying a Security Incident when Buyer Data is involved. To the extent any Security Incident is attributable to the acts or omissions of the Operator, Operator shall bear all costs associated with remedying the Security Incident and complying with its legal obligations under the applicable Privacy Laws. “Security Incident” means any accidental or unlawful destruction, loss, alteration, theft, unauthorized disclosure of, or access to, Personal Information.

7. Unauthorized or Illegal Use. Cake and Bank Partners may not authorize or settle any Buyer transaction which we determine violates this Payfac Agreement or any other Cake agreement or exposes Cake, Cake Payments users, our Bank Partners or Operator to harm (which includes criminal acts). Cake may further disclose information to law enforcement about Operator, its Buyer transactions, or its Cake Payments Account in the event that Cake reasonably suspects that Operator’s Cake Payments Account has been used for any illegal or unauthorized purpose.

8. Payout Logistics. The Bank Partners will disburse funds (settling from Buyer card transactions submitted by Operator through Cake Payments) to a settlement bank account designated by Operator from time to time (the “Bank Account”) in the amounts actually received from the Card Networks (net of Fees (defined below), set-offs, and other funds owed to Bank Partners or Cake for any reason). The Bank Account must be in the name of the Operator’s business and located at a bank in the United States. Operator is responsible for providing accurate Bank Account information. If the Bank Partners cannot disburse the funds to the Operator’s bank account (due to inaccurate or obsolete bank account information entered by the Operator, or for any other reason), funds may be returned to the Buyer or escheated in accordance with these Terms and Conditions. Neither the Bank Partners, Cake, nor the Buyers will have any liability to Operator for funds so refunded or escheated.

   Funds for a particular transaction will be transferred to the Bank Account only after Bank Partners have received and accepted funds settling from the Card Networks, provided, however, that the actual time it takes for Bank Partners to initiate a transfer to Operator’s Bank Account of funds settled from card transactions may vary. Neither Cake nor Bank Partners shall be responsible for any action(s) taken by the financial institution holding Operator’s Bank Account that result in some or all of the funds not being credited to Operator Bank Account or otherwise made available.

   The payout of Operator’s funds may be subject to a hold period or otherwise limited or delayed depending on the perceived risk and transaction history of Operator’s Payments Account. Should Cake or its Bank Partners need to conduct an investigation or resolve any pending dispute related to Operator’s Payments Account, the Bank Partners may defer payout or restrict access to Operator funds for the entire time it takes to do so. The Bank Partners or Cake may also defer payout or restrict access to funds as required by law, Card Network Rules or court order, or if otherwise requested by law enforcement or governmental entity.

   If Cake or the Bank Partners suspect future chargebacks or disputes as a result of transactions to the Payments Account, the Bank Partners may defer payout and/or restrict access to Operator funds until Cake or the Bank Partners reasonably believe, in their sole discretion, that the risk of receiving a chargeback or dispute has passed. All settlements are subject to review for risk and compliance purposes and can be delayed or postponed at Cake’s sole discretion.

9. Pricing.

   9.1. Fees. Operator shall pay to Cake charges ("Fees") for Cake Payments in the manner described in and pursuant to the payments account application and/or any other designated payments fee schedule (each an “Order Form”, as amended from time to time (by reasonable notice to Operator)) and this Payfac Agreement. Fees include all fees set forth in the Order Form(s), including without limitation, interchange, assessment, authorization, processing, settlement, risk, and other fees or amounts charged by Cake or its Bank Partners or passed through (from the Card Networks or other third parties) to Operator by Cake or its Bank Partners. Any fixed per item or transaction-based Fees described in an Order Form (e.g., $.15 per item) apply to all Transaction types. “Transaction” means each electronic transaction event associated card-based or digital wallet payments, including without limitation each authorization, void, return, denial, reversal, etc., regardless of whether it results in a final settlement of funds. For the avoidance of doubt, Fees may include those related to “exceptions processing” such as payout failures (e.g., ACH returns) and

   Chargeback handling as well as TIN validation, Form 1099-K rejection or issuance, gateway access, Card Network Rules compliance, accelerated payout or funding, or wire transfers, each as set forth on the Order Form(s). Unless otherwise set forth in an applicable Order Form the following exceptions processing fees shall apply: (a) $30 for each Chargeback (b) $5 for each payout failure or “Notice of Change”, (c) $100 for each Form 1099-K rejection, (d) $5 for each Form 1099-K issuance, and (e) .25% per settlement for next day funding (or .5% per settlement for same day funding). To the extent the Order Form states a regularly recurring (such as monthly) fee, the fee is applied per Operator location unless the Order Form expressly states to the contrary. Monthly fees are not pro-rated for any partial month and are payable without regard to whether or not Operator actually uses the underlying service during the month. An “Inactivity Fee” $85/month - waived if at least one credit card transaction is processed in the preceding 90-day period. Operator shall also be liable for any penalties or fines imposed on Cake or its Bank Partners or directly on Operator by any Card Network or financial institution as a result of Operator activities. Pricing for Other Cake Services (such as those described in Part A, Section 2) is not bundled with the Fees for Cake Payments unless otherwise expressly stated in the agreement governing those Other Cake Services or herein.

   The above fees are netted against other funds due to Operator or, in the alternative, deducted from the Operator bank account, Reserve (described below) or other payment instrument associated with the Operator account.

   All pricing is exclusive of all taxes. Operator shall be responsible for all sales, use, excise, value added, and other taxes and duties however designated that are levied by any taxing authority relating to the activities related to this Payfac Agreement, excluding taxes in respect of Cake’s net income. All undisputed Fees not paid when due (including in the event the funds in the Bank Account are insufficient to cover fees due hereunder) shall bear interest at the rate of 1.5% per month or the maximum legal rate, whichever is lower, until paid in full. Additionally, Operator will be liable for Cake’s costs associated with collection in addition to the amount owed, including without limitation attorneys' fees and expenses and collection agency fees. In its discretion, Cake may make appropriate reports to credit reporting agencies and law enforcement authorities, and cooperate with them in any resulting investigation or prosecution. Operator hereby expressly agree that all communication in relation to delinquent accounts will be made by electronic mail or by phone, as provided by Operator to Cake. Such communication may be made by Cake or by anyone on its behalf, including but not limited to a third party collection agent.

   Operator may increase the prices to include the cost of the fees and shall, in such event, disclose these increases to the buyers as a service fee, subject to the Card Network rules and regulations as in effect from time to time.

   9.2. Fees Changes. Pricing provided by Cake in an Order Form is based upon assumptions associated with, among other things, (a) Card Network Rules and interchange fees, applicable laws, rules and regulations, and the commercial terms of Cake’s banking and vendor partnerships as well as (b) Operator’s individual risk and processing profile which includes Operator’s merchant category code, anticipated transaction volume, payment card category (i.e., interchange rate) ratios, and processing methods, as well as Operator’s method of doing business (i.e., the nature and type of business conducted by Operator) and the exclusive nature of the Payfac Agreement (see Part D, Section 5 below (Exclusivity)).

   Cake reserves the right to modify, amend or supplement the Fees (individually or generally to similarly situated Operators) at any time (a “Fees Change”), subject to a thirty (30) day notice period to Operator (a “Fee Change Notice”). If Operator continues to use Cake Payments after the end of the notice period then Operator is deemed to have accepted the change in Fees contemplated by such notice. Fee Changes shall become effective upon the date stated in the Fee Change Notice, provided the date shall not be fewer than 30 days after the date of the Fee Change Notice, unless the notice relates to a change arising from a change in the fees or Card Network Rules by the Card Networks or a change in applicable laws, rules, or regulations (collectively, a “Third Party Change”), in which case the Fees Changes shall be effective upon the earlier of the date stated in the Fee Change Notice or upon the date the Third Party Change is or was implemented by the applicable Card Network or governing authority.

   In the event of a material Fees Change (but not including a Third Party Change unless required by law or Card Network Rules), subject to the notice requirement below Operator shall have the right to terminate the

   Payfac Agreement and any related agreement for POS Software Services (a “Dependent Agreement”)), without the payment of any fees payable hereunder including those described in Part E, Section 5 and shall be released from recurring payments obligations under a Dependent Agreement for any subscription period that follows the date of termination (exclusive of fees owed or incurred for services provided through the effective date of termination (such as but not limited to fees owed for equipment purchases or professional services)). In order to exercise the foregoing termination right Operator must give written notice thereof to Cake within 30 days of the date of the Fee Change Notice. No such right to terminate shall apply in the event the Fees Change arises from a Third Party Change.

10. Customer Support. Cake provides its Operators with customer service to resolve issues relating to card processing and the settlement of funds that arise from use of Cake Payments. Operator is solely responsible for all customer service issues relating to its goods or services, including pricing, order fulfillment, order cancellation, returns, refunds and adjustments, rebates, functionality and warranty, technical support, feedback concerning experiences with Operator personnel, policies or processes, and dispute resolution and issues arising from the processing of Buyers’ cards through Cake Payments, all in accordance with the terms applicable to any transaction. In performing customer service, Operator will always present itself as a separate entity from Cake.

11. Set-off and Collection Rights. To the extent permitted by applicable law, the Bank Partners may set off any obligation Operator owes Cake hereunder, including processing fees, accelerated funding fees and exception item fees (such as fees related to chargebacks), against any credit in Operator’s Account or against amounts due to Operator. All Fees shall be deducted from funds payable to Operator arising from the settlement of card transactions and in the alternative such amounts shall be deducted from the Bank Account. If the Bank Account does not have sufficient funds, amounts owed may be collected from any funding source associated with the Payments Account, or from any other account under Operator control, or from any funding source associated with such other account, including but not limited to any funds (a) deposited by Operator, (b) due to Operator under this Payfac Agreement, or (c) available in your Bank Account, or other payment instrument (such as a payment card account). Failure to pay in full undisputed amounts owed on demand breaches this Payfac Agreement and Operator will be liable for additional fees arising from the collection of delinquency accounts, including without limitation collection agency fees, attorneys' fees and expenses, costs of any legal proceeding, and any applicable interest.

    Cake may require – as part of the application/registration process or thereafter - a personal guaranty from a principal of a business (who will be personally liable for the Operator’s financial obligations) for amounts due owed under this Payfac Agreement and in such case Operator understands that future delivery of Cake Payments is conditioned upon it delivering such guaranty to Cake. Communication from Cake regarding delinquent accounts, whether made by Cake or by an agent on its behalf (such as a third party collection agent) may be made by electronic communications or phone.

    To the fullest extent permitted by applicable law, Operator hereby authorizes Bank Partners to deduct undisputed Other Services Fees arising from Other Cake Services owed by Operator from the payout of funds (settling from Buyer card transactions submitted by Operator through Cake Payments) under this Payfac Agreement. This authorization will remain in effect until Cake receives notice from Operator expressly terminating the authorization or Operator’s payment obligations under this Payfac Agreement terminate (whichever is earlier) and in such manner as to afford Cake a reasonable opportunity to act on it.

12. Reserve. At any time and from time to time, the Bank Partners may temporarily suspend or delay payments to Operator and/or designate an amount of funds that the Bank Partners must maintain ("Reserve") to secure the performance of Operator payment obligations under this Payfac Agreement. A Reserve may be required for any reason, including high chargeback risk or indications of performance problems related to Operator use of the Payments Service and to otherwise ensure that Operator can cover chargebacks, returns, reversals, and other obligations under this Payfac Agreement.

    The Reserve will be in an amount as reasonably determined by Cake to cover potential losses to Cake or its Bank Partners. The Reserve may be raised, reduced or removed at any time by Banking Partners, in their sole discretion, based on Operator’s payment history, a credit review, the amount of any arbitration award or court judgment against Operator in Cake's favor, or otherwise as Cake or its Bank Partners may determine or require. If Operator does not have sufficient funds in Operator’s Reserve, the Bank Partners may fund the Reserve from any funding source associated with Operator’s Payments Account, or from any other account under Operator’s control or any funding source associated with such other account, including but not limited to any funds (a) credited to Operator’s Payments Account, (b) due to Operator under this Payfac Agreement, or (c) available in Operator bank account, or other payment instrument registered with Cake.

    To the extent permitted by applicable law Operator authorizes Cake to coordinate withdrawals or debits from the Reserve and to collect amounts that Operator owes Cake under this Payfac Agreement, including without limitation for any reversals of deposits or transfers made to Operator’s Payments Account. You irrevocably assign to us all rights and legal interests to any interest or other earnings that accrue or are attributable to your Reserve.

    1. Dormant Accounts. If there is no activity in Operator’s Payments Account (such as a payment or disbursement) for the period of time set forth in applicable unclaimed property laws, and there are Operator funds in that account, Cake may notify Operator by U.S. mail or sending an email to the Operator’s registered email address. Cake will give Operator the option of maintaining the Payments Account or requesting a release of funds. If Operator does not respond to the notice within the time period specified in the notice, Cake may close the Payments Account and the Bank Partners will escheat funds (less a processing fee) in accordance with applicable law.
    2. Accelerated Funding. If Operator is eligible for and participates in any accelerated funding program that Cake makes available from time to time, then in connection with such program Bank Partners may credit Operator’s Bank Account for fund amounts clearing from Buyer card transactions. Cake or the Bank Partners may establish required batch times in order for Operator to qualify for accelerated funding programs and recommends that Operator batch transactions at least 15 minutes prior to any stated required batch time. Not all transactions, including transactions that are not batched timely or exceed NACHA limitations or otherwise do not conform with restrictions applied by our Bank Partners, will qualify for accelerated funding. Amendment of the criteria to participate in or rules associated with accelerated funding programs will not constitute an amendment to the Payfac Agreement that allows Operator to terminate this Payfac Agreement as contemplated herein. In no event shall Cake or the Bank Partners be liable to Operator for monetary damages associated with failure to meet accelerated funding times. Operator’s eligibility to participate in accelerated funding program may be terminated or suspended by Cake or its Bank Partners for any reason or no reason at any time. For the avoidance of doubt, accelerated funding (i) is not intended to be, nor shall it be construed as, a loan from Cake to Operator and (ii) does not relieve Operator of any of its obligations hereunder, including but not limited to those set forth in Part C, Section 7 (Chargebacks).

B. APPLICATION AND ACCOUNT

1. Registration. Cake Payments may only be used in connection with qualified merchants doing business in the fifty states of the United States of America and the District of Columbia and for the purpose of accepting card payments for business purposes. To be eligible to use the service, Operators have to apply for a Cake Payments account ("Payments Account"). Now or in the future this Payments Account may be merged with an umbrella Cake account covering products/services other than Cake Payments, such as discovery, online ordering or point of sale software services (see Section 2 of Part A). Operator is responsible for maintaining the secrecy and security of the Cake Payments Account access credentials and for any use of or action taken through account.

   When Operator applies for a Payments Account, Cake collects information such as name, the business name, location and bank account number(s), email address, tax identification number and phone number. Operator may choose to register as an individual (sole proprietor) or as a company or other business organization. If Operator registers as a company or organization, it must also provide information about an owner or principal of the company, who is authorized to act on behalf of the company and have the authority to bind the company to this Payfac Agreement and Operator agrees to provide supplemental documentation upon request (including but not limited to: articles of incorporation and/or a business license). When agreeing to this Payfac Agreement on behalf of a company or other organization, the term "Operator" will mean the natural person, as well as the business entity.

   Operator must provide accurate and complete information. Cake reserves the right to deny Operator access to services or close a Payments Account if such information cannot be verified. Each account must be linked to a verified U.S Bank account. Once Operator submits its application, Cake or its applicable Bank Partner(s) may conclude that Operator is not permitted to use Cake Payments, in which case Cake may immediately terminate this Agreement and Operator’s account.

   Please note that American Express may use the information obtained in Operator’s Payments Account application to screen and/or monitor Operator in connection with payment card marketing and administrative purposes.

   Operator may not export Cake Payments directly or indirectly, and Operator acknowledges that Cake Payments may be subject to export restrictions imposed by U.S. law, including US Export Administration Regulations (15 C.F.R. Chapter VII).

2. Business Name. Operator must provide to Cake the name under which it does business when completing the application process. This name may appear on Buyers’ payment card statements. Operator indemnifies Cake from any costs from Buyer disputes based on Operator’s failure to provide an accurate name or business description.

3. Account. Operator funds may be co-mingled and held by the Bank Partners with other Operators’ funds in one or more pooled accounts that are established in the applicable Bank Partner’s name for the benefit of Operator and other users. The Bank Partners have sole discretion over the establishment and maintenance of any pooled account. Cake will not and cannot use Operator funds located in such pooled account for Cake’s corporate purposes, will not voluntarily make Operator funds available to its creditors in the event of bankruptcy or for any other purpose, and will not knowingly permit Cake’s creditors to attach the funds. Operator will not receive interest or any other earnings on any funds that the Bank Partner holds for Operator. As consideration for using the Cake Payments service, Operator irrevocably assigns to Cake or the Bank Partners all rights and legal interests to any interest and/or other earnings or benefits that may accrue or are attributable to the Bank Partner holding Operator funds in a pooled account.

   If the Payments Account is negative for an extended period of time (as defined by Cake in its sole discretion), the Bank Partner may close Operator’s Payments Account and Cake or Bank Partner may pursue legal action or other collection efforts.

4. Underwriting.

   4.1.       General. Cake and its Banking Partners need to ensure that the persons using a Payments Account are who they say they are and further need to understand the business risks associated with such persons. Accordingly, Operators are generally required to provide a business EIN or Tax ID, social security number, address and date of birth and Cake may ask Operator to provide additional information (such as a driver’s license (or other government issued ID), a business license, or invoices) at any time. By signing up for a Payments Account, Operator authorizes Cake to retrieve additional information about it or its principals from third parties and other identification services, including credit bureaus and other information providers. In some cases Cake may request to inspect Operator’s physical location and/or examine Operator’s financial statements and refusal to comply with such requests may result in refusal or suspension of the Payments Account. Operator further authorizes Cake to access and collect information from Operator’s website(s) at any time to determine if Operator complies with the terms of this Payfac Agreement.

   Operator information may be used by Cake (during the registration process or thereafter) to determine whether Operator is eligible to use Cake Payments and/or shared with Bank Partners, each of which may also make a determination regarding eligibility. Eligibility requirements or Operator information may change from time to time and Cake may periodically audit or re-verify Operator information (by performing third party checks or otherwise) against the prevailing eligibility requirements for a Payments Account.

   4.2.       Sharing Information. You agree that Cake and its third party providers may contact and share information and documents related to or about Operator and its principals (including information pertaining to applicable bank accounts) and Operator’s Payments Account with the Card Networks and Operator’s bank or other financial institutions.  When you set up a bank account and input banking credentials for verification on behalf of an Operator, you are granting Cake and its third party providers the right, power and authority to access and transmit your personal and financial information from your financial institution. You permit Cake to share information about you and your application (including whether you are approved or declined), and your Payments Account with your bank or other financial institution, or as otherwise specified in and subject to Cake’s Privacy Policy.

   Additionally, Cake may share some or all of the information about Operator’s transactions with its Bank Partners, the Card Networks, and Cake’s other partners (and their respective affiliates, agents, subcontractors, and employees), who may use this information to perform their obligations under their agreements with Cake, to operate and promote their respective networks, to perform analytics and create reports, to prevent fraud, and for any other lawful purpose. American Express and other Card Networks may use Operator’s name, address, and website address (URL) in any media from time to time. At any time, Cake, its Bank Partners or its other partners may conclude that Operator will not be permitted to use Cake Payments.

   Operator agrees that Cake is permitted to contact and share information about Operator and its Payments Account with banks and other financial institutions. This includes sharing information (a) about Operator transactions for regulatory or compliance purposes, (b) for use in connection with the management and maintenance of the Cake Payments service, (c) to create and update customer records about Operator and to assist them in better serving Operator, and (d) to conduct Cake’s risk management process.

5. Prohibited Businesses and Activities. Operator will only accept card payments via Cake Payments in connection with the operation of a restaurant business in the United States. Operator shall not accept payments or use the Cake Payments services in connection with the activities, items or services set forth below (as may be updated by Cake in its sole discretion from time to time as they are prohibited by Cake, its Bank Partners and/or the Card Networks). If Operator’s business advertises or sells any such items or services then it may be disqualified from using Cake Payments. Please contact support@madmobile.com if you have questions about whether these categories or activities apply to you.

• Age restricted products or services (except for card present Buyer transactions for the purchase of alcohol as permitted by law)
• Unlawful activities, illegal substances or products, or items that encourage, promote, facilitate, or instruct others regarding the same
• Delayed delivery services where the good or service the Operator is providing the Buyer is not shipped, delivered or fulfilled on or around when the card transaction is processed but is to occur at a future date
• Auto dealerships, new and used when accepting loan payments
• Crowd sourced fundraising
• Massage parlor services
• Personal enhancement products
• Any product, service or activity that is deceptive, unfair, predatory or prohibited by one or more Card Networks
• Brand or reputational damaging, potential or otherwise, activities including child pornography, escort services, occult
• Sale of products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on the copyright, trademark or trade secrets of any third party
• Cruise line services
• Cryptocurrencies
• Adult entertainment oriented products or services (in any medium, including internet, telephone, or printed material)
• Sexual Aids/Toys
• Buyer or membership clubs, including dues associated with such clubs
• Gambling activities, including lotteries, internet gaming, contests, sweepstakes, sports forecasting or odds making, or offering of prizes as an inducement to purchase goods or services
• Pharmaceuticals, Internet pharmacies
• High-risk products and services, including but not limited to telemarketing sales
• Cruise lines
• Digital wallet or prepaid sales
• Drugs or drug paraphernalia
• Online or other card not present tobacco, e-Cigarettes and “Vape” supplies and accessories
• Firearms, firearm parts or hardware, and ammunition
• Weapons and other devices designed to cause physical injury
• CBD (cannabidiol) and other hemp products, marijuana dispensary services and related products or services
• Sales for payment that resulted from another commercial entity providing goods or services to the cardholder, including those businesses that may otherwise qualify themselves as a payment facilitator
• “Negative option” marketing, renewal, or continuity subscription practices; marketing activities involving low-dollar trails, “pay only for shipping,” and/or “free trial” periods after which a credit card is charged periodically and/or a significantly larger amount
• Pawn shop services
• Prepaid phone cards or services
• Quasi-cash or stored value
• Sale of mobile minutes
• Substances designed to mimic illegal drugs
• Online Personal Computer Technical Support (not Direct Marketed in nature)
• Marketplaces (MCC 5262)
• Solar Panel Companies
• Any sub-merchant where the anticipated % of International Card Sales is expected to be greater than 20% of total sales
• Real Estate Flipping
• Software Resellers
• Telehealth/Telemedicine
• Timeshares, including resale’s and related marketing
• Tribal Entities (ie: American Indian Tribes)

In addition, Operator agrees that it must take all available steps and precautions to prevent fraud, theft, or misappropriation of cardholder data. The Operator is deemed to be responsible for the conduct of its employees, contractors, and representatives. Operator shall be responsible for the security of data (including cardholder data) in Operator’s possession or control. Operator must comply with all applicable laws, operating regulations, and rules in relation to collection, security and dissemination of personal, financial or transaction information. If the Operator handles, transmits or stores any cardholder data, Operator shall ensure compliance with the Payment Card Industry Data Security Standards. Operator shall certify compliance with the foregoing and submit documentation in accordance with the Operating Regulations when requested by Cake.

Operator agrees that the prohibited actions described below are actions which may mislead, disadvantage, defraud or damage any, or all of, the following entities; (a) a cardholding Buyer; (b) the issuing bank; (c) the settlement bank; (d) the Card Networks (e) Bank Partner(s), (f) Cake and will make commercially reasonable efforts to ensure it does not:

• Use any cardholder data or other transaction data received from Cake for any purpose not authorized by this Payfac Agreement.
• Disclose any cardholder data or other transaction data to any entity except for necessary disclosures to affected cardholders, and through Cake to affected Card Networks.
• Knowingly provide to Cake any inaccurate, incomplete, or misleading information.
• Fail to provide Cake with timely notification of events that have caused or could cause material changes in the Operator’s ability to fulfill its obligations under this Payfac Agreement, including but not limited to (a) adverse changes in the Operator’s financial health; (b) adverse changes in the Operator’s business conditions or environment; or (c) actions by governmental or non-governmental agencies.
• Send or receive funds for something that may have resulted from fraud or other illegal behavior.
• Transfer or attempt to transfer its financial liability by asking or requiring cardholders to waive their dispute rights.
• Transfer funds between bank accounts held in the same name.
• Act as a payment intermediary or aggregator or otherwise resell our services on behalf of any third party.

Operator will use Cake Payments services only for its management and operation of its own business, and not for any business, services or offerings of third-parties. Operator will not use Cake Payments to act as a payment intermediary or aggregator on behalf of any third-party or otherwise use Cake  Payments to handle, process or transmit funds for any third party. Operator is prohibited from using Cake Payments to process cash advances.

If Cake or its Banking Partners determine that a transaction is related to or Operator has received funds resulting from a restricted or prohibited business or activity or that the transaction is the result of fraudulent activity, the transaction may be reversed or the funds frozen, returned to Buyer or seized at any time. In addition, if Cake reasonably suspects that Operator’s Payments Account has been used for an unauthorized, illegal, or criminal purpose, Operator gives Cake, Network and Bank Partners express authorization to share information about Operator, the Payments Account, Operator’s access to the Cake Payments services, and any of Operator’s transactions with law enforcement.

C. Card Transactions and Funds

1. Card Acceptance. When accepting or declining any card presented for payment by Buyers and completing any card transaction, Operator shall follow all procedures and rules in this Payment Agreement, the Card Network Rules (defined below), and any applicable Bank Partner rules (“Bank Rules”) or operating guides provided to Operator from time to time. Operator shall honor all eligible cards when presented in accordance with the Card Network Rules and the Bank Rules for the purchase of goods or services or in processing a request for credit resulting from such a transaction, by an authorized holder of a card. Operator will obtain an authorization from the Card Network(s) for each accepted card transaction, as required under the Card Network Rules, and will not submit a card transaction for settlement where there is a negative authorization or the card is expired.

   In addition, Operator will not submit any card transaction:

   • That adds any surcharge to the transaction, except to the extent authorized by the Card Network Rules (defined below) or applicable law.
   • That adds any tax to the transaction, unless applicable law expressly allows for Operator to impose a tax. Any tax amount, if allowed, must be included in the transaction amount and not collected separately.
   • That represents the refinancing or transfer of an existing Buyer obligation that is deemed to be uncollectible or arises from the dishonor of a Buyer’s personal check or from the acceptance of a card at a terminal that dispenses scrip (a form of credit).
   • That is not a valid transaction between the Operator and a bona fide Buyer cardholder.
   • That Operator knows or should have known to be (i) not authorized by the Buyer, or (ii) authorized by a Buyer colluding with the Operator for a fraudulent purpose.
   • Until after the products are shipped or the services are performed, and/or the Operator has completed the transaction, unless the Operator has obtained Buyer consent for a recurring transaction.
   • Where a valid authorization was required but not obtained.
   • Where multiple authorizations for amounts less than the total sale amount have been obtained.
   • Which results in a disbursement of cash or cash equivalent to a Buyer.
   • That establishes a maximum dollar sale transaction amount, except to the extent authorized by the Card Network Rules.

2. Card Marks. Operator will provide a receipt to the Buyer at the conclusion of the purchase transaction that includes all information required under Card Network Rules and applicable law. Operator will use and display all Card Network marks in compliance with the Card Network Rules and any such use and display rights will terminate effective with the termination of the Payfac Agreement.

3. Transaction Processing. Unless otherwise agreed to in writing by Cake, Operator shall electronically deliver to Cake and in a format acceptable to Cake all sales transaction records within two (2) business days after the transaction date (or such shorter period as determined by the applicable Card Network), except (a) in the case of a permitted delayed merchandise delivery, when the sales transaction record shall be delivered within two (2) business days of the merchandise delivery or (b) as specified otherwise in Bank Rules. Operator agrees that in ordinary course it shall deliver sales transaction records to Cake at least every business day. The preparation and delivery to Cake of sales transactions shall constitute an endorsement to Cake by Operator of each sales transaction, and Operator authorizes Cake or its representative to place Operator’s endorsement on any sales transaction at any time. The Bank Partners may refuse to authorize any sales transaction that is reasonably likely to result in a Chargeback. The parties acknowledge and agree that neither party is responsible for any action or inaction taken by the financial institution or other entity that issued the card(s) to the Buyers or the processor of such card(s) to the extent the respective party is not the direct cause of such action or inaction.

4. Exception Items. Operator agrees to reacquire and pay Cake the amount of any sales transaction, and Cake shall have the right at any time to charge Operator with notice in accordance with Cake’s standard operating procedure, for any return, Chargeback, compliance case, any other Card Network action, or if the sales transaction performed was in violation of law or the rules or regulations of any governmental agency, federal, state, local or otherwise; or if Cake has not received payment for any sales transaction, notwithstanding Cake’s prior payment to Operator for such sales transaction. Not limiting the generality of the foregoing, Operator agrees that any operational services performed on behalf of Operator by Cake, including but not limited to, response to compliance cases or transaction stand-in shall in no way affect Operator’s obligations and liability in this Payfac Agreement. Operator may instruct Cake in the defense of Chargebacks, compliance cases and similar actions, and Operator agrees that it will promptly provide any such instructions to Cake. When Cake has determined it has all necessary information and instructions, Operator hereby authorizes Cake to resolve Chargebacks and respond to retrieval requests and other inquiries without further consulting Operator.

5. Refunds and Returns Provided by Operator. Operator agrees to provide refunds and adjustments for returns of its goods and services through Cake Payments to the Buyer’s card in accordance with the terms of this Payfac Agreement and Card Network Rules. Card Network Rules require that Operator (a) maintain a fair return, cancellation or adjustment policy; (b) disclose its return or cancellation policy to Buyers at the time of purchase, (c) not accept cash or any other item of value for preparing a card sale refund (unless required by law) and (d) not give cash refunds to Buyers for a card sale. Operator agrees to not submit any refund transaction through Cake Payments:

   • That does not correlate to an original transaction.
   • That exceeds the amount shown as the total on the original transaction (including tax, handling charges, etc.), unless the excess represents the amount equal to the reimbursement to Buyer for postage paid to return merchandise in accordance with a policy applied consistently by the Operator to all its customers.
   • For returned products that were acquired in a cash purchase from the Operator (unless required by law); or
   • That would cause an overdraft.

   Operator refund policies must be the same for all payment methods. Refunds must be submitted within thirty (30) days of the original transaction but in all cases, within three (3) business days following either a regulatory requirement granting a cardholding Buyer’s right to a refund or a non-disputed Buyer request.

   In processing a refund to a Buyer’s card the Bank Partners will deduct the refund amount either from the payout of settlement funds owed to Operator or funds in any Reserve. If such funds are not sufficient to satisfy the refund amount, the Bank Partners will initiate an ACH debit entry to the Bank Account in the amount that completes the refund. In the event Bank Partners cannot access Operator’s Bank Account by means of ACH debit entry, Operator shall pay all funds owed upon demand.

   For the avoidance of doubt, Operator shall be solely responsible for accepting and coordinating returns of Operator’s goods and services and Cake has no responsibility or obligation with respect to such goods and services or the return logistics of the same.

6. Review of Settlement Activity and Reports; Reconciliation. Operator agrees that it shall exert diligence to review all material reports, notices, and invoices prepared by Cake or its agent and made available to Operator, including but not limited to reports on Transactions and settlement history, notices, and invoices provided via the online reporting tools of Cake or its Bank Partners. Operator should make archival copies of its Payments Account data regularly. Except as required by law, Operator is solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with its sales transaction and settlement history and use of Cake Payments and (b) reconciling all transaction information that is associated with its Payments Account. Operator agrees to notify Cake of any discrepancies arising from reconciliation and verification of its records with those that may be provided by Cake. Operator expressly agrees that Operator’s failure to (c) notify Cake that Operator has not received settlement funds within 10 days from the date that settlement was due to occur (i.e., settlement is not occurring in any form), or (d) notify Cake of an error or discrepancy in transaction history or report, notice, or invoice within 90 days from the date the report or invoice is first made available to Operator, will be deemed a waiver of any rights to amounts owed in connection with any such error in card payment processing or to reject such report or invoice. In the event Operator believes that Cake has failed in any way to provide the Cake Payments service, Operator agrees to provide Cake with written notice, specifically detailing any alleged failure, within 30 days of the date on which the alleged failure occurred. TO THE EXTENT PERMITTED BY APPLICABLE LAW CAKE AND THE BANK PARTNERS SHALL NOT BE LIABLE OR OTHERWISE RESPONSIBLE TO YOU, AND SHALL HAVE NO OBLIGATION TO REIMBURSE YOU, FOR ANY UNDERPAYMENT TO YOU OR OTHER DISCREPANCY THAT IS NOT REPORTED TO CAKE OR BANK PARTNERS IN WRITING WITHIN 90 DAYS OF YOUR RECEIPT OF THE APPLICABLE STATEMENT.

   Operator will be liable for, defend, hold harmless, and will indemnify Cake and its affiliates from and against all claims, losses, liabilities, damages, fines, fees, assessments, expenses (including attorneys’ and collection fees and expenses) and other costs resulting from (e) inaccuracies in the Operator’s bank account information provided to Cake, (f) any instructions from Operator regarding the release or holding of Operator’s settlement funds, and/or (g) any breach by Operator of its obligations under any Operator funding program or any misrepresentation by Operator.

   Operator will be assessed fees for each Operator funding failure (i.e. attempt to credit or debit the Bank Account fails for any reason) and/or for each notification of change received in connection with an ACH attempt.

   Operator shall also provide Cake in the event Cake is not otherwise notified, with prompt notice as to any reports or communications from the Card Networks relative to the actual or threatened assessment of any, fines, and penalties to be charged by a Card Network.

   Operator further agrees that it will take all steps necessary to assist Cake in complying with Cake’s obligations arising under the Card Network Rules and applicable laws related to the settlement of transactions, including but not limited to filing of quarterly or other reports required under the Card Network Rules and the payment of assessments, chargebacks and fees in connection with transactions processed under this Payfac Agreement.

   Except as required by law, Operator is solely responsible for compiling and retaining permanent records of all transactions and other data associated with the Payments Account, Operator’s transaction history and use of the Cake Payments service.

7. Chargebacks. The amount of a transaction may be reversed (charged back) to Operator if the transaction (a) does not comply with Card Network Rules, Bank Partner rules, or the terms of this Payfac Agreement, (b) is disputed by a Buyer, (c) is reversed for any reason by the Card Networks, our Bank Partner(s), or a Buyer or Buyer’s financial institution, (d) was not authorized or improperly authorized or there is reason to believe that the transaction was not authorized (due to, for example, error), or (e) is allegedly unlawful (a “Chargeback”).

   Operator is immediately liable to and shall pay Cake for the full amount of payment of any Chargeback (i.e., face amount of the card transaction) plus any associated Fees, fines, expenses or penalties (including those assessed by Bank Partners or the Card Networks) regardless of the reason for, or timing of, the Chargeback. Operator hereby authorizes Bank Partners to debit without notice Chargebacks and related handling fees from Operator’s daily collected transactions, and if such collections are inadequate to reimburse Cake, to deduct such amounts by ACH debit or other means from the Bank Account or Reserve. If Cake is unable to recover funds related to a Chargeback for which Operator is liable, Operator agrees to pay Cake the full amount of the Chargeback immediately upon demand. Operator shall pay all costs and expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of Cake in connection with the collection of any unpaid Chargebacks. Operator’s obligations with respect to Chargebacks shall survive any termination of this Payfac Agreement.

   If Cake reasonably believes that a Chargeback is likely with respect to any transaction, the Bank Partners may withhold the amount of the potential Chargeback from payments otherwise due to Operator under this Payfac Agreement until such time that: (f) a Chargeback is assessed due to a Buyer’s complaint, in which case Cake will retain the funds; (g) the period of time under applicable law or regulation by which the Buyer may dispute that the transaction has expired; or (h) Cake determines that a Chargeback on the transaction will not occur.

   Operator agrees to assist Cake when requested, at Operator’s expense, to investigate any of Operator’s transactions processed through the Cake Payments service. Failure to respond to Chargeback notices in accordance with Card Network Rules and this Agreement shall constitute a waiver by Operator of its right to question or reverse a Chargeback. Operator shall provide the necessary information to investigate or help resolve any Chargeback. Cake does not assume any liability for any assistance to Operator in contesting Chargebacks. Operator grants Cake permission to share records or other information required with third parties, such as the cardholding Buyer and financial institutions, in order to investigate and/or mediate a Chargeback. If the Chargeback is contested successfully, Bank Partner will release the reserved funds to Operator. If the Buyer’s issuing bank or the Card Network does not resolve a dispute in Operator’s favor or you choose not to contest the Chargeback, the Chargeback amount and any associated fees may be recovered from Operator. Operator acknowledges that its failure to assist Cake in a timely manner when investigating a transaction may result in an irreversible Chargeback. Cake reserves the right, upon notice to Operator, to charge a fee for mediating and/or investigating Chargeback disputes.

   At any point, Cake, Cake’s Bank Partners or the Card Networks, may determine that Operator is incurring excessive Chargebacks. The Card Networks impose fines or impose restrictions on Operator in the event it experiences excessive Chargebacks as described in the Card Network Rules. Excessive Chargebacks may also result in restrictions to the use of Cake Payments, including without limitation, (i) changes to the terms of the Reserve, (j) increases to applicable Fees, (k) delays in the payout of settlement funds, or (l) possible suspension of Operator’s Payments Account and Cake Payments service. Operator shall reimburse and indemnify Cake for any fines imposed by the Card Networks as a result of excessive Chargebacks.

8. Supported Cards and Limited Acceptance. Cake Payments supports most U.S. issued credit cards that have a Visa, MasterCard, Discover or American Express logo. However, the types of payment cards supported may change from time to time without prior notice. Operator is solely responsible for properly verifying the identity of a user of a presented payment card. Operator may elect by providing notice to Cake to be a “Limited Acceptance Provider,” which means that Operator has elected to accept only certain VISA/MasterCard card types. As a Limited Acceptance Provider, Operator will be solely responsible for the implementation of its decision for limited acceptance. Operator will be solely responsible for policing, at the point of sale, the card type(s) of transactions it submits for processing. Should Operator submit a transaction for processing for a card type it has indicated it does not wish to accept, Cake may process that transaction and Operator will pay the applicable fees, charges, and assessments associated with that transaction. To the extent Cake Payments now or in the future supports payments via Apple Pay in the U.S., any Apple terms and conditions governing use of the Apple Pay platform, including Apple marketing guidelines, apply.

D. Operator Obligations

1. Rules; Laws. The Card Networks have established operating rules, regulations, guidelines, by-laws, and policy statements, including but not limited to the Payment Card Industry Data Security Standard, the VISA Cardholder Information Security Program, the MasterCard Site Data Protection Program, and any other program or requirement that may be published and/or mandated by the Card Networks or payment networks, that are applicable to financial institutions and merchants (the “Card Network Rules”). Each applicable Card Network’s complete Card Network Rules are incorporated by reference into this Payfac Agreement and will control with respect to any conflict in terms between this Payfac Agreement and such Card Network Rules. Notwithstanding Cake’s assistance in understanding the Card Network Rules, Operator expressly acknowledge and agree that Operator will comply with and is assuming the risk of compliance with all provisions of the Card Network Rules, regardless of whether Operator has possession of those provisions. Operators will not discriminate against payment cards or card issuers (e.g., limited acceptance options) except in full compliance with the Card Network Rules and Operator expressly agrees that it will accept cards and protect, utilize, or restrict transaction data, including the magnetic stripe and CVV2, in accordance with the terms of this Payfac Agreement, applicable law or regulation, and the Card Network Rules, and will cooperate with any audit requested by a Card Network until such audit is completed. Operator ****shall only submit transactions for the sale of its own goods or services, and not any other person or company, and may not receive payment on behalf of or, unless authorized by law, redirect payments to any other party. The Card Networks make excerpts of their respective Card Network Rules available on their websites (including usa.visa.com, www.mastercard.com, www.americanexpress.com and http://www.discover.com/). Exhibit B to this Payfac Agreement sets forth certain specific requirements of the American Express Merchant Regulations, US. The Card Networks reserve the right to amend the Card Network Rules. Cake reserves the right to amend the Payfac Agreement at any time as necessary to comply with Card Network Rules or otherwise address changes in Cake Payments.

   In addition, Operators are required to comply with all other applicable rules, regulations and requirements of payment processor and banking partners, banks, institutions, organizations, associations, or networks which govern or affect any services provided under this Payfac Agreement, and all state and federal laws, rules and regulations which govern or otherwise affect the activities of Operator, including, but not limited to, those of the National Automated Clearing House Association (which include requirements for record keeping and proper authorization for transmission of entries), and the Federal Trade Commission (“FTC”), as any or all of the foregoing may be amended and in effect from time to time.

   Operator acknowledges receipt and review of the Bank Rules, which are incorporated into this Payfac Agreement by reference as Exhibit C. Operator agrees to fully comply with all of the terms and obligations in the then current Bank Rules, as changed or updated by Cake’s Bank Partners from time to time, at Bank Partner’s sole reasonable discretion with notice in accordance with Bank Partner’s standard operating procedures.

   Operator further agrees that it will fully comply with any and all confidentiality and security requirements of the USA Patriot Act (or similar law, rule or regulation) and the Card Network Rules.

2. Merchant Suppliers. From time to time Operator may use one or more third party entities other than Cake, including but not limited to, Operator’s software providers, equipment providers, and/or third party processors (“Merchant Supplier”) in connection with its use of the Cake Payments services and/or the processing of some or all of its card transactions. To the extent applicable to the service type provided by the Merchant Supplier, Operator shall make commercially reasonable best efforts to cause any Merchant Supplier to complete any steps or certifications required by any Card Network with respect to registrations, PA-DSS, PCI, audits, etc. Operator shall cause its Merchant Supplier to cooperate with Cake in completing any such steps or certifications (if applicable), and in performing any necessary due diligence on such Merchant Supplier. Operator shall be solely responsible for any and all applicable fees, costs, expenses and liabilities associated with such steps, registrations, and certifications. Operator shall bear all risk and responsibility for conducting Operator’s own due diligence regarding the fitness of any Merchant Supplier(s) for a particular purpose and for determining the extent of such Merchant Supplier’s compliance with the Bank Rules, the Card Network Rules, and applicable law. Cake shall not in any event be liable to Operator or any third party for any actions or inactions of any Merchant Supplier used by Operator, even if Cake introduced and/or recommended the use of such Merchant Supplier to Operator, or never objected to the use of such Merchant Supplier, and Operator hereby assumes all such liability; except to the extent that the acts or omissions giving rise to such liability were directly caused by Cake’s negligence or willful misconduct.

3. Cardholder Information. Operator shall not disclose, sell, purchase, provide, or exchange Buyer cardholder name, address, account number or other information to any third party (a “Disclosure”) to the extent such Disclosure (or related act) is prohibited by the Card Network Rules or applicable law other than to Cake for the purpose of completing a sales transaction. Operator represents and warrants that neither it, nor its Merchant Suppliers shall retain or store any portion of the magnetic-stripe data subsequent to the authorization of a sales transaction, nor any other data to the extent such retention (or related act) is prohibited by the Card Network Rules, applicable law and/or the Payfac Agreement.

4. Third Party Assessments. Notwithstanding any other provision of this Payfac Agreement, Operator shall be responsible for all amounts directly imposed or assessed to (a) Operator in connection with this Payfac Agreement by third parties (“Third Party Assessors”) directly arising from an act or omission of Operator to the extent such act or omission was not a result of the negligence or intentional misconduct of Cake and (b) Cake by Third Party Assessors to the extent such amounts arise from the performance of activities that are reasonably necessary under this Payfac Agreement and the payment of which can reasonably be construed as Operator’s responsibility under this Payfac Agreement in light of its purposes. Third Party Assessors include, but are not limited to, the Card Networks and Merchant Suppliers (including telecommunication companies). Such amounts include, but are not limited to, fees, fines, assessments, penalties, loss allocations, etc. Cake shall make commercially reasonable best efforts to provide Operator with prior written notice when material third party assessment amounts not identified in this Payfac Agreement are reasonably likely to be first imposed on Cake. Any changes or increases in such amounts shall automatically become effective upon notice to Operator in accordance with Cake’s standard operating procedure and in the absence of a good faith dispute shall be payable by Operator within a reasonable amount of time after assessed by Cake. In the event of a Float Event ( as defined below), Cake reserves the right to assess to Operator, and Operator shall pay to Cake, a reasonable cost of funds associated with the Float Event (which Cake may at its option assess as a transaction surcharge to the extent the cost of funds are not disputed in good faith) (the “Float Fees”), the amount of which shall be determined by Cake in its reasonable discretion, and which may be changed by Cake from time to time, and such Float Fees shall be effective as of the start of the Float Event and in the absence of a good faith dispute shall be immediately payable by Operator within a reasonable amount of time after assessed by Cake. The parties agree that the Float Fees may vary from time to time but is intended to approximate amount of additional costs incurred by Cake to facilitate the Float Event. So long as Cake has actually received notice from the applicable Card Network(s) or Merchant Supplier(s) with respect to fee increases, Cake will use reasonable efforts to provide Operator with notice within a reasonable time and will use reasonable efforts to provide such notice in advance of the increase in fees in accordance with Cake’s then current standard operating procedures.

   “Float Event” shall mean a circumstance where Cake or the Bank Partners advance settlement or any amounts and/or delays the assessment of any fees to Operator (a) due to a request from Operator or (b) as is commercially necessary in order to deliver the Cake Payments service.

5. Exclusivity. Cake reserves the right to enter into other agreements pertaining to the Cake Payments services with others including without limitation other Operators. During the term of this Payfac Agreement, the parties agree that Operator will exclusively use Cake Payments to receive card payments from its Buyers and not use the services or solutions of any bank, corporation, entity, or person other than Cake and the Bank Partners under this Payfac Agreement in order to be provided services similar to those contemplated in this Payfac Agreement. This exclusivity provision will not apply in any event where Cake terminates this Payfac Agreement or if Cake is unable or unwilling to provide services (in materially significant form) required by Operators.

6. Taxes and Reporting. Operator is solely responsible for determining any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection with its goods and services and/or the payments received from Buyers in connection with use of the Cake Payments service ("Transaction Taxes"). It is Operator’s sole responsibility to (a) appropriately apply the correct tax rates to determine what, if any, Transaction Taxes apply to payments Operator makes or receives and comply with federal, state and local tax record-keeping requirements. Further, it is Operator’s sole responsibility to collect, report and remit the correct Transaction Taxes to the appropriate tax authority.

7. Payment Card Data Security. Operator shall comply with all applicable state and federal laws and rules as well as standards, guidelines, practices or procedures adopted, recommended or required by the applicable Card Networks with respect to data security or protection of cardholder data, including, without limitation, Payment Card Industry (“PCI”) Data Security Standards (“PCI-DSS”), PIN Entry Device Standards, Visa’s Cardholder Information Security Program, Discover’s Information Security & Compliance Program, American Express’s Data Security Operating Policy, MasterCard’s Site Data Protection Program, Visa’s Payment Application Best Practices and Payment Application-Security Standards (“PA-DSS”). Operator shall have appropriate security procedures in place to accept cardholder data and provide Cake with evidence of compliance with PCI DSS and/or PA DSS upon reasonable request. Operator must not store CVV2 data at any time. Information on PCI-DSS can be found on the PCI Council's website.

   Operator is fully responsible for the security of data (including but not limited to cardholder data) in its possession or control. Operator agrees to comply with all applicable laws and Card Network Rules in connection with the collection, security and dissemination of any personal, financial, or transaction information. Unless Operator receives the express consent of its Buyer, it may not retain, track, monitor, store, disclose or otherwise use data (e.g. to send any marketing or promotional materials to Buyer) except for the transaction for which it was given and any post-transaction activities in connection with such immediate transaction (e.g. chargeback). Operator shall be responsible for the actions of its employees and agents, and it will immediately report all instances of a data breach to Cake immediately after it reasonably identifies an incident.

   Cake adheres to PCI DSS. Cake agrees that it shall comply with the applicable PCI DSS requirements, as such may be amended from time to time, with respect to all cardholder data received by it in connection with this Agreement.  Cake acknowledges that it is responsible for the security of cardholder data it possesses or otherwise stores, processes or transmits on behalf of the Operator.

8. e-Commerce. If Operator is using Cake Payments in connection with an electronic commerce website, such website must prominently display (a) the name of the Operator (including the name that will appear on the cardholder statement), (b) a customer service contact for Operator, including email address or telephone number and (c) the address, including the country, of Operator’s permanent establishment either on the same screen view as the checkout screen used to present the final transaction amount or within the sequence of web pages the Buyer cardholder accesses during the checkout process.

   E. Other Legal Terms

   1. Cake IP and Data Rights. Operator agrees that the Cake Payments and any materials and data associated therewith is the sole property of Cake and its parent and subsidiary affiliates and business partners and includes valuable trade secrets of Cake. Operator agrees to treat the Cake Payments service and related data as confidential and will not without the express written consent of Cake: (a) distribute or market the Cake Payments and any associated data to any third party; (b) disclose information relating to the performance or quality of the Cake Payments to any third party (except as permitted by law); or (c) disassemble, decompile, or reverse engineer any portion of the Cake Payments. Any information that constitutes a trade secret under applicable law shall be kept confidential for so long as such information continues to qualify as a trade secret.

   2. Operator Data Rights. Operator hereby grants to Cake a non-exclusive, royalty-free, fully paid up, and worldwide license to use, copy, modify (including the right to create derivative works of), display and disclose Operator Data in connection with the Cake Payments services, for internal business purposes, as required in response to judicial or other governmental requests, subpoenas, warrants, and court orders, requests of the Card Networks, or as otherwise required by applicable law, and as otherwise set forth in this Payfac Agreement (such as Part B, Section 4 (Underwriting)) and Cake’s . The foregoing grant includes the right for Cake to share Operator Data with third parties in connection with the marketing and provision of the Cake Payments services as well as third party services used by or that may be of interest to Operator. Operator is solely responsible for the accuracy, quality, content and legality of Operator Data, the means by which Operator Data is acquired, and any transfer and use of Operator Data outside of the Cake Payments services by Operator or any third party authorized by Operator. Operator represents, warrants and covenants that it has all rights necessary to upload the Operator Data to the Cake Payments services and to otherwise have such Operator Data used or shared, as applicable, by Cake in relation to the Cake Payments services. Operator will not upload or store any data or materials containing any such information in violation of this section. Notwithstanding the foregoing Operator Data that is anonymized in a de-identified format (by aggregation or other means) (“Anonymized Data”) may be used, compiled, disclosed, distributed and published by Cake for any purpose in any manner in its discretion provided that such Anonymized Data does not directly identify Operator’s expressly identified confidential information and does not otherwise qualify as Personal Information under applicable Privacy Laws. “Personal Information” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal data” under applicable data privacy laws, rules, or regulations. “Operator Data” means any data, images, text, emails, or other information submitted by Operator and/or collected by Cake in the course of Operator’s use of the Cake Payments services, including without limitation Operator’s name, address, contact information, ownership or employee information, products, loyalty program information, logos, promotional information, advertisements, transaction details and other information or material submitted by Operator to Cake through the Cake Payments services, excluding Buyer Data.

   3. Buyer Data. In Cake’s performance of the services both Cake and Operator may receive, use and store information about Buyers such as names, mailing addresses, email addresses, phone numbers, payment card numbers and other financial account-related information, and purchasing preferences (all that data, “Buyer Data”). Operator will keep will use such data solely for the purposes of (a) fulfilling the applicable Buyer’s transaction or experience; (b) complying with Operator’s obligations in the Payfac Agreement; or (c) complying with applicable law. Operator will not share or use any Buyer Data for marketing, advertising, or other commercial purposes without the express consent of the Buyer or other third party to which that Buyer Data relates. NOTWITHSTANDING THE CAPABILITY OF THE SERVICES TO COLLECT AND STORE BUYER DATA AND IN SOME CASES TO ALLOW BUYERS TO ELECT TO RECEIVE MARKETING MATERIALS FROM OPERATOR OR ENABLE OPERATOR TO SEND MARKETING MATERIALS TO BUYERS, APPLICABLE LAWS AND OPERATING RULES MAY LIMIT (i) THE USE OF THAT INFORMATION ONCE COLLECTED, EVEN IF BUYER HAS PROVIDED CONSENT, AND (ii) DISCLOSURE OF THAT INFORMATION TO THIRD PARTIES.

   4. Waivers. If a party provides permission to the other to obtain or disclose information in connection with this Payfac Agreement such party releases and waives any right or claim arising out of or related to such disclosure, including defamation claims, even if the information that is disclosed is incorrect or incomplete. Operator acknowledges that its business name and the name of its principals may be reported to MATCH and hereby consents to such reporting, and waives and holds Cake and its affiliates harmless from all claims and liabilities it may have as a result of such reporting.

   5. Term and Termination.

      5.1.       Term. This Payfac Agreement commences and shall be binding as of the date Operator executes this Payfac Agreement, including execution by manual signature, electronic signature, or by similar click-through such as by clicking “I agree”. The Payfac Agreement shall continue in effect for the term identified on the Order Form beginning as of the date any of the POS Software Services is first activated (the “Payments Term”) unless earlier terminated pursuant to this Section and unless otherwise noted on the applicable Order Form shall automatically renew on the same terms as the POS Software Services thereafter. Subject to Cake’s right to change Fees herein, renewal of any Cake Payments will be at Fees equal to the higher of (d) the Fees in effect immediately prior to the renewal and (e) Cake’s then-current pricing for Cake Payments (or its reasonable equivalent if the service as originally contracted is no longer available) as applicable to similarly situated Operators at the time of the renewal, unless the parties otherwise agree in writing at the time of renewal.

      5.2.       Termination**.** Cake may terminate this Payfac Agreement or suspend or close your Payments Account for any reason or no reason at any time upon notice and to the extent permitted by applicable law and the Bank Partners**.** Without limiting the generality of the foregoing Cake may terminate or suspend Operator’s access to Cake Payments in full or in part and instruct Banking Partners to suspend Operator’s access to the Payments Account (including the funds associated with its account) if Cake is prohibited by applicable law, its Bank Partners or the Card Networks from conducting business with Operator or its principals or if Operator (a) violates the Card Network Rules or the terms of this Payfac Agreement, any other agreement it has with Cake, or Cake’s policies (including without limitation any failure to pay fees when due), (b) poses a credit or fraud or other material risk to Cake, or (c) provides any false or misleading information or otherwise engages in illegal conduct. Operator understands that Cake’s Bank Partners have a right to immediately terminate an Operator or Cake for good cause or fraudulent or other activity or upon Card Network request and Cake is obligated to suspend or terminate services and terminate Operator’s Payments Account in such event.

      Operator may terminate this Payfac Agreement and close its Payments Account prior to the end of the Payments Term in the event that (d) Cake or its Bank Partners materially breaches any of the provisions of the Payfac Agreement and fails to cure such breach within 30 days of receipt of written notice from you specifying such material breach or (e) there is a Fees Change or Agreement Change subject to the terms of this Payfac Agreement.

      5.3.       Termination Prior to End of Payments Term. If, prior to the end of the applicable Payments Term, Operator (a) opts to terminate the Payfac Agreement without cause, (b) cancels or stops processing with Cake Payments prior the end of the Payments Term at any applicable Operator locations (as required by Part D, Section 5 above (Exclusivity)), or (c) sells all or substantially all of its business’ assets and this Payfac Agreement is not assigned to and assumed by the acquirer of such assets (collectively, an “Early Termination”), then Operator shall pay to Cake, as an early termination fee for the affected location, an amount equal to the average monthly fees assessed to Operator under the Payfac Agreement (exclusive of interchange fees and other fees or assessments imposed by a third party in connection with the payment processing (as determined by Cake in its reasonable discretion)) for the most recent three months during which Operator actively processed transactions multiplied by 0.75 and then multiplied by the number of months remaining on the Payments Term, as determined on a per location basis and subject to any limitation or cap imposed by applicable laws (which may depend on the jurisdiction of the applicable location(s)) or the Card Network Rules. Such termination fee may be off set against amounts otherwise due to Operator hereunder or may be deducted (by ACH debit or other electronic means) by Bank Partners from Operator’s Bank Account or any established Reserve fund.  The amount actually charged by Cake will include additional sales tax amounts if applicable. An Early Termination shall not be deemed to waive (i) the Bank Partner’s or Cake’s rights to payment of any Fees, Chargebacks, or other amounts payable hereunder that pertain to the period during which the Bank Partners processed or settled transactions for Operator under this Agreement, (ii) Operator’s liability for expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of Cake in connection with the collection of amounts due hereunder (including Early Termination fees) or (iii) either party’s rights and obligations under the Payfac Agreement to the extent Operator continues to process Buyer transactions through Cake and the Bank Partners at Operator locations not subject to termination. Payment of an Early Termination fee hereunder does not relieve Operator of any obligations (such as fees obligations) it may have under third party agreements or any agreement for Other Cake Services (see Part A, Section 2) except as expressly stated to the contrary herein or in such agreement.

      5.4        Effect of Termination. Upon any termination of this Payfac Agreement, Operator agrees: (a) to continue to be bound by this Agreement, (b) that the license(s) provided under this Payfac Agreement to use the Cake Payments services shall end, (c) that Cake reserves the right (but have no obligation) to delete all of Operator information and Payments Account data stored on our servers, and (d) that Cake shall not be liable to Operator or any third party for termination of access to the Cake Payments service, deletion of Operator information or Payments Account data, or export of Operator’s information or Payments Account data.

      When Operator closes its Payments Account, any pending transactions will be cancelled. Further, any funds that the Bank Partners hold in custody for Operator at the time of closure, less any applicable Fees, refunds, and other liabilities owed (or that Bank Partners reasonably anticipate may become due after the termination date), will be paid out to Operator, assuming all payout-related authentication requirements have been fulfilled (for example, Operator may not close the Payments Account as a means of evading the payout schedule). Further, the Bank Partners may establish or continue to hold in any Reserve up to the reasonably estimated aggregate dollar amount of Chargebacks and other obligations and liabilities that the Bank Partners or Cake anticipate may become due subsequent to termination and any excess shall be refunded to you.  If Operator is later determined to be entitled to some or all of the funds at issue, the Bank Partners will release those funds.

      Cake will not be liable to Operator for compensation, reimbursement, or damages in connection with any termination or suspension of Cake Payments service. Notwithstanding Part E, Section 5 or any other provision of this Agreement, any termination of this Payfac Agreement does not relieve Operator of any obligations, warranties, and liabilities pertaining to the period during which the Bank Partners processed or settled transactions for Operator under this Agreement, including all indemnification obligations and obligations to pay any Fees, Chargebacks or costs accrued in the course of receiving the Cake Payments.

      Any provision that is reasonably necessary to accomplish or enforce the purpose of this Payfac Agreement shall survive and remain in effect in accordance with its terms upon the termination of this Payfac Agreement. Without limiting the generality of the foregoing, you shall be liable both before and after termination of the Payfac Agreement, as applicable, for all Chargebacks and other amounts payable pursuant thereto relating to card transactions processed or settled, or services performed by Bank Partners or Cake for you, prior to such termination and for all of your obligations, warranties, and liabilities pertaining to the period during which Bank Partners or Cake performed services for you under this Agreement .

      The termination of this Payfac Agreement does not relieve Operator of any obligations it may have under third party agreements or an agreement for Other Cake Services (see Part A, Section 2) except as expressly stated to the contrary herein or in such agreement.

   6. Intellectual Property Ownership. Cake grants Operator a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use the Cake Payments service solely to accept and receive payments and to manage the funds Operator so receive. Operator will be entitled to download updates to the Cake Payments service, subject to any additional terms made known to Operator at that time, when Cake makes these updates available.

      The intellectual property that inheres in the Cake Payments is licensed and not sold. The Cake Payments is protected by copyright, trade secret and other intellectual property laws. Subject to the intellectual property rights of Cake’s business partners, Cake owns the title, copyright, marks and other Intellectual Property (as defined below) in the Cake Payments and all copies of the Cake Payments. Operator does not obtain any right, title or interest in such Intellectual Property, including any rights to trademarks or service marks of Cake or its business partners. “Intellectual Property” means all present and future worldwide copyrights, trademarks, trade secrets, patents, patent rights, moral rights, rights in databases and other proprietary rights of any nature, and all applicable applications and registrations, renewals and extensions thereof, under the laws of any jurisdiction. Any idea or suggestion submitted by Operator to improve the Cake Payments is gratuitous may be used by Cake in any manner commercial or otherwise and modified or otherwise without notice, compensation or attribution to Operator or any other person and shall not be subject to any obligation of confidentiality.

   7. Liability. Operator is responsible for all Chargebacks, Claims, fines, fees, penalties and other liability arising out of or relating to Operator’s violation of this Payfac Agreement, and/or use of the Cake Payments service. “Claim” means a challenge to a payment that Operator or a Buyer files directly with Cake. Cake shall have the final decision-making authority with respect to Claims, including without limitation claims for refunds for purchased items that are filed with Cake by Operator or its Buyers. Operator will be required to reimburse Cake for its liability. Operator’s liability will include the full purchase price of the item plus the original shipping cost.

      Without limiting the foregoing, Operator agrees to defend, indemnify and hold harmless Cake and its indirect or direct subsidiary, parent or affiliate companies or any of their employees, officers, directors, and agents (collectively, the “Cake Entities”) from and against all claims, losses, expenses, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees and costs) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of Operator representations, warranties, or obligations set forth in this Payfac Agreement, including without limitation any violation of Cake policies or applicable policies of its business partners or Card Network rules; (b) any claim for state sales, use, or similar tax obligations of Operator arising from Buyer transactions; (c) wrongful or improper use of any Cake Payments; (d) Operator’s violation of any rights of a third party, (e) Operator’s violation of any federal, state or local law, rule or regulation, including but not limited to any applicable Privacy Laws, any laws governing gift cards, and any law or regulation governing the use, sale, and distribution of alcohol, or any other regulated Operator goods and/or services; (f) the negligence or willful misconduct of Operator (including its agents), (g) any claim arising out of Operator’s misuse of Buyer data, (h) any transaction submitted by you through the Cake Payments service (including without limitation the accuracy of any product information that you provide or any claim or dispute arising out of products or services offered or sold by you), or (i) third party indemnity obligations incurred by Cake as a direct or indirect result of Operator’s acts or omissions (including indemnification of any Card Network or card issuer).

      Cake maintains the right to control its own defense and to choose its own legal counsel in any matter subject to the foregoing indemnification, regardless of any conflict of interest between Cake and Operator.

   8. Disclaimer of Warranties. THE CAKE PAYMENTS SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. USE OF THE SERVICE IS AT OPERATOR’S OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE CAKE PAYMENTS SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY OPERATOR FROM CAKE OR THROUGH THE CAKE PAYMENTS SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, THE CAKE ENTITIES, THEIR PROCESSORS, THEIR PROVIDERS, THEIR LICENSORS AND THE BANK PARTNERS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES) DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE CAKE PAYMENTS SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE CAKE PAYMENTS SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CAKE PAYMENTS SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

      CAKE DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE CAKE PAYMENTS SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND CAKE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

      SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND OPERATOR MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

   9. Limitation of Liability. Please read this Section carefully since it limits the liability of the Cake Entities and certain of their suppliers and partners, including the Bank Partners. Nothing in this Section is intended to limit any rights Operator may have that may not be lawfully limited.

      NO CAKE ENTITY OR BANK PARTNER OR ANY OF THEIR PROCESSORS, SERVICE PROVIDERS, SUPPLIERS, OR LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, OR EMPLOYEES) WILL BE LIABLE TO OPERATOR OR ANY THIRD PARTY FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING DAMAGES RELATED TO FINES OR FEES ASSESSED BY THE FINANCIAL INSTITUTION HOLDING OPERATOR’S BANK ACCOUNT OR FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE CAKE PAYMENTS SERVICES OR OTHERWISE ARISE IN CONNECTION WITH THE PAYFAC AGREEMENT. UNDER NO CIRCUMSTANCES WILL ANY CAKE ENTITY BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE CAKE PAYMENTS SERVICES OR THE ACCOUNT, OR THE INFORMATION CONTAINED IN THE ACCOUNT OR ACCESSIBLE VIA THE CAKE PAYMENTS SERVICES.

      TO THE FULLEST EXTENT PERMITTED BY LAW, THE CAKE ENTITIES, BANK PARTNERS AND THEIR PROCESSORS, SERVICE PROVIDERS, SUPPLIERS, OR LICENSORS (AND THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, OR EMPLOYEES) ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (a) LOSS OF PAYMENT TRANSACTIONS OR LOSS OF DATA, (b) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM OPERATOR’S ACCESS TO AND USE OF THE CAKE PAYMENTS SERVICE, (c) ANY UNAUTHORIZED ACCESS TO OR USE OF CAKE’S SYSTEMS OR ANY AND ALL PERSONAL INFORMATION OR FINANCIAL INFORMATION STORED ON THOSE SYSTEMS, (d) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CAKE PAYMENTS SERVICES, (e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE CAKE PAYMENTS SERVICES BY ANY THIRD PARTY, (f) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT MADE AVAILABLE VIA THE CAKE PAYMENTS SERVICES, OR (g) OPERATOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.

      NO CAKE ENTITY, BANK PARTNER OR ANY OF THEIR PROCESSORS, SERVICE PROVIDERS, SUPPLIERS, OR LICENSORS (OR THEIR RESPECTIVE AFFILIATES, AGENTS, DIRECTORS, OR EMPLOYEES) WILL BE LIABLE TO OPERATOR FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AMOUNT EXCEEDING THE AGGREGATE AMOUNT OF FEES AND CHARGES PAID TO CAKE PURSUANT TO THE PAYFAC AGREEMENT FOR THE APPLICABLE CAKE PAYMENT SERVICES RELATING TO THE CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, OR COSTS IN THE SIX MONTH PERIOD PRECEDING THE EVENT THAT GAVE RISE TO THE CLAIM OF LIABILITY.

      OPERATOR RECOGNIZES AND CONFIRMS THAT IF IT INCURS ANY DAMAGES, LOSSES OR INJURIES THAT ARISE OUT OF THE CAKE PAYMENTS SERVICES OR CAKE’S ACTS OR OMISSIONS, THE DAMAGES, IF ANY, CAUSED TO OPERATOR ARE NOT IRREPARABLE OR SUFFICIENT TO ENTITLE IT TO AN INJUNCTION, AND IT WILL HAVE NO RIGHTS TO ENJOIN OR RESTRAIN THE DEVELOPMENT, PRODUCTION, DISTRIBUTION, ADVERTISING, EXHIBITION OR EXPLOITATION OF THE CAKE PAYMENTS SERVICES.

      IF OPERATOR IS A CALIFORNIA RESIDENT, OPERATOR WAIVES CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

      Operators who access or use Cake Payments from jurisdictions other than the United States do so at their own volition and are entirely responsible for compliance with all applicable United States and local laws and regulations, including but not limited to export and import regulations. Operators may not use Cake Payments if they are residents of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government.

   10. Taxes. Operator is solely responsible for determining any taxes assessed or required to be collected, paid, or withheld in connection with its receipt of the Cake Payments (“Service Taxes”). Operator is also solely responsible for collecting, withholding, reporting, and remitting Service Taxes to the appropriate tax authorities; provided, however, that in the event that Cake determines in its sole discretion to calculate and collect Service Taxes from Operator, Cake reserves the right to charge and Operator agrees to pay any Service Taxes as reasonably calculated by Cake.

       Cake or the Bank Partners may have tax reporting responsibilities in connection with the Cake Payments service. For example, if applicable Cake or the Bank Partners will report to the Internal Revenue Service on Form 1099-K as required by law, Operator name, address, Tax Identification Number (such as Employment Identification Number or Social Security Number), the total dollar amount of the payments you receive in a calendar year, and the total dollar amount of the payments you receive for each month in a calendar year.

   11. Dispute Resolution and Arbitration.

       11.1      Generally. Operator and Cake agree to arbitrate all "Disputes," defined as any claim, controversy or dispute (whether involving contract, tort, equitable, statutory or any other legal theory) between Operator and a Cake Entity, including but not limited to any claims relating in any way to this Payfac Agreement (including its breach, termination and interpretation), any other aspect of our relationship, Cake advertising, and any use of Cake software or services. "Disputes" also include any claims that arose before this Agreement and that may arise after termination of this Agreement. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award.

       Notwithstanding the foregoing, Operator or Cake may choose to pursue a claim in court and not by arbitration in the event of a claim that Operator has failed to timely pay amounts due. Cake may assign your account for collection, and the collection agency may pursue in any court of competent jurisdiction any claim that is strictly limited to the collection of past due amounts and any interest or cost of collection permitted by law or this Payfac Agreement. Additionally, nothing in the Agreement will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) seek injunctive relief in a court of law; or (c) to file suit in a court of law to address an intellectual property infringement claim.

       For purposes of this arbitration provision, references to Operator and Cake also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Cake Payments service. In the event that you or Cake are not able to resolve a Dispute with American Express, or a claim against Cake or any other entity that American Express has a right to join, Section 7 of Exhibit B will apply.

       11.2.     Arbitrator. All Disputes shall be resolved finally and exclusively by binding individual arbitration with a single arbitrator administered by the American Arbitration Association (www.adr.org) ("AAA") according to this provision and the applicable arbitration rules. A form for initiating arbitration proceedings is available on the AAA's website at www.adr.org. Consumer claimants (individuals whose transaction is intended for personal, family, or household use) may elect to pursue their claims in their local small-claims court rather than through arbitration. The Federal Arbitration Act, 9 U.S.C. §§ 1-16, fully applies. If you are a consumer bringing a claim relating to personal, household, or family use, any arbitration hearing will occur within the county or parish where you reside or at another mutually agreed location. Otherwise, any arbitration hearing will occur in Tampa, Florida.

       11.3.     Process. Operator or Cake may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Cake subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you or by Cake, unless the arbitrator requires otherwise. The arbitrator's award shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, but if you are unable to pay any of them, Cake will pay them for you. In addition, Cake will reimburse all such fees and costs for claims totaling less than $25,000 unless the arbitrator determines the claims are frivolous. Likewise, Cake will not seek its attorneys' fees or costs in arbitration unless the arbitrator determines your claims or defenses are frivolous. In the event the arbitrator determines the claims you assert in the arbitration are frivolous, you agree to reimburse Cake for all fees associated with the arbitration paid by Cake on your behalf that you otherwise would be obligated to pay under the AAA's rules. For purposes of this arbitration provision, references to you and Cake also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Service. Subject to and without waiver of the arbitration provisions above, you agree that any judicial proceedings (other than small claims actions in consumer cases) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state or federal courts in Hillsborough County, Florida.

       11.4.     No Class Actions. OPERATOR AND CAKE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both Operator and Cake agree otherwise, the arbitrator may not consolidate more than one Person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

       11.5.     Modifications to this Arbitration Provision. If Cake makes any future change to this arbitration provision, other than a change to Cake’s address for Notice, Operator may reject the change by sending Cake written notice within 30 days of the change to Cake’s address for Notice, in which case Operator’s account with Cake will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes Operator rejected will survive.

       11.6.     Enforceability. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement. If the “No Class Action” paragraph above is found to be unenforceable or if the entirety of this Section is found to be unenforceable, then the entirety of this Section is null and void, the remaining provisions of these terms will remain in effect in accordance with “Severability” paragraph (below) of this Payfac Agreement and the exclusive jurisdiction and venue described in “Governing Law” paragraph (below) will govern any action arising out of or related to the Payfac Agreement.

   12. Miscellaneous.

       12.1. Entire Agreement; Waiver. The Payfac Agreement, along with any applicable policies and agreements made available at Cake’s websites or Operator portal(s) incorporated into the Payfac Agreement by express reference and any exhibits, appendices, addenda, schedules, and amendments explicitly made to the Payfac Agreement, sets forth the entire understanding between Operator and Cake with respect to Operator’s use of the Cake Payments services, and supersedes any and all other agreements, oral or in writing, including any agreements as to pricing, implementation schedules, or future releases of services, related to the Cake Payments services, unless made in writing and expressly incorporated into the Payfac Agreement. Notwithstanding the foregoing, an updated version of these Terms and Conditions or any other portion of the Payfac Agreement (including any version made available to Operator by written communication or by notice at Cake’s websites or Operator portal(s)) prevail over previous versions. Any purchase order or similar document that Operator may issue in connection with the Payfac Agreement will be for ordering purposes only and any terms and conditions on that purchase order or other document will be of no force or effect.

       No waiver by any party of any provision of this Payfac Agreement will be valid unless the same will be in writing and signed by the party making such waiver. No Cake sales representative is authorized to make any change to the Payfac Agreement. No waiver of a provision of this Payfac Agreement shall constitute a waiver of any other provision or of the same provision on another occasion. NOTHING IN THE PAYFAC AGREEMENT WILL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO OPERATOR.

       12.2. Right to Amend. Subject to the terms hereunder and applicable law, Cake has the right to change or add to the terms of this Payfac Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Cake Payments service or software (an “Agreement Change”) with notice that is reasonable in light of the circumstances, including such notice on Cake’s website or any other website maintained or owned by Cake for the purposes of providing services related to this Payfac Agreement. Operator understands the importance of regularly reviewing these Terms and other portions of the Payfac Agreement as updated. Use of the Cake Payments services after notice of any Agreement Change will confirm that Operator have read, accepted, and agreed to be bound by the modifications to the Payfac Agreement or constitute Operator’s acceptance of the changed Cake Payments service. Notwithstanding the foregoing, (a) any Dispute that arose before the effective date of an Agreement Change shall be governed by the version of the Payfac Agreement (including the binding individual arbitration clause) that was in place when the Dispute arose and (b) in the event that an Agreement Change negatively and materially impacts Operator’s rights under this Payfac Agreement, then Operator may terminate the Payfac Agreement and any agreement for Other Cake Services related to Cake Payments (subject to the terms herein (including but not limited to Part E, Section 5)) by providing written notice thereof to Cake, provided such notice must be given within 30 days following the date of notice by Cake of the Agreement Change.

       12.3. Severability; Remedies. If any provision of this Payfac Agreement is determined to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary for this Payfac Agreement to remain enforceable.

       This Payfac Agreement has been reviewed by Operator with the benefit of independent legal counsel to the extent Operator considers necessary and any rule of construction to the effect that ambiguities are to be resolved against the drafting party shall not apply to the construction or interpretation of this Payfac Agreement. The rights conferred upon Cake in this Payfac Agreement are not intended to be exclusive of each other or of any other rights and remedies Cake may have at law or in equity. Rather, each and every right Cake may have under this Payfac Agreement, at law or in equity is cumulative and concurrent and in addition to every other right.

       12.4. Notices; Electronic Communications Delivery Policy; E-Sign Consent. Operator agrees and consents to receive electronically all agreements, documents, notices, disclosures and communications that Cake provides to Operator regarding Cake Payments or Operator’s your Payments Account (“Communications”). Communications include, but are not limited to:

       1. Cake agreements and policies, such as this Payfac Agreement, including updates
       2. Account statements and history;
       3. Transaction receipts or confirmations;
       4. Annual disclosures or notices; and
       5. Federal or state tax forms or statements such as the Form 1099-K that Cake or its Bank Partners is required (if required) to make available to Operator.

       Cake will provide these Communications to Operator by posting them on Cake’s website(s) or applications, the merchant/operator account portal, or emailing them to an email address listed in Operator’s Payments Account. Electronic Communications shall have the same meaning and effect as if provided by physical paper. Operator’s electronic signature shall have the same effect as a manual, physical signature.

       By giving consent Operator is confirming that it has access to the necessary equipment and is able to receive, open, and print or download a copy of any Communications for Operator’s records. Operator may print or save a copy of these Communications for Operator’s records as they may not be accessible online at a later date.

       Such Communications shall be considered to be received by Operator within 24 hours of the time it is posted to Cake’s website or merchant portal or emailed to you unless Cake receives notice that the email was not delivered. Operator may withdraw consent to receive Communications electronically by writing to Cake at "Attn: Electronic Communications Delivery Policy, Cake Corporation, 9th Floor, MetWest Three, 4050 West Boy Scout Boulevard, Tampa, Florida 33607,” or by contacting us via support@madmobile.com. Please note that Cake may not be able to support such request, in which case Cake may need to terminate Operator’s account. If you fail to provide or if you withdraw your consent to receive Communications electronically, Cake reserves the right to either deny your application for a Payments Account, restrict or deactivate your account, close your account and any sub-account, or charge you additional fees for paper copies.

       It is your responsibility to keep your primary email address up to date. Operator agrees that if Cake sends a Communication but Operator does not receive it because Operator’s primary email address (as provided) on file is incorrect, out of date, blocked by Operator’s service provider, or Operator is otherwise unable to receive electronic Communications via such email address, Cake will be deemed to have provided the Communication. Please note that if Operator uses a spam filter that blocks or re-routes emails from senders not listed in its email address book, Operator must add Cake to its email address book so that Operator will be able to receive the Communications Cake sends to Operator.

       Legal notices to Cake may be sent via registered mail, postage prepaid, return receipt requested, to Cake Corporation, 9th Floor, MetWest Three, 4050 West Boy Scout Boulevard,

       Tampa, Florida 33607. Other communications to Cake may be communicated to support@madmobile.com or by phone at (813) 400-2000.

       12.5. Excused Non-Performance. Neither party will be liable for any delay in or failure to perform under this Payfac Agreement as a result of circumstances beyond such party’s reasonable control; provided that the foregoing shall not excuse Operator’s responsibility for refunds, Chargebacks and fulfilling Buyer orders. Excusing circumstances include flood; war; embargo; failure or delay by third parties; and laws of any governmental authority.

       12.6. Governing Law. The Payfac Agreement and any Dispute will be governed by and construed in accordance with the laws of the State of Florida and/or applicable federal law without reference to conflict of laws principles that would result in the application of the laws of another jurisdiction. Subject to and without waiver of the arbitration Section above, Operator agrees that to the extent a lawsuit or court proceeding is permitted under the Agreement any such proceedings (other than small claims actions in consumer cases) will be brought in and Operator hereby consents to the exclusive jurisdiction and venue in the state or federal courts in Hillsborough County, Florida. Unless otherwise required by law, an action or proceeding by Operator relating to any Dispute must commence within one year after the cause of action accrues.

       12.7. Assignment. This Payfac Agreement, and any rights and licenses granted hereunder, may not be transferred, encumbered or assigned by Operator. Any sale or transfer of the equity interests of Operator’s business such that the holders of the equity interests of Operator’s business before such transfer do not own more than 50% of the equity interests immediately after such transfer shall be deemed an assignment of this Agreement. Cake may assign this Payfac Agreement and any or all of its rights hereunder without restriction.

       12.8. Representations and Warranties. Operator represents and warrants to Cake that: (a) Operator is eligible to register and use the Cake Payments service and have the right, power, and ability to enter into and perform under this Payfac Agreement; (b) the name identified by Operator when it registered is the name or business name under which Operator sells goods and services; (c) the account application/registration information provided to Cake is accurate in all respects; (d) any sales transactions with a Buyer will represent a bona fide sale; (e) any sales transactions submitted will accurately describe the goods and/or services sold and delivered to Buyer; (f) Operator will fulfill all obligations to each Buyer for which it enters into a transaction and will resolve any consumer dispute or complaint directly with such Buyer; (g) Operator and all transactions initiated by Operator will comply with all federal, state, and local laws, rules, and regulations applicable to Operator’s business, including any applicable tax laws and regulations; (h) except in the ordinary course of business, no transaction submitted by Operator through the Cake Payments service will represent a sale to any principal, partner, proprietor, or owner of Operator’s entity; (i) Operator will not use the Cake Payments service, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Cake Payments service; and(j) Operator’s use of the service will be in compliance with this Payfac Agreement.

       12.9. Interpretation. Section headings are used in the Payfac Agreement for convenience of reference only and will not affect the meaning of any provision of the Payfac Agreement. For purposes of the Payfac Agreement: (a) the words “include,” “includes” and “including” will be deemed to be followed by the words “without limitation”; (b) the words “such as”, “for example” “e.g.” and any derivatives of those words will mean by way of example and the items that follow these words will not be deemed an exhaustive list; and (c) the word “or” is used in the inclusive sense of “or” and the terms “or,” “any,” and “either” are not exclusive. No ambiguity will be construed against any party based on a claim that the party drafted the language.

EXHIBIT A

MERCHANT SERVICES AGREEMENT

This Merchant Services Agreement (“Direct Services Agreement”) sets forth the terms that apply to all merchant users of Cake Payments (as defined in the Payfac Agreement) for the acceptance of card payments whose Visa or MasterCard transaction volume (in dollar amount) is anticipated to exceed certain limits (set by Visa and MasterCard from time to time) during any 12 month period. Such Operators are “Commercial Entities” (as defined by Visa and MasterCard). This Direct Services Agreement constitutes a separate legally binding contract between (1) you, as an Operator and Commercial Entity, and (2) Worldpay, LLC and its designated Member Bank (collectively “Acquirer”) to govern the authorization, conveyance and settlement of Transactions (defined below) facilitated by Cake Payments. The Cake Operator has agreed to the Cake Payfac Agreement or equivalent agreement, which sets forth requirements regarding Cake Payments and are incorporated into this Direct Services Agreement by reference.

Acquirer will provide Operator with certain payment processing services (“Direct Services”) in accordance with the terms of this Direct Services Agreement. In consideration of Operator’s receipt of credit or debit card funded payments, and participation in programs affiliated with the Card Networks, Operator agrees to comply with Operating Regulations (defined below) as they pertain to payments Operator receives through the Cake Payments. In addition, if Operator meets certain requirements under the Operating Regulations or a Card Network or the Operating Regulations otherwise require, Operator may be required to enter into a direct relationship with an entity that is a member of the Card Networks. By agreeing to this Direct Services Agreement, Operator has fulfilled such requirement.

1. Certain Operator Responsibilities. Operator agrees to comply, and to cause third parties acting as Operator’s agent (“Agents”) to comply, with the Card Network’s and other payment network’s by-laws, operating regulations and/or all other rules, policies and procedures, including but not limited to the Payment Card Industry Data Security Standard, the VISA Cardholder Information Security Program, the MasterCard Site Data Protection Program, and any other program or requirement that may be published and/or mandated by the Card Networks or payment networks (collectively "Operating Regulations"). Operator may review the VISA, MasterCard, and Discover websites for a copy of the Visa, MasterCard and Discover regulations. The websites are: http://usa.visa.com/merchants/ and http://www.mastercard.com/us/merchant/ and http://www.discovernetwork.com/merchants/. Operator also agrees to comply with all applicable state, federal, and local laws, rules, and regulations (“Laws”). Without limiting the foregoing, Operator agrees that it will fully comply with any and all anti-money laundering laws and regulations, including but not limited to the Bank Secrecy Act, the US Treasury’s Office of Foreign Assets Control (OFAC) and the Federal Trade Commission. For purposes of this section, Agents include, but are not limited to, Operator’s software providers and/or equipment providers.

   If appropriately indicated in Operator’s agreement with Cake [i.e., Cake Payfac Agreement], Operator may be a limited-acceptance merchant, which means that Operator has elected to accept only certain Visa and MasterCard card types (i.e., consumer credit, consumer debit, and commercial cards) and must display appropriate signage to indicate the same. Acquirer has no obligation other than those expressly provided under the Operating Regulations and applicable law as they may relate to limited acceptance. Operator, and not Acquirer, will be solely responsible for the implementation of its decision for limited acceptance, including but not limited to policing the card type(s) accepted at the point of sale.

   Operator shall only complete sales transactions produced as the direct result of bona fide sales made by Operator to cardholders, and is expressly prohibited from presenting sales transactions which are produced as a result of sales made by any person or entity other than Operator, or for any purposes related to any illegal or prohibited activity, including but not limited to money-laundering or financing of terrorist activities. Operator is required to obtain an authorization through Cake Payments, in accordance with this Direct Services Agreement, for each Transaction. Acquirer reserves the right to not process any Transaction Data presented by Operator unless it includes a proper authorization.

   Operator may set a minimum transaction amount to accept a card that provides access to a credit account, under the following conditions: i) the minimum transaction amount does not differentiate between card issuers; ii) the minimum transaction amount does not differentiate between MasterCard, Visa, or any other acceptance brand; and iii) the minimum transaction amount does not exceed ten dollars (or any higher amount established by the Federal Reserve).

2. Operator Prohibitions. Operator must not (i) require a cardholder to complete a postcard or similar device that includes the cardholder’s account number, card expiration date, signature, or any other card account data in plain view when mailed, (ii) add any tax to transactions, unless applicable law expressly requires that a Operator impose a tax (any tax amount, if allowed, must be included in the transaction amount and not collected separately), (iii) request or use an account number for any purpose other than as payment for its goods or services, (iv) disburse funds in the form of travelers checks if the sole purpose is to allow the cardholder to make a cash purchase of goods or services from Operator, (v) disburse funds in the form of cash unless Operator is dispensing funds in the form of travelers checks, TravelMoney cards, or foreign currency (in such case, the transaction amount is limited to the value of the travelers checks, TravelMoney cards, or foreign currency, plus any commission or fee charged by the Operator), or Operator is participating in a cash back service, (vi) submit any transaction receipt for a transaction that was previously charged back to the Acquirer and subsequently returned to Operator, irrespective of cardholder approval, (vii) accept a Visa consumer credit card or commercial Visa product issued by a U.S. issuer to collect or refinance an existing debt, (viii) accept a card to collect or refinance an existing debt that has been deemed uncollectable, or (ix) submit a transaction that represents collection of a dishonored check. Operator further agrees that, under no circumstance, will Operator store cardholder data in violation of the Laws or the Operating Regulations including but not limited to the storage of track-2 data. Neither Operator nor its Agent shall retain or store magnetic-stripe data subsequent to the authorization of a sales transaction.

3. Settlement. Upon receipt of Operator’s sales data for card transactions, Acquirer will process Operator’s sales data to facilitate the funds transfer between the various Card Networks and Operator. After Acquirer receives credit for such sales data, subject to the terms set forth herein, Acquirer will fund Operator, either directly to the Operator-Owned Designated Account or through Cake to an account designated by Cake (“Cake Designated Account”), at Acquirer’s discretion, for such card transactions. Operator agrees that the deposit of funds to the Cake Designated Account shall discharge Acquirer of its settlement obligation to Operator, and that any dispute regarding the receipt or amount of settlement shall be between Cake and Operator. Acquirer will debit the Cake Designated Account for funds owed to Acquirer as a result of the Services provided hereunder, provided that Acquirer may also debit Operator’s designated demand deposit account (“Operator-Owned Designated Account”) upon receipt of such account information from Operator or Cake, or if Acquirer deposits settlement funds into the Operator-Owned Designated Account. Further, if a cardholder disputes a transaction, if a transaction is charged back for any reason, or if Acquirer reasonably believes a transaction is unauthorized or otherwise unacceptable, the amount of such transaction may be charged back and debited from Operator or Cake.

4. Term and Termination. This Direct Services Agreement shall be binding upon Operator upon the date Operator agrees to it (by electronically indicating acceptance hereof or otherwise). The term of this Direct Services Agreement shall begin, and the terms of the Direct Services Agreement shall be deemed accepted and binding upon Acquirer, on the date Acquirer accepts this Direct Services Agreement by issuing a merchant identification number, and shall be coterminous with Cake’s agreement with Operator.

   Notwithstanding the foregoing, Acquirer may immediately cease providing Services and/or terminate this Direct Services Agreement without notice if (i) Operator or Cake fails to pay any amount to Acquirer when due, (ii) in Acquirer's opinion, provision of a service to Operator or Cake may be a violation of the Operating Regulations or any Laws, (iii) Acquirer believes that Operator has violated or is likely to violate the Operating Regulations or the Laws, (iv) Acquirer determines Operator poses a financial or regulatory risk to Acquirer or a Card Network, (v) Acquirer’s agreement with Cake terminates, (vi) any Card Network deregisters Cake, (vii) Acquirer ceases to be a member of the Card Networks or fails to have the required licenses, or (viii) Acquirer is required to do so by any of the Card Networks.

5. Limits of Liability. Operator agrees to provide Acquirer, via a communication with Cake, with written notice of any alleged breach by Acquirer of this Direct Services Agreement, which notice will specifically detail such alleged breach, within thirty (30) days of the date on which the alleged breach first occurred. Failure to so provide notice shall be deemed an acceptance by Operator and a waiver of any and all rights to dispute such breach.

   EXCEPT FOR THOSE EXPRESS WARRANTIES MADE IN THIS DIRECT SERVICES AGREEMENT, ACQUIRER DISCLAIMS ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Operator’s sole and exclusive remedy for any and all claims against Acquirer arising out of or in any way related to the transactions contemplated herein shall be termination of this Direct Services Agreement. In the event that Operator has any claim arising in connection with the Services, rights, and/or obligations defined in this Direct Services Agreement, Operator shall proceed against Cake and not against Acquirer, unless otherwise specifically set forth in the Operating Regulations. In no event shall Acquirer have any liability to Operator with respect to this Direct Services Agreement or the Services. Operator acknowledges Acquirer is only providing this Direct Services Agreement to assist in Cake’s processing relationship with Operator, that Acquirer is not liable for any action or failure to act by Cake, and that Acquirer shall have no liability whatsoever in connection with any products or services provided to Operator by Cake. If Cake is unable to provide its services to Operator in connection with this Direct Services Agreement and Acquirer elects to provide those services directly, Operator acknowledges and agrees that the provisions of this Direct Services Agreement will no longer apply and the terms of Acquirer’s then current Bank Card Merchant Agreement, which would be provided to Operator, will govern Acquirer’s relationship with Operator. If Cake subsequently provides its services to Operator in connection with this Direct Services Agreement, Acquirer will cease to provide such services after receipt of notice from Cake and this Direct Services Agreement will govern Acquirer’s relationship with Operator.

6. Miscellaneous. This Direct Services Agreement is entered into, governed by, and construed pursuant to the laws of the State of Ohio without regard to conflicts of law provisions. This Direct Services Agreement may not be assigned by Operator without the prior written consent of Acquirer. This Direct Services Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors, transferees and assignees. This Direct Services Agreement is for the benefit of, and may be enforced only by, Acquirer and Operator and is not for the benefit of, and may not be enforced by, any other party. Acquirer may amend this Direct Services Agreement upon notice to Operator in accordance with Acquirer’s standard operating procedure. If any provision of this Direct Services Agreement is determined to be illegal or invalid, such illegality or invalidity of that provision will not affect any of the remaining provisions and this Direct Services Agreement will be construed as if such provision is not contained in the Direct Services Agreement. “Member Bank” as used in this Direct Services Agreement shall mean a member of VISA, MasterCard and/or Discover, as applicable, that provides sponsorship services in connection with this Direct Services Agreement. The Member Bank is a party to this Direct Services Agreement. The Member Bank may be changed, and its rights and obligations assigned to another party by Acquirer at any time without notice to Operator.

7. Definitions.

“Transaction” is a transaction conducted between a customer and Operator utilizing a payment card in which consideration is exchanged between the customer and Operator.

“Transaction Data” is the written or electronic record of a Transaction, including but not limited to an authorization code or settlement record.

EXHIBIT B

American Express Card Acceptance and Brand Requirements

1. Defined Terms. As used in this Exhibit B, the following capitalized terms have the following respective meanings:
   • "Cardmember" means an individual or entity that has entered into an agreement establishing an American Express Card account, or whose name appears on the American Express Card.
   • "Cardmember Information" means any information about Cardmembers and transactions, including, but not limited to, transaction data, and Cardmember name, addresses, American Express Card numbers, and American Express Card Identification Numbers.
   • "Establishments" means any or all of your and your affiliates' locations, outlets, websites, online networks, and all other methods for selling goods and services including methods that you adopt in the future.
   • "Marks" means names, logos service marks, trademarks, trade names, taglines, or other proprietary designs or designations.
   • "Other Payment Products" means any charge, credit, debit, stored value, prepaid, or smart cards, account access devices, or other payment cards, services, or products other than the American Express Card.
2. American Express Card Acceptance. Operator must accept the American Express Card as payment for goods and services sold, or (if applicable) for charitable contributions made, at all of Operator's Establishments, except as expressly permitted by state statute. Operator is jointly and severally liable for the obligations of Operator Establishments under this Agreement.
3. Treatment of the American Express Brand. Except as expressly permitted by applicable law, Operator must not:
   • indicate or imply that Operator prefers, directly or indirectly, any Other Payment Products over the American Express Card,
   • try to dissuade Cardmembers from using the American Express Card,
   • criticize or mischaracterize the American Express Card or any American Express services or programs,
   • try to persuade or prompt Cardmembers to use any Other Payment Products or any other method of payment (e.g., payment by check),
   • impose any restrictions, conditions, disadvantages or fees when the American Express Card is accepted that are not imposed equally on all Other Payment Products, except for electronic funds transfer, or cash and check,
   • suggest or require Cardmembers to waive their right to dispute any transaction,
   • engage in activities that harm our business or the American Express brand (or both),
   • promote any Other Payment Products (except Operator’s own private label card that Operator issues for use solely at Operator's Establishments) more actively than Operator promotes the American Express Card, or
   • convert the currency of the original sale transaction to another currency when requesting authorization or submitting transactions (or both).
4. Treatment of the American Express Brand (US). Operator may offer discounts or in-kind incentives from Operator’s regular prices for payments in cash, ACH funds transfer, check, debit card or credit/charge card, provided that (to the extent required by applicable law): (i) Operator clearly and conspicuously discloses the terms of the discount or in-kind incentive to Operator’s customers, (ii) the discount or in-kind incentive is offered to all of Operator’s prospective customers, and (iii) the discount or in-kind incentive does not differentiate on the basis of the issuer or, except as expressly permitted by applicable state statute, Card Network. The offering of discounts or in-kind incentives in compliance with the terms of this paragraph will not constitute a violation of the provisions set forth above in the paragraph titled, "Treatment of the American Express Brand".
5. Treatment of the American Express Marks. Whenever payment methods are communicated to customers, or when customers ask what payments are accepted, Operator must indicate Operator’s acceptance of the American Express Card and display the American Express Marks as prominently and in the same manner as any Other Payment Products. Operator must not use the American Express Marks in any way that injures or diminishes the goodwill associated with the Mark, nor in any way (without the prior written consent of American Express) indicate that American Express endorses Operator’s goods or services. Operator shall only use the American Express Marks as permitted by the Agreement and shall cease using the American Express Marks upon termination of the Agreement.
6. Treatment of American Express Cardmember Information. Any and all Cardmember Information is confidential and the sole property of the American Express Card issuer, American Express or its affiliates. Except as otherwise specified, Operator must not disclose Cardmember Information, nor use nor store it, other than to facilitate transactions at Operator's Establishments in accordance with the Agreement.
7. Arbitration (as to Disputes involving American Express) (U.S.). In the event that Operator or Cake is not able to resolve an "AMEX Claim" (as defined below) against American Express, or a claim against Cake or any other entity that American Express has a right to join, this Section explains how AMEX Claims may be resolved through arbitration. Operator or American Express may elect to resolve any AMEX Claim by binding individual arbitration. AMEX Claims will be decided by a neutral arbitrator. If arbitration is elected by any party, neither Operator nor Cake nor American Express will have the right to litigate or have a jury trial on that AMEX Claim in court. Further, Operator, Cake, and American Express will not have the right to participate in a class action or in a representative capacity or in a group of persons alleged to be similarly situated pertaining to any AMEX Claim subject to arbitration under this Arbitration Agreement. Arbitration procedures are generally simpler than the rules in court. An arbitrator's decisions are final and binding, and the arbitrator's final decision on an AMEX Claim generally is enforceable as a court order with very limited review by a court. Other rights Operator, Cake, or American Express would have in court may also not be available in arbitration.
   1. Initiation of Arbitration. AMEX Claims may be referred to either JAMS or AAA, as selected by the party electing arbitration. AMEX Claims will be resolved pursuant to this Arbitration Agreement and the selected organization's rules in effect when the AMEX Claim is filed, except where those rules conflict with this Arbitration Agreement. Contact JAMS or AAA to begin an arbitration or for other information. AMEX Claims may be referred to another arbitration organization if all parties agree in writing, if American Express selects the organization and Operator selects the other within 30 days thereafter or if an arbitrator is appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. 1-16 (FAA). Any arbitration hearing will take place in the federal judicial district where Operator's headquarters is located or New York, NY, at Operator's election.
   2. Limitations on Arbitration. If any party elects to resolve an AMEX Claim by arbitration, that AMEX Claim will be arbitrated on an individual basis. No AMEX Claim is to be arbitrated on a class or purported representative basis or on behalf of the general public or other persons allegedly similarly situated. An arbitration award and any judgment confirming it will apply only to the specific case brought by Operator, Cake or American Express and cannot be used in any other case except to enforce the award as between Operator, Cake and American Express. This prohibition is intended to, and does, preclude Operator from participating in any action by any trade association or other organization against American Express. Notwithstanding any other provision in this Arbitration Agreement, if any portion of these Limitations on Arbitration is found invalid or unenforceable, then the entire Arbitration Agreement (other than this sentence) will not apply, except that Operator, Cake, and American Express do not waive the right to appeal that decision.
   3. Previously Filed Claims/No Waiver. Operator, Cake, or American Express may elect to arbitrate any AMEX Claim that has been filed in court at any time before trial has begun or final judgment has been entered on the AMEX Claim. Operator, Cake, or American Express may choose to delay enforcing or to not exercise rights under this Arbitration Agreement, including the right to elect to arbitrate a claim, without waiving the right to exercise or enforce those rights on any other occasion. For the avoidance of any confusion, and not to limit its scope, this section applies to any class-action lawsuit relating to the "Honor All Cards," "non-discrimination," or "no steering" provisions of the American Express Operator Regulations, or any similar provisions of any prior American Express Card acceptance agreement, that was filed against American Express prior to the Effective Date of the Arbitration Agreement to the extent that such claims are not already subject to arbitration pursuant to a prior agreement between Operator and American Express.
   4. Arbitrator's Authority. The arbitrator will have the power and authority to award any relief that would have been available in court and that is authorized under this Arbitration Agreement. The arbitrator has no power or authority to alter the Agreement or any of its separate provisions, including this Arbitration Agreement.
   5. Split Proceedings for Equitable Relief. Operator, Cake, or American Express may seek equitable relief in aid of arbitration prior to arbitration on the merits if necessary to preserve the status quo pending completion of the arbitration. This section shall be enforced by any court of competent jurisdiction, and the party seeking enforcement is entitled to seek an award of reasonable attorneys' fees and costs to be paid by the party against whom enforcement is ordered.
   6. Small Claims. American Express will not elect arbitration for any AMEX Claim Operator properly files in a small claims court so long as the AMEX Claim seeks individual relief only and is pending only in that court.
   7. Governing Law/Arbitration Procedures/Entry of Judgment. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce and is governed by the FAA. The arbitrator shall apply New York law and applicable statutes of limitations and honor claims of privilege recognized by law. The arbitrator shall apply the rules of the arbitration organization selected, as applicable to matters relating to evidence and discovery, not federal or any state rules of procedure or evidence, provided that any party may ask the arbitrator to expand discovery by making a written request, to which the other parties will have 15 days to respond before the arbitrator rules on the request. If Operator's AMEX Claim is for $10,000 or less, Operator may choose whether the arbitration will be conducted solely based on documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing under the rules of the selected arbitration organization. At the timely request of a party, the arbitrator will provide a written opinion explaining his/her award. The arbitrator's decision will be final and binding, except for any rights of appeal provided by the FAA. Judgment on an award rendered by the arbitrator may be entered in any state or federal court in the federal judicial district where Operator's headquarters or Operator's assets are located.
   8. Confidentiality. The arbitration proceeding and all information submitted, relating to or presented in connection with or during the proceeding, shall be deemed confidential information not to be disclosed to any person not a party to the arbitration. All communications, whether written or oral, made in the course of or in connection with the AMEX Claim and its resolution, by or on behalf of any party or by the arbitrator or a mediator, including any arbitration award or judgment related thereto, are confidential and inadmissible for any purpose, including impeachment or estoppel, in any other litigation or proceeding; provided, however, that evidence shall not be rendered inadmissible or non-discoverable solely as a result of its use in the arbitration.
   9. Costs of Arbitration Proceedings. Operator will be responsible for paying Operator's share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees Operator would have incurred if Operator had brought a claim in court. American Express will be responsible for any additional arbitration fees. At Operator's written request, American Express will consider in good faith making a temporary advance of Operator's share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.
   10. Additional Arbitration Awards. If the arbitrator rules in Operator's favor against American Express for an amount greater than any final settlement offer American Express made before arbitration, the arbitrator's award will include: (1) any money to which Operator is entitled as determined by the arbitrator, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees incurred by Operator.
   11. Definitions. For purposes of this Section 7, "Arbitration Agreement (as to AMEX Claims involving American Express) (U.S.)" only, (i) American Express includes its affiliates, licensees, predecessors, successors, or assigns, any purchasers of any receivables, and all agents, directors, and representatives of any of the foregoing, (ii) Operator includes Operator's affiliates, licensees, predecessors, successors, or assigns, any purchasers of any receivables and all agents, directors, and representatives of any of the foregoing, and (iii) AMEX Claim means any allegation of an entitlement to relief, whether damages, injunctive or any other form of relief, against American Express or against Cake or any other entity that American Express has the right to join, including, a transaction using an American Express product or network or regarding an American Express policy or procedure.

EXHIBIT C

BANK RULES

Good Business Practices That Will Help Reduce Your Processing Costs

• Use an imprinted sales ticket with signature for all “key entered” transactions. This will assist you with issues such as chargebacks.
• Close and settle your sales transactions daily. This will help reduce those instances where “Mid-Qualified” or “Non-Qualified” discount rates are assessed.
• Balance your merchant account, processing statements, and your sales slips to assure that you are receiving anticipated funds in a timely fashion, as more fully described below. Because of the number of parties involved in the processing of credit card and other electronic transactions, the only way to ensure that you receive all funds is by balancing each day’s sales tickets against daily ACH deposits.
• Respond within the acceptable time frame to retrievals and/or chargebacks in order to assure the most favorable outcome possible.
• Do not call the voice authorization center for services other than authorization.
• Settle disputes with your customers before they reach “chargeback” status. A chargeback is like a returned check, it is expensive and time consuming.
• Read your Operator processing agreement (Cake Payfac Agreement) and these Bank Rules closely and thoroughly.
• Shipping products overseas without a card present should be closely monitored. A merchant has little ability to prevent a chargeback in this type of situation.
• You should carefully reconcile sales tickets against deposits daily, particularly in the following situations: installation of new equipment, new downloads, adding new products to your terminal, power outages, change in your merchant account.

Cards shall mean Card Network cards, account numbers assigned to a Cardholder or other forms of payment accepted by Cake and its Bank Partners.

Cardholder shall mean any person authorized to use a Card or the accounts established in connection with a Card.

Cake shall mean Cake Corporation.

Member Bank shall mean a member of VISA, MasterCard and/or other Card Networks, as applicable, that provides sponsorship services in connection with the Cake Payfac Agreement.

Processor shall mean Worldpay, LLC.

1. Honoring Cards

   1. You shall honor all Cards when presented in accordance with these Rules for the purchase of goods or services or in processing a request for credit resulting from such a transaction, by an authorized holder of a Card without imposing any special conditions not required by any Rules. However, if you do not deal with the public at large (for example, if your business is a private club), you are required to honor a valid Card only if presented by a cardholder who has purchasing privileges or a membership with you. You may attempt to steer customers who initially present a Card to an alternative method of payment, such as by providing discounts for cash, but you may not do so in a confusing manner that denies consumer choice. You may also consider whether present circumstances create undue risk, for example if the sale involves high-value electronics, but the card signature panel is not signed, and the Cardholder does not have any other identification.

   2. Cardholder Identification. You will identify the Cardholder and check the expiration date and signature on each Card. You will not honor any Card if: (i) the Card has expired; (ii) the signature on the sales draft does not correspond with the signature on the Card; or (iii) the account number embossed on the Card does not match the account number on the Card’s magnetic stripe (as printed in electronic form) or the account number is listed on a current Electronic Warning Bulletin file. Unless permitted under the all applicable state, federal, and local laws, rules, and regulations (“Laws”) and these Rules, you will not require a Cardholder to provide personal information, such as a home or business telephone number, a home or business address, or a driver’s license number, as a condition for honoring a Card.

   3. Responsibility for Transactions. Merchant is responsible for ensuring that the Cardholder understands that the Merchant is responsible for the transaction, including goods or services that are the subject of the transaction, and for related customer service, dispute resolution, and performance of the terms and conditions of the transaction. A Merchant must prominently and unequivocally inform the Cardholder of the identity of the Merchant at all points of interaction so that the Cardholder readily can distinguish the Merchant from any other party such as a supplier of goods or services to the Merchant.

   4. Card Recovery. You will use your reasonable, best efforts to recover any Card: (i) on Visa Cards, if the printed four digits above the embossed account number do not match the first four digits of the embossed account number; (ii) if you are advised by Cake or Member Bank (or its designee), the issuer of the Card or the designated voice authorization center to retain it; (iii) if you have reasonable grounds to believe the Card is counterfeit, fraudulent or stolen, or not authorized by the Cardholder; or (iv) for MasterCard Cards, the embossed account number, indent printed account number and/or encoded account number do not agree, or the Card does not have a MasterCard hologram on the lower right corner of the Card face. This obligation upon you in no way authorizes a breach of the peace or any injury to persons or property, and you will hold Cake, Processor and Member Bank harmless from any claim arising from any injury to person or property or other breach of peace.

   5. Return Policy. You will properly disclose to the Cardholder, at the time of the transaction and in accordance with the Rules, any limitation you have on accepting returned merchandise.

   6. No Claim Against Cardholder. You will not have any claim against, or right to receive payment from a Cardholder unless Cake, Member Bank or Processor refuses to accept the sales draft or revokes its prior acceptance of the sales draft (after receipt of a chargeback or otherwise). You will not accept any payments from a Cardholder relating to previous charges for merchandise or services included in a sales draft, and if you receive such payment, you will promptly remit them to Member Bank. You may not reimburse a Cardholder in cash or check for any transaction.

   7. Disputes With Cardholders. You must ensure that the Cardholder understands that you are responsible for the transaction, for any related customer service, dispute resolution, and performance of the terms and conditions of the transaction. All disputes between you and any Cardholder relating to any transaction will be settled between you and the Cardholder. Neither Cake nor Processor nor Member Bank bears any responsibility for such transactions. You shall not require a Cardholder to waive his or her rights to dispute the transaction as a condition of the sale.

   8. Employee Actions. You are responsible for your employees’ actions while in your employ.

   9. Prohibitions on Card Acceptance. You may do any of the following: (i) ****submit for payment into interchange any transaction that is illegal or that you should have known was illegal; (ii) require a Cardholder to complete a postcard or similar device that includes the Cardholder’s account number, expiration, signature or any other account-related data in plain view when mailed; (iii) add any tax to a transaction, unless applicable law expressly requires you to impose a tax, and in such event the tax amount must be included in the transaction amount and not collected separately; (iv) request or use an account number for any purpose other than as payment for goods or services, except as permitted by the Bank Rules; (v) disburse funds in the form of travelers checks, if the sole purpose is to allow cardholder to make a cash purchase of goods or services from you, (vi) permit a Cardholder to purchase travelers checks, or other similar item, if the sole purpose is to allow the Cardholder to make a cash purchase of goods or services from Merchant; (vii) accept a Card to collect or refinance an existing debt that has been deemed uncollectible; (viii) enter into interchange a transaction that represents collection of a dishonored check; (ix) require a Cardholder to waive his/her rights to dispute a transaction as a condition of sale; (x) accept Cardholder payments for previous Card charges incurred at the Merchant location; (xi) submit for payment into interchange any transaction that may in the sole discretion of a Card Network, damage the goodwill of such Card Network or reflect negatively on a Card Network’s brands; (xii) add any surcharge to a debit transaction; (xiii) enter into interchange any transaction receipt for a transaction that was previously charged back to Cake or Member Bank and subsequently returned to you, irrespective of Cardholder approval (you may pursue payment from the customer outside of the Card Network system); (xiv) accept a Card for the purchase of Scrip; (xv) accept a Visa Electron Card or a Visa TravelMoney Card for manual cash disbursement; or (xvi) redeem a Visa Prepaid Card for cash. You may establish a minimum sale amount as a condition for honoring Cards, provided that the minimum transaction amount does not differentiate between Card Networks and/or issuers and the minimum transaction amount does not exceed $10.00 (or any higher amount established by applicable law or the Card Network Rules). Unless otherwise set forth below or otherwise allowed by applicable law or the Card Network Rules, you may establish a maximum sale amount as a condition for honoring Cards. You may establish a maximum sale amount as a condition for honoring Cards if you are a department, agency or instrumentality of the U.S. Government, you are a corporation owned or controlled by the U.S. Government, or your primary business is reflected by one of the following MCCs: 8220 (Colleges, Universities, Professional Schools and Junior Colleges), 8244 (Schools, Business and Secretarial), or 8249 (Schools, Trade and Vocational), provided that the maximum transaction amount does not differentiate between Card Organizations and/or issuers.

   10. Security Features. You are required to examine the Card security features prior to completing a sale. You should examine the Card to be sure there has been no tampering to the signature panel. Specific Card security features are as follows:

       1. Visa:
          1. The “DOVE” hologram should appear to fly when tilted.
          2. All Visa account numbers begin with a “4” and can be up to 19 digits long.
          3. The first four digits of the embossed account number match the four digits printed on the account number of the Card.
          4. The “V” to the right of the expiration date should be a special letter (a “Flying V” not a normal “V”).
       2. MasterCard:
          1. The MasterCard Global hologram or the Debit MasterCard hologram and the MasterCard brand mark stacked within a retaining line, or the MasterCard brandmark without a retaining line if the hologram is on the back.
          2. All MasterCard account numbers are 16 digits long.
          3. The first four digits of the embossed account number match the four digits printed on the account number of the Card. The last four digits of the account number are embossed over the hologram.

       iii. Discover Network: (certain valid devices (e.g., radio frequency enabled Cards, key fobs, contactless Cards, and JCB, CUP and DCI Cards) may not display the features described below).

       1. Card numbers are at least 16 digits embossed on the front of the Card.
       2. The word DISCOVER or DISCOVER NETWORK will appear in ultraviolet ink on the front of the Card when it is held under an ultraviolet light.
       3. An overprint on the signature panel reads Discover Network.
       4. The Discover Network three-dimensional hologram, bearing a distinct circular shape and images of a globe pierced by an arrow, water and stars on a repetitive pattern background (the “Discover Network Hologram”), appears on the front of certain Discover Network Cards. The hologram reflects light and appears to move as the Card is rotated.

       When an Electronic Cash Register or Electronic Draft Capture terminal reads the magnetic stripe on the Card, you must check the Card account number on the terminal (if displayed) against the account number embossed on the Card or follow such other security check as is mandated by Cake or Processor from time to time. If the Card is read with a terminal that displays the Card number and the sales draft is printed, you shall verify that the account number displayed on the terminal and the printed card numbers on the sales draft match the embossed numbers on the face of the Card. In the event that they do not match, the sale must not be completed. Failure to follow these checks and procedures will expose you to chargebacks. If the terminal is programmed to require you to key the last 4 or more digits of each Card used for a sale, and the terminal indicates that the numbers keyed are not the same as those present on the Card, the sale must not be completed.

   11. Advertising. You must display Visa, MasterCard, Discover Network and any other applicable Card issuer, Debit Network and EBT Network decals and program marks on promotional materials that Cake or Processor furnishes, including, if applicable, the JCB, CUP, DCI and/or Electron symbol, in equal prominence near the point-of-sale devices and as otherwise required by the Rules. Your use of the promotional materials of Visa, MasterCard, Discover Network or any other Card Network or state will not indicate, directly or indirectly, that Visa, MasterCard, Discover Network or any other Card Network or state endorse any goods or services other than their own and you may not refer to Visa, MasterCard, Discover Network or any other Card Network or state in stating eligibility for your products or services.

   12. Acceptance Procedures. You may ask or incent your customers to use alternative forms of payment other than a Visa or MasterCard. Discounts can be offered on alternate card brands, card types or payment types. Card brand or payment method preference can be promoted, as well as the ability to inform your customers of the costs associated with accepting a particular card type or brand.

       1. MasterCard Specific Requirements. You may request or encourage a customer to use a payment card with an acceptance brand other than MasterCard or other form of payment or a Card of a different product type (e.g., traditional cards, premium cards, rewards cards) than the Card the consumer initially presents. You may do so by methods that include, but are not limited to:

          1. offering the customer an immediate discount from your list, stated, or standard price, a rebate, a free or discounted product or service, or any other incentive or benefit if the customer uses a particular payment card with an acceptance brand other than MasterCard or other particular form of payment;
          2. offering the customer an immediate discount from your list, stated, or standard price, a rebate, a free or discounted product or service, or any other incentive or benefit if the customer, who initially presents a MasterCard, uses instead another payment card or another form of payment;
          3. expressing a preference for the use of a particular payment card or form of payment;
          4. promoting the use of a particular general purpose payment card with an acceptance brand other than MasterCard or the use of a particular form or forms of payment through posted information, through the size, prominence, or sequencing of payment choices, or through other communications to customers (provided that merchants will abide by the MasterCard trademark standards relating to the display of its marks); or
          5. communicating to customers the reasonably estimated or actual costs incurred by you when a customer uses particular payment cards or forms of payment or the relative costs of using different general purpose payment cards or forms of payment.

          You are free to engage in the POS practices that are described above, or any other substantially equivalent practices.

       2. Visa Specific Requirements. You may steer customers to use a particular network brand, such as Visa or MasterCard; to a type of payment card, such as a "non-reward" credit card; or to another preferred form of payment. You may also encourage a customer who initially presents a Visa card to use a payment card with a different network brand, a different type of payment card, or a different form of payment. You may engage in any of the following steering activities:

          1. offering a customer a discount or rebate, including an immediate discount or rebate at the point of sale;
          2. offering a free or discounted product;
          3. offering a free or discounted or enhanced service;
          4. offering the customer an incentive, encouragement or benefit;
          5. expressing a preference for the use of a particular brand or type of general purpose card or a particular form of payment;
          6. promoting a particular brand or type of general purpose card or a particular form or forms of payment through posted information, through the size, prominence or sequencing of payment choices, or through other communications to a customer;
          7. communicating to a customer the reasonably estimated or actual costs incurred by the merchant when a customer uses a particular brand or type of general purpose card or a particular form of payment or the relative costs of using different brands or types of general purpose cards or different forms of payment; or
          8. engaging in any other practices substantially equivalent to these.

   You are not required to display the Visa mark in a size as large as other payment marks. You may promote acceptance brands other than Visa through the size, prominence, or sequencing of payment choices. However, you must continue to respect a cardholder’s ultimate decision to pay with Visa: you still have an obligation to accept for payment properly presented Visa cards, including rewards cards. In addition, surcharging of Visa cards and steering among Visa cards based on the issuing bank are not permitted and you must ensure that your steering practices are not performed in a confusing manner.

iii.        American Express Specific Requirements. If you accept American Express cards, you must comply with the American Express rules regarding card acceptance. You should review your agreement with American Express for further details on the requirements for American Express card acceptance.

1. Authorization.

A. Required on all Transactions. You will obtain a prior authorization via electronic terminal or similar device before completing any transaction, including MO/TO transactions. You will follow any instructions received during such authorization process. Upon receipt of authorization, you may consummate only the transaction authorized and must note on the sales draft the authorization number. Where authorization is obtained, you will be deemed to warrant the true identity of the customer as the Cardholder. If you receive a negative authorization response, you may not complete the sale and may be requested to recover the Card, if you can do so by reasonable and peaceful means. If you do recover the Card, you should notify the voice authorization center and ask for further instructions. Transactions will be deemed invalid on Cards that are expired, whether or not an authorization has been obtained. For electronic commerce transactions, you must attempt to obtain the Card expiration date and forward it as part of the authorization request. You may not, after receiving a negative response or decline on an authorization request, split the sale amount into multiple transactions in order to obtain a valid authorization for each one so that the separate transactions total the original dollar amount of the sale.

B. Effect. Authorizations are not a guarantee of acceptance or payment of the Card transaction and will not waive any provision of the Cake Payfac Agreement or otherwise validate a Fraudulent Transaction or a transaction involving the use of an expired Card. Obtaining an authorization will not assure payment to you for a Card transaction. The fact that an authorization is obtained by you will not affect Cake’s, Processor’s or Member Bank’s right thereafter to revoke the authorization of a Card transaction or to charge back the transaction to you. In no event will the fact that an authorization is obtained by you be deemed to be Cake’s, Processor’s or Member Bank’s representation or warranty, either express or implied, that the particular Card transaction is in fact a valid, authorized or undisputed transaction entered into by the Cardholder.

C. Unreadable Magnetic Stripes. If you authorize and present Card transactions electronically and your terminal is unable to read the magnetic stripe on the Card, you will obtain an imprint of the Card and the Cardholder’s signature on the imprinted draft before presenting the sales draft to Member Bank, Cake and Processor for processing.

D. If an unsigned Card is presented at the point of sale, you must request that Cardholder provide proof of identification and sign the card before completing the sale. Details of the identification provided must be placed on the sales draft unless prohibited by local law. If the Cardholder refuses to do so, the sale must not be completed. In any of the following cases, you shall obtain authorization from the voice authorization center, designated or approved by Cake, Processor or Member Bank, before completing a sales transaction:

1. paper merchants whose sales exceed your floor limit as established by Cake, Processor or Member Bank, or amended from time to time;
2. an unsigned Card is presented;
3. if you believe the Card may be counterfeit or stolen or that the sale is in some other manner suspicious or unusual, you should state to the voice authorization clerk, “This is a Code 10” and await further instruction; or
4. in any other circumstances established by Cake, Processor or Member Bank or stated in the Rules and/or the Cake Payfac Agreement.

E. If you are approved to utilize batch authorization by Cake and Processor, you may obtain batch authorization for certain sales after such sales have occurred provided, however, that authorization for each transaction is obtained by end of the calendar day upon which such sale was initiated and that you do not presort the batch by account number or BIN. Further, you explicitly agree that you will be responsible for any fines, fees, chargebacks, assessments, and declined or disputed transactions that may result from using a batch authorization process.

1. Sales Drafts.

   1. Forms. You will use a sales draft to document each Card transaction. Each sales draft will be legibly imprinted with: (i) Merchant’s name, identification number, and city and state; (ii) the information embossed on the Card presented by the Cardholder (either electronically or manually); (iii) the date of the transaction (iv) a brief description of the goods or services involved; (v) the transaction authorization number; (vi) the total amount of the sale (including any applicable taxes) or credit transaction; and (vii) adjacent to the signature line, a notation that all sales are final, if applicable. If you use an electronic terminal to print sales drafts, the account number must be truncated on the cardholder copy of the sales draft. This means that only the last 4 digits of the account number may appear. The entire expiration date must be suppressed on receipts provided to cardholders.
   2. Signatures. Sales drafts must be signed by the Cardholder. The requirement for the Cardholder’s signature on the sales draft will only be waived if the Card transaction is a valid MO/TO or electronic commerce card transaction, which fully complies with the requirements set forth in the Cake Payfac Agreement, or if otherwise permitted by the Rules.
   3. Delivery and Retention of Sales Drafts. You will deliver a complete and legible copy of the sales draft or credit voucher to the Cardholder at the time of the transaction. You shall store all sales drafts and transaction records in a limited access area for at least 1 year after the date of sales. You will retain the Merchant copy of the sales draft or credit memorandum for at least 12 months following the date of completion of the transaction for Visa Card transactions, at least 18 months following the date of completion of the transaction for MasterCard Card transactions and at least 3 years following the date of completion of the transaction for Discover Network Card transactions (or such longer period as the Rules may require), which documentation must be maintained in a secure manner in accordance with your obligations under the Cake Payfac Agreement. You will submit to Cake or Processor or Member Bank a legible copy of a sales draft if any Card issuer requests such retrieval. Your deadline for providing Cake or Processor or Member Bank a legible copy of the requested sales draft will be ten (10) days after the date of the Card issuer’s retrieval request, as specified in the notice from Cake or Processor or Member Bank. Unless specifically permitted by Processor, goods and services purchased must be delivered to Cardholder at the time of sale. You shall not disclose a Cardholder’s account information or any other personal information to third parties other than your agents for the purpose of completing the transaction or as specifically required by the Laws or by the Card Network Rules.
   4. Electronic Transmission. If you utilize electronic authorization and/or data capture services, you will enter the data related to a sales or credit transaction into a computer terminal or magnetic stripe reading terminal no later than the close of business on the date the transaction is completed. If you provide your own electronic terminal or similar device, such terminals must meet Cake and Processor’s requirements for processing transactions. Information regarding a sales or credit transaction transmitted with a computer or magnetic stripe reading terminal will be transmitted by you to Cake or Processor or its agent in the form Cake or Processor from time to time specifies or as required under the Laws or Rules. If Cake or Member Bank or Processor requests a copy of a sales draft, credit voucher, or other transaction evidence, you will provide it within 3 business days following the request. If your terminal cannot successfully read the magnetic stripe, you must imprint the Card, even if it is a key entered transaction. You must imprint the Card on the same sales draft containing the remainder of the transaction information and the Cardholder signature. Failure to obtain a signed and imprinted sales draft when a transaction is not captured by swiping through a magnetic stripe reader will expose you to a chargeback regardless of the authorization that may or may not be received. Failure to read the magnetic stripe on the Card may result in a discount rate tier downgrade.
   5. Daily Settlement of Transactions. You must Batch Out each POS terminal every day. Failure to Batch Out daily will delay the deposit of funds. “Batch Out” is the process by which you total and settle all transactions, on each POS terminal, which occurred before midnight (12:00 a.m.) and transmit the information to Cake or Processor. In all cases, Merchant must present the record within 3 business days (2 business days for Electron Cards) after the transaction date, unless otherwise permitted by the Rules. Transactions contained in an untimely Batch Out may be refused, held for a 180 day period, become subject to chargeback or be transferred to a Reserve Account and held in accordance with the terms of the Cake Payfac Agreement. Merchant is responsible for resubmitting a Batch Out or ticket if the POS terminal fails to properly Batch Out or if sales ticket data does not process through the normal payment cycle. Neither Cake nor Processor is liable to Merchant for amounts not collected, including but not limited to amounts collected by Third Party Service Providers.

2. Chargebacks.

   Failure to comply with the Rules will reduce Cake or Processor or Member Bank’s ability to reverse chargebacks and increase the likelihood of your receiving a chargeback. You may be subject to a chargeback on sales for a minimum period of 180 days from the date the sale was entered into the Card Network’s processing system. Cake’s Processor may hold funds from your account to cover any chargebacks for the later of 270 days following the effective date of termination of the Cake Payfac Agreement or 180 days from the date of your last chargeback. Cake, Processor or Member Bank will mail all chargeback documentation to the address provided by you. You agree to respond promptly to all chargebacks. If Cake or Processor or Member Bank elects, at its discretion, to take action on chargebacks after the Card Network time limits have expired, such action shall be done at additional cost. You will not redeposit sales that have been previously charged back and not represented. This restriction applies whether or not the Cardholder consents to such activity. If you receive a chargeback for an international Cardholder, you are responsible for any currency conversion differences in the dollar amount. You will be charged the fee indicated on the Merchant Application for each chargeback.

3. Chargeback Reasons.

   1. Summary. The summary of reasons for chargebacks include, but are not limited to, any one of the following:
      1. an invalid Card account number submitted by you;
      2. neither the Cardholder nor a person authorized by the Cardholder received the goods or services requested;
      3. the Cardholder received the good or services but disputes the quality;
      4. the Cardholder never received credit for a returned item or a canceled order;
      5. the Cardholder was charged incorrectly;
      6. the amount of the sale exceeded the floor limit and an authorization was not obtained or was denied;
      7. the sale was authorized but not for the correct amount;
      8. the authorization code provided is invalid;
      9. the Card was expired at the time of the sale or had not reached its effective date;
      10. the sales draft was not signed. An exception will be made where MO/TO sales are permitted by Cake or Processor;
      11. the Card issuer has information that a Merchant fraud has occurred;
      12. the Card account number and the amount of sale is missing from sales draft or is illegible;
      13. the sales draft bears the imprint of a Card which to the Card Networks is a counterfeit Card because the Card is not embossed in accordance with the standards set forth in the Rules, even if the sale was authorized.

4. Chargeback Monitoring Programs.

   1. If you exceed a 1% chargeback to interchange ratio for all incoming chargebacks for a particular location you are considered an excessive chargeback merchant and may be subject to a Card Network’s monitoring programs. You are responsible for monitoring your monthly chargeback percentage and developing chargeback reduction plans as required by the Card Networks. Excessive chargeback activity for an unreasonable period of time may result in termination of the Cake Payfac Agreement. You must pay Cake or Member Bank or Processor for any fine or charge levied by the Card Networks on Cake, Member Bank, Processor or Merchant as a result of your chargeback activity. This section may be amended from time to time as a result of action by the Card Networks.
   2. Other Monitoring Programs. If you are identified by certain Card Network monitoring programs, Cake, Processor or Member Bank’s ability to reverse chargebacks may be severely restricted. Certain monitoring programs review the number of lost, stolen and counterfeit Cards accepted by you in the normal course of business and the percentage of Cards used for sales that were not read electronically by terminals or Electronic Cash Registers. The purpose of these programs is to reduce the use of lost, stolen, fraudulent, and counterfeit Cards. In the event that you are identified under these programs as exceeding the acceptable threshold value of such Cards, you may become liable for chargebacks and sales on lost, stolen, or counterfeit Cards regardless of the Card acceptance procedures followed, and the Cake Payfac Agreement may be terminated by Cake, Processor or Member Bank and/or Cake, Processor or Member Bank may immediately cease providing services to Merchant without notice.
   3. Excessive Activity. Your presentation to Cake or Processor of Excessive Activity will be a breach of the Cake Payfac Agreement and cause for immediate termination. “Excessive Activity” means, during any monthly period, and for any one of Merchant’s terminal identification numbers or Merchant Identification Numbers, chargebacks and/or retrieval requests in excess of 1% of the average monthly dollar amount of your Card transactions or returns in excess of 3% of the average monthly dollar amount of sales drafts. You authorize, upon the occurrence of Excessive Activity, Cake, Member Bank and Processor to take additional actions as either of them may deem necessary, including but not limited to suspension of processing privileges or creation or maintenance of a Reserve in accordance with the Cake Payfac Agreement.

5. Credits.

   1. Credit Memoranda. You will issue a credit memorandum, instead of making a cash advance, a disbursement or a cash refund on any Card transaction. Member Bank will debit the Merchant Account for the total face amount of each credit memorandum submitted to Cake or Processor. You will not submit a credit relating to any sales draft not originally submitted to Cake or Processor, nor will you submit a credit that exceeds the amount of the original sales draft. You will, within the time period specified by applicable law, provide Cake or Processor with a credit memorandum or credit statement for every return of goods or forgiveness of debt for services which were the subject of a Card transaction.
   2. Revocation of Credit. Cake, Member Bank or Processor may refuse to accept any sales draft or revoke its prior acceptance of a sales draft in the following circumstances: (i) the transaction giving rise to the sales draft was not made in compliance with the Cake Payfac Agreement, the Laws and the Rules; (ii) the Cardholder disputes his/her liability to Member Bank for any reason, including but not limited to those chargeback rights enumerated in the Rules; or (iii) the transaction giving rise to the sales draft was not directly between you and the Cardholder. You will pay Cake, Member Bank or Processor, as appropriate, any amount previously credited to you for a sales draft not accepted by Cake, Member Bank or Processor or, where accepted, is subsequently revoked.
   3. Returns. If you agree to credit a Cardholder for any merchandise or service that was the subject of a sale, you must provide a Credit Transaction Receipt using the same Card as in the original sale. Such credit shall not exceed the original sale amount. You shall not make any cash refund on sales. You may limit the acceptance of returned merchandise or establish a policy to make price adjustments for any sale provided proper disclosure is made and purchased goods and services are delivered to the Cardholder at the time of the sale. Proper disclosure means the words “NO REFUND,” “EXCHANGE ONLY,” or “IN STORE CREDIT ONLY” are printed in large letters near the signature line on all copies of the sales draft prior to obtaining the Cardholder’s signature on the sales draft. You may stipulate other special circumstances or terms of the sale on the sales draft. For each credit transaction, you must be able to provide Cake, Processor or Member Bank with evidence of the original purchase.
   4. Fraud and Factoring. You agree that, except as otherwise contemplated herein or otherwise permitted by Cake or Processor, you will use the services provided by Cake or Processor only for your own internal and proper business purposes and will not resell, directly or indirectly, any of the services or any portion thereof to any third party. You must deposit only transactions that directly result from Cardholder transactions at your merchant locations. You must not deposit transactions resulting from any transaction involving a Card between a Cardholder and another entity (with the exception of Payment Service Providers (PSPs or Payment Facilitators), who may deposit transactions resulting from a transaction between a Cardholder and a Sponsored Merchant of the PSP). You will not present for processing or credit, directly or indirectly, any transaction not originated as a result of a Card transaction directly between you and a Cardholder or any transaction you know or should know to be fraudulent or not authorized by the Cardholder. Perpetrators of Fraudulent Transactions will be referred to law enforcement officials. You will not sell or disclose to third parties Card account information other than in the course of performing your obligations under the Cake Payfac Agreement. You will not deposit any sales draft representing the refinancing of an existing obligation of a Cardholder. In addition to Cake’s, Processor’s and Member Bank’s ability to establish and maintain a Reserve, you agree that Processor may, within its sole discretion, suspend the disbursement of sales draft funds for any reasonable period of time required to investigate suspicious or unusual deposit activity. Upon completion of Cake’s or Processor’s investigation, Processor may transfer such sales draft funds into a Reserve. Cake, Processor and Member Bank will have no liability for any losses you may attribute to any suspension of funds disbursement. You further agree that engaging in the aforementioned activity may result in the incurrence of research fees and may be grounds for termination of the Cake Payfac Agreement.

6. Other Types of Transactions.

   1. Mail Order and Telephone Order. You may not solicit or accept mail orders or telephone orders or any transaction in which the Cardholder and Card are not present (“MO/TO”) without prior written authorization from Cake or Processor. MO/TO transactions completed without prior written consent of Cake, Processor or Member Bank will be a breach of the Cake Payfac Agreement and cause for immediate termination in addition to any other remedies available under the Laws and the Rules. You may be required to use an address verification service (“AVS”) on MO/TO transactions and are encouraged to use AVS even if not required. AVS is not a guarantee of payment and the use of AVS will not waive any provision of the Cake Payfac Agreement or validate a Fraudulent Transaction. You will obtain the expiration date of the Card for a MO/TO transaction and submit the expiration date when obtaining authorization of the Card transaction. For MO/TO transactions, you will type or print legibly on the signature line of the sales draft the following applicable words or letters: mail order or “MO” or telephone order or “TO”. If you are specifically authorized by Cake, Processor or Member Bank to accept MO/TO sales, no sale shall be submitted for processing prior to the shipping of the product or the provision of services purchased by the Cardholder. If you supply goods and/or services under a preauthorization order, you shall not charge a Cardholder for goods after receiving notice from a Cardholder that the authorization for goods or services is canceled. The shipping documents indicating the address the goods were shipped to and a signature of an individual (even Cardholder) will not normally be sufficient to reverse an Unauthorized Purchaser reason code. You assume the risk associated with accepting MO/TO sales transactions.

   2. Recurring/Quasi Cash Transactions. You may not accept transactions where the goods or services are performed periodically without Cake or Processor’s consent. If you receive such consent, you must obtain a written request from the Cardholder for such goods and services to be charged to the Cardholder’s account, the frequency of the recurring charge and the duration of time during which such charges may be made. You will not complete any recurring transaction after receiving: (i) a cancellation notice from the Cardholder, (ii) notice from Cake, Processor or Member Bank indicating that you may not accept such transaction, or (iii) a response that the Card is not to be honored. You must print legibly on the sales draft the words “Recurring Transaction”. You shall not accept sales for processing that are classified as “QuasiCash Transactions” including but not limited to the sale of casino gaming chips, money orders, opening deposits on financial or other accounts, wire transfer money orders, or the issuance of scrip. You shall not accept a Card or use a Visa and MasterCard processing terminal to issue script exchangeable for cash, products, or services as a result of a sale. You must not submit for payment into interchange any transaction that represents the refinancing or transfer of an existing Cardholder obligation that is deemed to be uncollectible, or that arises from the dishonor of a Cardholder’s personal check.

   3. Multiple Sales Drafts. You will include a description and total amount of goods and services purchased in a single sales transaction on a single sales draft or transaction record, unless: (i) partial payment is entered on the sales draft or transaction record and the balance of the transaction amount is paid in cash or by check at the time of transaction, or (ii) a sales draft represents an advance deposit in a Card transaction completed in accordance with the Cake Payfac Agreement and the Rules. If the total amount of both sales drafts exceeds the floor limit, authorization must be obtained. The use of multiple Cards for one purchase is permissible as long as an individual sales draft is used for each Card. The use of multiple sales on one Card, for one purchase, is not permitted.

   4. Deposits.

      1. Prior Consent. You will not accept for payment by Card any amount representing a deposit or partial payment for goods or services to be delivered in the future without the prior written consent of Processor. The acceptance of a Card for payment or partial payment of goods or services to be delivered in the future without prior consent will be deemed to be a breach of the Cake Payfac Agreement and cause for immediate termination in addition to any other remedies available under the Laws or Rules.
      2. Acceptance. If you have obtained prior written consent, then you will complete such Card transactions in accordance with the Cake Payfac Agreement, the Rules, and the Laws. Cardholders must execute one sales draft upon making a deposit with a Card and a second sales draft upon paying the balance. You will note upon the sales draft the words “deposit” or “balance” as appropriate. You will not deposit the sales draft labeled “balance” until the goods have been delivered to Cardholder or you have fully performed the services.

   5. Future Delivery. You will not present any sales draft or other memorandum to Member Bank or Cake or Processor for processing (whether by electronic means or otherwise) which relates to the sale of goods or services for future delivery without Cake or Processor’s prior written authorization. If Member Bank, Cake or Processor have previously given such consent, you represent and warrant to Member Bank, Cake and Processor that you will not rely on any proceeds or credit resulting from such transactions to purchase or furnish goods or services. You will maintain sufficient working capital to provide for the delivery of goods or services at the agreed upon future date independent of any credit or proceeds resulting from sales drafts or other memoranda taken in connection with future delivery transactions.

   6. Electronic Commerce Transactions.

      1. Electronic Commerce. You must obtain the consent of Cake or Processor to process electronic commerce (“EC”) transactions, and you may process such transactions only if the transactions comply with the Payment Card Industry Security Standard requirements set forth below. If you submit EC transactions without Cake or Processor’s consent, Cake or Processor may immediately terminate the Cake Payfac Agreement. You understand that transactions processed via EC are high risk and subject to a higher incidence of chargebacks. A Merchant must not refuse to complete an EC transaction using a MasterCard card solely because the Cardholder does not have a digital certificate or other secured protocol. You are liable for all chargebacks and losses related to EC transactions, whether or not: a) EC transactions have been encrypted; and/or b) you have obtained the consent of Cake or Processor to engage in such transactions. Encryption is not a guarantee of payment and will not waive any provision of the Cake Payfac Agreement or otherwise validate a Fraudulent Transaction. You are responsible for contracting with a third party payment engine, payment gateway or other Internet service provider. You must ensure that such third parties transmit sales drafts to Cake, Processor and Member Bank in an acceptable format and in compliance with the Rules, including but not limited to PCI DSS. All communication costs related to EC transactions are your responsibility. You understand that Cake or Processor will not manage the EC telecommunications link and that it is your responsibility to manage that link. All EC transactions will be settled by Member Bank into a depository institution of the United States in U.S. currency.
      2. Requirements. For goods to be shipped on EC transactions, you may obtain authorization up to 7 calendar days prior to the shipment date. You need not obtain a second authorization if the sales draft amount is within 15% of the authorized amount provided that the additional amount represents shipping costs. Further, your website must contain all of the following information: a) complete description of the goods or services offered, b) returned merchandise and refund policy, c) customer service contact, including electronic mail address and/or telephone number, d) transaction currency (such as U.S. or Canadian dollars), e) export or legal restrictions, if known, and f) delivery policy. If you store Cardholder account numbers, expiration dates, and other personal Cardholder data in a database, you must follow Card Network guidelines on securing such data.
      3. Cardholder Information Security Program. If you accept EC transactions, you must: install and maintain a working network firewall to protect data accessible via the Internet, keep security patches up-to-date, encrypt stored data and data sent over open networks, use and update anti-virus software, restrict access to data by business “need-to-know”, assign a unique ID to each person with computer access to data, not use vendor-supplied defaults for system passwords and other security parameters, track access to data by unique ID, regularly test security systems and processes, maintain a policy that addressed information security for employees and contractors, and restrict physical access to Cardholder information.
      4. Physical Address. If you accept EC transactions, your website must include the physical address of your permanent establishment, along with your country of domicile, either:
         • On the same screen view as the checkout screen used to present the total purchase amount, or
         • Within the sequence of webpages the Cardholder accesses during the checkout process.
      5. You acknowledge and agree that you will only submit Electronic Commerce Card transactions in U.S. Dollars that arise from a Cardholder’s purchase over the Internet. If software is to be purchased by you, you will be responsible for sublicensing fees and all other fees for software and the software program utilized by you that enables you to connect to and maintain communication between you, the Internet and Cake or Processor. You will, at all times, maintain in effect a sublicense agreement for any such software. You agree to use any such software and the software program properly and for the purposes for which it was intended.

   7. Third Party Service Provider Transactions.

      1. Authorization. Upon your request, Cake or Processor will provide access to authorization and/or data capture services for Third Party Service Provider transactions, such as American Express, and all settlement and chargeback obligations and similar financial responsibilities arising from your transactions involving Third Party Service Providers will be governed exclusively by your agreement with such Third Party Service Providers. You must enter into a separate agreement with such Third Party Service Providers and must abide by the terms and conditions of such Third Party Service Providers. Neither Cake nor Processor nor Member Bank are responsible for funding such transactions. The terms of the Cake Payfac Agreement will apply to Third Party Service Providers. Cake or Processor may notify you in writing of the fees applicable to Third Party Service Provider transactions. Third Party Service Providers separately invoice Merchants for their services, and their fees are not necessarily included in the Cake Payfac Agreement (including the Merchant Application). Any applicable fees and charges for third party services will be disclosed by the applicable Third Party Service Provider and may be subject to adjustment in accordance with the Third Party Service Provider’s terms and conditions. Additionally, Cake or Processor charges a transaction fee for such transactions in addition to those fees charged by Third Party Service Providers (see the merchant application). Your acceptance of cards, bearing the symbols of organizations other than the Debit Networks or the Card Organizations, such as American Express and transmission of such card transactions to Cake or Processor will constitute your agreement to the terms of the Cake Payfac Agreement with regard to such cards. Termination of the Cake Payments does not automatically terminate your agreement with Third Party Service Providers.
      2. Information. Cake, Processor and Member Bank reserve the right and you agree and consent to allow Cake, Processor and Member Bank to share your credit report and credit history with all Third Party Service Providers. Changes made to the Cake Payfac Agreement, such as address or ACH changes, do not automatically make the same changes for the Third Party Service Provider. You must contact the Third Party Service Provider to make the changes. Neither Cake nor Processor is liable or responsible for such changes. If false data is provided to Cake or Processor or the Merchant Account has had any suspected fraudulent activity, Cake and Processor reserve the right to share such false or suspected fraudulent information with other financial entities and processors.
      3. Statements. You must reconcile your sales tickets for each Third Party Service Provider’s transactions against deposits to your bank account daily. Each Third Party Service Provider provides its own statement, and you are responsible for reviewing each statement and resolving all issues regarding the transactions directly with that Third Party Service Provider. Each Third Party Service Provider sets its own rates and fees for its services, and may adjust such rates and fees in accordance with your agreement with such Third Party Service Provider.  Cake, Processor and Member Bank are not liable or responsible for these transactions and have no legal access to such transactions.
      4. JCB. The following special provisions apply (notwithstanding any contrary provision in the Cake Payfac Agreement) to your JCB Card transactions: (i) you must retain original sales drafts and credit vouchers for at least 120 days after the transaction and must retain microfilm or legible copies of sales drafts and credit vouchers for at least three (3) years after the transaction; (ii) for purposes of your chargeback liability with respect to JCB Card transactions, an Authorization obtained on a transaction does not override any chargeback reason which may apply to the item; (iii) if you process JCB Card transaction data electronically, your account number must be included in the JCB Card transaction data transmitted to us, in addition to the other information required to be included on each sales draft or credit voucher; (iv) if you are a lodging merchant, JCB Cardholders must be allowed to cancel reservations at resort establishments until 4:00 p.m. on the scheduled arrival date; and (v) by contracting for JCB settlement services, you authorize JCB to publish your name, address and telephone number in JCB solicitation materials.

   8. Age Restricted Products. If you are engaged in the sale of age restricted products such as alcoholic beverages, tobacco products, weapons and/or any other applicable age-restricted products or services, you must comply fully with all local, state and federal laws governing the distribution of age-related products. You certify herein that you will implement age verification procedures governing the sale of such products, including age verification of each customer against an official government records database before entering certain transactions into the credit card payment system. For face-to-face sales, you will require the signature of the Cardholder. To verify legal age, you will also require the Cardholder to present a valid, government-issued photo identification card in the same name and address as the Cardholder. For sales made via mail, telephone and/or the Internet, you will (1) only deliver age-restricted products to the name and address listed as belonging to the Cardholder, and (2) require, without exception, the signature of the Cardholder, as well as presentation of a valid, government-issued photo identification card in the same name and address as the card holder to verify legal age upon delivery of the merchandise. Failure to abide by all applicable age verification laws may result in fines and/or loss of credit card merchant charge privileges, as well as termination of your account with Cake, Processor and Member Bank.

   9. Cash Transactions.

   You shall not receive money from a Cardholder and subsequently prepare a credit voucher for the purpose of depositing to the Cardholder’s account. Cash disbursement by you to a Cardholder is not permitted. Additionally, you shall not make any cash advance to an employee, principal, or family member of Merchant, who is a Cardholder. You will not accept sales from Cardholders where the primary purpose of the transaction is for the provision of working capital to business and not the purchase of goods and/or services from the business.

   1. Third Parties.
      1. Services. You may be using special services or software provided by a third party to assist you in processing transactions, including authorizations and settlements, or accounting functions. You are responsible for ensuring compliance with the requirements of any third party in using their products. This includes making sure you have and comply with any software updates. You are also responsible for demonstrating compliance by your Merchant Suppliers and other Agents with the requirements of the Cardholder Information Security Program and other security requirements. Cake and Processor have no responsibility for any transaction until that point in time when Cake or Processor receives data about the transaction.
      2. Use of Terminals Provided by Others. You will notify Cake immediately if you decide to use electronic authorization or data capture terminals or software provided by any entity other than Cake or Processor or its authorized designee (“third party terminals”) to process transactions. If you elect to use third party terminals, you agree (i) the third party providing the terminals will be your agent in the delivery of Card transactions to Member Bank via a data processing network; and (ii) to assume full responsibility and liability for any failure of that third party to comply with the Rules or the Cake Payfac Agreement. Neither Cake nor Member Bank nor Processor will be responsible for any losses or additional fees incurred by you as a result of any error by a third party agent or a malfunction in a third party terminal.
   2. Vehicle Rental Authorization Procedures.
      1. Estimate. A special authorization procedure is available if you estimate the transaction amount based upon Cardholder’s intended rental length at time of rental, the applicable rental rate, tax, and/or mileage rates. Such estimated transaction amount shall not include ancillary charges representing amounts to cover potential vehicle damages or insurance deductible when Cardholder waives insurance at time of rental.
      2. Procedures. Special terminal downloads may be required in order to qualify for certain rates on Vehicle Rental transactions. You shall record on the sales draft the date, amount, and all authorization approvals obtained. You shall disclose to Cardholder the amount authorized at the time of rental. Subsequent Authorization:
         1. If no authorization was obtained at the time of rental and you, based upon Cardholder’s actual charges, later estimate that the transaction amount will exceed the applicable floor limit, you may obtain an Authorization approval code for the new estimated amount.
         2. You may obtain authorization for additional amounts (above any amount not authorized) on the car rental pickup date or prior to the car rental return date. Additional authorization is not necessary if the sales transaction does not exceed the sum of the authorized amounts plus 15% of the sum of the authorized amounts.
   3. Paper Processing Merchants.

   Paper processing merchants shall authorize by using the established floor limits. Any Merchant that wishes to accept a sales transaction that is under the established floor limits, and that is not authorized, is liable for the resulting chargebacks from those Card numbers listed on the Electronic Exception File. In the case of a Merchant depositing paper drafts, such drafts shall be deposited with Cake, Processor or Member Bank within 5 days of the sale date.

   1. Forensic Investigations.

      1. You will fully cooperate with any forensic investigation initiated by a Card Network (including but not limited to any investigation that is ongoing at the time the Cake Payfac Agreement is signed) until such time as the investigation is completed.

   2. T&E Services.

      1. Travel and Entertainment (“T&E”) Merchants. A merchant whose primary function is to provide travel related services shall be referred to as a Travel & Entertainment (“T&E”) Merchant. These include, but are not limited to, car rental, lodging, and central reservation services. A T&E Merchant may process delayed or amended charges if the Cardholder has consented to be liable for those charges. These charges may NOT include charges for loss, theft, or damage.

      2. Services. T&E Merchants may participate in any of the following Visa T&E Services:

         • Priority CheckOut Service
         • T&E Advance Deposit Service
         • T&E Cash Disbursement Service
         • Visa Reservation Service

      3. Visa Priority CheckOut Service:

         You agree to:

         1. accept all Visa Cards in accordance with the Cake Payfac Agreement;
         2. have Cardholder complete, sign, and return a Priority CheckOut Agreement (“PCO Agreement”) which includes the Cardholder’s mailing address;
         3. complete a sales draft which includes the total sales amount and the words “Priority CheckOut” on the signature line;
         4. review the completed PCO Agreement and ensure the account number matches the account number on the sales draft if applicable;
         5. comply with normal authorization and deposit requirements;
         6. at the Cardholder’s request, you must mail the sales draft copy, the itemized bill, and the signed PCO Agreement to the Cardholder within 3 business days of the Cardholder’s departure; and
         7. you must retain the itemized bill and signed PCO Agreement for a minimum of 6 months after the transaction date.

      4. T&E Advance Deposit Service:

      You agree to:

      1. accept all Visa Cards in accordance with the Cake Payfac Agreement;
      2. obtain the Cardholder name, account number, expiration date on the Card, telephone number, mailing address, scheduled date of arrival/embarkation/rental, and intended length of stay/term/rental;
      3. determine the advance deposit amount, which is the cost of the intended length of stay, cost of the cruise, or cost of the intended term of rental, not to exceed 14 days;
      4. apply the deposit amount to the total obligation;
      5. provide: (1) reservation confirmation code to the Cardholder advising that it be retained, (2) advance deposit amount, and (3) cancellation policy requirements;
      6. advise the Cardholder the accommodations will be held according to the reservation and provide written confirmation if requested;
      7. advise the Cardholder that you will retain the deposit amount if the Cardholder has not canceled the reservation within the specified time frames;
      8. you must not charge for a no show transaction;
      9. complete the sales draft including advance deposit amount, Cardholder name, mailing address, telephone number, account number, expiration date, the words “Advance Deposit” on the signature line, confirmation code, scheduled date of arrival/embarkation/rental, and the date and time the cancellation privileges, if any, expire without forfeiture;
      10. follow normal authorization procedures;
      11. mail a sales draft copy and cancellation policy to the Cardholder within 3 business days of the sales date;
      12. accept all Cardholder cancellations within the time limits specified by you;
      13. upon cancellation, you shall complete a Credit Transaction Receipt with the information set out in (ix) above and include the cancellation code. You must deposit the Credit Transaction Receipt within 5 days of the transaction date and mail a copy to the Cardholder within 3 days of the transaction date of the Credit Transaction Receipt;
      14. for a Lodging Merchant, if the reserved accommodations are unavailable, you must provide the Cardholder the following services without charge: (1) refund the entire advance deposit amount, (2) a copy of the Credit Transaction Receipt to the Cardholder, (3) comparable accommodations at an alternate establishment for the number of nights specified in the reservation not to exceed 14 nights or until the reserved accommodations become available, (4) two three-minute telephone calls, (5) message forwarding to the alternate establishment, (6) transportation to the alternate establishment and return to the original establishment and, if requested, daily transportation to and from the alternate establishment and your location; and
      15. for a Car Rental Merchant if the reserved vehicle is unavailable, you must provide the Cardholder the following services without charge: (1) refund the entire advance deposit amount, and (2) provide a comparable vehicle for the number of days specified in the reservation, not to exceed 14 days or until the reserved vehicle becomes available.
      16. for a Cruise Line Merchant if the reserved accommodations are unavailable, and no comparable accommodations are available on the ship, the Merchant may offer: (1) a comparable cruise within the same approximate sailing dates and number of sailing days specified in the reservation, (2) any extra nights’ accommodations or air fare to a different port city necessitated by the Cardholder’s acceptance of alternate accommodations. The Merchant must refund the entire T&E deposit amount, if comparable accommodations are not available or the Cardholder does not accept the offered accommodations. The Merchant must provide a credit receipt to the Cardholder and the Merchant must provide all of the following without charge, (1) one night’s hotel accommodation, if required, (2) transportation to the hotel as well as the airport, (3) Airline transportation to the airport nearest the Cardholder’s residence, (4) reasonable out-of-pocket expenses incurred by the Cardholder because the guaranteed accommodations were not available.

   e. T&E Cash Disbursement Service: You may make cash disbursement to a registered Visa Gold or Platinum Cardholder under the following conditions:

   1. Cardholder indicates at registration the intent to pay for services with a Visa Card;
   2. Before disbursement, you review positive identification, and, if permitted by applicable law, record type and number on the sales draft;
   3. You complete an 80 column Cash Disbursement sales draft or a 51 column Cash Disbursement T&E sales draft that includes the Cardholder’s positive identification or a Cash Disbursement Record;
   4. You do not disburse more than $250.00 during the Cardholder’s stay. Cash availability may limit cash disbursements; and
   5. You must not include any additional fees or charges except taxes or charges imposed by law on the transaction amount.

   F. Visa Reservation Service: Any Merchant who accepts Cards to guarantee reservations must do so in accordance with the following requirements:

   1. You must accept all Visa Cards in accordance with the Cake Payfac Agreement;
   2. You must obtain the Cardholder’s account number, expiration date, and name embossed on the Card. You must quote to Cardholder the rate of reserved accommodation, Merchant’s name and address, and the Confirmation Code advising that it be retained. Advise the Cardholder that if he/she has not checked in by checkout time the following day after his/her scheduled arrival date or the reservation was not properly canceled, the Cardholder will be billed for one night’s lodging plus applicable taxes. If requested, you will provide a written confirmation with the above information including the Visa reservation service provisions relating to the Cardholder’s obligation, and any other reservation details;
   3. You must accept all cancellations prior to the specified time. The Merchant must not require more than 72 hours cancellation notification prior to the scheduled arrival date. But, if the Cardholder makes the reservation within 72 hours of the scheduled arrival date, the cancellation deadline must be no earlier than 6:00 p.m. on the arrival date. If you require that the Cardholder cancel before 6:00 p.m. on the arrival date, you must mail the cancellation policy to the Cardholder;
   4. If the reservation is properly canceled, you must provide a cancellation code and advise the Cardholder to retain it. If requested, you must mail a confirmation of cancellation that includes the Cardholder name, account number, card expiration date, cancellation code, and details related to the canceled reservation;
   5. If Cardholder has not claimed or canceled the accommodation by the specified time, the room(s) must be held available in accordance with the reservation until checkout time the following day. You may then complete a sales draft for 1 night’s lodging plus applicable tax, indicating the Cardholder’s account number, expiration date, and name embossed on the Card and the words “No Show” on the Cardholder signature line. You must obtain an authorization code for the no show transaction;
   6. If guaranteed accommodations are unavailable, you must provide Cardholder with comparable accommodations as described in Section 14.C.xiv above. These services shall be provided at no cost to Cardholder.
   7. Health Care Transactions and Programs
      1. Preauthorized Health Care Transactions.

         1. Order Form. Merchants accepting Preauthorized Health Care Transactions must have the Cardholder complete an order form containing the following:

            1. a request for the services to be charged to the Cardholder’s account;
            2. assignment of insurance benefits to you;
            3. authorization for you to charge the Cardholder’s account for only that portion of the bill subsequent to your receipt of any applicable insurance payment;

         2. duration of time, not to exceed 1 year, for which permission is granted; and

            d. if the Preauthorized Health Care Transaction is renewed, the Cardholder must provide an updated order form.

         3. Procedures. Merchants accepting Preauthorized Health Care Transactions must:

            1. retain a copy of the order form during the period it is in effect;
            2. provide a copy of the order form upon Cake, Processor or Member Bank’s request; and
            3. type or print the words “Preauthorized Health Care” on the signature line of the sales draft; and
            4. submit a sales draft within 90 days of the service date and request authorization for the amount due upon receipt of notice of adjudication from Cardholder’s insurance company.

         4. Cancellation. You must not complete a Preauthorized Health Care Transaction after receiving a decline response or a notice of cancellation from Cardholder, Cake, Processor or Member Bank.

      2. Health Care Auto-Substantiation. Merchants participating in Health Care Auto-Substantiation must comply with the provisions of the Visa Health Care Auto-Substantiation Transactions Documents. The Merchant must also obtain a license from and be certified by SIGIS, the Special Interest Group for IIAS Standards.
      3. Health Care Eligibility Service. Merchants participating in the Health Care Eligibility Service must comply with the provisions of the Visa Health Care Eligibility Service Implementation Guide.
   8. Visa Supermarket Program

   A merchant that wishes to participate in the Visa Supermarket Incentives Program must first obtain a Supermarket Incentives Agreement with Cake, Processor or Member Bank.

   1. Telephone Services.

   A telephone service Merchant must not accept payment for a telephone call when the Card number is either entered via touchtone key pad or provided to an operator. This prohibition excludes the following:

   1. Telephone Service Transactions conducted at an Unattended Cardholder-Activated Terminal

   2. Transactions for which the Issuer has a contract with the carrier

   3. Transactions involving telephone services that have been explicitly approved by Visa and provide appropriate risk controls

   4. Telephone orders for goods and services; and

   5. Transactions provided by Inbound Teleservices Merchants, as specified in the Visa Merchant Data Standards Manual

   6. Automated Fuel Dispenser

   A. Procedures.

   1. When an Automated Fuel Dispenser (“AFD”) transaction takes place, the card must be presented and the entire, unaltered contents of either Track 1 or Track 2 of the magnetic stripe must be read and transmitted along with a value of “90” in the POS entry mode code field.
   2. The Merchant name, city, state, and zip code of the station location where the transaction took place must be included in any authorization and clearing message.
   3. A transaction receipt must be produced and the transaction must be cleared within 2 days of the transaction date.
   4. You must obtain an authorization for the exact amount of the transaction or use the status check procedure, which requires you to request an authorization for no more than $1.00.
   5. You must use the status check procedure if the floor limit is zero and the actual transaction amount is no more than the maximum set by Visa and MasterCard, which amounts are currently $125.00 for Visa transactions and $100.00 for MasterCard transactions.
   6. You must have an established self-service terminal operating plan on file with Cake, Processor or Member Bank and must establish a velocity check program that monitors the volume and frequency of account transactions.
   7. The transaction ratio of chargebacks to total Visa Interchange for Merchant must not exceed an average of 0.30% for the previous 6 months.
   8. The transaction ratio of fraud to total Visa Interchange for Merchant must not exceed an average of 0.40% for the previous 6 months.
   9. Under no circumstances should you use an arbitrary estimation of the transaction amount to obtain an authorization.
   10. An AFD must not dispense scrip.
   11. Terminals at automated fuel dispensers do not qualify for the Qualified Rate set forth on the Merchant Application. In order to qualify for the Automated Fuel Dispenser Transaction Rate the authorization must be obtained within 1 day of the transaction date and the sale must be for less than the maximum amount set by Visa and MasterCard, currently $125.00 for Visa transactions and $100.00 for MasterCard transactions.

   B. Programming. Neither Cake nor Processor is responsible for programming or reprogramming of fuel dispensers.

   1. Equipment

   If you enter into a lease or rental agreement for the use of credit card processing equipment, you understand that such agreement is separate and apart from the the Cake Payfac Agreement and is subject to the terms and conditions of the lease or rental agreement. Neither Cake, nor Processor nor Member Bank is a party to such leases and neither is affiliated with the third party institutions. Such leases are typically non-cancelable 48-month leases. Termination of the Cake Payfac Agreement with Cake does NOT automatically terminate your equipment lease, it only terminates your processing agreement with Member Bank with respect to payment card processing and any other electronic transactions that are settled through the Member Bank as designated on your monthly statement from the Member Bank. You acknowledge that you have selected the equipment set forth on the Merchant Application based upon your own independent evaluation and you are not relying upon any warranty or representation of any third party, including but not limited to the representations of a sales representative, regarding the equipment. Cake is not responsible for and is not able to provide customer service for equipment, such as POS devices, installed by and/or operated by any third party. Merchant should contact the third party for service of this equipment. Merchant shall not allow any third party to install, remove, or modify any terminal software application of Cake, Processor or Member Bank without the express written consent of Cake, Processor or Member Bank.

   1. Imprinters.

   You must be in possession of a working imprinter, a supply of blank sales drafts and an accurate imprinter plate showing your DBA name, city, state, and Merchant Identification Number. If you are not in possession of the above equipment, you must contact Cake to obtain such equipment. Failure to use the equipment and supplies listed above will seriously increase your liability for chargebacks. You must obtain an imprint of a Card when a Card will not swipe. Obtaining an imprint of a Card will greatly reduce your chance of a chargeback.

   1. Merchant Identification Number.

   You are responsible for ensuring that your Merchant Identification Number (“MID”) is kept confidential. When a change to your merchant account is required, you must disclose your MID to the Cake representative as confirmation that the person requesting the change has authority to do so. If the person requesting the change discloses the proper MID, Cake, Processor or Member Bank shall assume that person has the proper authority to make the change. You shall be fully liable for any changes to your Merchant Account after disclosure of the MID. Cake, Processor or Member Bank may request from you additional information to further verify your identity.

   1. Use of Third Party Terminals and/or Software.

   If you elect to use the terminal of a third party provider of software (such as POS or Accounting System vendors) to capture and transmit to Cake, Processor or Member Bank, you assume full responsibility and liability for any failure of such third party provider to comply with the Rules. The third party provider is the source for information regarding authorizations and reversals that may be needed by Cake, Processor or Member Bank. Certain reversals require authorization information to reverse. You are responsible for obtaining this information from the third party provider. Cake, Processor and Member Bank are not liable for sales that were not received by them. In addition, neither Cake nor Processor will not be liable for third party software or clearing of Card Network transactions.

   THE FOLLOWING RULES APPLY ONLY IF CAKE, MEMBER BANK OR PROCESSOR SETTLES YOUR DISCOVER NETWORK CARD TRANSACTIONS

   1. Discover Network Marks.

   You are prohibited from using the Discover Network Program Marks, as defined below, other than as expressly authorized in writing by Processor or Cake. “Discover Network Program Marks” mean the brands, emblems, trademarks, and/or logos that identify Discover® Network cards. Additionally, you shall not use the Discover Network Program Marks other than to display decals, signage, advertising, and other forms depicting the Discover Network Program Marks that are provided to you by Cake or Processor pursuant to the Cake Payfac Agreement or otherwise approved in advance in writing by Cake or Processor. You may use the Discover Network Program Marks only to promote the services covered by the Discover Network Program Marks by using them on decals, indoor and outdoor signs, websites, advertising materials and marketing materials; provided that all such uses by you must be approved in advance by Cake or Processor in writing. You shall not use the Discover Network Program Marks in such a way that customers could believe that the products or services offered by you are sponsored or guaranteed by the owners of the Discover Network Program Marks. You recognize that you have no ownership rights in the Discover Network Program Marks. You shall not assign to any third party any of the rights to use the Discover Network Program Marks. Your authority to use the Discover Network Program Marks will terminate immediately upon notice from Cake, Processor, Member Bank or Discover Network.

   1. Priority Check-Out Service.

   If you offer priority check-out services, you must comply with the following requirements: (i) require the Cardholder to sign the registration card at the time of check-in acknowledging responsibility for all charges, and obtain an authorization for the estimated amount of the accommodations at check-in; (ii) complete a sales draft at check-out by entering the total amount of charges incurred during the stay, including restaurant bills, telephone charges, convenience bar charges, missing item fees and miscellaneous expenses; (iii) write the words “Priority Check-out” on the Cardholder signature line of the sales draft; (iv) obtain a final authorization code for any additional amounts from the check-in estimate to equal the total amount to be billed to the Cardholder by following the normal authorization procedures; and (v) mail (at the address shown on the registration card) or otherwise deliver a copy of the sales draft and the itemized lodging bill (portfolio) to the Cardholder within seven (7) calendar days of check-out.

   1. Card Checks.

   Card checks are frequently issued to Cardholders by Discover Network. You agree to accept card checks on a basis consistent with the terms of your policy applicable to acceptance of other payment card checks. You should handle these card checks like any other personal check drawn upon a bank in the United States.

   1. Cardholder Contact.

   You must not contact any Discover Network Cardholder with respect to any matter arising under the Discover Rules, except as required or permitted in the Discover Rules.

   IN ADDITION TO THE OTHER REQUIREMENTS SET FORTH IN THIS DOCUMENT, THE FOLLOWING RULES APPLY TO PIN-DEBIT CARD TRANSACTIONS

   1. Honoring PIN-Debit Cards. You shall not require Cardholders to provide personal information (such as telephone number or address) as a condition for honoring a PIN-Debit Card, unless required by the Rules. You may not require or request the Cardholder’s signature or any other means of verifying the Cardholder’s identity. You shall place the PIN Entry Device in an area accessible by all Cardholders and that will reasonably prevent others, including Merchant employees, from observing the PIN. Any penalties incurred by you for failure to comply with Debit Network Rules will be your responsibility. You assume exclusive responsibility for the consequences of any oral or written instructions you may give to Cake, Processor and/or Member Bank, for your failure to properly access the services in the manner prescribed by Cake, Processor or Member Bank, and for your failure to supply accurate input information. You will be responsible for auditing, balancing, verifying and reconciling any out-of-balance condition, and for notifying Cake or Processor of any errors in the foregoing after receipt of the applicable report from Cake, Processor or Member Bank. You will reject all incorrect reports or output within two (2) business days after receipt of the reports or output. Note, also, that neither Cake, nor Processor nor Member Bank warrant the continuing availability of any Debit Network.
   2. PIN-Debit Card Sales Drafts.
      1. Procedures. You shall deliver to the Cardholder at the time of a sale a true and completed copy of the sales draft evidencing a sale involving use of a PIN-Debit Card (“PIN-Debit Sales Draft”). The PIN-Debit Sales Draft must comply with the Rules and Laws. The following information must be included on the PIN-Debit Sales Draft: (i) the PIN-Debit Card account number; (ii) your DBA name; (iii) your city and state; (iv) the amount of sale; and (v) the sale date. A PIN-Debit Sales Draft shall be made available to the Cardholder at each terminal. You may not require or request the Cardholder to provide or disclose their PIN in any oral or written manner to the Merchant. You shall not impose any fee or charge for a PIN-Debit Card transaction without the prior written consent of Cake, Processor or Member Bank. If surcharging is approved by Cake or Processor, it must be a separate line item on the PIN-Debit Sales Draft and must be in compliance with all Debit Networks’ rules and federal and state laws and regulations. You shall not process any sale if an authorization code is not received through the electronic terminal. When a denial to an authorization request is received, the POS transaction shall not be completed unless completed as a store and forward transaction or resubmission transaction. A sale shall not be completed if you know or should know that the sale is fraudulent or not authorized by the Cardholder.
      2. Reversal. A sale may be reversed or voided electronically, but only if such reversal/void is entered prior to midnight of the calendar day on which the sale was initiated. To effect a reversal or void, Cardholder must reenter the PIN, the magnetic stripe reader must read the card, and you must transmit the trace number and the exact dollar amount of the sale to be reversed or voided. A reversal or void must be initiated at the same Merchant identified on the PIN-Debit Sales Draft at which the original sale was initiated, but it need not be initiated at the same POS terminal.
      3. Returns. All returns shall be processed in accordance with your normal procedures except that you or Cardholder shall not attempt to reverse a previously approved POS transaction unless otherwise permitted in accordance with the Debit Network Rules. Any sale known by you to be erroneous should be canceled and re-billed in the Cardholder’s presence.
      4. Balance Inquiry. Balance inquiries may be performed only by the Cardholder at a Cardholder-operated terminal and shall at all times require the Cardholder to enter the PIN and use the magnetic stripe reader.
   3. Promotional Materials. You will adequately display promotional materials to inform the public that PIN-Debit Cards will be honored by you. All uses by you of decals, signs, printed and broadcast materials and other promotional materials must be in conformity with the requirements of the Debit Networks, Processor, and Member Bank. You will not at any time do, or cause to be done, any act or deed in any way impairing or intended to impair Cake, Processor or Member Bank’s exclusive right, title and interest in and to its respective protected marks.
   4. Reversals. You agree to pay Cake, Processor or Member Bank for any Debit Network fees, fines or charges imposed on you, Cake, Processor or Member Bank. Such reimbursement will be accomplished by the debit of the sum(s) involved from your Merchant Account. If Cake, Processor or Member Bank elects, at its discretion, to take action on reversals after the Debit Network time limits have expired, such action shall be done at additional cost. Upon request of a Debit Network, Cake, Processor, or Member Bank, you will retrieve and forward to Cake, Processor or Member Bank, within the time frame required, either the original or a readable copy of the terminal journal tape or duplicate transaction receipt for the transaction in question and, if requested, will give the Debit Network such information from such transaction records as it requests by telephone. You will, on request of the Debit Network, cooperate fully with the Debit Network and the Card issuing participant in order that the participant may comply with the error resolution procedures.
   5. Your Name and Address. All forms submitted to Cake, Processor or Member Bank must bear both your corporate and “Doing Business As” (“DBA”) name.
   6. Equipment.
      1. Use. You shall take all necessary steps to ensure that all POS Terminals and PIN Entry Devices operated in all of your locations:
         1. are placed in an area accessible by all Cardholders;
         2. are available for use whenever you are open for business;
         3. will function with minimal error, meeting all applicable technical specifications and security regulations; and
         4. will require the Cardholder to enter the Cardholder’s PIN at or near the check out location when initiating a POS transaction.
      2. Standards. A PIN Entry Device must meet the ANSI standard format X9.8, 1995 or newer requirements, as they are released. A PIN Entry Device must comply with the PCI DSS requirements for POS and PED equipment. Terminals must have a magnetic stripe reader capable of reading Track 2 on the PIN-Debit Cards. PINs used in conjunction with any store and forward transaction or your resubmission must be encrypted and stored within a tamper-resistant security module. If your authorization system is capable of store and forward, it must comply with the Debit Networks’ rules and regulations regarding this capability. Cake, Processor or Member Bank, the Issuer and the Debit Networks shall not be liable for any losses suffered by you arising from the use of the store and forward function. A PIN must never be logged in any form as a function of software either in the clear or encrypted.
   7. Supply of Information. You must submit all information requested by the Debit Networks, Cake, Processor or Member Bank, including but not limited to lists and mailing addresses of terminals. You shall not sell, purchase, provide, or exchange account number information in any form, including but not limited to, transaction receipts, carbon copies of transaction receipts, mailing lists, tapes, to any third party other than to your agents for the purpose of assisting you in your business, or to the Debit Networks, Cake, Processor or Member Bank, or pursuant to a government request.
   8. Distribution and Storage of Information. You shall not disclose a Cardholder’s account information or any other personal information to third parties other than to your agents for the purpose of completing the sale or as specifically required by law or by the Rules. You shall store in a limited access area for at least 1 year after the date of sales all transaction records, and you shall make and retain for at least 2 years the original or legible microfilm copies of both sides of all transaction records. Prior to discarding, you shall destroy or make unreadable all material containing Cardholder account numbers. There are no voice authorizations for PIN-Debit Card transactions and no manually imprinted PIN-Debit Sales Drafts. You may not store the Cardholder’s PIN in any manner.
   9. Left PIN-Debit Cards. PIN-Debit Cards that are inadvertently left at your location must be held under dual control during the time they are retained. PIN-Debit Cards inadvertently left at your location may be returned to the Cardholder by you under the following conditions: (A) the Card was inadvertently left by the Cardholder at an on-premise location, (B) the Cardholder requests the Card within 1 business day, and (C) the Cardholder provides 2 forms of current identification, at least 1 of which is a photo identification. If the Cardholder has not requested the Card within 1 business day, the Card should be destroyed by cutting it in half through the stripe.

Updated on June 1, 2020

Cake Gift Card (formerly Wallet) is a service (the “Gift Card Service”) to assist in your purchasing and/or receiving of Gift Cards for use and redemption at certain participating third-party restaurants (“Restaurant Partners”) who have partnered with Cake Corporation (fka Leapset, Inc.) (“Cake”, “we”, “us”). “Gift Card” means any physical or electronic gift card (such electronic gift card an “eGift Card”) issued by a Restaurant Partner that you have purchased or received in connection with the Gift Card Service.

YOU ACKNOWLEDGE AND AGREE THAT THE RESTAURANT PARTNERS, NOT CAKE, ARE THE ISSUERS OF GIFT CARDS MADE AVAILABLE TO YOU, HOLD ANY FUNDS RELATED TO SUCH GIFT CARDS AND ARE SOLELY RESPONSIBLE FOR HONORING THE GIFT CARDS.

Cake provides the Gift Card Service only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to any Restaurant Partner. Each applicable Restaurant Partner is solely responsible for the products and/or services provided in connection with the use or redemption of a Gift Card. Gift Cards shall be subject to the issuing Restaurant Partner terms and conditions.

The following describes the terms and conditions that apply to the purchase, use and redemption of any Restaurant Partner Gift Cards activated through  the Cake Gift Card Service. By purchasing, using or redeeming any Gift Card or by otherwise using the Gift Card Service, you agree to these Cake Gift Card Terms together with the Privacy Policy and Cake’s Consumer Terms of Use. The term “You” as used herein means the purchaser of the gift card or recipient (where applicable or relevant). Gift Card balances may be viewed at http://giftcard.cake.net/balance by entering the Gift Card number and PIN (or other applicable credentials).

I. PURCHASE.

Once you pay for and activate a Gift Card, the funds underlying the Gift Card will be held by the applicable Restaurant Partner until used. The Gift Card balances do not expire but may be subject to unclaimed property laws.

The Gift Card(s) may be subject to maximum and minimum balance amounts and set denominations. In no case may you load more than $2,000 to any Gift Card you purchase at any time or add value to a Gift Card so that the total funds loaded on a Gift Card in any single day exceed $2,000. Cake or the Restaurant Partner(s) may change any applicable maximum and minimum amounts or denominations at any time by notifying you at the point of sale, by phone, on Cake’s website(s) or the gift card purchasing portal or site (as applicable), and such change shall not constitute an amendment to these terms and conditions. The funds underlying Gift Cards are not insured by the Federal Deposit Insurance Corporation (FDIC).

When you purchase an eGift Card, Cake will email the eGift Card to the email address specified by you. Cake is not liable for any delivery failures or interceptions. To purchase an eGift Card, you must provide valid payment card information. You assume all liability for and shall pay any and all charges associated with the purchase of such eGift Cards. Except to the extent otherwise required by applicable law or stated herein, you agree that all eGift Cards purchases cannot be cancelled or refunded.

II. USE AND RISK OF LOSS.

An activated Gift Card (i) is not replaceable if lost, intercepted or stolen unless required by law; (ii) is non-transferable; and (iii) is only redeemable for products and/or services at the designated Restaurant Partner which issued the Gift Card. Purchases will be deducted/redeemed from the Gift Card balance at the applicable Restaurant Partner until the value reaches zero. If you wish to use the Gift Card in a split tender transaction, the restaurant must be notified of the amount to be deducted from the Gift Card. The Gift Card balance(s) will be available online at Cake Gift Card account at http://giftcard.cake.net/balance.

You are solely responsible for any loss caused by use of the Gift Card by you or any other person, including any use not approved or contemplated by you.

III. LIMITS.

No use or service fee is charged to you by Cake for any Gift Card and no gift card has an expiration date. A Gift Card may not be redeemed or refunded for cash except as required by law. Cake and its Restaurant Partners reserve the right to limit use of a Gift Card if there is reason to believe that the use is fraudulent or otherwise unlawful. Any Gift Card may be canceled or revoked at any time (provided that outstanding balance on the Gift Card is made available to you (eGift Card balances may be credited to the payment card account used for the purchase)) without prior notice unless prohibited by law. Resale of Gift Cards is prohibited. Gift Cards shall be subject to Restaurant Partners’ applicable terms and conditions.

IV. BALANCE CORRECTIONS.

You should monitor your Gift Card balance(s) regularly. No Restaurant Partner(s) (nor Cake) shall have no liability for any accounting error unless you provide Restaurant Partner (or Cake) notice within 45 days of the date of the transaction in question. Restaurant Partner and Cake reserve the right to make corrections to the balance of any Gift Card in the event of accounting error.

V. AMENDMENTS AND CANCELLATION.

Except to the extent not permitted by applicable law Cake may amend these terms at any time, including any rights or obligations you or we may have. As permitted by applicable law, any change will become effective at the time the amended terms are posted at our website or as otherwise stated in a notice to you.

Subject to applicable law, Cake and its Restaurant Partners may suspend or discontinue the terms of, and revoke or limit any or all of the rights granted to you related to Gift Cards issued as part of the Cake Gift Card Service at any time without notice or liability. Termination may result from fraudulent or unauthorized use of any Gift Card.

VI. RESTAURANT PARTNERS AND RESTAURANT PARTNER LIABILITY.

The balance on any Gift Card is solely the liability of the applicable Restaurant Partner. You agree that the applicable Restaurant Partner, not Cake, is the issuer of Gift Cards and that the applicable Restaurant Partner is solely responsible and liable for honoring such Gift Cards or the placement of any restrictions on such Gift Card. You agree that the applicable Restaurant Partner shall be fully responsible for any and all damages, claims, and costs (“Gift Card Claims”), related to a Gift Card that you purchase, receive  or acquire, caused in whole or in part by the Restaurant Partner or its products and services, as well as for any liability under laws, including but not limited to, any laws regulating gift certificates, gift cards, and stored value cards, including but not limited to unclaimed property liability arising from unredeemed or partially redeemed Gift Cards or by the imposition of any terms and conditions by a Restaurant Partner on its Gift Cards that violate any applicable laws or regulations. You further agree that Cake is not responsible or liable for any Restaurant Partners that go out of business or refuse to honor a gift card and you agree to  indemnify and hold harmless the Cake Entities (as defined in the Consumer Terms of Use) against any and all claims arising from your purchase and/or use of a Gift Card unless directly arising from the negligence of Cake. You agree that you purchase and/or use Gift Cards at your own risk and shall not hold Cake and Cake Entities for any act or omission of any Restaurant Partner.

By using the Gift Card Service or using or attempting to use a Gift Card, you warrant  that you will comply with these terms and all applicable laws  and that neither the Gift Cards nor the Gift Card Service  will be used in any manner that is unlawful, misleading, deceptive, unfair  or to defame, threaten or harass others.

For any and all issues or questions related to Gift Cards or products or services offered by Restaurant Partners, you must contact the applicable Restaurant Partner. Except as set forth in these terms, you must settle any disputes, and any other issues relating to Gift Cards directly with the applicable Restaurant Partner.

Updated on December 2, 2020

These POS Hardware Lease Terms (these “Lease Terms”) are a binding contract between Cake and Operator governing Operator’s lease of certain point of sale-related hardware from Cake and are effective with respect to particular Leased Hardware (as defined below) as of the date of the Order for that Leased Hardware (the “Effective Date”). These Lease Terms are incorporated by reference into the agreement between Cake and Operator that includes the Operator Terms and Conditions (the “Operator Terms”) and other terms specified in the Operator Terms as constituting part of the Agreement. Any capitalized terms not defined in these Lease Terms have the meaning specified in the Operator Terms. The parties agree as follows:

1. Lease. Cake will lease to Operator, and Operator will lease from Cake, the Leased Hardware described in the applicable Order as POS Hardware that is being leased by Cake to Operator (the “Leased Hardware”).

2. Operation. Operator will not remove the Leased Hardware from Operator’s address specified on the Account without Cake’s prior written approval. Operator will allow Cake to enter Operator’s premises at all reasonable times to locate and inspect the state and condition of the Leased Hardware. Operator will, at its expense, keep and maintain the Leased Hardware in a good state of repair, normal wear and tear excepted, and will use the Leased Hardware only for its intended purpose and follow Cake’s instructions regarding the use and maintenance of the Leased Hardware.

3. Rent. In consideration of Operator’s right to possess and use the Leased Hardware during the Lease Period (as defined below), except as otherwise agreed by the parties (as may be specified in the Account Application or applicable Order), Operator will pay the rent at the monthly rate specified in the applicable Order (“Rent”) in advance, on the first day of each calendar month during the Lease Period (with the first month’s rent, prorated, if necessary, due on the Effective Date), without any set-off, offset, abatement or deduction whatsoever in US dollars by ACH or, in to the extent permitted by Cake, credit card payment. Operator will pay interest on all late payments at the rate specified in the Operator Terms. Operator will reimburse Cake for all costs incurred in collecting any late payments, including, without limitation, attorneys’ fees. Payment of any late charge does not excuse Operator of any default under the Agreement.

4. Equipment Replacement Fee. If, at the expiration of the Lease Period, Operator has not exercised the Purchase Option (as defined below) and Operator does not return the Leased Hardware to Cake in good working order and on the terms and conditions of Section 8(b) within seven (7) days after the expiration of the Lease Period (the “Return Period”), then Operator will be responsible for and agrees to pay the equipment replacement fee(s) (plus any applicable taxes) set forth in the Equipment Replacement Fee Schedule and incorporated herein by reference. Operator hereby authorizes Cake to charge Operator’s payment card and/or Bank Account in connection with such payment immediately following expiration of the Return Period.

5. Limited Warranty. The Hardware Warranty, all limitations on the Hardware Warranty, and other warranty disclaimers in the Agreement apply to the Leased Hardware. THE REMEDIES SET FORTH IN THE OPERATOR TERMS ARE OPERATOR’S SOLE AND EXCLUSIVE REMEDIES AND CAKE’S ENTIRE LIABILITY FOR ANY BREACH OF THE HARDWARE WARRANTY.

6. Title and Risk of Loss. Title to the Leased Hardware remains with Cake throughout the Lease Period, and Operator will acquire no right, title, or interest in the Leased Hardware. Operator will not pledge or encumber the Leased Hardware in any way. Operator will bear all risk of loss, damage, destruction, theft, and condemnation to or of the Leased Hardware from any cause whatsoever (“Loss”) until the Leased Hardware has been returned to Cake (or its designated third party agent). Operator will notify Cake in writing within 10 days of any Loss. In the event of a Loss (as determined by Cake in its reasonable discretion) Operator agrees to pay the applicable equipment replacement fee(s) (plus any applicable taxes) set forth in Equipment Replacement Fee Schedule.

7. Precautionary UCC-1 Financing Statement. Operator authorizes Cake to file precautionary Uniform Commercial Code (“UCC”) financing statements and other similar filings and recordings with respect to the Leased Hardware. Operator will not file any corrective or termination statements or partial releases with respect to any UCCs or other similar filings or recordings filed by Cake in connection with the Leased Hardware except (i) if Cake fails to file a corrective or termination statement or release on request from Operator after the expiration or earlier termination of this Agreement or (ii) with Cake’s consent.

8. End-of-Term Options

(a) Option to Purchase. At the end of the Lease Period, Operator may, at its option, purchase Leased Hardware at the then-current fair market value for the Leased Hardware (the “Purchase Price”) if Operator has performed all of its responsibilities under these Lease Terms and gives written notice to Cake at least 15 days prior to the end of the applicable Lease Period (the “Purchase Option”). The “fair market value” of the Leased Equipment will be mutually agreed upon by both parties. If Operator exercises the Purchase Option but fails to pay the Purchase Price by the end of the Lease Period, the Lease Period and Operator’s obligations under the Agreement relating to the Leased Hardware (and its related authorizations to charge a designated payment card or Bank Account) will continue on a month-to-month basis until Operator pays the Purchase Price, returns the Leased Hardware to Cake in accordance with Section 8(b), or the parties enter into a new non-cancelable Lease Period covering the applicable Leased Hardware. Upon receipt by Cake of the Purchase Price payment, Cake will assign to Operator all ownership interest in the applicable Leased Equipment and the Leased Equipment will be considered Purchased Hardware for purposes of the Agreement. For clarity, the Warranty Period applicable to Leased Hardware that is purchased by Operator is deemed to have started not on the purchase date but on the date when the Leased Equipment was first delivered to Operator.

(b) Obligation to Return Leased Hardware. If Operator does not exercise the Purchase Option, Operator will, at its risk and expense: (a) deinstall, inspect, and properly pack the Leased Hardware; and (b) return the Leased Hardware, freight prepaid, to the address and/or facilities designated by Cake such that the Leased Hardware is received by Cake (or its third party agent) within seven (7) calendar days following the expiration of the Lease Period .

(c) Condition of Leased Hardware upon Return. Operator will cause the Leased Hardware returned for any reason under this Agreement to: (a) be free and clear of all liens (other than liens of Cake) and rights of third parties; (b) be in the same condition as when delivered to Operator, ordinary wear and tear excepted; (c) have all Operator’s insignia or markings removed or painted over and the areas where such markings were removed or painted over refurbished as necessary to blend with adjacent areas; and (d) be in compliance with applicable law.

9. Insurance. During the period that Operator has any Leased Hardware in its possession or control, Operator will, at its own expense, maintain and carry insurance in full force and effect with coverage limits no less than those than are customary in Operator’s industry, taking into account Operator’s size and type of operations.

10. Term and Termination. The term of these Lease Terms as applicable to Leased Equipment specified on a particular Order commences on the Effective Date and continues for the period specified in the applicable Order, unless and until earlier terminated as provided under the Agreement (the “Lease Period”). If Operator is in default of any of the terms and conditions of the Agreement, Cake, and its agents, at Operator’s risk, cost, and expense may, during normal business hours, enter Operator’s premises where the Leased Hardware is stored or used and recover the Leased Hardware.

11. General

(a) Survival. Subject to the limitations and other provisions of the Agreement, Sections 3, 4, 6, 8, 9, 10, and 11 of these Lease Terms, as well as any other provision that, in order to give proper effect to its intent, should survive such expiration or termination, will survive the expiration or earlier termination of these Lease Terms or the Agreement.

(b) Amendments. No amendment to, modification of, or rescission, termination, or discharge of these Lease Terms is effective unless it is in writing, identified as an amendment to, or rescission, termination, or discharge of these Lease Terms and signed by an authorized representative of each party.

(c) Cumulative Remedies. All rights and remedies provided in these Lease Terms are cumulative and not exclusive, and the exercise by either party of any right or remedy does not preclude the exercise of any other rights or remedies that may now or subsequently be available at law, in equity, by statute, in any other agreement between the Parties or otherwise. Notwithstanding the previous sentence, the parties intend that Operator’s rights under the Hardware Warranty are Operator’s exclusive remedies for the events specified under the Hardware Warranty.

Updated on December 2, 2020

This Hardware Return Policy and Limited Warranty applies to your purchase or lease of Cake hardware (“Cake Hardware”) and third party hardware and accessories (“Third Party Hardware,” and collectively with Cake Hardware, “POS Hardware”) from Cake. This hardware policy and warranty is incorporated by reference into the Agreement between Cake and Operator that includes the Operator POS Terms and Conditions (the “Operator Terms”) and other terms specified in the Operator Terms as constituting part of the Agreement. Any capitalized terms not defined herein have the meaning specified in the Operator Terms.

1. Return Requirements.

If Operator wishes to cancel a purchase and return UNUSED Purchased Hardware after delivery, Operator may be eligible for a refund in an amount to equal the Purchased Hardware portion of the purchase price (i.e., not set-up or shipping and handling fees) paid by Operator minus a restocking fee equal to 30% of the purchase price. To be eligible for a refund, Operator must: (a) initiate the return within 10 days of delivery of the Purchased Hardware and (b) ship the Purchased Hardware back with all original manuals, cables, materials, and packaging to the return shipping address provided by Cake and in original new condition (in original packaging with no visible damage or use).

No returns are accepted over 10 days after delivery. No refunds are provided in connection with Leased Hardware. POS Hardware set-up services (e.g., configuration) and any shipping and handling fees are non-refundable. Cake or its business partners will have the sole discretion to determine if the Purchased Hardware is “UNUSED.” Only products purchased directly from Cake can be returned to Cake. Products purchased through an authorized retail partner must be returned in accordance with their respective return policies. If we suspect Operator is abusing the return policy (for example by returning products on multiple occasions or on a seasonal basis),

Cake reserves the right to refuse the return.

iPads and other Apple product returns must be unopened. We do not accept returns of iPads or other Apple products where any part of the original packaging has been opened, broken, or altered.

Except for a Cake or vendor error, Operator is responsible for shipping charges associated with Purchased Hardware being shipped for return, exchange, or replacement. Returns must be made via an authorized shipping carrier that allows the package to be tracked. Operator is responsible for any loss or damage to Purchased Hardware during shipping of a returned unit to Cake.

2. Limited Warranty.

(a)        Period and Warranty. Cake warrants POS Hardware other than Apple products against substantial defects in materials and workmanship for a period of one year (measured from the date of original purchase for Purchased Hardware or, for Leased Hardware, measured from the date the Leased Hardware was first delivered to Operator) or the longer period as expressly agreed in the applicable Order (the “Warranty Period”). This limited warranty (the “Hardware Warranty”) extends only to Operator as original purchaser or lessor of the POS Hardware from Cake (except in the case of a Permitted Assignment (as defined in the Operator Terms)) and only for POS Hardware used connection with a Cake Service. From time to time, Cake may offer extensions on the Hardware Warranty beyond the original Warranty Period in consideration for an additional payment as specified in the applicable Order. Extensions do not affect the Hardware Warranty except with respect to the length of the Warranty Period.

(b)        Third Party Hardware. The Hardware Warranty does not apply to any Apple products, or any third party consumable parts, including batteries, or any software, even if resold or included with the POS Hardware. All Apple products resold or included by Cake is provided solely according to the warranty and other terms specified by the manufacturer, who is solely responsible for service and support for its products. For service, support, or warranty assistance of Apple products, you should contact the manufacturer directly. For example, when Apple products fail to function under normal use contact Apple support for repairs and replacements under their original manufacturers’ warranty. CAKE MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH APPLE PRODUCTS, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR CONDITION OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.

(c)        Exclusions. The Hardware Warranty will not apply to: (a) cosmetic damage, including scratches and dents, (b) defects caused by normal wear and tear or otherwise normal aging, (c) theft, loss, or acts of God, (d) damage caused by abuse, misuse, neglect, negligence, accident, improper testing, installation, storage, or handling, abnormal physical stress, abnormal environmental conditions, or use contrary to any instructions issued by Cake or the applicable documentation, (e) POS Hardware that has been repaired, upgraded or altered by Persons other than Cake or installed, operated, repaired, or maintained other than in accordance with any associated documentation provided by Cake, or (f) POS Hardware that has failed as a result of its being used with third party hardware, software, or other systems that have not been previously approved in writing by Cake. No repair or replacement will be provided under the Hardware Warranty without proof of purchase. Notwithstanding this limited warranty, it may be necessary for Operator to upgrade POS Hardware or purchase new hardware from time to time at Operator’s sole expense. This warranty does not guarantee uninterrupted use of any POS Hardware device. Neither Cake nor any of its affiliates or agents shall be liable for direct or indirect damages you may experience in connection with repairs or replacement of POS Hardware, including, but not limited to, loss of revenue or profits, downtime, damage to or replacement of equipment and property, and loss of data.

(d)    Warranty Claims and RMA Policy. If you believe your POS Hardware has a defect, please contact support@trycake.com.During the Warranty Period, subject to the Operator Terms, Cake will, in its sole discretion, and as Cake’s sole obligation and Operator’s sole remedy for breach of the Hardware Warranty, either repair the device or replace it with a new or refurbished model that is at least equivalent in functionality to the model being replaced. An equivalent product may be a previously used product which Cake has tested and verified to be free of defect. Cake will promptly review any written notice from Operator of a defect to a device under Hardware Warranty and determine whether a replacement of the device is appropriate. If a replacement has been authorized (a “Return Material Authorization”) Cake will send the replacement device via regular ground service within three (3) business days of such determination and Operator must return each device for which a replacement was received (the “RMA Device”) within seven (7) calendar days from receiving the replacement (the “RMA Period”). Return Material Authorizations expire at the end of the RMA Period. If a RMA Device is received by Cake (or its third party agent) after the expiration of the RMA Period, or does not receive it at all, Operator will be responsible for and agrees to pay the equipment replacement fee (plus any applicable taxes) set forth in Equipment Replacement Fee Schedule viewable at https://trycake.com/pages/equipment-replacement-fee-schedule and incorporated herein by reference. Operator hereby authorizes Cake to charge Operator’s payment card or Bank Account in connection with such payment following expiration of the RMA Period.

All RMA Devices must be shipped to Cake with proper packaging to the return shipping address provided by Cake. Returns must be made via an authorized shipping carrier that allows the package to be tracked. Operator is responsible for any loss of or damage to RMA Devices during shipping to Cake. All returns must be accompanied by a Return Material Authorization number issued by Cake’s Support team and any returns without the number are not valid and may be rejected and shipped back to the origin shipping address. Cake or its business partners will have the sole discretion to determine if, and to what extent, a RMA Device is defective. If an RMA Device is found to (a) not be materially defective after testing by Cake or its business partners or (b) damaged as a result of neglect, abuse or unauthorized tampering then the device does not come under this warranty and will not be considered for repair or replacement and Operator will be responsible for any applicable return shipping costs and/or the costs of any replacement unit(s) previously shipped to Operator.

Equipment (Product) - Equipment Replacement Fee

• POS Terminal $1,199.00
• POS Terminal (w/CTD) $1,399.00
• POS Power Supply $59.00
• CAKE Payment Cube $239.00
• CAKE Payment Cube USB Cable $19.00
• Thermal Printer $279.00
• Thermal Printer Power Supply $39.00
• Impact Printer $319.00
• Impact Printer Power Supply $39.00
• Router $219.00
• Router Power Supply $19.00
• Cash Drawer $79.00
• Barcode Scanner $279.00
• Access Point $199.00
• Access Point Power Supply $39.00
• iPad Mini $559.00
• iPad $31.00
• Payment Reader $119.00
• KDS 15" $799.00
• KDS 22" $879.00
• KDS Power Supply $79.00

 

Updated on July 8, 2021

Cake provides a donation widget through cake.net (the “Donation Widget”) that allows Cake’s restaurant customers (“Restaurants”) to ask for monetary gifts or contributions (“Gifts”) from cake.net users (“Gifters” or “you”). By making a gift, you agree to these Restaurant Donation Terms (which are incorporated into and made part of the Cake Consumer Terms of Use).

TO THE MAXIMUM EXTENT PERMITTED BY LAW ALL GIFTS ARE NONREFUNDABLE.

The provision of the Donation Widget is not a solicitation of donations by Cake and in connection with any Gift Cake is merely providing the technology to allow you to connect with that Restaurant. Cake does not engage in any solicitation activities or consult on the solicitation of contributions from the public, on behalf of any individual, entity, or organization.

All Gifts are at your own risk and nonrefundable. Cake does not screen any Restaurant requests for Gifts. Cake does not guarantee that your Gift will be used by a Restaurant for the purposes, or in a manner, that you may reasonably expect. In making a Gift you do so without an expectation of receiving anything in return. Cake does not endorse, make representations, or provide warranties regarding the quality, safety, morality or legality of any Restaurant donation campaign, or the truth or accuracy of content posted by Restaurants on the Donation Widget. When you make a Gift through the Donation Widget, it is your responsibility to understand how your money will be used by the Restaurant (or its agents). Further, while Cake will work with its payment processors to pay your Gift directly to the Restaurant in full, the Restaurant may be required to pay processor fees or other costs to collect the Gift. Typically, Gifts will be received the Restaurant within 2 business days.

When you contribute to a Restaurant, your card will be charged the amount of the Gift (inclusive of any applicable sales taxes) after you submit your payment information.  Gifters bear the sole responsibility for determining how to treat their Gifts for tax purposes. Cake makes no representation as to whether all or any portion of your Gift, including, if any, payment processor fees paid by Restaurant to collect your Gift, are tax deductible or eligible for tax credits and takes no responsibility for how Gifters treat or report their Gifts or for any financial consequences or regulator activities arising out of such treatment or reporting.

Cake bears no liability, and has no obligation to participate or become involved, in any dispute between Gifters and Restaurants. When you make a Gift, you release Cake from claims, damages, and demands of every kind - known and unknown, suspected or unsuspected, disclosed or undisclosed - arising out of or related to the Donation Widget.

Cake reserves the right to modify, suspend or discontinue, temporarily or permanently, the Donation Widget (or any part thereof) at any time and for any reason, with or without notice, and without any liability to you or to any third party for any claims, damages, costs, or losses resulting therefrom. Cake reserves the right, at our sole discretion, to change or modify portions of these Restaurant Donation Terms at any time with notice that is reasonable in light of the circumstances, such as by updating the Restaurant Donation Terms on any website maintained or owned by Cake related to the provision of the Donation Widget. Your continued use of the Donation Widget after the date of any such changes constitutes your acceptance of the new Restaurant Donation Terms.  Any dispute between the parties that arose before the
effective date of the change shall be governed by the terms (including any applicable arbitration clause) that was in place when the dispute arose. 

 

Updated on: July 18, 2025

These EZ Pay Flexible Payment Terms (“EZ Pay Terms”) are a binding contract between Cake Corporation, a Delaware corporation and a wholly owned subsidiary of Mad Mobile, Inc. (“Cake”, “We,” “Our,” or “Us”), and the person or entity who is agreeing to these  EZ Pay Terms (“Operator”, “You” or “Your”) governing Your participation in Cake’s EZ Pay Program (the “EZ Pay Program” or  “Program”). Capitalized terms used not defined herein will have the same meaning ascribed to them in the Operator POS Terms and Conditions (https://trycake.com/pages/operator-pos-terms) (“POS Terms”) unless otherwise expressly stated. If there is a conflict between any terms of the POS Terms (including any policy or terms incorporated by reference to the POS Terms) and the terms of these EZ Pay Terms then the terms of these EZ Pay Terms shall prevail.

EXCEPT AS PROHIBITED BY APPLICABLE LAW AND AS OTHERWISE SET FORTH IN THESE EZ PAY TERMS, THE WAIVERS AND LIMITATIONS OF LIABILITY, DISCLAIMER OF WARRANTIES, INDEMNIFICATION, AND OTHER PROVISIONS OF THE POS TERMS ARE INCORPORATED BY REFERENCE INTO THESE EZ PAY TERMS. ANY DISPUTES UNDER THESE EZ PAY TERMS SHALL BE RESOLVED IN ACCORDANCE WITH THE DISPUTE RESOLUTION AND ARBITRATION  PROVISIONS OF THE POS TERMS.

1. General. The EZ Pay Program is a flexible payment program that allows Operators to pay for CAKE POS Hardware and, if applicable, shipping and handling, taxes and onboarding services, in multiple payments made through a percentage of the credit card sales processed through Cake payments services (“Cake Payments”) over a particular lease period defined in the applicable Order (the “EZ Pay Period”). Cake collects such payments by holding back a percentage of daily credit card sales and applying it as a payment. The EZ Pay Period begins after the first successful credit card payment is collected (i.e., first cash close) following Cake’s approval of your account for the Program. Typically, an initial security deposit or down payment is also required (see Section 3.2 below). At the end of the EZ Pay Period, Cake collects any amounts due under the Order that remain unpaid. Operators have the option, but not the obligation, to purchase the POS Hardware at the end of the EZ Pay Period by applying the Deposit (defined below) in satisfaction of the purchase price.

The EZ Pay Program does not charge interest or finance charges.

Because Cake will collect payments under the EZ Pay Program through a percentage of daily credit card sales, in some cases You may pay the full balance of the amounts due prior to the end of the EZ Pay Period. At the end of the EZ Pay Period, provided You elect to own your POS Hardware and your payments under the EZ Pay Program have been collected in full, your initial security deposit will be applied to the purchase price and any Cake ownership or security interest in the POS Hardware is released automatically.

These EZ Pay Terms are effective with respect to particular POS Hardware as of the date of the Order for that POS Hardware.

2. Eligibility. Eligibility for EZ Pay Program is limited to Operators actively subscribing to Cake’s POS Services and Cake Payments. In considering Your participation in the Program Cake may review the information submitted in your Order together with any existing
information Cake may have on file with respect to Your Cake account. Operator authorizes Cake to request identity verifying information about Operator in connection with the Program.  We may decline your Order or terminate your participation in the Program at any time
prior to your receipt of the POS Hardware if we determine that you do not meet our eligibility criteria for the Program.

3. Payment Terms

3.1 Method. Operator will make the lease payments for the amount due listed on the applicable EZ Pay Order for the POS Hardware (the “Periodic Payments”) via daily deductions from the Operator’s credit card transaction proceeds processed through Cake Payments. You hereby authorize  Cake to deduct Periodic Payments through settlements  facilitated via Cake Payments. This method is elected by the Operator as a repayment convenience and does not constitute a sale or assignment of receivables. The total amount due over the EZ Pay Period is non-cancelable and Periodic Payments are non-refundable. The percentage of the Operator’s daily credit card transactions made as payment toward the total amount due shall be set forth in the applicable EZ Pay Order. Operator will reimburse Cake for
all costs incurred in collecting any late payments, including, without limitation, attorneys’ fees.

3.2 Security Deposit. You agree to pay a security deposit of 15% of the total amount due under the EZ Pay Order (the “Deposit”). At the end of the EZ Pay Period, provided that your Periodic Payments under the EZ Pay Program have been collected in full and You exercise your right to purchase the POS Hardware then the Deposit is automatically applied to the purchase option price.
If Operator elects not to exercise the right to purchase the POS Hardware, and Periodic Payments under the EZ Pay Program have been collected in full, and the POS Hardware is returned in good condition, then the Deposit shall be returned to Operator. Operator agrees the Deposit may be retained by Cake and applied toward unpaid Periodic Payments obligations or losses due to a Default or damage to the POS Hardware (normal wear and tear excepted) and any unused portion shall be refunded only upon return of POS Hardware in good condition.

3.3 Prepayment. The Operator may prepay the remaining balance at any time without penalty. If the full balance is paid before the EZ Pay Period concludes, Cake will stop deducting the daily percentage from sales.

3.4 Final Balance Collection. Upon the expiration of the EZ Pay Period or termination of these EZ Pay Terms due to Default, if the Periodic Payments made are insufficient to pay the total amount due under the Order, the balance may be charged to Your linked bank account or payment card(s).  To the extent permitted by law, Operator hereby authorizes (a) Cake’s banking partners, without prior notice and irrespective of whether a demand for payments has been made under these EZ Pay Terms, to deduct amounts corresponding to the Periodic Payments owed under the Program from the payout of funds settling from card transactions submitted by Operator through the Cake Payments and, as an alternative, (b) Cake (or an authorized third party acting as an agent of Cake) to collect the payments by charge to Operator’s applicable payment card(s) or linked Bank Account(s) associated with Operator’s CAKE account.

3.5 Taxes. All payments are subject to applicable taxes, which shall be the responsibility of the Operator.

3.6 Clarification of Payment Method Nature. The Operator acknowledges and agrees that this Program does not constitute a sale, assignment, or transfer of credit card receivables to Cake. Instead, the Operator has voluntarily elected to make payments toward its total obligation under the Program through daily deductions from credit card transaction proceeds as a convenient repayment method. The Operator may elect to satisfy its obligations under the Program through other payment methods upon written notice and mutual agreement with Cake.

4. Ownership of Hardware. Ownership of and title to the POS Hardware shall remain with Cake until the Operator fulfills the total payment obligations under the Program and elects to purchase the POS Hardware, at which time ownership transfers to the Operator. The making of Periodic Payments does not in and of itself confer any ownership rights in the POS Hardware. You may not
transfer, sell, lease, sublease, or assign the POS Hardware during the EZ Pay Period. For clarity, the warranty period applicable to POS Hardware that is purchased by Operator in connection with the EZ Pay Program is deemed to have started on the date when the POS Hardware was first delivered to Operator. If Operator does not or is ineligible to exercise the purchase option at the end of the EZ Pay Period or Operator’s participation in the Program is terminated due to Default, (a) Operator will, at its risk and expense return the POS Hardware, freight prepaid, to the address and/or facilities designated by Cake such that the hardware is received by Cake (or its third party agent) within seven (7) calendar days following the expiration of the EZ Pay Period or effective date of termination (the “Return Period”), as applicable and (b) if the POS Hardware is not returned to Cake in good working order within such Return Period then Operator will be responsible for and agrees to pay the equipment replacement fee (plus any applicable taxes) set forth in Equipment Replacement Fee Schedule viewable at https://www.trycake.com/legal/equipment-replacement-fee-schedule/ and incorporated herein by reference. Operator hereby authorizes Cake to charge such cost against the Deposit and/or Operator’s payment card and/or bank account immediately following expiration of the Return Period.

Operator will cause the POS Hardware returned for any reason under these EZ Pay Terms to: (a) be free and clear of all liens (other than liens of Cake) and rights of third parties; (b) be in the same condition as when delivered to Operator, ordinary wear and tear excepted; (c) have all Operator’s insignia or markings removed or painted over and the areas where such markings were removed or painted over refurbished as necessary to blend with adjacent areas; and (d) be in compliance with applicable law.

5. Risk of Loss. Following receipt of the POS Hardware, Operator bears the entire risk of loss, theft, or damage to the POS Hardware from any cause whatsoever until the POS Hardware has been returned to Cake (or its designated third party agent). Operator will notify Cake in writing within 10 days of any loss. In the event of such a loss (as determined by Cake in its reasonable discretion) Operator agrees to pay the remainder of the balance under the Program and Cake shall retain the Deposit in full.

6. Default and Remedies. If there is a Default under these EZ Pay Terms, Cake may pursue any remedies available under law, including recovering the POS Hardware, accelerating any unpaid balance, or suspending the Cake Services or Cake Payments services. We will give You notice of our intent to exercise our rights as required by applicable law. You agree that if You are in Default, Cake, and its agents, at Operator’s risk, cost, and expense may, during normal business hours, enter Operator’s premises where the POS Hardware is stored or used and recover the POS Hardware. You agree that Cake may offset any outstanding obligations against funds payable to You. Upon a Default, we also reserve the right to terminate these EZ Pay Terms upon written notice and/or terminate or suspend your Cake Account.

Cake shall not be liable to you for any compensation, reimbursement, or damages arising from the termination or suspension of your Cake Account, or the exercise of any remedies available to us under these EZ Pay Terms. For the purposes of these EZ Pay Terms, “Default” means (a) Operator violates these EZ Pay Terms, including by failing to make a Periodic Payment within ten (10) days after it is due; (b) Operate violates (subject any applicable cure period) other materials terms of the POS Terms or its agreement with Cake for Cake Payments and such violation directly impacts Operator’s ability to make Periodic Payments; (c) Operator terminates or loses eligible for Cake Payments services; or (d) Operates initiates a bankruptcy proceeding or other similar process is commenced. Upon termination, Cake may repossess the POS Hardware and apply any Deposit against unpaid lease obligations or damaged or unreturned POS Hardware. To the extent permitted by applicable law, if these EZ Pay Terms and your participation in the Program is terminated due to Your breach, You shall remain liable for outstanding lease payments, and Cake may pursue legal remedies to recover such amounts.

7. Limited Warranty. The Hardware Warranty, all limitations on the Hardware Warranty, and other warranty disclaimers in the Agreement apply to the POS Hardware obtained through the EZ Pay Program. THE REMEDIES SET FORTH IN THE OPERATOR TERMS ARE OPERATOR’S SOLE AND EXCLUSIVE REMEDIES AND CAKE’S ENTIRE LIABILITY FOR ANY BREACH OF THE HARDWARE WARRANTY.

8. General. All rights and remedies provided in these EZ Pay Terms are cumulative and not exclusive, and the exercise by either party of any right or remedy does not preclude the exercise of any other rights or remedies that may now or subsequently be available at law, in equity, by statute, in any other agreement between the parties or otherwise. Notwithstanding the previous sentence, the parties intend that Operator’s rights under the Hardware Warranty are Operator’s exclusive remedies for the events specified under the Hardware Warranty.

 

Last Updated: November 13, 2023

Mad Mobile, Inc. ("we," "us" the "Company") offers eligible persons the opportunity to earn rewards by recommending customers for Cake branded point of sale (“POS”) or Guest Manager (“GM”) software services. The Cake Customer Referral Program (the “Referral Program”) pays rewards in the amount of $700 for each referred POS customer and $100 for each referred GM customer (the “Referral Award”). By participating in the Referral Program, you agree to these terms.

Eligibility

The Referral Program is open to any sentient person (other than employees of the Company) that is capable of accessing and filling out the lead form at https://trycake.com/pages/cake-referral and is at least 18 years old (a “Referrer” or You”). No previous purchase or customer contract is required to be eligible as a Referrer.Referrers may not participate in the Referral Program where doing so would be prohibited by any applicable law.
To qualify for a Referral Award, the referred customer must (a) sign up for a POS or GM services account and “go live” within 3 months of receipt by Cake of the lead form information, (b) not be an Affiliate of an existing Cake customer and (c) not have initiated (directly or indirectly) the account registration process with the Company prior to and independent of the introduction to the Company via the lead form. In the event more than one person introduces the same customer to the Company then the Referral Reward will be payable to the person who submitted the referral first-in-time. “Affiliate” means a referred person that is a franchisee, parent or subsidiary company, or additional merchant location of an existing Company customer (and where Referrer is an owner of or controls such customer).

How It Works

To participate, fill out the lead form at https://trycake.com/pages/cake-referral.

If the referred customer registers for and uses a paid Cake branded point-of-sale or Guest Manager services account in a live restaurant environment for a period of 2 continuous months (the “Qualifying Period”), the Referral Award will be paid to the Referrer in the month that follows the completion of the Qualifying Period.  Payment shall be sent to the contact address provided by the Referrer.

If Referrer is an employee of the referred customer, then the Referral Reward takes the form of a discount on the prevailing Activation Fee for the applicable service applied to the account of the referred customer.

A Referrer who qualifies for a Referral Award must provide the Company with a W9 Form by emailing it to support@madmobile.com. Delays in payment as a result of failure to submit a W9 are not the responsibility of the Company. You are responsible for any and all tax reporting and tax liability related to any Referral Awards received.

Qualification of Rewards

Referral Awards are not increased or in any way calculated based on the quantity of subscription accounts, services or merchant locations which the referred customer signs up for. For example, if a referred customer signs up for more than one POS account the amount of the Referral Award is not increased. Further, additional Referral Awards are not awarded if a referred customer’s parent or subsidiary companies or franchisees subsequently sign up for a Cake account or if a referred customer becomes a Referrer.

The Company reserves the right to disqualify anyone, void, cancel or recover Referral Awards, and contact legal authorities (including law enforcement) if it discovers any person is attempting to tamper with the referral process or the operation of the Referral Program or violating these Terms or undermining the fairness, integrity or legitimate operation of the Referral Program in any way.

As between you and us, all Company decisions with respect to the Referral Program are final and binding, except where prohibited, including decisions as to whether a Referral Award is valid, when and if to terminate the Referral Program, and whether, if at all, to change the program. Any changes to the program will be communicated by update of these terms or other reasonable communication and shall become effective as of the date such communication.

Liability Releases

Except where prohibited, by participating in the Program, you agree: (1) to be bound by the decisions of the Company with respect to the Referral Program; (2) to release and hold harmless the Company together with its respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents and any person or entity associated with the production, operation or administration of the Referral Program (collectively, the "Released Parties"), from any and all claims, demands, damages, losses, liabilities, costs or expenses (including legal fees) caused by, arising out of, in connection with, or related to your participation in the Program (including, without limitation, any property loss, damage, personal injury or death caused to any person(s) and/or the awarding, receipt and/or use or misuse of the Referral Program or any Referral Award); and (3) to be contacted by the Company via e-mail.

Except where prohibited by law, the Released Parties shall not be liable for: (i) late, lost, delayed, stolen, misdirected, incomplete unreadable, inaccurate, garbled or unintelligible submissions or communications via the lead form or otherwise, regardless of the method of transmission; (ii) telephone system, telephone or computer hardware, software or other technical or computer malfunctions, lost connections, disconnections, delays or transmission errors; (iii) data corruption, theft, destruction, unauthorized access to or alteration of entry or other materials; (iv) any injuries, losses or damages of any kind resulting from acceptance, possession or use of a Referral Award, or from participation in the Referral Program; or (v) any printing, typographical, administrative or technological errors in any websites or materials associated with the Referral Program.

As a condition of entering the Referral Program, and unless prohibited by law, you agree that under no circumstances will you or any other Referrer be entitled to any awards for any losses or damages, and Referrers hereby waive all rights to claim punitive, incidental, consequential and any other damages, and waives any and all rights to have damages multiplied or otherwise increased. A waiver of rights may not apply to you in your jurisdiction of residence. Additional rights may be available to you.

Applicable Law

Except where prohibited, disputes, claims and causes of action arising out of or related to this Referral Program or any award shall be resolved under the laws of the United States, and except where prohibited, Florida law (without reference to its conflicts of laws principles), and you agree to submit any dispute to the exclusive jurisdiction of the state and federal courts located in Hillsborough County, Florida.

Privacy

You agree that any personal data that you transmit through this website and the lead form will be governed by the Privacy Policy available at https://trycake.com/policies/privacy-policy, which is hereby incorporated into these terms by reference. Referrer represents that they have secured the prior consent of the referred customer for Referrer to provide their personal information including contact information to the Company.

Miscellaneous

These terms constitute the entire agreement between you and the Company concerning your use of the Referral Program and supersedes all agreements, understandings, inducements and conditions, express or implied, oral or written, of any nature whatsoever with respect to the subject matter hereof. The express terms hereof control and supersede any course of performance and/or usage of the trade inconsistent with any of the terms hereof. Referrers may not disclose the terms, conditions or existence of any non-public aspect of the Referral Program to any third party, except to its professional advisors under a strict duty of confidentiality or as necessary to comply with law. The failure of the Company to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of these terms is found by a court of competent jurisdiction to be invalid, the Company and Referrers nevertheless agree that the court should endeavor to give effect to the intentions reflected in the provision, and that the other provisions of these terms shall remain in full force and effect. We reserve the right to modify or amend at any time these terms and the Referral Program, including the methods through which Referral Awards are earned.

*Note: This form should be completed only if you are a California resident and you believe we have collected your personal information.

California consumers have certain rights related to their personal information, including the right to opt out of the “sale” (as such term is defined under California Consumer Privacy Act (“CCPA”) of their personal information to third parties. If you are a California consumer (or an authorized agent) please fill out and complete the form to request that we not “sell” any of your personal information which CAKE may currently hold.