Merchant Agreement

Section 1 — Who this covers

This Agreement applies to:

• Merchants: businesses using Redy to operate their point of sale
• Guests: customers who transact at a merchant location using Redy

Section 2 — The Services

Redy provides:

• Point-of-sale software (POS)
• Payment processing facilitation through North (PayAnywhere), operated by Fiserv
• Customer display and SMS receipt delivery
• Kitchen display system (KDS)
• Reporting and analytics dashboard
• Customer data management (access varies by plan — see Section 7)

Section 3 — Account Registration

You must create a Redy account to use the Services. You agree to:

• Provide accurate and complete business information
• Keep your information current at all times
• Maintain the security of your account credentials
• Notify Redy immediately of any unauthorized access

You are fully responsible for all activity under your account, whether authorized by you or not.

Section 4 — Plans and Fees

Basic Plan — Free

Includes:

• Full POS functionality
• KDS and customer display
• Order history and transaction totals
• SMS receipt delivery
• Standard reporting

Does not include:

• Guest contact data export
• Marketing tools
• Advanced analytics

PRO Plan — $97/month

Includes everything in Basic, plus:

• Full access to guest contact data (phone numbers, email) for your location
• SMS marketing tools
• Advanced analytics and customer insights
• Priority support

Fee Changes

We will give you 30 days written notice before changing any fees. Continued use after the effective date constitutes acceptance.

Section 5 — Processing Minimum and Account Closure

Processing Minimum

Merchants on the Basic Plan are expected to maintain a minimum of $1,000 USD in monthly payment processing volume through Redy. This minimum exists to ensure the platform remains viable for all merchants.

Inactivity Closure

Accounts with zero transactions for 90 consecutive days will be flagged for closure. Redy will:

1. Send a written notice to your registered email
2. Provide 15 days to respond or reactivate
3. Close the account if no response is received

Upon closure, you will have 30 days of read-only access to export your transaction history. After 30 days, data will be deleted from Redy's servers.

Section 6 — Payment Processing

Payment processing is facilitated through North (PayAnywhere), operated by Fiserv. By using Redy, you also agree to North's applicable merchant processing terms for your MID (Merchant ID).

• All payment transactions are between you and your customer. Redy is not a party to the transaction.
• You are solely responsible for chargebacks, disputes, and refunds. Redy has no liability for payment disputes.
• Redy does not store card data. All cardholder data is handled exclusively by North/Fiserv under PCI-DSS standards.
• Dual pricing (cash discount program) is available where permitted by law and configured per your North merchant agreement.

Section 7 — Data Ownership and Access

7.1 Platform Data

Aggregated, anonymized metrics generated by Redy's platform — including industry benchmarks, usage patterns, and performance analytics — are owned by Redy and may be used for any lawful business purpose, including product improvement and sale of anonymized insights to third parties.

7.2 Merchant Transaction Data

Order history, sales totals, item-level data, and other transaction records generated by your business are your data, stored and managed by Redy on your behalf. You retain ownership. Redy retains a license to store and process this data to provide the Services.

• Basic Plan: order history, totals, item counts
• PRO Plan: full transaction data including customer linkage

7.3 Guest Contact Data

Phone numbers and email addresses collected through Redy's Customer Display are collected by Redy on behalf of the merchant.

Critical rules:

• Guests provide consent to receive messages from your specific business — not from Redy or any other merchant.
• You may not add, modify, or enter guest contact information on behalf of a guest unless the guest explicitly requests it.
• You may not export, sell, or transfer guest contact data outside the Redy platform.
• You may not use guest contact data from your location to contact guests of another business.

• Basic Plan: guest count and masked data only (e.g., "--4521")
• PRO Plan: full contact data, SMS marketing tools

Section 8 — SMS Communications

Your obligations as a merchant

You must comply with all applicable laws regarding SMS communications to your customers, including the Telephone Consumer Protection Act (TCPA) and A2P 10DLC regulations. Specifically:

• Only send messages to guests who have opted in through Redy's Customer Display
• Honor all STOP requests immediately
• Only send messages relevant to the guest's relationship with your business
• Never send messages on behalf of another business

Redy handles STOP/START opt-out processing automatically.

SMS from Redy to your guests

Redy sends transactional SMS (order receipts, confirmations) on your behalf using shared or dedicated numbers depending on your plan. These messages comply with A2P 10DLC registration under the program name "Redy POS Receipts."

Section 9 — Acceptable Use

You may not use Redy to process payments for:

• Firearms, ammunition, or weapons
• Illegal substances
• Adult content or services
• Gambling
• Money transmission or aggregation services
• Any business or activity prohibited by North/Fiserv's acceptable use policy

You may not:

• Reverse engineer, copy, or resell the Redy platform
• Use Redy to compete with Redy or build a competing product
• Access other merchants' data
• Submit fraudulent transactions
• Use automated means to scrape or extract data from the platform

Section 10 — Usage Restrictions

The Redy platform is licensed to you, not sold. You receive a limited, non-exclusive, non-transferable, revocable license to use the Services for your internal business purposes only.

Section 11 — Term and Termination

By you

You may terminate your account at any time with 30 days written notice to hello@useredy.com.

By Redy

Redy may suspend or terminate your account immediately if:

• You violate any provision of this Agreement
• You submit fraudulent transactions
• Your account poses risk to the platform or other merchants
• North/Fiserv terminates or suspends your merchant processing
• You violate applicable law

Redy may terminate for any other reason with 90 days written notice.

After termination

• 30 days read-only access to export your transaction data
• After 30 days, data is deleted from Redy's servers
• Sections 7, 12, 13, 14, 15, and 16 survive termination

Section 12 — Disclaimer of Warranties

The Services are provided "as is" and "as available" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. Redy does not warrant that the Services will be uninterrupted, error-free, or secure at all times.

Section 13 — Limitation of Liability

To the maximum extent permitted by law, Redy's total liability to you for any claim arising from this Agreement shall not exceed the greater of: (A) fees paid by you to Redy in the three months preceding the claim, or (B) $500 USD.

Redy is not liable for:

• Indirect, incidental, or consequential damages
• Lost profits or revenue
• Payment disputes between you and your customers
• Chargebacks or fraud
• Internet or connectivity failures
• Actions or failures of North/Fiserv or Twilio

Section 14 — Indemnification

You agree to indemnify and hold harmless Redy, its officers, employees, and affiliates from any claims, damages, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Services
• Your violation of this Agreement
• Your violation of any law
• Claims by your customers related to your products or services
• Payment disputes or chargebacks
• Unauthorized SMS communications

Section 15 — Intellectual Property

Redy and its logo are trademarks of Kickoff Business Solutions LLC. The software, design, algorithms, and content of the Redy platform are protected by copyright and other intellectual property laws. All rights not expressly granted are reserved by Redy.

You retain ownership of your business data, menu content, and branding that you upload to the platform.

Section 16 — Governing Law and Disputes

This Agreement is governed by the laws of the State of Texas, without regard to conflict-of-law provisions.

Informal Resolution

Before initiating any legal proceeding, both parties agree to attempt informal resolution. Contact us at hello@useredy.com with a written description of your dispute. We will respond within 15 business days.

Arbitration

If informal resolution fails after 60 days, disputes will be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration will take place in Dallas, Texas, or remotely by mutual agreement.

Section 17 — General Provisions

Contact

Email: hello@useredy.com
Phone: +1 (682) 804-3699
Address: 409 Willowmore Dr, Little Elm, TX 75068
Company: Kickoff Business Solutions LLC DBA Redy