Terms & Conditions

Last Updated: August 11, 2026

Welcome to NoRate. These Terms & Conditions (“Terms”) govern your use of the NoRate website and your communications and interactions with Palm Beach Merchant Services, Inc., doing business as NoRate (“NoRate,” “we,” “us,” or “our”).

By accessing or using our website, submitting information through our website, requesting information about our services, or otherwise interacting with NoRate, you agree to these Terms.

1. About NoRate

NoRate provides merchant services, payment processing solutions, business-related services, and access to certain financing-related products and services.

Information presented on this website is provided for general informational purposes and does not constitute a guarantee that any particular product, service, financing arrangement, rate, approval, or other result will be available to you.

Certain products or services may be provided by or involve independent third-party providers and may be subject to additional eligibility requirements, applications, agreements, disclosures, underwriting requirements, terms, and conditions.

2. Use of Our Website

You agree to use the NoRate website only for lawful purposes.

You may not use our website to:

Violate any applicable law or regulation
Submit false, fraudulent, misleading, or unauthorized information
Attempt to gain unauthorized access to our systems or networks
Interfere with the operation or security of our website
Introduce malicious software, code, or other harmful technology
Use our website in a manner that infringes upon the rights of NoRate or others

We reserve the right to restrict or terminate access to our website when reasonably necessary to protect our business, customers, systems, or other users.

3. Information You Provide

When you submit information through NoRate.com, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide it.

Information submitted through our website may be used to respond to your inquiry, provide requested information, schedule consultations, provide customer service, evaluate your request for services, or otherwise communicate with you as described in our Privacy Policy.

Submission of an inquiry does not guarantee acceptance, approval, financing, pricing, or availability of any particular product or service.

4. Merchant Services

Merchant processing and related services may be subject to separate applications, agreements, underwriting requirements, pricing, restrictions, and terms established by NoRate and/or applicable service providers.

Information displayed on NoRate.com should not be interpreted as a guarantee of approval, processing rates, savings, eligibility, or other particular results.

Actual terms may vary based upon the business, transaction type, processing history, risk profile, service provider, and other relevant factors.

5. Financing and Financial Products

NoRate may provide information about, facilitate access to, or assist customers in exploring business financing, working capital, consumer financing, pay-over-time programs, or other financial products and services.

Unless expressly stated otherwise in a separate written agreement, information provided on this website does not constitute a commitment to lend, an offer of credit, or a guarantee of financing.

Financing products may be provided by independent third-party financial institutions or financing providers and may be subject to credit approval, underwriting, eligibility requirements, rates, fees, repayment terms, and separate agreements established by the applicable provider.

Submitting information or requesting information through NoRate does not guarantee approval or any particular financing terms.

6. SMS/Text Messaging Terms

NoRate offers SMS/text messaging as a convenient way for customers and prospective customers to communicate with us regarding inquiries and requested services.

SMS Program

By voluntarily opting in to receive SMS communications from NoRate (Palm Beach Merchant Services, Inc.), you agree to receive text messages from NoRate at the mobile telephone number you provide.

Messages may include:

Responses to inquiries you initiate
Requested information
Consultation scheduling
Appointment confirmations and reminders
Customer service communications
Requests for information needed to address your inquiry
Account or service-related notifications and updates

Message frequency varies.

Message and data rates may apply.

Consent to receive SMS messages is not a condition of purchasing any goods or services.

SMS Consent

You may opt in to SMS communications through forms or other consent mechanisms provided by NoRate.

When SMS consent is presented through a website form, the SMS consent option is voluntary and is not pre-selected. You may submit an inquiry without agreeing to receive SMS communications.

Your consent to receive text messages from NoRate applies only to communications from NoRate and does not constitute consent to receive text messages from third parties.

Opting Out — STOP

You may cancel SMS communications at any time by replying:

STOP

After you send STOP, you may receive a confirmation message acknowledging your opt-out request. You will no longer receive SMS messages covered by that consent unless you subsequently opt in again.

Other recognized opt-out keywords may also be honored where required by applicable messaging standards.

Help — HELP

For assistance with SMS communications, reply:

HELP

You may also contact NoRate using the contact information provided at the bottom of these Terms.

Rejoining the SMS Program

If you previously opted out and later wish to receive SMS communications again, you may opt in again using an available NoRate opt-in method.

Supported Carriers

SMS delivery is subject to your wireless carrier and network availability.

Wireless carriers are not liable for delayed or undelivered messages.

SMS Privacy

Your privacy is important to us.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors providing support services, such as customer service or messaging infrastructure, is permitted only as necessary to provide those services on our behalf.

Text messaging originator opt-in data and consent will not be shared, sold, rented, or transferred to third parties or affiliates for their marketing or promotional purposes.

For additional information regarding how NoRate collects, uses, and protects personal information, please review our Privacy Policy.

IMPORTANT: On the actual webpage, make the words Privacy Policy above a clickable link to your new Privacy Policy page.

7. Email and Other Communications

If you provide your email address or other contact information, NoRate may use that information to respond to your inquiries, provide requested information, communicate regarding services, or provide other communications permitted by applicable law.

Where required, marketing emails will include an appropriate method for unsubscribing from future marketing communications.

8. Third-Party Services

Some products or services available through NoRate may involve independent third-party providers, including financial institutions, payment processors, financing providers, technology providers, and other service providers.

Those organizations may maintain their own agreements, terms, privacy policies, eligibility requirements, and other conditions.

NoRate is not responsible for the independent practices of third parties except to the extent required by applicable law or an agreement expressly entered into by NoRate.

9. Intellectual Property

Unless otherwise indicated, the content of NoRate.com, including text, graphics, logos, designs, images, and other materials, is owned by or licensed to NoRate and is protected by applicable intellectual-property laws.

You may not reproduce, distribute, modify, publish, or commercially exploit website content without appropriate authorization.

10. Website Availability and Accuracy

We endeavor to provide accurate and useful information, but we do not guarantee that all website content will always be complete, current, accurate, or error-free.

We may modify, update, suspend, or discontinue portions of our website or services at any time.

11. Disclaimer of Warranties

To the extent permitted by applicable law, NoRate.com and the information available through it are provided on an “as is” and “as available” basis.

NoRate makes no warranties regarding uninterrupted availability, accuracy, completeness, merchant-service approval, financing approval, specific rates, savings, revenue, financial results, or other particular outcomes unless expressly provided in a separate written agreement.

12. Limitation of Liability

To the maximum extent permitted by applicable law, NoRate and its officers, employees, agents, and representatives will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from your use of, or inability to use, our website.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

13. Privacy

Your use of NoRate.com is also subject to our Privacy Policy, which describes how we collect, use, disclose, and protect personal information.

Again, make Privacy Policy a clickable link to the actual policy.

14. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, business practices, technology, or applicable requirements.

When changes are made, the Last Updated date at the top of this page will be revised.

Your continued use of the website following an update constitutes your acceptance of the revised Terms to the extent permitted by applicable law.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable federal law provides otherwise.

16. Age Restriction

You must be 18 years of age or older to use NoRate’s SMS messaging service. By opting in to receive SMS messages from NoRate, you represent and confirm that you are at least 18 years of age.

17. Contact Us

Questions regarding these Terms & Conditions may be directed to:

Palm Beach Merchant Services, Inc.
Doing Business As: NoRate

Website: NoRate.com

Email: info@norate.com

Phone: 954-287-0040

Mailing Address:
4581 Weston Rd #830
Weston, FL 33331