Terms and Conditions of Use

MMALI Financial Services LLC d/b/a WagePress

Effective Date: 07/08/2026   •   Last Updated: 07/08/2026

11011 Richmond Ave, Suite 711, Houston, TX 77042

IMPORTANT LEGAL NOTICE: These Terms are a legally binding agreement. By accessing, registering for, or using the WagePress platform, website, applications, APIs, payroll tools, tax filing tools, payment-related features, or related services, you agree to these Terms and any additional terms that apply to specific services.

These Terms and Conditions of Use ("Terms") govern access to and use of the websites, software applications, dashboards, portals, APIs, integrations, payroll tools, tax filing tools, time tracking tools, reporting tools, payment-related features, support services, content, documentation, and related technology services provided by MMALI Financial Services LLC, a Texas limited liability company, doing business as WagePress ("WagePress," "Company," "we," "us," or "our").

If you do not agree to these Terms, do not access or use the Services. If you use the Services on behalf of a business, organization, or other legal entity, you represent that you have authority to bind that entity, and that entity is legally bound by your acceptance of these Terms.

1. Legal Entity; DBA; Trademark Notice

WagePress is a trade name, assumed name, service mark, and brand name used by MMALI Financial Services LLC. WagePress is not a separate legal entity. The contracting party is MMALI Financial Services LLC d/b/a WagePress.

All rights, obligations, authorizations, consents, releases, limitations of liability, indemnities, payment obligations, and dispute resolution provisions under these Terms are between you and MMALI Financial Services LLC d/b/a WagePress, except where third-party terms or additional agreements expressly apply.

WagePress and related names, logos, product names, page designs, icons, trade dress, and service identifiers are trademarks or service marks of MMALI Financial Services LLC or its licensors. You may not use them without prior written permission, except as allowed by law.

2. Eligibility; Account Authority; Authorized Users

You must be at least eighteen (18) years old and legally capable of entering into a binding contract to use the Services.

If you create an account or use the Services for a business, you represent and warrant that you are duly authorized to act for and bind that business. You are responsible for all acts and omissions of your owners, officers, managers, employees, contractors, accountants, administrators, payroll users, invitees, and other authorized users.

You are responsible for assigning appropriate roles and permissions, disabling access for users who no longer require access, maintaining accurate administrator information, and promptly notifying WagePress of suspected unauthorized access or misuse.

WagePress may rely on instructions, approvals, submissions, signatures, authorizations, data, and communications received through your account or from your authorized users as valid, authorized, and binding.

3. Description and Scope of Services

WagePress provides a software-as-a-service platform and related technology services that may include payroll calculation tools, payroll reporting, time tracking, employee and contractor data management, tax form preparation, electronic filing, tax payment support, reporting, document storage, integrations, APIs, administrative tools, customer support, and related services.

Supported tax and payroll features may include preparation, management, or electronic filing support for federal, state, and local payroll and information reporting forms, including Forms W-2, W-3, 1099 series forms, Forms 940, 941, 944, and related forms or reports, depending on the features made available to you.

The Services may support data synchronization with third-party systems you authorize, including accounting, payroll, time tracking, banking, payment, tax, and business management platforms.

WagePress may add, modify, suspend, or discontinue features at any time, subject to applicable law and any written agreement that specifically applies to your paid subscription or order.

4. Additional Terms and Order of Precedence

Certain Services may be subject to additional agreements, authorizations, disclosures, policies, or third-party terms, including a Client Signup Agreement, Payroll Services Agreement, ACH authorization, Direct Deposit Authorization, Tax Filing Authorization, IRS authorization forms, Privacy Policy, Security Policy, Moov terms, banking partner terms, payment processor terms, or integration-specific terms.

If there is a conflict between these Terms and a separately signed written agreement between you and WagePress, the separately signed written agreement controls only for the conflicting provision and only for the specific service covered by that agreement.

If there is a conflict between these Terms and mandatory third-party payment, banking, tax authority, or government system requirements, the applicable third-party or government requirement may control to the extent required for the relevant service.

5. No Professional Advice; No Tax, Legal, Accounting, or Financial Advice

WagePress provides technology, administrative tools, transmission support, calculations, automation, and related platform functionality. WagePress does not provide legal, tax, accounting, investment, financial planning, human resources, employment law, benefits, or compliance advice.

No content, automated result, AI output, customer support response, help article, calculator, report, reminder, alert, dashboard item, or platform workflow is professional advice or a substitute for advice from a qualified attorney, CPA, enrolled agent, payroll professional, tax advisor, benefits advisor, or other professional.

You are solely responsible for determining your legal, tax, employment, payroll, reporting, payment, benefits, recordkeeping, and compliance obligations, and for consulting appropriate professionals.

6. No PEO; No Employer of Record; No Agency Except as Expressly Authorized

WagePress is not a professional employer organization (PEO), employee leasing company, staffing company, co-employer, employer of record, common-law employer, tax advisor, legal representative, fiduciary, benefits administrator, payroll trustee, bank, or money transmitter unless expressly stated in a separate written agreement and permitted by law.

You remain the sole employer, payor, payer, filer, withholding agent, reporting party, benefits sponsor, plan administrator, and responsible party for all employees, contractors, vendors, payees, tax forms, payroll decisions, employment decisions, classifications, tax deposits, filings, notices, and compliance obligations.

WagePress acts only within the limited authority you grant through the platform or applicable authorizations, such as submitting electronic filings, transmitting payment instructions, processing payroll calculations, or connecting to third-party providers.

7. Your Data, Responsibilities, and Review Obligations

You are solely responsible for the accuracy, completeness, timeliness, legality, and sufficiency of all information you submit, import, approve, transmit, or authorize through the Services, including company information, tax IDs, legal names, DBA names, addresses, bank account information, beneficial ownership information, employee data, contractor data, wage data, hours, pay rates, deductions, benefits, garnishments, tax elections, classifications, filing obligations, and payment instructions.

You must review all payroll runs, reports, tax forms, filings, payment instructions, employee information, contractor information, bank information, and related outputs before approval or submission. Submission, approval, or failure to correct information constitutes your confirmation that the information is accurate and authorized.

You are responsible for obtaining all required consents, notices, authorizations, and permissions from employees, contractors, vendors, payees, account holders, administrators, accountants, and other persons whose information is submitted to or processed through the Services.

You are responsible for complying with all federal, state, local, and foreign laws that apply to your business, payroll, workers, contractors, tax filings, payments, privacy practices, data collection, record retention, employment practices, and use of the Services.

8. Company Verification; KYB; Beneficial Ownership; Sanctions Screening

To use certain Services, you may be required to provide business identity information, ownership information, beneficial owner information, controller information, tax identification numbers, government identification, bank account information, transaction information, and other information needed for onboarding, underwriting, fraud prevention, regulatory compliance, payment processing, tax filing, or service eligibility.

You authorize WagePress, its service providers, payment processors, banking partners, verification vendors, and compliance vendors to collect, verify, process, share, and retain such information as reasonably necessary to provide the Services, satisfy legal or regulatory obligations, conduct know-your-business checks, verify bank accounts, prevent fraud, conduct sanctions screening, and manage risk.

You represent that all verification information is accurate, current, complete, and authorized. WagePress may suspend, restrict, or terminate Services if required information is missing, inaccurate, unverifiable, inconsistent, high-risk, prohibited, or otherwise unacceptable to WagePress or its service providers.

9. Payroll Processing and Tax Filing Services

When you use payroll or tax filing features, you authorize WagePress to process, calculate, store, prepare, generate, transmit, or submit payroll-related information, tax forms, reports, payment instructions, and related records based on the information and approvals you provide.

You remain solely responsible for determining whether payroll taxes, employment taxes, information returns, state filings, local filings, withholding, unemployment insurance, workers compensation, benefits, garnishments, or other obligations apply to your business or workers.

WagePress does not guarantee that any tax form, payroll filing, payment, or report will be accepted by the IRS, a state agency, a local agency, a court, a bank, a payment network, a third-party processor, or any other recipient.

You are responsible for all penalties, interest, fines, assessments, notices, audits, amended filings, corrections, rejected filings, late filings, underpayments, overpayments, misclassifications, and other consequences arising from your data, instructions, delays, funding failures, review failures, or noncompliance.

10. Government Systems; IRS and State Agency Disclaimers

Government systems, including IRS systems, state agency systems, local agency systems, portals, APIs, schemas, validation rules, authentication systems, and electronic filing programs, are not controlled by WagePress.

An electronic filing status such as accepted, received, processed, submitted, or completed may indicate only that a transmission passed certain technical or preliminary checks. It does not mean the filing is legally correct, complete, timely, audit-proof, penalty-free, or immune from correction, assessment, review, rejection, or enforcement.

WagePress is not responsible for government system outages, latency, maintenance windows, schema changes, validation changes, agency delays, agency errors, rejected transmissions, business rule changes, authentication failures, notices, penalty assessments, or agency enforcement actions.

11. Payment Services; Moov; ACH; Banking Partners; No Banking Services by WagePress

Certain payment, bank account verification, ACH, debit, credit, wallet, transfer, disbursement, payroll funding, direct deposit, payee payment, and money movement features may be provided, enabled, or supported through third-party payment infrastructure providers, including Moov Financial, Inc. ("Moov"), financial institution partners, banks, payment processors, payment networks, verification providers, and related service providers.

WagePress is not a bank, depository institution, lender, money transmitter, stored value issuer, broker, fiduciary, trustee, escrow agent, or custodian. Banking, payment processing, ACH, card, wallet, money movement, settlement, and related services may be provided by third parties and may be subject to separate third-party agreements, underwriting, review, limitations, holds, reserves, reversals, network rules, compliance requirements, and service availability.

By using payment-related Services, you agree to provide accurate business, owner, bank, account, payroll funding, employee payment, contractor payment, and transaction information; to comply with all applicable payment network rules and laws; and to authorize WagePress and its payment service providers to rely on your instructions and approvals.

ACH debits, ACH credits, payroll funding transfers, direct deposits, reversals, returns, chargebacks, rejected transfers, failed debits, insufficient funds, account closures, bank errors, payment processor delays, and network issues may cause payroll delays, tax payment delays, filing issues, employee payment delays, additional fees, or other consequences for which you are responsible unless caused solely by WagePress gross negligence or willful misconduct.

Specific ACH, direct deposit, funding, account verification, and payment authorizations may be collected in a separate agreement or platform workflow. Those authorizations are incorporated into these Terms when accepted by you.

12. Third-Party Services, Integrations, and Data Connections

The Services may connect to or interoperate with third-party products and services, including accounting software, payroll systems, time tracking systems, payment processors, banks, tax agencies, electronic filing systems, authentication providers, hosting providers, analytics tools, API providers, and support platforms.

You are responsible for authorizing, maintaining, and monitoring third-party connections. WagePress may access, import, export, sync, process, transmit, or store data from third-party services only as permitted by your settings, credentials, permissions, or authorization.

Third-party services are governed by their own terms, privacy policies, data practices, security practices, fees, limits, availability, and restrictions. WagePress does not control and is not responsible for third-party systems, outages, delays, errors, data inaccuracies, data loss, policy changes, or acts or omissions.

13. Electronic Communications; E-SIGN Consent

You consent to receive notices, disclosures, agreements, authorizations, forms, receipts, tax-related communications, payment-related communications, security notices, support messages, and other communications electronically, including through the platform, email, SMS, mobile push notification, in-app message, downloadable file, API response, or website notice.

You agree that electronic records, electronic signatures, clickwrap acceptances, checkbox consents, typed names, platform approvals, email confirmations, API submissions, and similar electronic actions have the same legal effect as paper records and handwritten signatures to the fullest extent permitted by law.

You must maintain a valid email address and access to hardware and software capable of receiving, viewing, downloading, printing, and retaining electronic records. You may withdraw electronic consent by contacting WagePress, but withdrawal may result in suspension or termination of Services that require electronic communications or electronic signatures.

You may request a paper copy of certain electronic records by contacting WagePress. WagePress may charge a reasonable fee where permitted by law, and some records may be available only electronically.

14. Privacy; Customer Data; Limited License to Process Data

You retain ownership of data you submit to the Services ("Customer Data"). You grant WagePress and its service providers a non-exclusive, worldwide, royalty-free license to host, store, copy, process, transmit, display, analyze, use, disclose, and create technical logs from Customer Data solely as reasonably necessary to provide, secure, support, improve, and maintain the Services; comply with law; prevent fraud; enforce these Terms; and fulfill authorized instructions.

WagePress processes personal information in accordance with its Privacy Policy, which is incorporated into these Terms by reference. You are responsible for providing legally required privacy notices and obtaining legally required consents from employees, contractors, vendors, payees, and other data subjects before submitting their information.

WagePress may use aggregated, anonymized, or de-identified data that does not identify you or any individual for analytics, benchmarking, product improvement, fraud prevention, security, and business purposes.

15. Confidentiality and Security

Each party may receive confidential information from the other party. Each party agrees to protect the other party's confidential information using reasonable care and to use such information only for purposes authorized by these Terms or applicable law.

WagePress uses commercially reasonable administrative, technical, and physical safeguards designed to protect Customer Data. However, no system, network, platform, transmission, or storage method is completely secure, and WagePress does not guarantee that unauthorized access, loss, misuse, or disclosure will never occur.

You are responsible for secure passwords, multi-factor authentication where available, account permissions, user access controls, endpoint security, secure internet connections, bank account controls, internal approvals, and timely review of account activity.

16. Account Security; Suspicious Activity; Fraud Prevention

You must keep login credentials, API keys, security tokens, passwords, verification codes, and authentication methods confidential and secure. You must not share credentials except with authorized users who are subject to appropriate confidentiality and security obligations.

You must promptly notify WagePress of suspected unauthorized access, compromised credentials, fraudulent activity, inaccurate bank information, unauthorized payment instructions, or any security incident affecting your use of the Services.

WagePress may suspend, delay, reject, reverse, restrict, or block access, transactions, filings, payments, data connections, or account functionality if WagePress or its service providers suspect fraud, unauthorized use, legal noncompliance, security risk, payment risk, sanctions risk, or other risk.

17. Fees, Billing, Taxes, Chargebacks, and Collections

Fees are described in your subscription plan, order form, pricing page, checkout screen, invoice, or other written pricing disclosure. You agree to pay all applicable fees, taxes, surcharges, processing fees, filing fees, payment fees, return fees, correction fees, chargeback fees, and other amounts associated with your use of the Services.

You authorize WagePress and its payment processors to charge your selected payment method, debit your authorized bank account, or invoice you for amounts due, as applicable. You are responsible for maintaining valid payment information and sufficient funds.

Unless expressly stated in writing or required by law, fees are non-refundable. Fees for filings, transmissions, payment processing, compliance checks, subscriptions, setup, and usage may be earned once initiated, submitted, processed, or made available, regardless of rejection, correction, cancellation, non-use, or customer error.

Late payments may result in suspension, termination, interest, collection costs, attorneys' fees, returned payment fees, or loss of access. Chargebacks or payment disputes submitted without first contacting WagePress may be treated as a material breach.

18. Acceptable Use and Prohibited Conduct

You may use the Services only for lawful business purposes and in accordance with these Terms. You may not use the Services to submit false, misleading, fraudulent, unauthorized, illegal, infringing, malicious, or deceptive information or instructions.

You may not use the Services to violate tax, employment, payroll, banking, payment, privacy, securities, anti-money laundering, sanctions, consumer protection, data security, intellectual property, or other laws.

You may not attempt to bypass security controls, probe or scan systems, interfere with service performance, reverse engineer software, scrape content, introduce malware, access restricted accounts or data, abuse APIs, overload systems, misuse support, or impersonate any person or entity.

You may not use the Services for any prohibited, restricted, high-risk, illegal, fraudulent, adult, gambling, cannabis, controlled substance, weapons, sanctions-related, or other activity that WagePress or its service providers prohibit or deem unacceptable.

19. AI, Automation, Calculators, and Beta Features

The Services may include automated calculations, artificial intelligence features, machine learning, tax logic, payroll logic, reminders, recommendations, summaries, classification assistance, anomaly detection, chat interfaces, or other automated tools.

AI and automated outputs may be incomplete, inaccurate, outdated, or unsuitable for your circumstances. You must independently review and verify all outputs before relying on them, approving payroll, submitting filings, making payments, communicating with workers, or taking business action.

Beta, pilot, experimental, preview, early access, or evaluation features are provided as-is, may be changed or discontinued at any time, and may be subject to additional restrictions or reduced support.

20. Intellectual Property; License Restrictions; Feedback

The Services, software, APIs, dashboards, workflows, designs, content, documentation, data models, code, algorithms, templates, trademarks, logos, service marks, and other materials are owned by WagePress, its affiliates, or licensors and are protected by intellectual property laws.

Subject to your compliance with these Terms and payment of applicable fees, WagePress grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your internal business purposes.

You may not copy, modify, distribute, sell, lease, license, reverse engineer, decompile, disassemble, create derivative works from, or exploit the Services except as expressly permitted in writing.

If you provide suggestions, ideas, feedback, requests, or recommendations, you grant WagePress a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction or compensation.

21. Data Retention, Exports, Deletion, and Backups

WagePress may retain Customer Data, logs, filings, payment records, communications, audit trails, account records, security records, tax records, and other information for as long as needed to provide the Services, comply with law, resolve disputes, maintain business records, support audits, prevent fraud, enforce agreements, or satisfy tax, payroll, payment, and regulatory obligations.

You are responsible for downloading and retaining copies of payroll records, tax filings, confirmations, reports, paystubs, employee records, contractor records, and other business records as required by law. WagePress is not your sole records custodian unless expressly agreed in writing.

Upon termination, access to data may be limited or unavailable. WagePress may delete or archive data according to its policies and legal obligations. Data deletion requests may be denied or delayed where retention is required or permitted by law.

22. Availability, Support, Maintenance, and Service Changes

WagePress will use commercially reasonable efforts to provide reliable Services, but does not guarantee uninterrupted, error-free, timely, or continuous availability.

The Services may be unavailable because of maintenance, updates, outages, third-party failures, internet issues, security events, force majeure events, government system issues, high traffic, or other causes.

Support options, hours, response times, and communication channels may vary by plan, feature, or agreement. WagePress may modify support offerings at any time unless a separate written agreement provides otherwise.

23. Disclaimers of Warranties

THE SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WAGEPRESS DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, QUIET ENJOYMENT, AND COURSE OF DEALING.

WAGEPRESS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, TIMELY, ACCURATE, COMPLETE, ACCEPTED BY ANY GOVERNMENT AGENCY, ACCEPTED BY ANY PAYMENT NETWORK, OR SUITABLE FOR YOUR SPECIFIC LEGAL, TAX, PAYROLL, EMPLOYMENT, PAYMENT, OR BUSINESS NEEDS.

YOU ARE SOLELY RESPONSIBLE FOR ANY DECISIONS, APPROVALS, FILINGS, PAYMENTS, TAX POSITIONS, EMPLOYMENT CLASSIFICATIONS, BUSINESS ACTIONS, OR RELIANCE BASED ON THE SERVICES.

24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WAGEPRESS AND ITS OWNERS, OFFICERS, DIRECTORS, MANAGERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, PAYMENT PROCESSORS, BANKING PARTNERS, HOSTING PROVIDERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES; LOST PROFITS; LOST REVENUE; LOST SAVINGS; LOST DATA; LOSS OF GOODWILL; BUSINESS INTERRUPTION; SUBSTITUTE SERVICES; TAX PENALTIES; INTEREST; FINES; ASSESSMENTS; AUDITS; REJECTED FILINGS; PAYMENT DELAYS; FAILED PAYROLL; OR OTHER SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WAGEPRESS'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO WAGEPRESS FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100).

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, WARRANTY, RESTITUTION, OR OTHERWISE, AND APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

25. Indemnification

You agree to defend, indemnify, and hold harmless WagePress and its owners, officers, directors, managers, employees, contractors, affiliates, licensors, service providers, payment processors, banking partners, hosting providers, and agents from and against any claims, demands, actions, investigations, penalties, fines, assessments, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Services; Customer Data; filings; payroll; payments; bank information; employee or contractor information; instructions; approvals; breach of these Terms; violation of law; failure to obtain consents; misclassification; late or inaccurate filings; tax obligations; employment obligations; privacy obligations; or acts or omissions of your authorized users.

WagePress may assume exclusive control of any matter subject to indemnification, and you agree to cooperate with WagePress's defense. You may not settle any claim in a manner that imposes obligations on WagePress without WagePress's prior written consent.

26. Suspension; Termination; Account Closure

WagePress may suspend, restrict, or terminate your access to the Services, in whole or in part, with or without notice, if you breach these Terms, fail to pay, create legal or regulatory risk, create payment or fraud risk, submit inaccurate or unverifiable information, misuse the Services, violate third-party terms, or if continued service would violate law or third-party provider requirements.

You may stop using the Services at any time, subject to payment obligations, pending filings, payment obligations, data retention, and any separate agreement. Account closure does not automatically cancel pending tax filings, payment instructions, payroll transactions, subscriptions, invoices, legal obligations, or record retention requirements unless confirmed by WagePress in writing.

Upon termination, your license to access the Services ends immediately. Sections that by their nature should survive termination will survive, including payment obligations, confidentiality, privacy, data retention, disclaimers, limitations of liability, indemnification, dispute resolution, and intellectual property provisions.

27. Changes to the Services or Terms

WagePress may update these Terms from time to time. Updates will be effective when posted, when presented through the platform, or on the date stated in the updated Terms, unless applicable law requires otherwise.

Your continued use of the Services after updated Terms become effective constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the Services.

WagePress may change, enhance, remove, suspend, limit, reprice, or discontinue features, plans, integrations, content, APIs, workflows, or Services at any time, subject to applicable law and any separate written agreement.

28. Governing Law; Dispute Resolution; Arbitration; Class and Jury Waivers

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

Before initiating arbitration or litigation, the parties will attempt in good faith to resolve any dispute informally by providing written notice describing the dispute and allowing thirty (30) days for resolution, unless immediate injunctive relief, collection action, or urgent legal action is reasonably necessary.

Except for claims that may be brought in small claims court, claims for injunctive or equitable relief, collection matters, or claims that cannot legally be arbitrated, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its applicable rules. The arbitration will take place in Harris County, Texas, unless the parties agree otherwise.

YOU AND WAGEPRESS WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR CONSOLIDATED PROCEEDING. CLAIMS MUST BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY.

If any portion of this arbitration or class waiver provision is found unenforceable, the unenforceable portion will be severed to the minimum extent necessary, and the remaining provisions will remain in effect. For claims not subject to arbitration, the exclusive venue will be the state or federal courts located in Harris County, Texas.

29. Notices

WagePress may provide notices through the platform, by email, by posting on the website, by mail, or through other reasonable electronic means. Notices to you are deemed given when sent, posted, or made available.

Legal notices to WagePress must be sent to MMALI Financial Services LLC d/b/a WagePress at the address listed in Section 34 and must also be emailed to support@wagepress.com. WagePress may update its notice address by posting updated Terms or other notice.

30. Force Majeure

WagePress will not be liable for delay, failure, outage, data transmission issue, payment delay, filing delay, or nonperformance caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, pandemics, government actions, agency outages, changes in law, internet failures, cloud provider outages, bank failures, payment network issues, cyberattacks, power failures, or third-party service failures.

31. Assignment; No Third-Party Beneficiaries

You may not assign or transfer these Terms, your account, or your rights or obligations without WagePress's prior written consent. WagePress may assign or transfer these Terms in connection with a merger, acquisition, reorganization, sale of assets, financing, change of control, or by operation of law.

Except for WagePress's affiliates, service providers, payment processors, banking partners, licensors, and indemnified parties, there are no third-party beneficiaries to these Terms.

32. Severability; Waiver; Interpretation

If any provision of these Terms is held invalid, illegal, or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions will remain in full force and effect.

Failure to enforce any provision is not a waiver. Section headings are for convenience only and do not affect interpretation. The word "including" means "including without limitation."

33. Entire Agreement

These Terms, together with any incorporated policies, additional terms, order forms, invoices, platform consents, signed agreements, and authorizations applicable to your use of the Services, constitute the entire agreement between you and WagePress regarding the Services and supersede prior or contemporaneous oral or written understandings regarding the same subject matter.

34. Contact Information

Questions about these Terms or legal notices may be directed to:

MMALI Financial Services LLC d/b/a WagePress

11011 Richmond Ave, Suite 711

Houston, TX 77042

United States

Email: support@wagepress.com

35. Acknowledgment

BY ACCESSING, REGISTERING FOR, OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS; THAT YOU HAVE AUTHORITY TO BIND ANY BUSINESS OR ENTITY ON WHOSE BEHALF YOU USE THE SERVICES; AND THAT THESE TERMS ARE LEGALLY BINDING.

MMALI Financial Services LLC d/b/a WagePress
11011 Richmond Ave, Suite 711, Houston, TX 77042
United States
Email: support@wagepress.com