Terms of Service
1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of the websites and digital properties operated by Arrowhead Advisory Group LLC ("Arrowhead," "we," "our," or "us"), including arrowheadadvisorygroup.com, 0030.io, penumbrahq.com, aquiferhq.com, echelon.institute, and merchantkings.com (collectively, the "Sites").
By accessing or using any of our Sites, you represent that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them. If you do not agree, please do not use our Sites.
2. About Our Services
Arrowhead Advisory Group LLC is a payments infrastructure and advisory holding company. Our Sites provide informational content about Arrowhead and its portfolio companies, including 0030 Payments, Penumbra, AquiferHQ, Echelon, and Merchant Kings. The Sites also provide forms and interfaces through which visitors may submit inquiries, applications, and requests for information.
The information on our Sites is provided for general informational purposes. It does not constitute an offer to sell or a solicitation to purchase any product, service, security, or franchise, except where a specific commercial agreement is presented and executed separately.
3. Use of the Sites
Permitted Use
You may access and use our Sites for lawful purposes consistent with these Terms. You may not:
- Use our Sites for any illegal purpose or in violation of any applicable laws or regulations
- Attempt to gain unauthorized access to any portion of our Sites or any systems or networks connected to them
- Transmit any content that is defamatory, obscene, fraudulent, or harmful
- Use automated tools, bots, scrapers, or similar methods to access or copy content from our Sites without our prior written consent
- Impersonate Arrowhead, its personnel, or any portfolio company
- Attempt to reverse-engineer, decompile, or otherwise extract source code from our Sites
- Interfere with the operation or security of our Sites or any connected networks
Account and Application Submissions
When you submit an application, inquiry, or any information through our Sites, you represent that all information you provide is accurate, complete, and current. We reserve the right to reject or decline any application or inquiry at our sole discretion.
4. Intellectual Property
All content on our Sites, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Arrowhead Advisory Group LLC or its content suppliers and is protected by applicable intellectual property laws.
The Arrowhead Advisory Group, 0030 Payments, Penumbra, AquiferHQ, Echelon, and Merchant Kings names, logos, and marks are trademarks of Arrowhead Advisory Group LLC. All other trademarks referenced on our Sites are the property of their respective owners and are used for identification or comparative purposes only. No affiliation, sponsorship, or endorsement by any third-party trademark owner is implied.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any content from our Sites without our prior written permission, except for limited non-commercial personal use.
5. Disclaimers and No Warranties
OUR SITES AND ALL CONTENT, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH THEM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that our Sites will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on our Sites. Any reliance you place on content from our Sites is at your own risk.
References to specific features, capabilities, performance benchmarks, vertical coverage, geographic availability, or processing capacities on our Sites describe intended or current product capabilities and are subject to change without notice. We make no representations that any specific feature or capability will be available in any particular market or at any particular time.
6. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ARROWHEAD ADVISORY GROUP LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE OUR SITES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR SITES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
7. Third-Party Links and Services
Our Sites may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We have no control over the content, privacy practices, or policies of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Accessing third-party sites is at your own risk.
8. Program and Service Applications
Our Sites allow visitors to express interest in or apply to various programs and services, including the Echelon independent contractor program, Merchant Kings franchise territories, and partnership or product inquiries for Arrowhead portfolio companies.
Submission of an application or inquiry through our Sites does not constitute an offer, acceptance, or binding agreement of any kind. All program arrangements, franchise agreements, independent contractor agreements, and commercial contracts are subject to separate written agreements executed by authorized representatives of the applicable Arrowhead portfolio entity. Applicants are encouraged to review any applicable agreements with their own legal counsel prior to execution.
References on our Sites to income potential, residual earnings, or program benefits are provided for illustrative purposes only and are not guarantees of any specific outcome. Actual results will vary based on individual effort, market conditions, and other factors.
9. No Investment or Financial Advice
Nothing on our Sites constitutes investment advice, financial advice, legal advice, or any other professional advice. Content referencing payments infrastructure, portfolio companies, advisory services, or business opportunities is for informational purposes only. You should consult qualified professionals before making any financial, legal, or business decisions based on information found on our Sites.
This website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Any investment-related discussions are subject to applicable federal and state securities laws.
10. Indemnification
You agree to indemnify, defend, and hold harmless Arrowhead Advisory Group LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: (a) your access to or use of our Sites; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; or (d) any content you submit through our Sites.
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of laws principles.
Any dispute arising out of or relating to these Terms or your use of our Sites shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our Sites after any changes become effective constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
13. Contact Us
Questions about these Terms? Contact us: