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Welcome to PayGaters LLC ("Company," "we," "us," or "our"). By accessing our website at paygaters.us or purchasing any of our services, you agree to be bound by these Terms of Service.

1. Nature of Services

PayGaters LLC is a Business Formation and Compliance Agency registered in the State of New Mexico, United States. We provide the following professional services:

• U.S. LLC formation and state registration filing
• EIN (Employer Identification Number) acquisition from the IRS
• Registered Agent services in the State of New Mexico
• Business compliance consultation and guidance
• Document preparation and filing assistance

Important Disclaimer: PayGaters is NOT a law firm, accounting firm, or financial institution. We do not provide legal advice, tax advice, or financial services. We are an administrative services provider that assists with business formation paperwork and regulatory filings. Clients should consult with licensed professionals for legal, tax, and financial advice.

2. Eligibility

Our services are available to individuals who are at least 18 years of age and can enter into legally binding contracts. By using our services, you represent that all information you provide is accurate, current, and complete.

3. Client Responsibilities

• Provide accurate and truthful personal information and documentation
• Comply with all applicable laws in your country of residence
• Maintain your LLC in good standing after formation
• File all required tax returns and regulatory reports
• Not use the business entity for any illegal or fraudulent purposes

4. Limitation of Liability

PayGaters LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of our services. Our total liability shall not exceed the amount paid by the client for the specific service in question.

5. Termination

We reserve the right to refuse or terminate services if we discover that a client has provided false information, is using our services for illegal purposes, or is in violation of these terms. Submission of fraudulent documents will result in immediate termination without refund.

6. Governing Law

These Terms shall be governed by the laws of the State of New Mexico, United States. Any disputes shall be resolved through binding arbitration in Albuquerque, New Mexico.

This Service Agreement ("Agreement") is entered into between PayGaters LLC ("Service Provider") and the Client ("you" or "Client") upon purchase of any service package.

1. Scope of Services

PayGaters LLC provides business formation and compliance services, including but not limited to:

• LLC Formation Package: Preparation and filing of Articles of Organization with the New Mexico Secretary of State, obtaining a Certificate of Formation, and providing a company Operating Agreement template.
• EIN Acquisition: Preparation and submission of IRS Form SS-4 to obtain an Employer Identification Number for your LLC.
• Registered Agent Service: Acting as your official registered agent in New Mexico for receipt of legal and state correspondence.
• Compliance Consultation: General guidance on maintaining your LLC in good standing with state and federal requirements.

2. What We Do NOT Provide

• Legal advice or representation
• Tax preparation, filing, or advisory services
• Financial services or regulated industries
• Guaranteed approval of any third-party application
• Immigration or visa-related services

3. Client Obligations

The Client agrees to:

• Provide accurate, complete, and truthful information for all filings
• Respond to requests for additional information within 7 business days
• Not use the formed entity for money laundering, fraud, or any illegal activity
• Maintain compliance with all applicable local and international laws
• Independently verify tax obligations with a qualified tax professional

4. Service Timeline

• LLC Formation: 3-5 business days after receipt of complete documentation
• EIN (Fast Track): 5-7 business days
• EIN (Standard): 4-6 weeks

Timelines are estimates and may vary based on government processing times, which are outside our control.

5. Fees and Payment

All fees are clearly stated at the time of purchase. Payment is due in full before service commencement. Prices are in U.S. Dollars (USD) unless otherwise stated.

6. Confidentiality

We treat all client information as strictly confidential. Personal documents and data are used solely for the purpose of completing the requested services and are handled in accordance with our Privacy Policy.

7. Indemnification

The Client agrees to indemnify and hold harmless PayGaters LLC from any claims, damages, or expenses arising from the Client's misuse of the formed business entity or violation of any applicable laws.

All services provided by PayGaters LLC are digital/administrative in nature. There are no physical products shipped.

• LLC Formation: Typically 3-5 business days after receipt of complete client documentation. Formation documents are delivered via secure email in PDF format.
• EIN Fast Track: Approximately 5-7 business days. Your EIN confirmation letter is delivered via secure email.
• EIN Standard: 4-6 weeks processing time through standard IRS channels.
• Registered Agent Service: Activated upon LLC formation and continues for the duration of your subscription.

Note: All timelines are estimates based on typical government processing times. Delays may occur due to factors outside our control, including but not limited to government backlogs, incomplete client documentation, or public holidays.

PayGaters LLC ("we," "us," or "our") is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information.

1. Information We Collect

• Identity Documents: Passport copies and government-issued ID as required by the IRS and State authorities for LLC formation and EIN acquisition.
• Personal Information: Full name, date of birth, address, email, and phone number.
• Payment Information: Processed securely through our payment processor. We do not store credit card numbers on our servers.
• Communication Records: Emails, chat messages, and support tickets related to your service.

2. How We Use Your Information

• To process and complete your LLC formation and EIN applications
• To communicate with you regarding your service status
• To comply with legal obligations and regulatory requirements
• To improve our services and customer experience

3. Data Protection

• All documents are stored in encrypted environments with restricted access
• Personal documents are shared only with relevant government bodies (IRS, Secretary of State)
• We implement industry-standard security measures including SSL encryption
• Access to client data is limited to authorized personnel only

4. Data Retention

Sensitive identity documents are purged from our active systems within 90 days of service completion. Business formation records are retained as required by law.

5. Third-Party Disclosure

We never sell, lease, or share your personal information with third-party marketing agencies. Information is shared only with government authorities as required for service fulfillment.

6. Your Rights

You have the right to request access to, correction of, or deletion of your personal data. Contact us at info@paygaters.us for any privacy-related requests.

We strive to provide excellent service. Our refund policy is designed to be fair to both our clients and our business.

1. Full Refund Eligibility

You are entitled to a full refund in the following circumstances:

• If we fail to form your LLC due to an error on our part
• If we fail to obtain your EIN due to an error on our part
• If you cancel your order before we begin processing (within 24 hours of purchase)

2. Partial Refund

A partial refund may be issued if:

• Service is partially completed but cannot be finalized due to circumstances beyond our control
• Significant delays occur beyond our estimated timelines (exceeding 2x the quoted timeline)

3. Non-Refundable Situations

Refunds will NOT be issued in the following cases:

• After the LLC has been successfully formed with the State
• After the EIN application has been submitted to the IRS
• If the IRS rejects an application due to issues with client-provided information
• If the client provides fraudulent or inaccurate documentation
• If the client fails to respond to information requests within 30 days
• Change of mind after service commencement

4. Chargeback Policy

We encourage clients to contact us directly to resolve any disputes before initiating a chargeback with their financial institution or credit card company. Filing a chargeback without first contacting us may result in suspension of services and additional administrative fees.

5. How to Request a Refund

To request a refund, please contact us at info@paygaters.us with your order number and reason for the refund request. Refund requests are processed within 5-10 business days.