Welcome to Alero Payments Group (“Alero,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, affiliate program, and related services (collectively, the “Services”). By accessing or using Alero’s website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Services.

Alero Payments Group operates as an Independent Sales Organization (ISO) that refers merchants and affiliates to third-party acquiring banks, payment processors, and other service providers. We are not a bank, card network, or processor. All processing activity is conducted by our partner institutions. Alero does not hold or control customer funds.

To use our Services, you must:

  • Be at least 18 years of age (or the legal age of majority in your jurisdiction);

  • Operate a legitimate business entity; and

  • Comply with all applicable laws, regulations, and card-brand rules.

We reserve the right to refuse, suspend, or terminate access to our Services at any time for any reason, including suspected fraud, compliance violations, or prohibited activity.

Merchants referred through Alero must complete underwriting and approval with our partnered processors or banks. Approval is not guaranteed. Alero facilitates introductions and support but is not responsible for underwriting decisions, reserves, chargebacks, or holds placed by processors or acquiring banks.

Alero may offer an Affiliate Program that allows independent agents (“Affiliates”) to refer merchants and earn commissions. By participating, Affiliates agree to the following:

  • Represent Alero and its partners accurately and in compliance with applicable laws;

  • Disclose commission structures and maintain transparency with their referrals;

  • Not engage in deceptive or prohibited marketing practices;

  • Acknowledge that commissions are subject to reconciliation and may be withheld or adjusted for chargebacks or fraudulent activity;

  • Acknowledge that Affiliates are independent contractors and not employees or agents of Alero.

Specific Affiliate Terms & Commission Schedules may apply and will govern details such as tier-levels, payout percentages, and payment timing.

You may not use Alero’s Services to process payments or refer accounts for activities that are illegal or restricted, including but not limited to:

  • Money laundering or terrorism financing;

  • Unlicensed or deceptive business practices;

  • Sale of counterfeit, illegal, or unauthorized goods or services;

  • Violations of card-brand or acquiring bank rules.

Alero reserves the right to report prohibited activity to financial partners or regulatory authorities and to terminate Services immediately.

All content on the Alero website—including logos, designs, text, and media—is owned by or licensed to Alero Payments Group. You may not reproduce, distribute, or modify any portion of the site without express written permission from Alero.

The Services are provided on an “as-is” and “as-available” basis. Alero makes no warranties of any kind, either express or implied, including any warranty of merchant approval, transaction volume, processing uptime, or profitability. Alero is not responsible for any third-party provider’s performance.

To the fullest extent permitted by law, Alero, its affiliates, officers, and partners shall not be liable for any indirect, incidental, special, or consequential damages arising from use of the Services—even if Alero has been advised of the possibility of such damages. Alero’s total liability for all claims related to these Terms shall not exceed the fees paid by you to Alero in the six months preceding the claim.

You agree to indemnify, defend, and hold harmless Alero, its officers, affiliates, and partners from any claims, liabilities, losses, damages, costs, and expenses (including attorneys’ fees) arising from your use of the Services, your violation of these Terms, or your violation of applicable law or card-brand rules.

Alero may update these Terms at any time. Updates will be posted on this page with a revised “Effective Date.” Your continued use of the Services after such changes constitutes acceptance of the new Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State]. You agree that any dispute arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the state or federal courts located in [City, State].