Ridley
Sign In

Terms of Service

Last updated: April 20, 2026

These Terms of Service ("Terms") govern your access to and use of the Ridley payment processing platform ("Platform") operated by Bowen Consulting ("we," "us," or "our"), a brand of Reshapify, a company incorporated in the United States. By creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Definitions

  • "Merchant" means any individual or entity that creates an account on the Platform to accept payments.
  • "Customer" or "Payer" means any individual who makes a payment through the Platform on behalf of a Merchant.
  • "Transaction" means any payment processed through the Platform, including one-time and recurring payments.
  • "Source" means a configured payment channel (e.g., a WooCommerce store, API integration, or payment link collection).
  • "Payment Link" means a shareable URL generated by a Merchant to collect a specific payment.
  • "Subscription" means your recurring monthly agreement to access the Platform under a selected plan tier.

2. Eligibility

To use the Platform as a Merchant, you must:

  • Be at least 18 years of age
  • Have the legal authority to enter into these Terms on behalf of yourself or your organization
  • Provide accurate and complete registration information
  • Not be prohibited from using payment processing services under applicable law

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must immediately notify us of any unauthorized access or security breach at [email protected].

We reserve the right to suspend or terminate accounts that we reasonably believe are compromised, fraudulent, or in violation of these Terms.

4. Platform Services

The Platform provides Merchants with tools to:

  • Accept credit and debit card payments via integrated payment processors
  • Create and manage payment links and checkout sessions
  • Set up and manage recurring payment schedules
  • View transaction history, analytics, and reports
  • Manage products and payment catalogs
  • Connect third-party integrations (e.g., WooCommerce, accounting software)
  • Issue refunds for eligible transactions
  • Access AI-powered assistance via Ridley AI (subject to plan tier)

We are a payment facilitation platform. We are not a bank, money transmitter, or payment processor. Actual payment processing is performed by our third-party payment processor partners, each of which is subject to their own terms and conditions.

5. Subscription Plans and Fees

5.1 Plan Tiers

The Platform is offered under the following subscription plans:

  • Business — US$199 per month, includes core payment processing features, up to 5 team members, and 50 AI messages per month.
  • Professional — US$349 per month, includes all Business features plus QuickBooks integration, API access, white-label branding, priority support, unlimited team members, and 500 AI messages per month.
  • Enterprise — Custom pricing, includes all Professional features plus custom integrations, dedicated onboarding, and unlimited AI messages. Contact us for details.

Plan pricing is quoted in US Dollars (USD). We reserve the right to adjust pricing with at least thirty (30) days' written notice. Feature availability is determined by your active plan tier.

5.2 Auto-Renewal and Billing

Subscriptions are billed monthly and automatically renew at the end of each billing cycle unless cancelled before the renewal date. Your payment method on file will be charged automatically on each renewal date. You may cancel your subscription at any time through the Platform's billing settings or by contacting us. Cancellation takes effect at the end of the current billing period — no prorated refunds are provided for partial months.

5.3 Payment Processing Fees

Payment processing fees (charged per transaction by the underlying payment processor) are separate from the Platform subscription fee and are governed by the Merchant's agreement with their payment processor.

6. Payment Processing

6.1 Transaction Flow

When a Customer initiates a payment, the Platform transmits the transaction to the applicable payment processor for authorization and settlement. We record the transaction result and make it available to the Merchant through the Platform.

6.2 Supported Currencies

The Platform supports transactions in multiple currencies as configured by the payment processor. Currency availability depends on the Merchant's processor configuration.

6.3 Settlement

Settlement of funds to Merchants is handled by the payment processor under separate merchant agreements. We do not hold, escrow, or transmit funds. Settlement timing, fees, and procedures are governed by the Merchant's agreement with their payment processor.

6.4 Refunds

Merchants may issue full or partial refunds through the Platform for eligible transactions. Refund processing is subject to the policies and timelines of the underlying payment processor. We do not guarantee refund approval — the payment processor makes the final determination.

7. Recurring Payments

Merchants may set up recurring payment schedules for Customers. By configuring a recurring payment, the Merchant represents that they have obtained proper authorization from the Customer. Merchants are responsible for managing, pausing, resuming, and canceling subscriptions as appropriate.

8. AI-Powered Features

The Platform includes an AI assistant ("Ridley AI") that may be used to generate insights, answer questions, and assist with platform operations. AI features are subject to usage limits based on your plan tier. AI-generated responses are provided for informational purposes only and should not be relied upon as legal, financial, or professional advice. AI interactions may be processed by third-party AI service providers and are not guaranteed to be accurate or complete.

9. Prohibited Activities

You agree not to use the Platform to:

  • Process fraudulent, unauthorized, or illegal transactions
  • Sell or distribute illegal goods or services
  • Violate any applicable law, regulation, or card network rule
  • Process transactions for which you do not have a legitimate business relationship with the customer
  • Attempt to circumvent security measures, rate limits, or access controls
  • Use the Platform for money laundering, terrorist financing, or other financial crimes
  • Interfere with the Platform's operation or other users' access
  • Reverse-engineer, decompile, or disassemble any part of the Platform
  • Share API keys, webhook secrets, or other credentials with unauthorized parties
  • Process transactions on behalf of third parties without authorization

We reserve the right to immediately suspend or terminate accounts engaged in prohibited activities and report such activity to relevant authorities.

10. Data and Privacy

Your use of the Platform is subject to our Privacy Policy, which describes how we collect, use, and protect your information. By using the Platform, you consent to the practices described in the Privacy Policy.

As a Merchant, you are responsible for your own compliance with applicable data protection laws — including the Jamaica Data Protection Act, 2020, the General Data Protection Regulation (GDPR), and other applicable privacy laws — with respect to the customer data you collect through the Platform.

11. Intellectual Property

The Platform, including its design, features, code, documentation, and branding, is the property of Bowen Consulting and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works of any part of the Platform without our prior written consent.

You retain ownership of your business data (transaction records, customer information) as processed through the Platform.

12. API and Integrations

Access to the Platform's API is subject to rate limits and usage guidelines. API keys and webhook secrets are confidential and must not be shared publicly or embedded in client-side code. We reserve the right to revoke API access for misuse or excessive usage.

13. Service Availability

We use commercially reasonable efforts to maintain high availability of the Platform. However, we do not guarantee uninterrupted service. The Platform may be temporarily unavailable for scheduled maintenance (with reasonable advance notice), emergency maintenance, or circumstances beyond our control. We are not liable for losses resulting from service interruptions.

14. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED SERVICE. WE DO NOT WARRANT THAT THE PLATFORM WILL BE ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BOWEN CONSULTING AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITY, ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS (US$100), WHICHEVER IS GREATER.

16. Indemnification

You agree to indemnify, defend, and hold harmless Bowen Consulting, Reshapify, and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

  • Your use of the Platform
  • Your violation of these Terms
  • Your violation of any applicable law or third-party right
  • Any dispute between you and a Customer regarding a transaction

17. Termination

Either party may terminate these Terms at any time. You may cancel your subscription and close your account through the Platform's billing settings or by contacting us. We may suspend or terminate your account immediately if you breach these Terms or if required by law or our payment processor partners.

Upon termination, your right to use the Platform ceases immediately. We will retain your transaction data as required by law and as described in our Privacy Policy. Any pending transactions at the time of termination will be processed according to the payment processor's procedures. No refund will be provided for the remaining portion of a billing period in which termination occurs.

18. Dispute Resolution

Any dispute arising from these Terms shall first be attempted to be resolved through good-faith negotiation. If unresolved within thirty (30) days, the dispute shall be resolved through binding arbitration administered by a mutually agreed-upon arbitration body, with proceedings conducted in English. Each party shall bear its own costs, and the arbitrator's decision shall be final and binding.

Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent irreparable harm.

19. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. For users located in Jamaica, nothing in these Terms affects your statutory rights under the Jamaica Data Protection Act, 2020 or other mandatory consumer protection laws. The courts of Delaware shall have non-exclusive jurisdiction over any disputes, and Jamaican users may also bring claims in Jamaican courts where permitted by law.

20. Changes to These Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. For significant changes, we will also notify you by email at least fifteen (15) days before they take effect. Your continued use of the Platform after changes constitutes acceptance of the modified Terms.

21. General Provisions

  • Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bowen Consulting regarding the Platform.
  • Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
  • Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
  • Assignment: You may not assign these Terms without our prior written consent. We may assign our rights and obligations without restriction.
  • Force Majeure: We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, government actions, or infrastructure failures.

22. Contact Us

For questions about these Terms, contact us at:

Bowen Consulting (a brand of Reshapify)
Email: [email protected]
Website: bowenconsulting.co