Payment Agreement

INTRODUCTION:

This Agreement outlines the terms and conditions for payment processing and cardholder responsibilities when engaging with DTS Technical Support Services. It ensures transparency, security, and fairness in all financial transactions.

KEY HIGHLIGHTS:

• Zero tolerance for fraud and chargebacks.
• Mandatory dispute resolution before initiating chargebacks.
• PCI DSS 4.0 compliance for data security.
• Clear refund and cancellation policies.
• International compliance and cryptocurrency payment terms.

CLIENT ACKNOWLEDGMENT:

By proceeding with any transaction, you acknowledge that you have read, understood, and agreed to the terms of this Payment Processing & Cardholder Agreement.

HOW TO PAY:

Accepted Payment Methods:

• Credit/Debit Cards (Visa, Mastercard, etc.)
• ACH Transfers
• Ethereum and other cryptocurrencies 
• In Person (Cash, Zelle, Check, Money Order, Terms)

For invoiced services, follow the instructions provided in your invoice.

BILLING SUPPORT:

DTS Technical Support Services: Comprehensive Payment Processing & Cardholder Agreement

Version: 4.1

Effective Date: September 15, 2025

Governing Jurisdiction: State of Florida, United States

Applicability: This Agreement applies to all transactions processed through DTS Technical Support Services (“the Company,” “we,” “us,” “our”) via its website www.dtstss.com, any associated subdomains, third-party payment portals, or direct invoicing systems.

Article 1: Executive Summary & Zero-Tolerance Fraud Policy

This Payment Processing & Cardholder Agreement (“Agreement”) governs your financial transactions with DTS Technical Support Services. By providing a payment method or initiating a transaction, you (“the Client,” “Cardholder,” “you,” “your”) agree to be unequivocally bound by all terms and conditions herein.

This document serves two primary functions: 1) to establish a clear, transparent, and efficient framework for the processing of payments for our products and services, and 2) to declare a zero-tolerance policy against all forms of payment fraud, including but not limited to, fraudulent chargebacks, unauthorized card use, and friendly fraud.

Our fraud policy is absolute and strictly enforced. We have invested significant resources in advanced fraud detection and have established a robust legal framework to pursue fraudulent actors to the fullest extent of civil and criminal law. We operate on a principle of mutual respect and good faith; however, any attempt to defraud the Company will be met with immediate and severe legal consequences, without exception. We allocate a substantial annual budget specifically for the prosecution of such cases. This Agreement explicitly voids any arbitration provisions in cases of fraud, theft, or misrepresentation, reserving our absolute right to litigate in a court of law and demand a trial by jury.

Article 2: Definitions

• Agreement: This entire Payment Processing & Cardholder Agreement.
• Chargeback: A demand by a credit card provider for a retailer to make good the loss on a fraudulent or disputed transaction.
• Client: Any individual, entity, or agent thereof purchasing goods or services from the Company.
• Company: DTS Technical Support Services, a Florida-based entity.
• Digital Assets: Refers to cryptocurrencies or other blockchain-based tokens that may be accepted by the Company, subject to the terms in Article 11.
• Fraudulent Chargeback: A Chargeback initiated by a Client for a transaction that was legitimate, where the Client received the goods or services as described, but falsely claims the charge was unauthorized, the product was not delivered, or the service was not rendered. This is also commonly known as “Friendly Fraud” and is treated as statutory theft and fraud by the Company.
• Issuing Bank: The financial institution that issued the Cardholder’s credit or debit card.
• Payment Method: Any credit card, debit card, ACH transfer, Digital Asset, or other financial instrument used by the Client to make a payment.
• PCI DSS: The Payment Card Industry Data Security Standard, the current version being 4.0, which this Company fully adheres to.
• Services: All labor, support, consultation, and other professional offerings provided by DTS Technical Support Services.
• Products: All hardware, software, licenses, and other tangible or digital goods sold by DTS Technical Support Services.

Article 3: General Payment Processing Terms

3.1. Authorization: By providing your Payment Method to us, you represent and warrant that you are the authorized user of the Payment Method and that you authorize the Company to charge your Payment Method for the full amount of the transaction, including any applicable taxes, fees, and surcharges. This authorization extends to recurring charges for subscription services to which you have agreed.

3.2. Pricing and Fees: All prices are listed in U.S. Dollars (USD) unless otherwise specified. You agree to pay the price for Products and Services in effect at the time of your order. In compliance with the Federal Trade Commission’s (FTC) “Rule on Unfair or Deceptive Fees,” all mandatory fees associated with a transaction will be clearly and conspicuously disclosed to you before you are asked to provide payment information.

3.3. Payment Confirmation: Upon successful processing of your payment, the Company will provide a transaction confirmation or receipt, typically via email. This receipt serves as proof of payment. It is your responsibility to retain this confirmation for your records.

3.4. Failed Transactions: If your Payment Method is declined or fails for any reason (e.g., insufficient funds, expired card, AVS mismatch), the Company will attempt to notify you. We reserve the right to suspend or cancel your order or services until payment is successfully received. The Company is not liable for any fees or charges assessed by your Issuing Bank or financial institution as a result of a failed transaction.

3.5. Recurring Billing: For subscription-based services, you authorize the Company to charge your Payment Method on a recurring basis (e.g., monthly, annually) without further authorization from you, until you provide notice of termination in accordance with the service’s cancellation policy. You are responsible for keeping your Payment Method information current.

3.6. Late Payments: For invoiced services, payments not received by the due date are subject to a late fee of 1.5% per month or the maximum rate permitted by Florida law, whichever is less. We reserve the right to suspend all services for accounts more than thirty (30) days past due.

Article 4: Data Security and PCI DSS 4.0 Compliance

4.1. Our Commitment: The Company is rigorously committed to protecting your sensitive payment information. We employ a multi-layered security architecture that is fully compliant with the Payment Card Industry Data Security Standard (PCI DSS) version 4.0.

4.2. Technical Specifications: Our payment processing environment includes, but is not limited to, the following security controls mandated by PCI DSS 4.0:

• Strong Authentication: Multi-factor authentication (MFA) is enforced for all access to the cardholder data environment.
• Advanced Encryption: All cardholder data is encrypted both in transit (using TLS 1.2 or higher) and at rest (using AES-256 encryption). We utilize tokenization for stored payment credentials, meaning your actual card number is never stored on our primary systems.
• Vulnerability Management: We conduct continuous, automated vulnerability scanning and perform regular penetration testing by qualified third-party security assessors.
• Payment Page Script Security: All scripts that run on our payment pages are strictly managed and their integrity is continuously monitored to prevent digital skimming attacks.
• Access Control: Access to sensitive cardholder data is restricted on a strict “need-to-know” basis, with unique IDs for every individual with access.

4.3. Client Responsibilities: You agree to protect the confidentiality of your account credentials. You are responsible for any transactions initiated using your account. If you suspect your account has been compromised, you must notify us immediately.

4.4. Data Breach Protocol: In the unlikely event of a data breach that compromises cardholder data, the Company will follow a strict incident response plan. This includes immediate containment, a forensic investigation, and timely notification to affected individuals, Issuing Banks, and regulatory bodies as required by Florida’s Information Protection Act (FIPA) and other applicable laws.

Article 5: Advanced Fraud Prevention and Detection

5.1. Proactive Monitoring: We utilize a sophisticated, AI-driven fraud detection platform that analyzes hundreds of data points for every transaction in real-time. This system assesses risk based on:

• Geolocation and IP-based risk scoring.
• Device fingerprinting and behavioral analytics.
• Velocity checks (monitoring for an unusual number of transactions).
• Historical transaction data and known fraud patterns.

5.2. 3-D Secure 2.0: Where supported by your Issuing Bank, we utilize 3-D Secure 2.0 (e.g., Verified by Visa, Mastercard SecureCode) for an additional layer of authentication. This process helps verify that you are the legitimate cardholder, significantly reducing the risk of unauthorized transactions.

5.3. Address Verification System (AVS) & CVV: We require AVS and Card Verification Value (CVV) matching for all card-not-present transactions. Mismatches may result in a transaction being flagged for manual review or automatically declined.

5.4. Right to Refuse Service: The Company reserves the absolute right to refuse any transaction or cancel any order that our systems flag as high-risk or potentially fraudulent, without providing a reason.

Article 6: Chargeback Policy & Dispute Resolution

6.1. Legitimate Disputes: We understand that legitimate disputes can occur. If you have a genuine issue with a product, service, or billing, you are required to first contact DTS Technical Support Services directly to resolve the issue. We maintain detailed records of service delivery, client communications, and product shipments. We are committed to resolving legitimate disputes fairly and efficiently.

6.2. Mandatory Pre-Chargeback Contact: Before initiating a chargeback with your Issuing Bank, you must contact our support team at info@dtstss.com or +1 (704) 648-6706 with details of your dispute. You must allow us a reasonable period of seven (7) business days to investigate your claim and offer a resolution. Failure to follow this mandatory pre-dispute resolution process will be used as primary evidence of a bad-faith claim and fraudulent intent in any subsequent legal action.

6.3. Evidence Submission: In the event of a chargeback, the Company will submit a comprehensive evidentiary package to the Issuing Bank and card networks (Visa, Mastercard, etc.). This package will include:

• The Client’s original authorization and proof of purchase.
• IP logs, device fingerprints, and geolocation data from the time of purchase.
• All correspondence with the Client (emails, chat logs, call records).
• Proof of service delivery (server logs, project completion reports, signed acknowledgments).
• Proof of product delivery (shipping tracking numbers, delivery confirmation).
• A copy of this Agreement, demonstrating the Client’s acceptance of these terms.

6.4. Chargeback Fees: In the event of a chargeback that is ultimately decided in our favor, you will be liable for a non-refundable Chargeback Administration Fee of $75.00 plus the original amount of the transaction. This fee will be charged to your account or pursued via collections.

Article 7: CRITICAL FRAUD ENFORCEMENT LANGUAGE

(This section is non-negotiable and constitutes a binding notice of legal intent.)

FRAUDULENT CHARGEBACK CRIMINAL & CIVIL LIABILITY NOTICE

Any individual who obtains products, services, or payments for third-party service providers and subsequently files a fraudulent chargeback, especially without first attempting to resolve any curable issues through direct contact, should be aware that such actions constitute statutory crimes under both Florida and United States federal law.

Criminal Liability:

• Florida Statute § 812.014 (Theft)
• Florida Statute § 817.61 (Fraudulent use of a credit card) – Felony of the Third Degree
• 18 U.S. Code § 1344 (Bank Fraud) – Punishable by fines up to $1,000,000 and imprisonment for up to 30 years

Immediate Enforcement Actions:

Upon detection of fraudulent chargebacks, DTS TSS will immediately demand reversal and return of funds. Failure to comply will trigger the following actions without further notice:

1. Civil Litigation: Immediate filing of civil lawsuit seeking principal debt, accrued interest, court costs, reasonable attorney’s fees, and treble damages for civil theft. Jury trial demanded; arbitration clauses void for theft/fraud cases.
2. Compelled Testimony: Subpoenas issued for sworn testimony from all parties including cardholder, issuing bank, and card networks.
3. Criminal Referrals: Complete evidentiary package forwarded to:
   • Miami Beach Police Department
   • Florida Attorney General’s Office of Statewide Prosecution
   • Federal Bureau of Investigation (FBI)
   • Federal Trade Commission (FTC)
   • LexisNexis and VRC Investigations for criminal/civil prosecution tracking
   • Any local police department(s) for which the customer(s) and/or cardholder(s) reside and/or work.

Philosophy:

“Be a good person, we will be a good business and do the right thing by others. Everyone gets what they want and we prosper. Try to scam or defraud us—we will not stop until justice is served or we run out of funds trying.”

Article 8: Consumer Rights & Protections

8.1. Transparency: We are committed to transparency in our billing practices. You have the right to a clear and accurate description of the goods and services you are purchasing and a detailed breakdown of all costs before payment.

8.2. Refunds and Cancellations: Refund and cancellation policies vary by product and service and will be clearly stated at the time of purchase. Legitimate requests for refunds will be processed in a timely manner according to the stated policy.

8.3. Florida Deceptive and Unfair Trade Practices Act (FDUTPA): The Company conducts all business in compliance with FDUTPA. We are prohibited from engaging in any unfair methods of competition, unconscionable acts or practices, or unfair or deceptive acts in the course of our trade or commerce. This Agreement is intended to be fully compliant with these principles.

8.4. Communications (TCPA Compliance): By providing your phone number, you grant the Company Express Consent to contact you regarding transactional matters (e.g., service updates, appointment reminders, fraud alerts). For any marketing communications, we will obtain your Prior Express Written Consent, in compliance with the Telephone Consumer Protection Act (TCPA). You may revoke consent at any time by replying “STOP” to any SMS message or by contacting us directly.

Article 9: International Compliance

9.1. Cross-Border Transactions: For clients outside of the United States, your transaction will be processed in USD. You are responsible for any currency conversion fees or other charges levied by your bank.

9.2. Data Privacy: Personal data for international clients is handled with the utmost care. While we are governed by U.S. and Florida law, we incorporate principles from international data privacy frameworks, such as providing clear notice of data collection and processing.

Article 10: Emerging Payment Technologies

10.1. Digital Asset / Cryptocurrency Payments: The Company may, at its sole discretion, accept payment in certain Digital Assets (e.g., Bitcoin, Ethereum). These transactions are subject to the following conditions:

• Compliance: All Digital Asset transactions will comply with Florida’s new regulations governing virtual currency and the amended Uniform Commercial Code (UCC) for digital assets.
• Finality: Due to the nature of blockchain technology, all Digital Asset transactions are final and non-refundable. Chargebacks are not possible.
• Volatility: The USD value of the payment will be calculated at the exchange rate prevailing at the exact moment of transaction confirmation. You bear all risks associated with currency volatility.
• No Anonymity: For compliance purposes, you may be required to provide identity verification (KYC) information for Digital Asset transactions.

Article 11: Miscellaneous Provisions

11.1. Governing Law and Venue: This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. The exclusive venue for any legal action not subject to the fraud exceptions in Article 7 shall be the state and federal courts located in Miami-Dade County, Florida.

11.2. Limitation of Liability: To the maximum extent permitted by law, the Company’s liability under this Agreement shall be limited to the total amount paid by the Client to the Company in the three (3) months preceding the event giving rise to the claim.

11.3. Indemnification: You agree to indemnify, defend, and hold harmless DTS Technical Support Services and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses arising from your breach of this Agreement or your provision of an unauthorized or fraudulent Payment Method.

11.4. Severability: If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect.

11.5. Agreement Modification: The Company reserves the right to modify this Agreement at any time. We will notify you of significant changes by posting the new agreement on our website and updating the effective date. Your continued use of our services after such changes constitutes your acceptance of the new terms.

Contact Information: For any inquiries regarding this Agreement: