These Terms of Service govern your access to and use of the Optimum Wallet®, the website at theoptimumwallet.com, and the membership known as the Charter, all provided by Optimum Wallet LLC. By applying for membership, activating a membership, or using the software, you agree to these Terms. If you do not agree, do not use the Optimum Wallet®.
Optimum Wallet LLC, we, us, and our mean the company providing the software and the Charter. The Optimum Wallet® and the software mean the payment orchestration software we license to members. Charter means the selective membership framework through which we admit and serve members. Member means a business admitted to the Charter. You and your mean the member and the person accepting these Terms on the member's behalf.
The Optimum Wallet® is payment orchestration software and a selective membership framework. It confirms payments you receive in wallets you own. The Optimum Wallet® is not a bank, a payment processor, a money services business, a money transmitter, or a payment facilitator. We never hold, move, or touch funds. Your customer pays you directly into a wallet you control. The software confirms that a payment belongs to an order, releases the matching sale in your store, and helps you keep a record of your growth. We do not endorse, sponsor, guarantee, or authorize any member business, products, or conduct.
To use the Optimum Wallet® you must be at least 18 years old, have authority to bind the business you represent, operate a lawful business, and provide accurate information. We admit members by application and in our sole discretion. Admission is not a right, and we may decline or revoke it.
Membership is by application. Not every applicant is admitted. We offer two primary tiers. Optimum Pro is the manual Greenlight rail, on which you confirm and release each payment yourself. Optimum Black is the selective automated rail, reserved for approved Charter members and released by waitlist at our discretion. Both tiers include one storefront per code and access to Luma™, the Optimum Wallet® Concierge, as features are enabled for the member build. Luma™ may guide, navigate, explain, and perform only the actions supported by the enabled production bridge, the member permissions, the order state, and the security rules of the Optimum Wallet®. Voice authorization does not bypass validation or review. Joining Pro does not guarantee Black access. Black availability, timing, eligibility, features, and onboarding capacity may change. We may modify tiers, features, and availability over time.
The current one time charter price is $2,499.99 for Optimum Pro and $4,999.99 for Optimum Black, plus a one time administrative fee of one cent, resulting in activation totals of $2,500.00 and $5,000.00. The current founding monthly dues are $250 for Pro and $500 for Black. Prices and taxes shown at the final checkout control. The one time charter fee and administrative fee are not refundable after payment, as described in our Refund Policy. Monthly dues are billed on a recurring basis and you may cancel them at any time. Founding monthly rates are locked for as long as you remain a member in good standing. If your monthly dues fail to process, we may suspend the software and your membership until payment is resolved. Klarna and Afterpay may be available for eligible activation purchases. Any installment or financing agreement is between you and the provider, subject to its approval, availability, limits, first payment, schedule, fees, and terms. Where Klarna presents Pay in 30 or another deferred first payment offer, no payment may be due at checkout. Afterpay Pay in 4 generally begins with a first payment. We are not the lender or credit provider. No deferred payment option is guaranteed. Selecting an installment method does not change this Refund Policy and does not cancel any amount you owe the provider. You are responsible for all taxes associated with your use of the software, other than taxes on our net income.
You agree not to use the Optimum Wallet® to conduct or support any unlawful activity, to process payments for a business other than the one you were admitted for, to evade the terms of any wallet or payment service you connect, to infringe any third party rights, to introduce malicious code, or to attempt to access, copy, reverse engineer, or interfere with the software or our systems. We may suspend or terminate members who violate this section.
You alone own and control the wallets into which your customers pay. You are responsible for your relationship with your customers, for the products and services you sell, for honoring your own refund and dispute obligations to your customers, and for complying with the terms of service of Cash App, Venmo, Zelle, and any other service you connect. You are responsible for your own legal and regulatory compliance. The Optimum Wallet® documents and confirms activity. It does not assume your obligations. You are responsible for reviewing order identifiers, authorization prompts, and the final status of any action requested through Luma™. Do not use voice commands in a way that exposes customer information to unauthorized people.
Members may participate in our affiliate program, which is available to members only and administered through a third party provider. Rewards, tracking, and payouts are governed by the program terms presented inside your membership. Participation does not change the nature of your membership or these Terms.
The Optimum Wallet®, including the software, the website, the Charter framework, and all related names, logos, text, and design, is owned by Optimum Wallet LLC and protected by intellectual property law. We grant you a limited, not exclusive, not transferable, revocable license to use the software solely for your admitted business while your membership is active. You may not copy, distribute, sublicense, sell, reverse engineer, decompile, or create derivative works from any part of it. All rights not expressly granted are reserved.
The Optimum Wallet® is provided as is and as available. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non infringement. We do not warrant that the software will be uninterrupted, error free, or that every payment will confirm automatically. Confirmation depends on information from services we do not control. When a payment does not confirm automatically, it moves to manual confirmation. It is not lost. Voice recognition, conversational guidance, navigation, and action preparation may be unavailable, delayed, or incorrect. Luma™ is a software concierge, not a person, bank, processor, lawyer, accountant, compliance officer, or financial adviser. You remain responsible for reviewing every material action and result.
To the fullest extent permitted by law, Optimum Wallet LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, revenue, data, or goodwill, arising out of or relating to your use of the Optimum Wallet®. Our total liability for any claim relating to the software or these Terms will not exceed the amount of membership fees you paid to us in the three months before the event giving rise to the claim.
You agree to indemnify and hold harmless Optimum Wallet LLC and its members, managers, officers, employees, contractors, and agents from any claim, loss, or expense, including reasonable legal fees, arising out of your business, your products or services, your use or misuse of the software, your violation of these Terms, or your violation of any law or third party right.
You may cancel your membership at any time as described in our Refund Policy. We may suspend or terminate your membership and access to the software if you violate these Terms, if required by law, if a connected service requires it, or to protect the integrity and stability of the Charter. On termination, your license to use the software ends and you must stop using it.
We may update these Terms from time to time. When we do, we will change the Last updated date above and, for material changes, provide reasonable notice. Your continued use of the Optimum Wallet® after changes take effect means you accept the updated Terms.
These Terms are governed by the laws of the State of Georgia, without regard to its conflict of laws rules. Except for the matters described at the end of this section, you and Optimum Wallet LLC agree to resolve any dispute arising out of or relating to these Terms or the Optimum Wallet® by final and binding individual arbitration, administered in the State of Georgia by a single arbitrator under the rules of a recognized arbitration provider, rather than in court. Judgment on the award may be entered in any court with jurisdiction. You and Optimum Wallet LLC each waive any right to a jury trial. Any dispute will be brought only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person’s claims or preside over any class or representative proceeding. Nothing in this section prevents either party from bringing an individual claim in small claims court, or from seeking injunctive or other equitable relief in the state or federal courts located in Georgia to protect its intellectual property or confidential information, and you consent to the jurisdiction of those courts for that purpose. If the class action waiver above is found unenforceable, then this entire arbitration section will not apply and disputes will proceed in the state or federal courts located in Georgia; every other part of this section is severable.
These Terms, together with our Privacy Policy, Refund Policy, and any agreement you sign at activation, are the entire agreement between you and Optimum Wallet LLC regarding the Optimum Wallet®, and replace any prior understanding. If any provision is found unenforceable, the remaining provisions stay in full effect, and the unenforceable provision will be limited or removed to the least extent necessary. Our failure to enforce a provision is not a waiver of it. You may not assign or transfer these Terms or your membership without our written consent, and any attempt to do so is void; we may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets. We are not responsible for any delay or failure caused by events beyond our reasonable control, including acts of God, outages, network, hosting, or wallet provider failures, labor disputes, or government action. We may send you notices by email or inside your membership, and those notices are effective when sent. The provisions that by their nature should survive termination, including fees owed, intellectual property, the disclaimer of warranties, limitation of liability, indemnification, and dispute resolution, survive the end of your membership.
Questions about these Terms can be sent to support@theoptimumwallet.com.