Last Updated: 03/26/2026

These Terms and Conditions of Use (“Terms”) govern your access to and use of the website operated under the OmniCore brand (the “Website”). OmniCore operates as a member office and markets certain products and services offered through CoCard Business (“CoCard”).

By accessing or using this Website, you agree to be legally bound by these Terms. If you do not agree, do not use this Website.

1. No Professional, Financial, or Legal Advice

All information provided on this Website is for general informational purposes only. Nothing on this Website constitutes or should be construed as:

• • • Financial advice
    • Legal advice
    • Tax advice
    • Payment processing advice
    • Compliance, PCI, or regulatory guidance

You should not rely on any information on this Website without independently verifying it and consulting with qualified professionals.

2. No Guarantees or Warranties

This Website and all content are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express or implied.

Neither OmniCore nor CoCard makes any warranties regarding, including but not limited to:

• • • Accuracy, completeness, or reliability of content
    • Merchant approval, pricing, savings, or rate outcomes
    • System availability or uptime
    • Error-free or uninterrupted access
    • Fitness for a particular purpose
    • Non-infringement

No guarantees are made regarding results, performance, approval, cost savings, or suitability of any products or services referenced on this Website.

3. Limitation of Liability

To the maximum extent permitted by law, OmniCore, CoCard Business, and their respective owners, officers, employees, contractors, partners, affiliates, and agents shall not be liable for any damages of any kind, including but not limited to:

• • • Direct or indirect damages
    • Incidental or consequential damages
    • Loss of profits, revenue, data, or business
    • System downtime or service interruption
    • Security breaches or unauthorized access
    • Errors, omissions, or inaccuracies

This limitation applies whether the claim arises from contract, tort, negligence, strict liability, or otherwise, even if advised of the possibility of such damages.

4. Third-Party Services and Links

This Website may reference or link to third-party websites, software providers, processors, banks, card networks, or other service providers.

Neither OmniCore nor CoCard:

• • • Controls third-party content or systems
    • Makes representations or warranties regarding third parties
    • Is responsible for third-party policies, outages, performance, or actions

Your use of any third-party services is entirely at your own risk and subject to the applicable third party’s terms and conditions.

5. No Offer or Contract Formation

Nothing on this Website constitutes:

• • • A binding offer
    • A commitment to provide services
    • A guarantee of approval, pricing, or availability

All services are subject to:

• • • Separate written agreements
    • Underwriting, compliance, and approval processes
    • Applicable processor, bank, and card network rules

No contractual relationship is formed solely by visiting this Website or submitting inquiries.

6. User Responsibility

By using this Website, you agree that:

• • • You are solely responsible for how you use the information provided
    • You will not misuse, scrape, copy, or exploit the Website or its content
    • You will comply with all applicable laws and regulations

Unauthorized use may result in termination of access and potential legal action.

7. Intellectual Property

All content on this Website—including text, graphics, logos, layouts, and branding—is the property of OmniCore, CoCard Business, or their licensors and is protected by applicable intellectual property laws.

No content may be reproduced, distributed, modified, or used without prior written permission.

8. Indemnification

You agree to indemnify, defend, and hold harmless OmniCore, CoCard Business, and their affiliates from any claims, damages, liabilities, costs, or expenses arising from:

• • • Your use of the Website
    • Your violation of these Terms
    • Your reliance on Website content

9. Changes to These Terms

These Terms may be updated at any time without prior notice. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the state or federal courts located in California.

11. Contact Information

Questions regarding these Terms may be directed to:

OmniCore
807 Douglas Blvd, Suite 100
Roseville, CA 95678
Email: support@getomnicore.com

Privacy Notice

This Privacy Notice applies to information collected through this Website. OmniCore operates this Website as a member office of CoCard Business.

This notice explains:

• • • What information is collected
    • How it is used
    • How it is protected
    • How changes are communicated

Information Collection, Use, and Sharing

We collect only information that you voluntarily provide to us, such as through contact forms, email inquiries, or other direct communications.

We do not sell or rent your information. Information may be shared only as necessary to respond to your request or to facilitate services offered through CoCard.

Unless you opt out, we may contact you regarding:

• • • Updates
    • New products or services
    • Changes to this Privacy Notice

Your Access to and Control Over Information

You may:

• • • Request access to data we have about you
    • Request corrections or updates
    • Request deletion of your data
    • Opt out of future communications

Requests may be made using the contact information provided on this Website.

Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. Sensitive information transmitted online is encrypted using secure protocols.

Access to personal information is limited to authorized personnel who require it for legitimate business purposes.

Cookies

This Website uses cookies to enhance user experience, analyze usage, and improve functionality. Cookies do not collect personally identifiable information.

You may disable cookies through your browser settings; however, some features of the Website may not function properly.

Notification of Changes

Material changes to this Privacy Notice will be communicated via email when required by law or posted on this Website.

Other Provisions Required by Law

Additional disclosures may be required under applicable laws, including the California Online Privacy Protection Act (CalOPPA). This Website does not currently respond to “Do Not Track” signals.

If you believe this Privacy Notice is not being followed, please contact OmniCore at 800.577.0195 or hello@getomnicore.com.

Footer disclosures regarding CoCard affiliations, ISO registrations, and program terms appear site-wide and are incorporated by reference.