Terms of Service

Enshield Platform Terms of Service

Effective Date: April 24, 2026

Last Updated: April 24, 2026

These Terms of Service (“Terms”) govern access to and use of the Enshield platform, website, APIs, merchant dashboard, integrations, and related services (collectively, the “Platform”) provided by Enshield Inc. (“Enshield,” “we,” “us,” or “our”).

By accessing or using the Platform, you (“Merchant,” “Client,” “you,” or “your”) agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform.

1. Eligibility & Authority

You represent and warrant that:

1. You are at least eighteen (18) years old;
2. You have the legal authority to enter into these Terms on behalf of yourself or the entity you represent;
3. Your use of the Platform complies with all applicable laws, regulations, and industry requirements;
4. All information provided to Enshield is accurate, complete, and current.

If you are entering into these Terms on behalf of a business entity, you represent that you are authorized to bind that entity to these Terms.

2. Description of Services

Enshield provides software, administrative tools, customer communication tools, claims administration workflows, reporting systems, merchant billing functionality, and related services designed to assist merchants in administering package protection and related postdelivery customer service programs.

Enshield may provide:

• Checkout integration tools;
• Merchant dashboards and analytics;
• Claims intake and review workflows;
• Customer communication systems;
• Billing and reconciliation services;
• API integrations;
• Reporting and operational support;
• Administrative support services.

Enshield is a technology and administrative services provider. Certain package protection programs or regulated protection products offered through the Platform may be administered, insured, or supported by Enshield Risk Solutions Inc. (“ERS”) and/or other licensed thirdparty entities where required by applicable law. Enshield may coordinate administrative and customer service functions relating to such programs on behalf of ERS or other authorized providers.

3. Merchant Responsibilities

Merchant agrees to:

1. Maintain accurate business and contact information;
2. Promptly cooperate with reasonable operational and compliance requests;
3. Ensure all checkout disclosures and representations to consumers remain accurate;
4. Comply with all applicable consumer protection, privacy, and ecommerce laws;
5. Maintain all required licenses, permits, and authorizations applicable to Merchant’s business;
6. Use the Platform solely for lawful business purposes.

Merchant shall not:

• Use the Platform for fraudulent or deceptive activity;
• Misrepresent coverage, benefits, or protections available to consumers;
• Interfere with Platform operations or security;
• Reverse engineer or attempt unauthorized access to the Platform;
• Use the Platform in violation of applicable law.

Merchant remains solely responsible for:

• Products sold to consumers;
• Product fulfillment and shipping operations;
• Customer service unrelated to the package protection program;
• Tax obligations;
• Compliance with laws applicable to Merchant’s products and operations.

4. Consumer Information & Data Processing

In connection with the Platform, Merchant may provide customer information including names, addresses, contact information, order details, shipment details, and transaction information.

Merchant represents and warrants that it has all rights and permissions necessary to provide such information to Enshield for purposes of operating the Platform and related services.

Enshield may process such information:

• To provide Platform functionality;
• To administer claims and customer support workflows;
• To communicate with consumers;
• To comply with legal and regulatory obligations;
• To improve Platform functionality and security.

Enshield does not directly collect, process, or store consumer bank account or ACH payment credentials through the Platform. Where payment information is required, such information may be collected and processed through secure thirdparty payment processors, including Stripe or similar providers, subject to their respective terms and privacy practices.

Merchant acknowledges that thirdparty processors may independently process and store payment information pursuant to their own compliance and security standards.

5. Privacy & Communications

Use of the Platform is also governed by the Enshield Privacy Policy, which is incorporated into these Terms by reference.

Merchant acknowledges and agrees that:

• Calls with Enshield personnel may be monitored or recorded;
• Meetings may be transcribed or summarized using AIassisted tools;
• Customer service interactions may be logged for quality assurance, operational, training, compliance, and dispute resolution purposes.

Merchant shall ensure that any legally required notices or consents relating to recording or communications are obtained where applicable.

6. Fees & Payment Terms

Merchant agrees to pay all applicable fees associated with use of the Platform and related services.

Unless otherwise agreed in writing:

1. Fees are due according to the applicable onboarding documents, invoices, merchant agreement, or billing schedules;
2. Enshield may initiate ACH debits or other authorized payment methods for amounts due;
3. Merchant authorizes Enshield and its designated payment processors to process authorized payments;
4. Late payments may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law;
5. Merchant is responsible for all taxes associated with its use of the Platform, excluding taxes on Enshield’s income.

Merchant agrees to maintain valid payment information and promptly update any changes.

7. ACH Authorization & NACHA Compliance

By providing bank account information or authorizing electronic payments, Merchant authorizes Enshield, its affiliates, agents, processors, and payment partners, including Stripe and related financial institutions, to initiate electronic ACH debits and credits to Merchant’s designated bank account for:

• Service fees;
• Billing adjustments;
• Returned payment corrections;
• Charge reversals where permitted;
• Other authorized amounts owed under these Terms or any related merchant agreement.

Merchant authorizes such entries in accordance with applicable NACHA Operating Rules and agrees that this authorization shall remain in full force and effect until revoked in writing and reasonably processed by Enshield.

Merchant represents and warrants that:

1. It is the authorized owner or signatory of the designated bank account;
2. All payment information provided is accurate and current;
3. It has authority to authorize ACH transactions;
4. It will maintain sufficient funds for authorized transactions.

Merchant agrees:

• To comply with applicable NACHA Operating Rules and applicable payment network requirements;
• Not to improperly dispute or reverse authorized ACH transactions;
• To promptly notify Enshield of any changes to banking information;
• That Enshield may retry failed or returned ACH transactions where permitted by law.

Merchant acknowledges that returned payments, rejected transactions, excessive disputes, or unauthorized return activity may result in:

• Additional processing fees;
• Suspension of services;
• Termination of Platform access;
• Additional risk review or verification requirements.

Enshield may maintain records of electronic payment authorizations, payment activity, transaction logs, IP address information, consent records, and related account verification information for compliance, fraud prevention, dispute resolution, audit, operational, and legal purposes.

8. Electronic Communications & ESIGN Consent

Merchant consents to receive communications electronically from Enshield, including:

• Agreements;
• Invoices;
• Billing notices;
• Claims communications;
• Policy updates;
• Disclosures;
• Operational notices;
• Compliance communications.

Merchant agrees that electronic signatures, electronic records, and electronic communications satisfy any legal requirement that such communications be in writing.

Merchant agrees to maintain accurate contact information and acknowledges responsibility for reviewing electronic communications sent by Enshield.

9. ThirdParty Services & Integrations

The Platform may integrate with thirdparty services including ecommerce platforms, payment processors, shipping providers, CRM systems, analytics tools, or communication providers.

Enshield does not control and is not responsible for:

• Thirdparty platform availability;
• Thirdparty outages or disruptions;
• Thirdparty security practices;
• Thirdparty terms or policies.

Use of thirdparty integrations may require Merchant to agree to separate terms with such providers.

8. Intellectual Property

All Platform content, software, workflows, APIs, designs, trademarks, service marks, logos, and related intellectual property are owned by or licensed to Enshield.

Subject to these Terms, Enshield grants Merchant a limited, nonexclusive, nontransferable, revocable license to access and use the Platform for Merchant’s internal business purposes.

Merchant shall not:

• Copy or reproduce Platform software or materials;
• Modify or create derivative works;
• Resell or sublicense access to the Platform;
• Remove proprietary notices;
• Use Enshield intellectual property except as expressly permitted.

Merchant grants Enshield a limited, nonexclusive license to use Merchant’s business name, trademarks, and logos for:

• Identifying Merchant as a customer of Enshield;
• Marketing materials;
• Case studies;
• Website listings;
• Sales presentations.

Merchant may revoke such marketing authorization upon written notice, except for materials already published or distributed.

9. Confidentiality

Each party agrees to protect the other party’s confidential information using reasonable safeguards and not disclose such information except:

• As necessary to perform obligations under these Terms;
• To professional advisors subject to confidentiality obligations;
• As required by law, court order, or regulatory authority.

Confidential information does not include information that:

• Is publicly available without breach;
• Was already lawfully known;
• Is independently developed;
• Is lawfully obtained from a third party.

10. Compliance & Prohibited Activities

Merchant represents and warrants that neither Merchant nor its principals:

• Are subject to sanctions administered by OFAC or similar governmental authorities;
• Are listed on applicable denied or restricted party lists;
• Will use the Platform for unlawful transactions or prohibited businesses.

Merchant agrees to comply with all applicable:

• Antimoney laundering laws;
• Sanctions regulations;
• Consumer protection laws;
• Data privacy laws;
• Ecommerce and financial regulations.

Enshield reserves the right to suspend or terminate access where it reasonably believes Merchant may be engaged in unlawful, fraudulent, deceptive, or prohibited conduct.

11. Availability & Service Modifications

Enshield may modify, suspend, or discontinue portions of the Platform at any time.

While Enshield seeks to maintain reliable service availability, the Platform is provided on an “as available” basis and uninterrupted access is not guaranteed.

Scheduled maintenance, emergency maintenance, thirdparty outages, and circumstances beyond Enshield’s control may affect availability.

12. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, ENSHIELD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• NONINFRINGEMENT;
• ACCURACY OR RELIABILITY OF INFORMATION;
• UNINTERRUPTED OR ERRORFREE OPERATION.

Enshield does not guarantee:

• Specific financial results;
• Consumer participation rates;
• Revenue generation;
• Loss reduction;
• Approval by any thirdparty processor or regulator.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ENSHIELD SHALL NOT BE LIABLE FOR:

• INDIRECT DAMAGES;
• INCIDENTAL DAMAGES;
• CONSEQUENTIAL DAMAGES;
• SPECIAL DAMAGES;
• PUNITIVE DAMAGES;
• LOST PROFITS;
• LOST REVENUE;
• LOSS OF DATA;
• BUSINESS INTERRUPTION.

Enshield’s total aggregate liability arising out of or relating to the Platform or these Terms shall not exceed the total fees paid by Merchant to Enshield during the six (6) months preceding the event giving rise to the claim.

Some jurisdictions do not allow certain liability limitations, so portions of this section may not apply.

14. Indemnification

Merchant agrees to defend, indemnify, and hold harmless Enshield and its officers, directors, employees, contractors, affiliates, insurers, and partners from any claims, liabilities, damages, losses, costs, or expenses arising from:

• Merchant’s breach of these Terms;
• Merchant’s products or services;
• Merchant’s violation of law;
• Fraudulent or deceptive conduct;
• Consumer disputes unrelated to Enshield’s direct actions;
• Merchant content or data.

15. Term & Termination

These Terms remain effective until terminated.

Either party may terminate access to the Platform:

• Upon written notice if the other party materially breaches these Terms and fails to cure within thirty (30) days;
• Immediately for fraud, unlawful conduct, sanctions concerns, or misuse of the Platform;
• As otherwise permitted in a separate merchant agreement.

Upon termination:

• Merchant access may be disabled;
• Outstanding payment obligations survive;
• Certain operational data may be retained as required by law or legitimate business purposes.

Sections intended to survive termination shall survive, including confidentiality, payment obligations, intellectual property protections, disclaimers, limitation of liability, and indemnification obligations.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Idaho, without regard to conflict of law principles.

Any dispute arising from or relating to these Terms shall be resolved exclusively in the state or federal courts located in Ada County, Idaho, and each party consents to such jurisdiction and venue.

17. Force Majeure

Enshield shall not be liable for delays or failures resulting from causes beyond its reasonable control, including:

• Natural disasters;
• Internet outages;
• Cyberattacks;
• Labor disputes;
• Governmental actions;
• Utility failures;
• Acts of war or terrorism;
• Thirdparty service interruptions.

18. Changes to Terms

Enshield may update these Terms from time to time.

Updated Terms may be posted through the Platform or otherwise communicated to Merchant. Continued use of the Platform after updated Terms become effective constitutes acceptance of the revised Terms.

19. Miscellaneous

These Terms constitute the entire agreement between the parties regarding the Platform unless supplemented by a separate written merchant agreement.

If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

Merchant may not assign these Terms without Enshield’s prior written consent. Enshield may assign these Terms in connection with a merger, acquisition, restructuring, or sale of assets.

Failure to enforce any provision shall not constitute a waiver.

20. Contact Information

Enshield Inc.

P.O. Box 502
Rexburg, ID 83440

Phone: (208) 3171160

Email: cs@enshield.com

Website: https://www.enshield.com