Regulatory Disclosures

Last Updated: April 1, 2026

1. General Disclosure

TransactBridge provides technology infrastructure and payment facilitation services to enable businesses to accept and manage payments.

TransactBridge is not a bank, deposit-taking institution, or licensed financial institution, unless explicitly stated. TransactBridge does not hold customer deposits as a bank and does not provide traditional banking services.

2. Role of TransactBridge

Depending on the service offering and jurisdiction, TransactBridge may act as:

• a technology service provider
• a payment facilitator or intermediary
• a platform enabling merchants to accept payments

TransactBridge does not typically act as the merchant of record unless explicitly specified in a separate agreement.

3. Role of Financial Partners

Payment processing, authorization, clearing, settlement, and fund safeguarding are performed by licensed financial institutions, acquiring banks, and payment processors.

These partners may include:

• acquiring banks
• card networks (e.g., Visa, Mastercard, American Express)
• regulated payment service providers

Such institutions are responsible for handling regulated financial activities in accordance with applicable laws.

4. Flow of Funds

When a customer makes a payment to a merchant using TransactBridge:

1. The payment is processed through relevant payment networks and financial institutions
2. Funds are received and settled through regulated partners
3. Funds are subsequently transferred to the merchant in accordance with applicable agreements

TransactBridge may facilitate this process but does not independently hold funds as a regulated deposit institution unless otherwise specified.

5. No Custodial Relationship

Unless explicitly stated:

• TransactBridge does not act as a custodian of customer funds
• Funds are held, processed, or safeguarded by regulated financial institutions

Users acknowledge that such institutions may have independent rights and obligations in relation to the processing of payments.

6. Licensing and Regulatory Status

TransactBridge operates in multiple jurisdictions and may:

• rely on licensed financial partners to provide regulated services
• operate under applicable exemptions where permitted
• provide services that do not require direct licensing

Where required, specific services may be subject to additional regulatory disclosures.

7. Merchant Responsibilities

Merchants using TransactBridge are responsible for:

• complying with all applicable laws and regulations
• ensuring lawful sale of products and services
• meeting tax, licensing, and consumer protection requirements
• complying with card network rules and applicable payment regulations

8. Customer Acknowledgement

By using services facilitated through TransactBridge, customers acknowledge that:

• payment processing involves third-party financial institutions
• TransactBridge acts as a facilitator of payment infrastructure
• rights and obligations may also be governed by the policies of payment networks and financial institutions

9. Cross-Border Transactions

Transactions processed through TransactBridge may involve:

• cross-border payment processing
• currency conversions
• international settlement systems

Such transactions may be subject to additional fees, regulatory requirements, and foreign exchange considerations imposed by financial partners.

10. Limitation of Financial Responsibility

To the extent permitted by law:

• TransactBridge is not responsible for delays or failures caused by financial institutions or payment networks
• TransactBridge does not guarantee uninterrupted availability of financial partner services
• financial institutions may impose their own terms, restrictions, or compliance requirements

11. Updates to Disclosures

TransactBridge may update these Regulatory Disclosures from time to time to reflect:

• changes in regulatory requirements
• updates to business operations
• changes in financial partner relationships

The most current version will be published on the TransactBridge website.

12. Contact Information

For questions regarding these disclosures, please contact:

Email: legal@transactbridge.com