Last updated: May 10, 2026
These Terms of Service ("Terms") govern your use of the RateKillers website at ratekillers.polsia.app and any related services provided by Joe Hecker / RateKillers ("we," "us," "our"), based in Greensboro, NC. By accessing or using our site, you agree to these Terms.
RateKillers is a payment processing consulting service. We provide:
The calculator provides estimates based on inputs you provide. Results are for informational purposes only and do not constitute a guaranteed quote or binding offer. Actual savings depend on your specific merchant account, transaction mix, and processor terms.
You must be at least 18 years old and have the authority to represent your business to use this service. By submitting your information, you confirm you are authorized to share your business's financial and processing data.
When using our service, you agree to:
The rate analysis and statement review are free. We are compensated through referral arrangements with payment processors if you choose to switch — you pay nothing extra for this. You are under no obligation to switch processors after receiving your analysis.
All content on this site — including the rate calculator, copy, design, and logos — is owned by RateKillers and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
The service is provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be error-free, uninterrupted, or that calculator results will be accurate for your specific situation. Use the rate calculator as a directional estimate, not a guaranteed figure.
To the maximum extent permitted by law, RateKillers and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of — or inability to use — this service, even if advised of the possibility of such damages. Our total liability for any claim arising from this service shall not exceed $100.
You agree to indemnify and hold harmless RateKillers, Joe Hecker, and any affiliates from any claims, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the service, your violation of these Terms, or your submission of inaccurate or unauthorized information.
Our site may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of those sites. Visiting them is at your own risk.
Any dispute arising out of or relating to these Terms or your use of the service shall first be attempted to be resolved informally by contacting us at joe@ratekillers.com. If unresolved within 30 days, disputes shall be resolved in a court of competent jurisdiction in Guilford County, North Carolina, and you consent to personal jurisdiction in that venue.
These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law provisions.
We may revise these Terms at any time. When we do, we'll update the "Last updated" date. Continued use of the site after changes take effect means you accept the revised Terms.
Contact us at joe@ratekillers.com or call 336-740-0343.
Joe Hecker · RateKillers · Greensboro, NC 27401