Legal

Terms & Conditions

Last updated: 20 February 2026

1. Introduction

These terms and conditions outline the rules and regulations for the use of CrestPay's website, located at crest-pay.com.

By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use crest-pay.com if you do not agree to take all of the terms and conditions stated on this page.

2. Information About Us and Our Role

crest-pay.com is a site operated by CrestPay (“We”, “Us”, or “Our”).

Nature of Business: We operate exclusively as an independent commercial introducer and lead generation service. We are not a bank, an acquiring bank, a payment facilitator, or a financial advisor. Our sole responsibility and service provided through this website is to collect your business inquiries and introduce you to our designated payment partner: COALESCE CORPORATION LIMITED (Company number SC842510).

Any actual payment processing services, merchant accounts, or hardware provision will be subject to a separate agreement entirely between your business and COALESCE CORPORATION LIMITED (or their acquiring banking partners).

3. Intellectual Property Rights

Unless otherwise stated, CrestPay and/or its licensors own the intellectual property rights for all material on crest-pay.com. All intellectual property rights are reserved. You may access this from crest-pay.com for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from crest-pay.com.
  • Sell, rent, or sub-license material from crest-pay.com.
  • Reproduce, duplicate, or copy material from crest-pay.com.
  • Redistribute content from CrestPay.

4. Acceptable Use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish, or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.

5. No Reliance on Information

The content on our site is provided for general information only. It is not intended to amount to advice (financial, legal, or otherwise) on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

While we make reasonable efforts to update the information on our site, we make no representations, warranties, or guarantees, whether express or implied, that the content on our site is accurate, complete, or up to date. Rates, savings, and merchant service features advertised are subject to underwriting and approval by COALESCE CORPORATION LIMITED and are not guaranteed by CrestPay.

6. Limitation of Liability

Nothing in these terms and conditions will:

  • Limit or exclude our or your liability for death or personal injury resulting from negligence.
  • Limit or exclude our or your liability for fraud or fraudulent misrepresentation.
  • Limit any of our or your liabilities in any way that is not permitted under applicable law.

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website.

As an introducer, CrestPay shall not be held liable for any direct, indirect, special, or consequential loss or damage arising under these terms and conditions or in connection with our website, whether arising in tort, contract, or otherwise. Specifically, we bear no liability for any losses, disputes, fee discrepancies, or service interruptions that arise from your subsequent business relationship or contract with COALESCE CORPORATION LIMITED or any acquiring bank they place you with.

7. Links to Third-Party Websites

Our website may contain links to third-party websites or services that are not owned or controlled by CrestPay. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that CrestPay shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

8. Governing Law and Jurisdiction

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of Scotland and the wider United Kingdom.

You irrevocably agree that the courts of the United Kingdom shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms and Conditions.