KachetTerms of Service
Last updated: September 26, 2026
These Terms of Service ("Terms") are an agreement between you and NotaryPay Technologies LLC, a Florida limited liability company doing business as Kachet ("Kachet," "we," "us," or "our"). They cover your use of the Kachet website at getkachet.com, the Kachet notary portal, and every related service we offer (together, the "Service").
By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
1. What Kachet is
Kachet is software that helps notaries and signing agents request and receive payments from their clients, for example by sending a secure payment link by text message, WhatsApp, or email, or by showing a QR code.
Kachet is a technology platform. Kachet is not a bank, and Kachet is not a money transmitter. We never hold your funds. Payments are processed, and funds are settled to your bank account, by our payment processing partner and its bank partners, as described in Section 4.
Kachet does not provide legal, tax, or accounting advice, and nothing in the Service is a substitute for that advice.
2. Who can use Kachet
To use the Service, you must:
- be at least 18 years old;
- live in, and operate your business in, the United States;
- use the Service only for your own business, and only to receive payment for services you actually provide; and
- be able to form a binding contract, and not be barred from receiving payment services under U.S. law.
The Service is built for commissioned notaries public and notary signing agents. If you tell us you hold a notary commission, you confirm that it is valid and in good standing, and you agree to tell us if it expires, is suspended, or is revoked.
3. Your account and verification
You agree to give us accurate, current, and complete information when you sign up, and to keep it up to date.
Before you can receive payments, you must verify your identity and your bank account. Verification is done on secure forms hosted by our payment processing partner. The partner collects sensitive information, such as your Social Security number, date of birth, government ID, and bank account details, directly from you. Kachet does not store your full Social Security number or bank account number. You authorize us and our partner to verify the information you give, including by checking it against third-party databases and consumer reporting agencies.
We or our partner may approve or decline any application, and may ask you for more information at any time.
You are responsible for keeping your password confidential and for all activity in your account. Tell us right away at info@getkachet.com if you believe someone has used your account without permission.
4. Payment processing by our partner
Payment processing is provided by Finix Payments, Inc. ("Finix"), together with its sponsor bank and the card networks. To receive payments through Kachet, you must also accept the Finix Sub-Merchant Terms of Service (the "Processor Terms"), which are part of your agreement to use the Service. You accept them when you complete verification.
If these Terms and the Processor Terms conflict on a matter of payment processing, the Processor Terms control. Finix, its banks, and the card networks (such as Visa, Mastercard, American Express, and Discover) have their own rules, and you agree to follow them.
You authorize Kachet to share your account and transaction information with Finix and its partners as needed to provide the Service, and to act on your behalf when communicating with Finix about your account.
5. Fees
Our current fees are listed on our Fees page, which is part of these Terms. Unless the Fees page says otherwise, fees are charged per successful payment.
How fees are collected. You authorize us and our payment partner to deduct our fees, and any fees for optional features you choose to use, from the payments you receive before they are deposited to your bank account. If a deduction is not possible, for example because there are no incoming payments, you authorize us to debit the bank account you verified for any amount you owe.
Optional paid features. We may offer optional features for an additional charge, such as a monthly plan. We will always show you the price and how it is billed before you sign up for a paid feature, and you can cancel it at any time. Canceling stops future charges; it does not refund charges already made, unless the offer says otherwise.
Faster deposits. If we offer faster deposit options, their price will be shown before you choose them.
Changes to fees. We may change our fees. We will give you at least 30 days' notice by email or in the portal before a fee increase applies to you. If you do not agree to the change, you may close your account before it takes effect.
Taxes. You are responsible for any taxes on the payments you receive. Our payment partner may be required to report your payment volume to the IRS (for example, on Form 1099-K) and may ask you for tax information for that purpose.
6. Deposits, holds, and reserves
Funds from approved payments are deposited to the bank account you verified, usually within one to two business days. Deposit times are estimates, not guarantees. Bank holidays, verification reviews, and your bank's own processing can delay a deposit.
Our payment partner may delay, hold, or keep a reserve on funds, or limit the amount you can accept, if it believes it is needed to manage risk. Examples include unusual activity, a high rate of disputes, incomplete verification, or a suspected violation of these Terms or the Processor Terms. We will tell you when this happens, unless the law or our partner does not allow us to.
You must keep your bank account information current. If a deposit fails because of wrong or outdated bank details, it may be delayed until you correct them.
7. Refunds, disputes, and chargebacks
Refunds. You decide whether to give a client a refund, as long as your decision follows the law and card network rules. When a refund is issued, the refunded amount comes out of your future deposits or, if that is not possible, from your bank account. Fees on the original payment may not be returned.
Disputes and chargebacks. A client can dispute a card payment with their bank. If that happens, the disputed amount, plus any dispute fee listed on the Fees page, may be taken back from your future deposits or your bank account while the dispute is reviewed. We will tell you about the dispute and help you send evidence, such as the signed document log or a record of the appointment. The bank and card network make the final decision, not Kachet.
You are responsible. You are responsible for all refunds, disputes, chargebacks, fines, and card network assessments connected to your payments. If your account has a negative balance, you agree to pay it promptly, and you authorize us and our partner to recover it from future deposits or from your bank account.
8. Your notary obligations
You are solely responsible for how you run your notary business, including:
- following the notary laws and rules of every state where you hold a commission or perform services;
- charging only fees that are allowed by law. Many states set a maximum fee for each notarial act. Where your state allows it, list notary fees separately from travel or other service fees so your client can see what each charge is for;
- keeping any journal or records your state requires; and
- telling clients about your fees in advance when the law requires it.
Kachet may offer tools that help with these tasks, such as fee reminders. Those tools are a convenience only. Kachet does not check whether your fees or your services comply with the law, and you remain responsible for compliance.
9. Your clients
When you create a payment request, you give us your client's name, phone number, description of the service, and amount. You confirm that you have the right to share that information with us and to contact your client with the payment link.
Your client pays on a secure page hosted by our payment partner. Card and bank details your client enters go directly to our partner; Kachet does not see or store full card numbers.
You are responsible for your relationship with your clients, including the quality of your services, the accuracy of what you charge, and any receipts or disclosures the law requires.
10. Things you may not do
You may not use the Service to:
- accept payment for services you did not provide, or for anyone other than yourself;
- break any law, including notary, consumer protection, anti-money laundering, and sanctions laws;
- engage in fraud, or accept payments you know or should know are unauthorized;
- give cash advances, split one sale into several payments to avoid limits, or charge a card to give the client cash;
- sell goods or services that our payment partner or the card networks prohibit;
- send spam or messages your clients did not agree to receive;
- copy, reverse engineer, overload, or interfere with the Service or its security, or try to access another user's account; or
- give false information about yourself or your business.
11. Your public profile page
Once you begin verification, Kachet creates a public profile page for you at a web address like getkachet.com/n/your-name. Our payment partner uses this page as your business website, and you may share it with clients and signing companies.
Your profile page may show your name, business name, the state of your commission, your commission number and expiration date, the services you offer, and the ways you accept payment. It does not show your email, phone number, or address. We ask search engines not to list profile pages.
You give us permission to display this information on your profile page while your account is open. You confirm that the information is accurate. You can ask us to correct it at any time.
12. Messages we send you
You agree that we may send you notices and other messages about your account and payments by email or in the portal. These messages are part of the Service, and you cannot opt out of them while your account is open. If we add text message notifications, we will ask for your consent before sending them. If we ever send marketing emails, each one will include a way to unsubscribe.
13. Our intellectual property
The Service, including the Kachet name and logo, our software, and our website, belongs to NotaryPay Technologies LLC and is protected by law. We give you a limited, personal, non-transferable right to use the Service for your business while your account is open and you follow these Terms. You may not use the Kachet name or logo in a way that suggests we endorse you, other than to tell clients that you accept payments through Kachet.
If you send us ideas or feedback, we may use them freely without paying you.
14. Suspension and closing your account
You may close your account at any time by emailing info@getkachet.com. Closing your account does not cancel amounts you owe or pending refunds, disputes, or chargebacks.
We may suspend or close your account, or limit what you can do, if you break these Terms or the Processor Terms, if our payment partner requires it, if your notary commission is no longer valid, if we suspect fraud or illegal activity, or if we stop offering the Service. When we can, we will give you notice and an explanation first.
Sections 5 through 10 and 13 through 20 continue to apply after your account is closed, to the extent they concern anything that happened while it was open.
15. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT ALLOWED BY LAW, KACHET DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT PROMISE THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE AT ALL TIMES, OR THAT ANY PAYMENT WILL BE APPROVED OR DEPOSITED BY A CERTAIN TIME.
16. Limitation of liability
TO THE FULLEST EXTENT ALLOWED BY LAW, KACHET AND ITS MEMBERS, MANAGERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST BUSINESS, OR LOST DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT BE MORE THAN THE GREATER OF (A) THE FEES YOU PAID TO KACHET IN THE 12 MONTHS BEFORE THE EVENT THAT GAVE RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Some states do not allow certain of these limits, so some of them may not apply to you.
17. Indemnification
You agree to defend, indemnify, and hold harmless Kachet and its members, managers, employees, and partners from any claims, losses, fines, and expenses (including reasonable attorneys' fees) that arise from your notary services, your payments, your breach of these Terms or the Processor Terms, or your violation of any law or anyone's rights.
18. Governing law and disputes
These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law rules.
If you have a concern, please contact us first at info@getkachet.com, and we will try to resolve it informally within 30 days. If we cannot, any lawsuit about these Terms or the Service must be brought only in the state or federal courts located in Miami-Dade County, Florida, and you and Kachet agree to the jurisdiction of those courts.
19. Changes to these Terms
We may update these Terms from time to time. If a change is material, we will tell you by email or in the portal at least 30 days before it takes effect. The "Last updated" date at the top shows when the Terms last changed. If you keep using the Service after a change takes effect, you accept the updated Terms. If you do not agree, you may close your account.
20. General terms
These Terms, together with the Privacy Policy, the Fees page, and the Processor Terms, are the entire agreement between you and Kachet about the Service. If any part of these Terms cannot be enforced, the rest stays in effect. If we do not enforce a right right away, we do not give it up. You may not transfer your account or these Terms to anyone else without our written permission; we may transfer them as part of a merger, sale, or reorganization of our business. Neither party is responsible for delays caused by events outside its reasonable control.
21. Contact us
NotaryPay Technologies LLC, doing business as Kachet
Email: info@getkachet.com
Support: support@getkachet.com