Terms of Service

Effective date: July 26, 2026

Material change on July 26, 2026: Section 11 now contains the actual terms of the Pro subscription ($12 per month, processed by Stripe), and Section 2 reflects that the free tool remains free alongside it. No other section changed.

These Terms of Service (“Terms”) are an agreement between you and Positive Pay Generator, a sole proprietorship (“we,” “us”), governing your use of the website and tools at positivepaygenerator.com (the “Service”). By using the Service — including generating or downloading a file — you agree to these Terms. If you are using the Service for a business, you represent that you have authority to bind that business, and “you” includes it.

If you do not agree to these Terms, do not use the Service.

1. What the Service is (and is not)

The Service converts check-register files you supply into text file layouts intended for use with bank “positive pay” services. It is a formatting tool. It is not:

Bank file formats are transcribed from published documentation, with a confidence level and source shown for each format. Banks change their requirements without notice, some formats are reproduced from third-party documentation rather than bank documents, and your bank’s own portal and documentation are always the authoritative reference.

2. Beta status

The core tool is offered free of charge as a beta. That means it is still being tested, may contain errors, and may be changed, suspended, or discontinued at any time without notice. An optional paid Pro subscription is available under Section 11; buying it does not change the beta character of the Service. Converting a check register into a bank format remains free during the beta, and we will not retroactively charge for past use.

3. Your responsibilities

You are responsible for the files you submit to your bank. Specifically, you agree to:

4. Privacy; local processing

Check-register processing happens in your browser. The contents of files you open in the tool are not transmitted to or stored on our servers. Our Privacy Policy describes the limited information involved in serving you the site. The Privacy Policy is part of these Terms.

5. Acceptable use

You may not: (a) use the Service to commit or facilitate fraud, including creating issue files for checks you are not authorized to issue; (b) probe, disrupt, or overload the Service or attempt to circumvent its security; (c) scrape or bulk-copy the Service’s format documentation to build a competing dataset; (d) misrepresent the Service as affiliated with any bank; or (e) use the Service in violation of law. We may block or refuse service to anyone at our discretion.

6. Intellectual property

We own the Service — its code, design, text, and compilation of format documentation — except for third-party open-source components (licensed under their own terms) and the underlying bank file layouts themselves, which are facts belonging to no one. We claim no rights in your data: files you process are yours, and because processing is local we never receive them. Bank names and QuickBooks® are trademarks of their respective owners, used only to identify file-format compatibility; no affiliation or endorsement is implied. You get a personal, non-exclusive, revocable license to use the Service for its intended purpose; you may not copy, resell, or offer the Service itself to third parties as your own.

7. Feedback and submitted specifications

If you send us feedback or bank specification documents (for example, to request a new format), you grant us the right to use them to operate and improve the Service without obligation or compensation. Do not send us confidential information; do not send documents you are not permitted to share.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WITHOUT LIMITING THAT: WE DO NOT WARRANT THAT GENERATED FILES WILL BE ACCEPTED OR CORRECTLY PROCESSED BY ANY BANK, THAT FORMAT DOCUMENTATION IS CURRENT OR ERROR-FREE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. SOME STATES DO NOT ALLOW LIMITS ON IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, BANK FEES, REJECTED OR MISPROCESSED FILES, CHECKS WRONGLY PAID OR RETURNED, OR FRAUD LOSSES, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE (WHICH, FOR THE FREE BETA, IS ZERO) OR, IF A COURT REQUIRES A NON-ZERO MINIMUM, FIFTY DOLLARS ($50). THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

10. Indemnification

If you use the Service for a business, you will indemnify us against third-party claims (including reasonable attorneys’ fees) arising from files you submitted to a bank, your data, or your violation of these Terms or of law.

11. Pro subscription

Price and billing. Pro costs $12 per month, billed monthly by Stripe under Stripe’s own terms. We do not receive or store card numbers. The subscription renews automatically each month until canceled. If we change the price, we will post notice on the site at least 30 days before the new price applies to an existing subscription.

Cancellation and refunds. You can cancel anytime, using the subscription management link in your Stripe receipt email or by emailing support@positivepaygenerator.com; cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except where required by law, but if the Service materially failed to work for you, email us and we will make it right.

What Pro is. Pro adds convenience features, currently: named saved bank profiles and saved custom layouts, stored only in your browser. Your license is a signed token stored in your browser rather than an account. The token renews periodically over the network while your subscription is active; if you cancel, saving stops working when the current token lapses, no later than about 60 days after the end of the period you paid for, and usually much sooner; profiles already stored in your browser remain yours and remain loadable. Clearing browser data removes the license and saved profiles from that browser; you can re-activate from your activation link while your subscription is active. We may add, change, or remove specific Pro features as the product evolves; if we remove something material mid-subscription, you can cancel and Section 11 refund handling applies.

12. Changes to the Service and to these Terms

We may modify or discontinue the Service (including removing bank formats) at any time. We may update these Terms; if we make material changes we will update the effective date and post notice on the site (and, once accounts exist, notify account holders by email). Your continued use after changes take effect is acceptance of the updated Terms.

13. Termination

You can stop using the Service at any time. We may suspend or terminate your access at any time, particularly for violations of Section 5. Sections that by their nature should survive (6, 8, 9, 10, 14, 15) survive termination.

14. Governing law

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-laws rules. Subject to Section 15, the state or federal courts located in Illinois have exclusive jurisdiction, and each party consents to venue there.

15. Disputes; arbitration

Any dispute arising out of these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its consumer rules, rather than in court, except that (a) either party may bring an individual claim in small-claims court, and (b) either party may seek injunctive relief in court for intellectual-property misuse. You and we each waive the right to a jury trial and to participate in a class action. You may opt out of this arbitration provision by emailing support@positivepaygenerator.com within 30 days of first accepting these Terms. If the class-action waiver is found unenforceable, this entire Section 15 is void.

16. Miscellaneous

These Terms (with the Privacy Policy) are the entire agreement between us regarding the Service. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a sale or reorganization of the business. Notices to us: support@positivepaygenerator.com.

17. Contact

Positive Pay Generator support@positivepaygenerator.com