Terms of Service
Last updated: June 30, 2026
1. Acceptance of Terms
By accessing or using the website located at onefivey.com (the "Site"), operated by 15Y LLC ("15Y," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.
2. About Our Services
15Y provides payments and electronic money movement consulting and advisory services to banks, credit unions, financial institutions, and fintechs. Information on this Site is provided for general informational purposes only and does not constitute a proposal, offer, or binding commitment to provide services. Nothing on this Site creates an advisory, agency, partnership, joint venture, or fiduciary relationship between you and 15Y. Any actual engagement with 15Y — and any advisory or fiduciary duties associated with it — is governed exclusively by a separately executed statement of work or services agreement between 15Y and the client.
3. No Financial Advice
Content on this Site, including descriptions of our capabilities, case studies, and general commentary on payments trends, is provided for informational purposes only and should not be relied upon as financial advice. You should consult your own qualified advisors regarding your specific financial circumstances before acting on anything described on this Site.
4. Case Studies and Results
Case studies and results referenced on this Site describe past client engagements and outcomes. Past results are illustrative and are not a guarantee of future performance; results vary based on each organization's circumstances, market conditions, execution, and factors outside 15Y's control. No case study or testimonial on this Site should be construed as a promise or guarantee of similar results for any other organization.
5. No Endorsement; Third-Party References
This Site references categories of third parties in the payments ecosystem — including card networks, sponsor banks, merchant processors, payfacs, payment aggregators, and payment gateways — for descriptive purposes only. These references do not imply that 15Y is affiliated with, endorsed by, or sponsored by any specific company or organization, and do not imply that any such company endorses 15Y. Any trademarks, service marks, or trade names referenced on this Site belong to their respective owners.
6. Intellectual Property
All content on this Site, including text, graphics, logos, and design elements, is the property of 15Y LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
7. Submitting Information Through This Site
Information you submit through our contact form is used to respond to your inquiry, as described in our Privacy Policy. Please do not submit confidential, proprietary, or regulated data through the contact form; any such information should be shared only through the secure channels established as part of a formal engagement. 15Y is not responsible for errors, delays, or inaccuracies resulting from incomplete or incorrect information you or your organization provide.
8. Disclaimer of Warranties
This Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, timeliness, or fitness for a particular purpose. 15Y does not warrant that the Site will be uninterrupted, secure, or free of errors.
9. Limitation of Liability
To the fullest extent permitted by law, 15Y LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site, even if advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless 15Y LLC, its members, and its personnel from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of this Site or your violation of these Terms. This provision survives termination of your use of the Site.
11. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
12. Changes to These Terms
We may update these Terms of Service from time to time. The "Last updated" date above reflects the most recent revision.
13. Governing Law
These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles.
14. Contact Us
Questions about these Terms can be sent to gethelp@onefivey.com.