Terms of Service
Effective July 13, 2026
1. Who we are
ForgePay ("ForgePay," "we," "us," or "our") is a product of ForgeHQ. These Terms of Service ("Terms") govern access to and use of ForgePay's website, application, and related services (collectively, the "Service") by law firms and their authorized users ("you" or "your"). By creating an account, accessing the application, or using a ForgePay-hosted payment page, you agree to these Terms.
2. The Service
ForgePay is payment-operations software built for law firms. It provides a virtual terminal, payment links, invoices, client financing, payment plans, trust and operating account routing, trust ledger tracking, reconciliation-ready reporting, and SMS collections. ForgePay is software — it is not a bank, a money transmitter, a payment processor, or a law firm, and it does not hold or transmit funds on its own behalf.
3. Accounts and acceptable use
You must provide accurate account and firm information and keep your login credentials confidential. You're responsible for all activity under your account, including actions taken by users your firm authorizes. You agree not to use the Service for any unlawful purpose, to process payments you are not entitled to collect, to attempt to circumvent the Service's security, or to interfere with its normal operation.
4. Payment processing
All card payments made through the Service are processed by third-party payment processors (currently Electronic Merchant Systems and its gateway, NMI). Cardholder data is entered directly into the processor's hosted payment fields and is transmitted directly to the processor — it never touches ForgePay's servers. Your use of card processing is also subject to your merchant processing agreement with the processor and the card network rules that apply to it. ForgePay is not a party to, and is not responsible for, the processor's approval, underwriting, or settlement decisions.
5. Fees
Subscription and processing fees applicable to your account are disclosed during onboarding or in your order form and may be updated with notice as described in Section 10. Processing fees charged by the payment processor are separate from, and in addition to, any ForgePay subscription fees.
6. Refunds
Refunds are issued by the law firm that charged the payment, not by ForgePay. If you believe you were charged in error, contact the firm you paid directly — ForgePay does not have authority to initiate or reverse a charge on a firm's behalf.
7. Trust accounting responsibility
ForgePay provides record-keeping tools — trust ledger tracking, trust/operating routing, and reconciliation-ready reports — to help your firm manage client funds. These tools do not constitute legal, accounting, or IOLTA compliance advice, and ForgePay does not certify compliance with any jurisdiction's trust accounting rules. Responsibility for complying with applicable trust accounting and bar rules remains solely with your firm at all times.
8. Service availability
We aim to keep the Service reliably available but do not guarantee uninterrupted or error-free operation. The Service may be unavailable for maintenance, updates, or causes outside our control, including outages at our hosting, payment processing, or other service providers.
9. Limitation of liability
To the fullest extent permitted by law, ForgePay and ForgeHQ will not be liable for indirect, incidental, special, or consequential damages, or for lost profits or data, arising from your use of the Service. ForgePay's total liability for any claim arising out of the Service is limited to the fees you paid to ForgePay for the Service in the three months preceding the claim.
10. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we'll update the effective date above and, where appropriate, notify account administrators. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
11. Termination
You may stop using the Service at any time. We may suspend or terminate access to the Service for violation of these Terms, for non-payment, or where required by our payment processor or applicable law. Provisions that by their nature should survive termination — including Sections 4, 6, 7, and 9 — will survive.
12. Governing law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law principles.
13. Contact
Questions about these Terms can be sent to [email protected].