Welcome to ChattaPay. These Terms of Service (“Terms”) govern your use of ChattaPay’s website, software, and services (“Services”).By accessing or using any part of our website or services, you agree to these Terms.If you do not agree, please do not use our site or services.
1. Who We Are
ChattaPay (“we,” “us,” or “our”) is a payroll and HR services provider based in Chattanooga, Tennessee, offering payroll processing, timekeeping, background checks, and related employer solutions to businesses across Tennessee and the United States.
2. Use of Our Services
You agree to use ChattaPay’s Services only for lawful purposes and in compliance with all applicable federal, state, and local laws, including wage, labor, and tax regulations.
To access and use our payroll system, you must:
Be a legitimate business entity authorized to process payroll and taxes;
Provide accurate and complete information;
Maintain updated company, employee, and bank data; and
Keep all account credentials confidential.
ChattaPay reserves the right to suspend or terminate access to our Services for misuse, fraud, or violation of these Terms.
3. Client Responsibilities
As a ChattaPay client, you are responsible for:
Submitting accurate payroll data by the stated deadlines;
Maintaining sufficient funds in your payroll account to cover net pay, taxes, and fees;
Reviewing all payroll reports for accuracy before approval;
Notifying ChattaPay promptly of any changes to employee or company information.
You understand that late submissions, incorrect data, or insufficient funds may delay payroll processing or result in additional charges.
4. Payroll Processing and Direct Deposit
ChattaPay processes payroll based on the information provided by you.Direct deposit transactions typically require two (2) banking days to process.It is your responsibility to ensure all banking details and pay data are accurate before approval.
ChattaPay is not responsible for:
Delays caused by your financial institution or third-party networks;
Incorrect employee data submitted by your business;
Fees assessed by your bank for returned or rejected transactions.
5. Fees and Billing
You agree to pay all applicable fees for ChattaPay Services according to your service agreement or pricing plan.Service fees are typically debited one business day before your payroll check date.
If funds are not available, additional NSF (non-sufficient funds) fees may apply from both ChattaPay and your financial institution.
We reserve the right to adjust pricing or fees with prior notice.
6. Confidentiality and Data Security
Both ChattaPay and its clients agree to maintain strict confidentiality of payroll and employee data.We use advanced encryption, secure data centers, and access controls to safeguard sensitive information.For more information, please review our Privacy Policy (link to your privacy policy page).
7. Intellectual Property
All content, branding, logos, software, and materials on the ChattaPay website are the property of ChattaPay, LLC.You may not reproduce, copy, or distribute any content without prior written consent.
8. Limitation of Liability
To the fullest extent permitted by law, ChattaPay is not liable for:
Indirect, incidental, or consequential damages;
Loss of profits, data, or business opportunities;
Errors caused by inaccurate information provided by the client.
In no event shall ChattaPay’s total liability exceed the amount you paid for the service during the three (3) months preceding the claim.
9. Indemnification
You agree to indemnify and hold ChattaPay, its employees, and affiliates harmless from any claims, losses, or damages arising from:
Your use or misuse of the Services;
Data or instructions you provide;
Your violation of any laws or third-party rights.
10. Service Modifications and Termination
ChattaPay may modify, suspend, or discontinue any aspect of its Services at any time with reasonable notice.Either party may terminate the service agreement with appropriate written notice as stated in your client contract.
11. Compliance with Laws
You agree to comply with all applicable employment, tax, and privacy laws, including:
Internal Revenue Code (IRS)
Fair Labor Standards Act (FLSA)
Tennessee Department of Revenue and Department of Labor regulations
Any applicable federal and state data privacy laws
ChattaPay is not a legal or tax advisor. Clients should consult their CPA or attorney for specific compliance guidance.
12. Governing Law
These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.Any disputes will be handled in the appropriate courts located in Hamilton County, Tennessee.
13. Updates to Terms
ChattaPay may revise these Terms periodically.Updates will be posted on our website with a new effective date.Continued use of our Services after updates constitutes acceptance of the revised Terms.
14. Contact Us
If you have questions or concerns about these Terms, please contact:
ChattaPay Payroll & HR Services1100 Market Street, Ste. 610Chattanooga, TN📧 moc.yapattahc%40ofni📞 (423) 781-6000