PRIVACY POLICY
Effective Date: 2025 Jan
Last Updated: 2025 March
TWELVE45 Group, Inc. (“we,” “us,” or “our”) values your privacy and is committed to protecting the personal and business information you share with us. This Privacy Policy explains how we collect, use, store, and protect your information when you engage with our services, website, or communications.
1. Information We Collect
We collect the following types of information:
A. Personal and Business Information
• Name, email address, phone number, and mailing address
• Company name, industry, and business details
• Payment and billing details (e.g., transaction history, invoices), banking details, credit card information.
• User account credentials (if applicable)
B. Technical and Usage Data
• IP addresses, browser type, and operating system
• Website usage data (cookies, page visits, and interactions)
• Communication records (emails, messages, and customer support inquiries)
C. Confidential Business Information
• Business financials and operational data shared for consulting purposes
• eCommerce sales data and transaction records (as applicable)
2. How We Use Your Information
We use the information collected to:
• Provide, deliver, manage, and improve our services
• Process payments and facilitate transactions securely
• Personalize our offerings based on client needs
• Communicate updates, offers, and business insights
• Maintain compliance with legal and regulatory obligations
• Prevent fraud and ensure security
3. How We Share Your Information
We do not sell or rent your information. However, we may share it with:
• Service Providers & Partners (e.g., payment processors, IT providers) who help us deliver services
• Legal & Regulatory Authorities when required by law or to prevent fraud
• Business Transfers in the case of mergers, acquisitions, or business restructuring
4. How We Protect Your Information
We implement industry-standard security measures to protect your data, including:
• Encryption and secure storage of sensitive data
• Access controls and authentication measures
• Regular security audits and monitoring for potential threats
5. Your Rights & Choices
You may have rights regarding your data, depending on applicable privacy laws:
• Access & Correction: Request access to or correction of your personal information
• Opt-Out: Unsubscribe from marketing emails or limit data collection via cookie settings
• Deletion: Request deletion of your personal data, subject to legal obligations
To exercise these rights, contact us at info@increaseprofits.ca
6. Data Retention
We retain your information only as long as necessary to fulfill business, legal, or regulatory obligations.
7. Third-Party Links & Services
Our website and services may contain links to third-party sites. We are not responsible for their privacy practices, and we encourage you to review their policies before sharing information.
8. Updates to This Policy
We may update this policy periodically. Changes will be posted on our website with an updated effective date.
9. Contact Us
For questions about this policy or data protection, please contact:
TWELVE45 Group, Inc.
4230 Sherwoodtowne Blvd
Mississauga, ON Canada, L4Z 2G6
(647) 953 - 2087
www.increaseprofits.ca
TERMS & CONDITIONS
Effective Date: 2025 Jan
Last Updated: 2025 March
These Terms and Conditions (the “Agreement”) govern the use of services provided by Twelve45 Group Inc. (“Twelve45 Group Inc,” ”TWELVE45,” “we,” “us,” or “our”) to the client (“Client,” “you,” or “your”). By using our services, you agree to be bound by these terms.
1. INFORMATION & DATA USAGE
1.1 Authorization for Data Sharing
(a) The Client authorizes TWELVE45 Group Inc. to share necessary business or transactional data with third parties only for the purpose of delivering ancillary services or fulfilling contractual obligations.
(b) The Client further authorizes TWELVE45 Group Inc. to use transactional data for:
• (i) Developing and improving value-added services.
• (ii) Compensating referral partners, where applicable.
1.2 Access & Representation
(a) The Client grants TWELVE45 Group Inc. and its authorized employees, affiliates, and partners the right to communicate and engage with third parties, including clients, customers, corporations, and competitors, on the Client’s behalf, where applicable to the services provided.
(b) The Client authorizes TWELVE45 Group Inc. to access and manage social media accounts, web properties, and other online platforms as required for service fulfillment. The Client waives any right to claims against TWELVE45 Group Inc. related to privacy, intellectual property, or access rights arising from this engagement.
1.3 Equipment & Service Selection
The Client acknowledges that they have been provided with sufficient information regarding alternative service and equipment providers. By choosing TWELVE45 Group Inc., the Client confirms that this decision was made independently and at their own discretion.
2. TERM & TERMINATION
2.1 Termination by TWELVE45 Group Inc.
TWELVE45 Group Inc. may suspend or terminate this Agreement immediately without notice if:
(a) The Client fails to comply with any material terms of this Agreement.
(b) The Client is deemed to pose an unacceptable risk to TWELVE45 Group Inc.’s business operations, reputation, or service integrity.
2.2 Termination by Client
The Client may terminate this Agreement at any time, subject to an Early Termination Fee (ETF) equal to the remaining balance of fees owed for the contracted term or for an ETF of $199 at the discretion of TWELVE45 Group Inc.
2.3 Effect of Termination
Upon termination:
• The Client must immediately cease using TWELVE45 Group Inc.’s services.
• Any outstanding fees or charges will become due immediately.
• TWELVE45 Group Inc. reserves the right to retain data as required by law or business necessity.
3. LIMITATION OF LIABILITY
(a) TWELVE45 Group Inc. does not guarantee or warrant the performance, availability, or uninterrupted use of the services, equipment, or third-party integrations.
(b) If TWELVE45 Group Inc. is found liable for any damages, its liability shall not exceed the total fees paid by the Client in the 30 days immediately preceding the claim.
(c) TWELVE45 Group Inc. shall not be liable for:
• Lost profits, lost revenues, lost opportunities, or reputational damage.
• Errors, omissions, service interruptions, or third-party failures.
• Indirect, incidental, consequential, material, immaterial or punitive damages.
(d) TWELVE45 Group Inc. shall not be held liable for delays, failures, or defaults caused by:
• Electrical, communication, banking, or payment system failures.
• Acts of God, natural disasters, severe weather, labor disputes, war, or government actions.
(e) TWELVE45 Group Inc. shall not be held liable for any delay or default in the performance of our obligations in this Agreement as a result of any failure of internet-related, web/app, banking, or Payment Acquirer systems and/or strike, lockout, governmental acts or restrictions, or emergency situations.
4. CONFIDENTIALITY & INTELLECTUAL PROPERTY
4.1 Protection of Confidential Information
(a) Both parties agree to keep confidential any proprietary or business-sensitive information shared during the course of service.
(b)TWELVE45 Group Inc. reserves the right to use anonymized or aggregated data for business analysis, service improvements, or compliance.
4.2 Intellectual Property Rights
(a) All intellectual property, designs, documents, software, and materials created by TWELVE45 Group Inc. remain its sole property unless otherwise agreed in writing.
(b) The Client may not copy, distribute, modify, or reproduce any proprietary content provided by TWELVE45 without explicit written consent.
5. PAYMENT TERMS
(a) The Client agrees to pay all applicable fees as outlined in the service agreement.
(b) Late payments may be subject to interest charges at a rate of $45 NSF (Non-sufficient Funds) Fee payable immediately. Further TWELVE45 Group Inc reserves the right to additionally apply a 5% per month late payment fee (or the maximum allowable by law).
(c) All fees are non-refundable, except where required by law.
(d) The Client is responsible for any applicable taxes, processing fees, or third-party charges.
6. GENERAL PROVISIONS
6.1 Governing Law & Dispute Resolution
This Agreement shall be governed by the laws of Ontario, Canada. Any disputes shall be resolved through negotiation, mediation, or binding arbitration in Mississauga, Ontario.
6.2 Force Majeure
TWELVE45 Group Inc. is not liable for delays or failures caused by events beyond its control, including but not limited to natural disasters, technical failures, cyberattacks, or regulatory changes.
6.3 Amendments
TWELVE45 Group Inc. reserves the right to update or modify these Terms & Conditions. Any changes will be posted on our website and will take effect upon publication.
6.4 Severability
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
6.5 Entire Agreement
This Agreement constitutes the entire agreement between the Client and TWELVE45 Group Inc., superseding any prior agreements or understandings, whether written or oral.
6.6 Contact Information
For any questions regarding these Terms & Conditions, please contact:
TWELVE45 Group Inc.
4230 Sherwoodtowne Blvd,
Mississauga, ON L4Z 2G6
(647) 953 - 2087
www.increaseprofits.ca
FAQs
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While Twelve45 can function similarly to a broker, our role goes beyond simple matchmaking. We act as an auxiliary business consultant, meaning we don’t just connect you with a service—we take the time to understand your business, analyze your needs, and provide strategic recommendations that align with your goals.
As your first point of contact and dedicated account management team, we ensure a seamless experience.
Unlike a traditional broker, our focus is not just on transactions but on long-term business growth, cost savings, and operational efficiency. We remain involved to ensure that the solutions we recommend continue to serve your business effectively.
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In Canada, credit and debit card processing rates are federally regulated, meaning all payment processors and merchant service providers start with the same base rates. However, the final rate you receive depends on factors such as your business type, transaction volume, and—most importantly—the relationship you have with your provider.
At Twelve45, we leverage our industry expertise, partnerships, and negotiation power to secure the most competitive rates tailored to your business. By understanding your unique needs and advocating on your behalf, we help ensure you’re not overpaying while still receiving the best service and support.
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At TWELVE45, we take a proactive, multi-pronged approach to troubleshooting and problem-solving, ensuring your business experiences minimal downtime and remains payment-ready at all times.
Rather than relying on a one-size-fits-all support model, we coordinate across multiple specialized teams—including technical support, billing, and account management—to address issues efficiently and effectively. Whether you’re facing a system error, a billing discrepancy, or an account-related concern, our team works swiftly to identify the root cause and implement the best possible solution.
By streamlining communication and leveraging our industry expertise, we ensure that challenges are resolved quickly, accurately, and with minimal disruption to your business operations. Our goal is simple: to keep your business running smoothly so you can focus on what matters most—your customers.
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The setup timeline depends on the specific needs of your business and the complexity of the implementation. However, in most cases, the initial setup is completed within 24-48 hours.
For more advanced integrations or custom solutions, timelines may vary, but our team works efficiently to ensure a smooth and timely onboarding process. We prioritize getting you up and running as quickly as possible while ensuring everything is set up correctly for long-term success.
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The PG ensures that if the business closes or goes out of business, a responsible individual guarantees payment of any outstanding fees.
It is not tied to the total transaction volume processed but specifically to outstanding processing fees.
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When a PG is signed, the underwriter reviews both the business’s financials and the owner’s personal credit to assess credibility.
This additional assurance helps secure approval for the account with more favorable terms.
In short, a PG is not required, however, it can lead to a smoother onboarding process.