Ratio - Terms of Use

Ratio Customer Agreement

Last updated: May 21, 2026

This Customer Agreement ("Agreement") is a legal contract between Ratio ("we," "us," or "our") and you ("you," "your," or "Customer") regarding the purchase of the products or services from sellers that offer Ratio as a payment processor or finance partner ("Seller(s)"). Please read the terms of this Agreement carefully. This Agreement governs your use of this site ("Website"), your use of our services, and your access to your Ratio account and service through the Website (together, the "Ratio Services" or "Services"). By creating a Ratio account ("Account"), you agree to be bound by this Agreement on your own behalf and on behalf of the organization or company that employs you. You will not be able to create an Account, meaning you will not be able to use the Services, without agreeing to this Agreement. You should read these terms carefully before creating an Account or otherwise using the Ratio Services. If you do not want to agree to the Agreement, do not create an Account or use the Services. We recommend you print or save a copy of this Agreement for your records.

Section 9 of the Agreement contains a Waiver of Jury Trials and Binding Arbitration provision requiring use of arbitration rather than a jury or court trial. Carefully review Section 9 before you agree to this Agreement, access the Ratio Website, or use the Ratio Service.

The Agreement

Changes to this Agreement.

We can change, update, or add or remove provisions of this Agreement, at any time, by posting the updated Agreement on our Website. We will indicate at the top of the Agreement the date that we last revised the Agreement. We will provide notice to you at the email address listed on your Account and may provide notice on the Website, and/or upon your first login to your Account after making the changes. By using the Website or the Services after we updated the Agreement, you are agreeing to the updated Agreement; if you do not agree with any of the updated terms, you must stop using your Account and the Services. Any amendment to the Agreement will apply only to Orders that are entered into or claims that arise on or after the date the amendment becomes effective.

Authority to Act on Behalf of an Organization or Company.

At the time of agreeing to this Agreement and each time you sign in to your Account, you represent and warrant that (1) you are currently employed by the organization or company you seek to bind to this Agreement and (2) you are duly authorized to agree to the Agreement on behalf of such organization or company.

What is Ratio?

The Ratio Service.

Ratio acts as a billing agent and/or financing partner in connection with your purchase of goods or services from Sellers ("Seller's Services"). Ratio will seek certain information from you to determine your eligibility for the Ratio Services. Ratio will send you a purchase order ("Order") setting forth the purchase price for the Seller's Services and other purchase terms, including any applicable finance and other charges (together, the "Customer Payment Amount"). You will not pay the Customer Payment Amount to the Seller. Instead, per the terms of the Order, you will be obligated to pay Ratio the Customer Payment Amount.

Your Account.

To become a Customer of the Ratio Services, you must create an Account. To create an Account, you will be required to create a username and password and provide us with some information about the Customer, including a bank account and other payment information ("Payment Method"), as well as other financial information (together, the "Account Information"). You agree that all Account Information provided by you is true, accurate, current, and complete. Ratio reserves the right to close, suspend, or limit access to your Account and all Ratio Services if we are unable to obtain or verify this information or if you remove your Payment Method.

Ratio Service and Account Eligibility

You agree and understand that Ratio limits access to Ratio Services solely to employees of organizations or companies. By registering for and using a Ratio Account, you represent, acknowledge and agree that you are at least 18 years of age, and that any access to your Ratio Account or the Services by anyone under 18 is unauthorized, unlicensed, and a violation of the Agreement.

Account Security

You are responsible for maintaining the confidentiality of your password and may be required to use additional security procedures to access your Ratio Account. You are solely responsible for any and all use of your Ratio Account and all activities that occur under or in connection with it. Notify us if your password or any other security credential for your Ratio Account is lost or stolen.

Ratio's Role in Your Transaction with the Seller

Ratio is not a party to any purchase or sale of Seller's goods or services between you and the Seller. If you have a dispute with a Seller regarding the products or services, please contact the Seller directly. Note that if you fail to pay the Customer Payment Amount within 3 days of any due date, the Seller may disable the Seller Services.

Cancelling Orders

We may choose not to approve or may cancel an approved Order before the goods or services are delivered if: (i) we consider it necessary to protect our systems or our Services; (ii) you do not pass our verifications or checks; (iii) we suspect a breach of this Agreement; or (iv) we consider the Order to be suspicious.

Automatic Payments

a. Payment Schedule. We will send you an email with terms for paying the Customer Payment Amount. This email is your confirmation that you have agreed to make regularly scheduled electronic payments. If an Automatic Payment fails, we reserve the right to reattempt processing the payment at later times. You can select a preferred Payment Method when creating your Ratio Account and can update it at any time.

b. Authorization. You consent to Ratio processing and collecting Automatic Payment amounts using any Payment Method on file, beginning with your preferred Payment Method. You acknowledge that you are giving us the ability to collect or reverse payment amounts.Failure to maintain sufficient funds in your Payment Method for Automatic Payments is your responsibility.

Account Deactivation and Reactivation

If outstanding amounts owed to us for an Order have not been paid after 2 days of the due date, we have the right to deactivate your Ratio Account. You will still have access, but will not be able to make additional purchases until you reactivate your Ratio Account by paying any past due amounts.

Authorization to Credit Your Payment Method

In certain cases, such as a refund or a service credit, Ratio may need to submit a payment to your bank account or card on file. You grant Ratio the right to perform these payments.

Credit Reports and Banking Information.

By opening a Ratio Account, you authorize Ratio to obtain your credit report from a credit bureau and to review your banking and financial records for the purpose of providing the Ratio Services.

Our Communications with You

Notices to You.

By agreeing to the Agreement, you consent to receiving electronic communications from Ratio about your Account and the Ratio Services. These Communications may include your Payment Schedule, Order information, and other related information. You agree to keep your email information current at all times. Any Communications we send electronically will satisfy legal requirements.

Contacting You.

You consent to be contacted by us, our agents, representatives, or anyone calling on our behalf for any purposes at any telephone number you have provided, including SMS messages or calls. You may opt-out of automated calls and texts by replying STOP to any message.

Recording Calls.

You understand and agree that Ratio may monitor or record telephone conversations you have with us for quality control and training purposes.

Your Privacy and Our Privacy Policies.

Protecting your privacy is very important to Ratio. Please review our Privacy Policy to understand our commitment to maintaining your privacy and use of your information.

Our Intellectual Property and Your Use of It.

"Ratio.com," "Ratio", "Ratio, Inc.", and all related logos are either trademarks or registered trademarks of Ratio. You may not copy, imitate or use them without prior written consent.

Activities Restricted Throughout Ratio Services.

In connection with your use of our Website, Ratio Account, Ratio Services, or your interactions with Ratio, you will not:

Liability.

Actions by Ratio - Account Closure, Termination of Service, Limited Account Access.

If we close your Account, we will provide notice of our actions. If we limit access, we will also provide an opportunity to request restoration of access if appropriate.

Limitations of Liability.

RATIO AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO THE RATIO SERVICES, UNLESS PROHIBITED BY LAW.

No Warranty.

THE RATIO SERVICES ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED. Ratio does not guarantee uninterrupted access to any part of the Ratio Services.

Leaving Ratio and Closing Your Account.

You may close your Account at any time by following the instructions in your Account profile. You remain liable for all obligations related to your Account even after closure.

Disputes with Ratio.

Contact Ratio First.

If a dispute arises, report it by emailing claims@ratiotech.com.

Applicable Law.

This Agreement will be governed by the laws of the State of Delaware.

Waiver of Jury Trials and Binding Arbitration.

You and Ratio agree that all disputes shall be resolved through final and binding arbitration, rather than in court.

Class Action Waiver

Any arbitration or trial will take place on an individual basis, precluding class or representative actions.

Arbitration of Commercial Claims.

Any disputes will be administered by the American Arbitration Association under its rules.

General Provisions.

Insolvency Proceedings.

If any bankruptcy proceedings are commenced, Ratio will recover all reasonable costs incurred in connection with this Agreement.

No Waiver.

Our failure to act with respect to a breach does not waive our right to act in future breaches.

Assignment.

You may not transfer any rights or obligations under this Agreement without our prior written consent.

Complete Agreement.

This Agreement sets forth the entire understanding between you and Ratio regarding the subject matter herein.