Atlas
Terms of Service

The rules for using Atlas.

Effective Date: July 1, 2026

These Terms of Service (“Terms”) are a binding agreement between you (“Customer,” “you,” or “your”) and Regular Holding LLC, a New York limited liability company (“Regular Holding,” “we,” “us,” or “our”), governing your access to and use of the Atlas platform (“Atlas” or the “Platform”).

By accessing or using Atlas, you agree to these Terms. If you do not agree, do not use the Platform.

1. Overview of the Platform

1.1 Atlas Generally. Atlas is a business-to-business software platform that provides governance, approval workflow, recordkeeping, and payment-processing functionality to U.S. operating companies. Atlas records board and management approvals, maintains audit trails, stores transaction confirmations, and facilitates payment processing through approved third-party payment infrastructure.
1.2 Payment Processing. Regular Holding maintains merchant account relationships with third-party payment providers, including ACH processors, through which Atlas facilitates the processing of payment transactions on behalf of Customers. Payment processing is subject to the rules, terms, and requirements of the applicable third-party payment provider(s) (“Provider Terms”), NACHA Operating Rules, and applicable law. Atlas also maintains records of payment approvals, confirmations, and related documentation.
1.3 Not a Financial Institution. Regular Holding is not a bank, credit union, money transmitter, broker-dealer, investment adviser, custodian, fiduciary, or lender. Regular Holding does not hold customer funds on deposit, extend credit, or provide investment advice. Funds processed through the Platform are transmitted by third-party payment providers and their partnered financial institutions, not by Regular Holding directly.
1.4 Not a Fiduciary Services Provider. Regular Holding is not a fiduciary services provider, trustee, trust company, trust protector, foundation administrator, executor, personal representative, or estate planner, and does not accept or perform any fiduciary role with respect to any Customer, trust, foundation, beneficiary, or successor. Any trust, foundation, or similar wealth-planning vehicle recorded in Atlas is recorded solely for the Customer's own recordkeeping. Atlas does not draft, form, administer, interpret, or advise on any trust or foundation instrument; does not determine beneficiary rights or distributions; does not calculate gift, estate, or generation-skipping transfer tax; and does not opine on jurisdictional treatment. All fiduciary duties, discretion, and decisions remain with the responsible human trustee, officer, or advisor engaged by the Customer, and liability for those decisions stays with that person regardless of any Atlas output.
1.5 Not Legal, Tax, or Investment Advice. Nothing produced by Atlas — including AI-assisted extractions, drafted notices, flagged clauses, obligation status information, compliance calendars, transfer or distribution tracking, succession checklists, and exit-readiness reports — constitutes legal, tax, accounting, or investment advice. All such output is read-only, cited to source where possible, and requires review and approval by a qualified human before it has any legal or financial effect. Customer is responsible for engaging its own licensed counsel, tax advisors, and other professionals.

2. Eligibility and Accounts

2.1 Eligibility. Atlas is available only to U.S.-organized business entities that are operating companies. You represent and warrant that you are a duly organized and validly existing entity, authorized to enter into these Terms, and that the individual accepting these Terms has authority to bind the entity.
2.2 Account Registration. You must provide accurate, complete, and current information during registration and maintain the accuracy of that information. You are responsible for all activity under your account.
2.3 Prohibited Businesses. You may not use Atlas if your business is involved in any activity identified on the Prohibited Businesses List in Exhibit A. We reserve the right to update Exhibit A at any time.

3. Fees and Payment

3.1 Base Fee. The base subscription fee for Atlas is $2,500 per month, billed in advance. The base fee covers access to the Platform's governance, recordkeeping, and standard functionality.
3.2 Additional Fees. Fees for additional services, including payment-processing transaction fees, volume-based fees, or other service fees, will be set forth in a service order, pricing schedule, or the Platform dashboard and are incorporated into these Terms by reference.
3.3 Payment Method. You authorize Regular Holding to charge your designated payment method for all fees when due. If payment fails, we may suspend access until the account is current.
3.4 Taxes. All fees are exclusive of taxes. You are responsible for all applicable sales, use, and similar taxes, excluding taxes on Regular Holding's net income.
3.5 No Refunds. All fees are non-refundable except as expressly provided in these Terms or required by law.

4. Payment Processing Terms

4.1 Customer Obligations. When using Atlas to initiate, authorize, or facilitate payment transactions, you agree to:
  1. obtain and maintain valid, written authorization from each party whose account will be debited or credited, in compliance with NACHA Operating Rules and applicable law;
  2. comply with all NACHA Operating Rules, applicable Provider Terms, and all federal, state, and local laws and regulations governing electronic payments, including the Electronic Fund Transfer Act and Regulation E (to the extent applicable), the Bank Secrecy Act, and anti-money laundering laws;
  3. observe all transaction limits, velocity limits, and processing windows established by Regular Holding or the applicable payment provider;
  4. retain copies of all authorizations, supporting documentation, and records for at least two (2) years or such longer period as required by NACHA Operating Rules or applicable law;
  5. bear full responsibility for all returns, chargebacks, reversals, unauthorized entries, and associated fees or penalties arising from transactions you initiate or authorize through Atlas;
  6. promptly notify Regular Holding of any suspected unauthorized transactions, fraud, or errors; and
  7. not use the Platform to process transactions for any third party other than your own business operations unless expressly authorized in writing by Regular Holding.
4.2 Reserves. Regular Holding or its payment providers may require you to maintain a reserve balance to cover potential returns, chargebacks, or other liabilities. Reserve amounts and terms will be communicated to you in writing and may be adjusted based on transaction volume, return rates, or risk assessment.
4.3 Sanctions and Compliance Screening. You represent and warrant that neither you, your owners, officers, directors, nor the counterparties to your transactions are listed on any U.S. government sanctions or denied-persons list, including OFAC's Specially Designated Nationals List. You are solely responsible for screening your counterparties and transactions for compliance with applicable sanctions, anti-money laundering, and anti-terrorism financing laws.
4.4 Provider Terms. Your use of payment-processing functionality is subject to the terms and conditions of the applicable third-party payment provider(s). You agree to comply with all Provider Terms as a condition of using Atlas payment functionality. In the event of a conflict between these Terms and any Provider Terms, the more restrictive provision applies.
4.5 Originator Obligations. To the extent you initiate ACH entries through Atlas, you assume the obligations of an “Originator” under NACHA Operating Rules, including responsibility for the accuracy, timeliness, and authorization of all entries.

5. Acceptable Use

5.1 General Conduct. You agree to use Atlas only for lawful business purposes and in compliance with these Terms, all applicable laws, NACHA Operating Rules, and Provider Terms.
5.2 Prohibited Conduct. You may not:
  1. use Atlas for personal, household, or family purposes;
  2. use Atlas to process transactions on behalf of undisclosed third parties;
  3. submit false, misleading, or inaccurate information to Atlas or any payment provider;
  4. use Atlas in connection with any Prohibited Business listed in Exhibit A;
  5. attempt to circumvent any security feature, transaction limit, or access control;
  6. reverse-engineer, decompile, or disassemble the Platform;
  7. use Atlas in any manner that could damage, disable, or impair the Platform or interfere with any other party's use; or
  8. use Atlas in violation of any applicable sanctions, anti-money laundering, or anti-terrorism financing law.

6. Suspension and Termination

6.1 Suspension. We may suspend your access to Atlas, in whole or in part, immediately and without prior notice if we reasonably believe: (i) you have violated these Terms, any Provider Terms, NACHA Operating Rules, or applicable law; (ii) your account poses a fraud, compliance, or financial risk; (iii) suspension is required by a payment provider, regulatory authority, or law enforcement; or (iv) your account has an outstanding balance.
6.2 Termination by Customer. You may terminate your account at any time by providing written notice to hi@regularholding.com. Termination is effective at the end of the then-current billing period. You remain responsible for all fees incurred through the effective date of termination and for all outstanding transaction liabilities.
6.3 Termination by Regular Holding. We may terminate your account for any reason upon thirty (30) days' written notice, or immediately for cause, including breach of these Terms.
6.4 Effect of Termination. Upon termination: (i) your access to Atlas ceases; (ii) you remain liable for all accrued fees, returns, chargebacks, reserves, and other obligations; and (iii) provisions that by their nature survive termination will survive, including Sections 4, 7, 8, 9, 10, 11, 12, and 13.

7. Payment Authorization and Customer Instructions

7.1 Authorization. By submitting a payment instruction through Atlas, you authorize Regular Holding to transmit that instruction to the applicable third-party payment provider for processing. You represent that each instruction is accurate, authorized, and supported by valid documentation.
7.2 No Duty to Verify. Regular Holding is not obligated to independently verify the accuracy or authorization of payment instructions submitted by you. You bear sole responsibility for the accuracy of all instructions.
7.3 Irrevocability. Payment instructions submitted through Atlas may become irrevocable once transmitted to a payment provider. Regular Holding is not liable for any loss arising from an instruction that cannot be reversed or recalled.

8. Data, Privacy, and Confidentiality

8.1 Customer Data. You retain ownership of all data you submit to Atlas (“Customer Data”). You grant Regular Holding a limited, non-exclusive license to use Customer Data solely to operate and improve the Platform and to perform obligations under these Terms.
8.2 Privacy. Regular Holding's collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated by reference.
8.3 Confidentiality. Each party agrees to hold the other's Confidential Information in confidence and not to disclose it to any third party except as necessary to perform under these Terms, as required by law, or with the disclosing party's written consent. “Confidential Information” means any non-public information disclosed by one party to the other in connection with these Terms, excluding information that is publicly available, independently developed, or rightfully received from a third party without restriction.
8.4 Data Security. Regular Holding maintains commercially reasonable administrative, technical, and physical safeguards to protect Customer Data. However, no system is perfectly secure, and Regular Holding does not guarantee that Customer Data will not be accessed, disclosed, or lost through a security breach.
8.5 Regulatory Disclosures. Notwithstanding Section 8.3, Regular Holding may disclose Customer Data or Confidential Information to payment providers, financial institutions, regulators, or law enforcement as required by law, regulation, NACHA Operating Rules, or Provider Terms.

9. Intellectual Property

9.1 Regular Holding IP. Atlas, including all software, interfaces, content, documentation, trademarks, and related intellectual property, is and remains the exclusive property of Regular Holding and its licensors. These Terms grant you no ownership rights in the Platform.
9.2 License. Subject to these Terms and payment of all fees, Regular Holding grants you a limited, non-exclusive, non-transferable, revocable license to access and use Atlas solely for your internal business purposes during the term of your subscription.
9.3 Feedback. If you provide suggestions, ideas, or feedback regarding Atlas, you assign to Regular Holding all rights in that feedback, and Regular Holding may use it without restriction or compensation.

10. Disclaimers

10.1 As-Is. ATLAS IS PROVIDED “AS IS” AND “AS AVAILABLE.” REGULAR HOLDING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
10.2 No Financial or Legal Advice. Atlas does not provide legal, tax, financial, or investment advice. You are solely responsible for your own compliance and business decisions.
10.3 Third-Party Providers. Regular Holding does not warrant the performance, availability, or reliability of any third-party payment provider, financial institution, or other service integrated with Atlas. Your use of such services is at your own risk and subject to the applicable Provider Terms.
10.4 No Guarantee of Processing. Regular Holding does not guarantee that any payment instruction will be accepted, processed, or settled by a payment provider or financial institution.

11. Limitation of Liability

11.1 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, REGULAR HOLDING'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE FEES PAID BY YOU TO REGULAR HOLDING IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
11.2 Exclusion of Consequential Damages. IN NO EVENT WILL REGULAR HOLDING BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF REGULAR HOLDING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.3 Payment Processing Losses. WITHOUT LIMITING THE FOREGOING, REGULAR HOLDING IS NOT LIABLE FOR ANY LOSS ARISING FROM: (i) ACTS OR OMISSIONS OF THIRD-PARTY PAYMENT PROVIDERS OR FINANCIAL INSTITUTIONS; (ii) RETURNED, REVERSED, OR FAILED TRANSACTIONS; (iii) CUSTOMER'S FAILURE TO OBTAIN VALID AUTHORIZATIONS; OR (iv) CUSTOMER'S VIOLATION OF NACHA OPERATING RULES, PROVIDER TERMS, OR APPLICABLE LAW.

12. Indemnification

12.1 By Customer. You agree to indemnify, defend, and hold harmless Regular Holding and its members, managers, officers, employees, agents, and service providers from and against all claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (i) your use of Atlas; (ii) your violation of these Terms, any Provider Terms, NACHA Operating Rules, or applicable law; (iii) your payment transactions, including returns, chargebacks, unauthorized entries, and related disputes; (iv) your failure to obtain or maintain valid authorizations; (v) any claim by a third party arising from your transactions or business operations; or (vi) your breach of any representation or warranty in these Terms.

13. Governing Law and Dispute Resolution

13.1 Governing Law. These Terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles.
13.2 Venue. Any action or proceeding arising under these Terms must be brought exclusively in the state or federal courts located in New York County, New York. Each party consents to personal jurisdiction in those courts and waives any objection to venue.
13.3 Waiver of Jury Trial. EACH PARTY WAIVES ITS RIGHT TO A JURY TRIAL IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS.

14. Changes to Terms

14.1 Modifications. We may modify these Terms at any time by posting the revised version on the Platform and updating the Effective Date. Material changes will be communicated via email or in-Platform notice at least thirty (30) days before taking effect. Your continued use of Atlas after the effective date of a modification constitutes acceptance.

15. General Provisions

15.1 Entire Agreement. These Terms, together with any service orders, the Privacy Policy, and any Provider Terms incorporated by reference, constitute the entire agreement between you and Regular Holding regarding Atlas.
15.2 Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force and effect.
15.3 Waiver. No failure or delay in exercising any right constitutes a waiver of that right.
15.4 Assignment. You may not assign these Terms without Regular Holding's prior written consent. Regular Holding may assign these Terms freely.
15.5 Force Majeure. Regular Holding is not liable for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, government actions, payment network outages, or failures of third-party providers.
15.6 Notices. Notices to Regular Holding must be sent to hi@regularholding.com. Notices to you will be sent to the email address on file for your account.
15.7 Relationship. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between the parties.
Exhibit A

Prohibited Businesses

The following categories of businesses are prohibited from using Atlas. Regular Holding reserves the right to update this list at any time.

  1. Illegal activities or businesses operating in violation of applicable law
  2. Money services businesses, unlicensed money transmitters, or currency exchanges
  3. Gambling, lottery, or gaming operations (unless fully licensed and pre-approved)
  4. Adult entertainment or pornography
  5. Cannabis or controlled substances (regardless of state legality, unless pre-approved)
  6. Weapons, firearms, or ammunition sales
  7. Ponzi schemes, pyramid schemes, or multi-level marketing with inventory loading
  8. Shell companies with no legitimate operating business
  9. Debt collection agencies engaged in abusive practices
  10. Telemarketing or outbound phone-based sales of financial products
  11. Cryptocurrency exchanges, wallets, or token issuances (unless pre-approved)
  12. Payday lending, title lending, or high-interest consumer lending
  13. Businesses on OFAC's Specially Designated Nationals List or any other U.S. government sanctions or denied-persons list
  14. Any business identified as prohibited by the applicable third-party payment provider