Terms & Conditions

Terms and Conditions for MidWest Mages
 

Last updated: February 20, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website www.Midwestmages.shop and any related digital services, applications, online payment processing, or content (collectively, the “Site”), operated by Midwest Mages (“we,” “us,” or “our”). By accessing, browsing, or using the Site—including making any online payment—you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as all applicable laws and regulations. If you do not agree, do not use the Site or submit payments.

1. General Use

The Site is provided for informational, [e.g., governmental/service-related] purposes, including the submission of payments for games or any other items/services used. You may use the Site for lawful purposes only. Unauthorized use, including attempts to modify, disrupt, or gain unauthorized access to the Site or payment systems, is prohibited and may violate federal and state laws (e.g., Computer Fraud and Abuse Act).

2. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is owned by MidWest Mages LLC, the State of Minnesota, or third-party licensors and is protected by copyright, trademark, and other laws. You may view, download, and print content for personal, non-commercial use only, provided you retain all copyright and proprietary notices. No reproduction, distribution, modification, or creation of derivative works is permitted without prior written consent.

3. Online Payments

• Payment Processing: Online payments are processed through a secure third-party payment vendor [specify if known, e.g., "US Bank" or "our PCI DSS-compliant processor"]. When you initiate a payment, you are redirected to the vendor's secure site for transaction completion. We do not store your full payment card details on our systems; payment information is handled by the vendor in compliance with Payment Card Industry Data Security Standards (PCI DSS).

• Accepted Methods: We accept [list: major credit cards (Visa, MasterCard, Discover, American Express), debit cards with card network logos, electronic checks, etc.]. Availability may vary.

• Convenience Fees (if applicable): A convenience fee may be charged to cover transaction processing costs, as permitted under Minn. Stat. § 16A.626 (for public entities) or applicable law. The fee will be clearly displayed before you complete the transaction.

• Transaction Finality: All payments and transactions submitted through the Site are final and non-refundable, except as required by law or explicitly stated for a specific service. No refunds will be issued for [e.g., submitted applications, fees, or services once processed]. Disputes regarding payments must be directed to us or the payment vendor as noted below.

• Confirmation: Upon successful payment, you will receive a confirmation [e.g., via email or on-screen]. Retain this for your records. Processing times may vary; some services require manual review.

• Your Responsibility: You warrant that all payment information you provide is accurate, current, and belongs to you or that you are authorized to use it. You agree not to use the payment features for fraudulent or unauthorized purposes.

4. User Submissions and Data

Any information you submit—including payment-related data—becomes government data under the Minnesota Government Data Practices Act (Minn. Stat. Chapter 13) if applicable, or is otherwise handled per our Privacy Statement. Payment data is processed securely by our vendor and not retained by us beyond what is necessary for transaction records.

5. No Warranties / Disclaimer of Liability

The Site and its content (including payment features) are provided “as is” and “as available” without warranties of any kind, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We make reasonable efforts to ensure secure and accurate processing but do not guarantee uninterrupted access, error-free transactions, or protection against all security threats. Links to external sites (including payment processors) are for convenience; we are not responsible for their content, security, or practices. To the fullest extent permitted by law, [Organization/Entity Name], its officers, employees, and agents disclaim liability for any damages (direct, indirect, incidental, consequential, special, or punitive) arising from use of the Site, payment processing errors, or inability to use the Site, even if advised of the possibility of such damages.

6. Limitation of Liability

In no event shall our total liability exceed [e.g., the amount of the transaction in question or $100]. Certain laws may not allow limitations on implied warranties or exclusion of certain damages; these limitations may not apply to you.

7. Indemnification

You agree to indemnify and hold harmless [Organization/Entity Name], the State of Minnesota (if applicable), and their respective officers, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site, payment submissions, violation of these Terms, or infringement of third-party rights.

8. Accessibility

We strive to make the Site accessible in accordance with WCAG 2.1 Level AA, the State of Minnesota Digital Accessibility Standard, and applicable federal requirements (e.g., Section 508). See our Accessibility Statement for details.

9. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Minnesota, without regard to conflict of law principles. Any disputes arising from these Terms, use of the Site, or online payments shall be resolved exclusively in the state or federal courts located in [e.g., Ramsey County or your county], Minnesota. You consent to the jurisdiction and venue of such courts.

10. Changes to Terms

We may update these Terms periodically. Changes will be posted here with the updated date. Your continued use of the Site or submission of payments after changes constitutes acceptance of the revised Terms.

11. Termination

We reserve the right to terminate or restrict access to the Site (including payment features) at any time without notice for any reason, including violations of these Terms.

12. Miscellaneous

• Severability: If any provision is held invalid, the remainder remains in effect.

• No Waiver: Failure to enforce any right does not waive it.

• Entire Agreement: These Terms, along with our Privacy Statement and Accessibility Statement, constitute the entire agreement.

Contact Us For questions about these Terms, payments, disputes, or refunds:

• Email: [payments@yourorganization.org or legal@yourorganization.org]

• Phone: [phone number; Minnesota Relay Service at 711 if applicable]

• Mail: [full address]

For payment processor issues: Contact [payment vendor name/support, if known].

For more on Minnesota laws (e.g., MGDPA, payment statutes), visit: https://www.revisor.mn.gov/statutes/ or relevant state resources.

This updated template adds dedicated payment sections inspired by Minnesota examples (e.g., Secretary of State: final transactions, secure redirects, PCI-validated vendors; state guidelines: convenience fees, no pre-payments where restricted). If your setup uses a specific processor (e.g., US Bank e-Payments), add details. Let me know if you need further customization (e.g., for private business, e-commerce goods vs. fees, or refund policies).

The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of Terms & Conditions. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific terms you wish to establish between your business and your customers and visitors. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Terms & Conditions.

Terms & Conditions - the basics

Having said that, Terms and Conditions (“T&C”) are a set of legally binding terms defined by you, as the owner of this website. The T&C set forth the legal boundaries governing the activities of the website visitors, or your customers, while they visit or engage with this website. The T&C are meant to establish the legal relationship between the site visitors and you as the website owner. 

T&C should be defined according to the specific needs and nature of each website. For example, a website offering products to customers in e-commerce transactions requires T&C that are different from the T&C of a website only providing information (like a blog, a landing page, and so on).     

T&C provide you as the website owner the ability to protect yourself from potential legal exposure, but this may differ from jurisdiction to jurisdiction, so make sure to receive local legal advice if you are trying to protect yourself from legal exposure.

What to include in the T&C document

Generally speaking, T&C often address these types of issues: Who is allowed to use the website; the possible payment methods; a declaration that the website owner may change his or her offering in the future; the types of warranties the website owner gives his or her customers; a reference to issues of intellectual property or copyrights, where relevant; the website owner’s right to suspend or cancel a member’s account; and much, much more. 

To learn more about this, check out our article “Creating a Terms and Conditions Policy”.