Website Use & Credit Card Policy

Last Updated: October 24, 2025

Welcome to integraladvantage.com (the “Website”), operated by Integral Advantage, Inc. (“we,” “us,” or “our”).
By accessing or using our Website, you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use our Website.


1. Use of the Website

You agree to use this Website only for lawful purposes and in accordance with these Terms.
You must not:

  • Use the Website in any way that violates applicable laws or regulations.

  • Attempt to gain unauthorized access to our systems or data.

  • Engage in any activity that interferes with the Website’s functionality or security.


2. Intellectual Property Rights

All content on this Website, including text, graphics, images, logos, and layout, is the property of Integral Advantage, Inc. or its licensors and is protected under applicable copyright and trademark laws.
You may not reproduce, distribute, modify, or use any material from the Website without our prior written permission.


3. Products and Services

Information about our products or services is provided for general informational purposes only and may change without notice.
We make every effort to ensure accuracy; however, Integral Advantage, Inc. does not guarantee that all information, descriptions, or pricing is error-free, complete, or up to date.


4. Credit Card Payments

4.1 Payment Processing

We accept major credit and debit cards, including Visa, MasterCard, American Express, and Discover, processed securely through our Bank of America Merchant Services account and associated payment gateway.
All transactions are encrypted and handled in compliance with the Payment Card Industry Data Security Standard (PCI DSS).
We do not store full credit card numbers or sensitive cardholder data on our servers.

4.2 Authorization and Settlement

When you submit payment information at checkout, authorization is obtained from your card issuer for the amount due.
Once authorized, the transaction is captured and settled according to Bank of America’s merchant settlement schedule.
We reserve the right to delay settlement in cases of suspected fraud, billing discrepancies, or as otherwise required by our payment processor.

4.3 Pricing, Fees, and Surcharges

All prices displayed on our Website are shown in U.S. Dollars (USD) and include applicable taxes unless otherwise noted.
Integral Advantage, Inc. absorbs all credit card processing costs — we do not impose additional surcharges or convenience fees.
If future adjustments are made to include such fees, we will comply with all card-network rules and applicable state and federal laws.

4.4 Refunds and Cancellations

Refunds, cancellations, or returns are governed by our Refund Policy, accessible on this Website.
If a refund is issued, it will be processed back to the original card used for payment.
Please note that depending on your card issuer, it may take several business days for the refund to appear on your statement.

4.5 Chargebacks and Disputes

If a chargeback or payment dispute is initiated through your card issuer, we will respond in accordance with Bank of America Merchant Operating Guide procedures.
Should the dispute be found invalid, Integral Advantage, Inc. reserves the right to recover related costs or restrict future transactions.

4.6 Fraud Prevention and Security

We use Address Verification System (AVS), CVV verification, and other fraud-prevention tools to protect both you and us from unauthorized transactions.
Any suspected fraudulent transaction may be refused, reported, or investigated.
We cooperate with card issuers, financial institutions, and law enforcement when necessary to maintain transactional integrity.

4.7 Billing Descriptor

Charges processed through this Website will appear on your card statement as “Integral Advantage” or a variation thereof consistent with our merchant account.
If you do not recognize a charge, please contact us immediately at centerforIA@gmail.com or (760) 203-4959 before initiating a dispute with your card issuer.


5. Third-Party Links

Our Website may include links to third-party sites such as Amazon or Barnes & Noble, where users can purchase our products.
These links are provided for convenience only. We do not control or endorse third-party websites and are not responsible for their content, policies, or actions.
You access such sites at your own risk.


6. Limitation of Liability

To the fullest extent permitted by law, Integral Advantage, Inc. shall not be liable for any damages arising from your use or inability to use this Website, including but not limited to:

  • Direct, indirect, incidental, or consequential damages.

  • Loss of data, revenue, or profits.

  • Damages resulting from third-party links or actions.


7. Disclaimer of Warranties

The Website and its content are provided on an “as-is” and “as-available” basis without any warranties of any kind, express or implied.
We make no representations or guarantees that the Website will be uninterrupted, error-free, or free of harmful components.


8. Indemnification

You agree to indemnify, defend, and hold harmless Integral Advantage, Inc., its affiliates, employees, and agents from and against any claims, liabilities, damages, or expenses arising from your use of the Website or violation of these Terms.


9. Privacy

Your use of this Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your information.
By using our Website, you consent to our Privacy Policy.


10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.
Any disputes arising under these Terms shall be resolved in the appropriate courts of Riverside County, California.


11. Termination

We reserve the right to suspend or terminate your access to the Website at any time, without notice, for any conduct that we believe violates these Terms or is harmful to our interests or other users.


12. Changes to the Terms

We may revise these Terms from time to time. Any updates will be posted on this page with a revised “Last Updated” date.
By continuing to use the Website after such changes, you agree to the updated Terms.


13. Contact Information

If you have any questions about these Terms or about a credit-card charge, please contact us at:

Integral Advantage, Inc.
📍 79-405 California Hwy 111, Ste. 9-318
La Quinta, CA 92253
📞 (760) 203-4959
🌐 www.integraladvantage.com
📧 centerforIA@gmail.com