Effective Date: June 15, 2026 · Banyon Data Systems, Inc.
Please read these Terms of Use carefully before using BanyonPay. By accessing or using BanyonPay, you agree to be bound by these Terms. If you do not agree, do not use the service.
These Terms of Use (“Terms”) constitute a legally binding agreement between you and Banyon Data Systems, Inc. (“Banyon,” “we,” “us,” or “our”), a Minnesota corporation located at 350 W Burnsville Pkwy, Burnsville, MN 55337. They govern your use of the BanyonPay online payment platform, including all associated websites, applications, and services (collectively, the “Service”).
By creating an account, clicking “I agree,” or otherwise using the Service, you represent that you have read, understood, and agree to these Terms. Your continued use after any modification constitutes acceptance of the updated Terms.
BanyonPay is a secure online payment portal that enables residents, businesses, and authorized representatives to pay municipal utility bills, vendor invoices, and other amounts owed to participating cities and municipalities (“Entities”). Banyon acts solely as a technology intermediary; it does not own, manage, or administer the underlying municipal accounts or billing systems.
The Service includes account registration and management, bill lookup, online payment processing via CardConnect (a Fiserv company), payment history, invoice management, and related features as described at the time of use.
You must be at least 18 years old to create an account or initiate a payment through BanyonPay. By using the Service, you represent and warrant that you are at least 18 years of age or are using the Service under the supervision and with the consent of a parent or legal guardian.
If you are acting on behalf of another individual (e.g., paying a family member’s utility bill), you represent that you are authorized to act as that person’s agent for purposes of initiating payments and managing account information through BanyonPay.
Use of the Service is void where prohibited by applicable law.
To access certain features, you must register for an account. When registering, you agree to:
Banyon reserves the right to suspend or terminate accounts that contain inaccurate information, violate these Terms, or have been compromised.
Municipalities, cities, and other government entities that use BanyonPay to manage their billing portal (“Entity Administrators”) agree to these Terms and, in addition, to the following:
Payments made through BanyonPay are processed by CardConnect (a Fiserv company), a PCI DSS–compliant payment processor. Banyon does not store, transmit, or process raw payment card numbers; all card data is handled exclusively by CardConnect in accordance with their security standards.
By initiating a payment, you authorize Banyon to submit your payment to CardConnect on your behalf and to transmit the payment confirmation to the applicable Entity. You acknowledge that:
Because payments are made to a municipality or government entity, refund and adjustment decisions rest entirely with that Entity. Banyon has no authority to issue refunds of amounts paid to an Entity. To request a refund, credit, or correction, you must contact the relevant municipality or government entity directly.
If you believe a payment was processed in error due to a technical failure on Banyon’s platform (e.g., a duplicate charge caused by a system error), contact us at support@banyon.com within 30 days of the transaction. We will investigate and coordinate with CardConnect and the Entity as appropriate. Banyon’s liability in such cases is limited as set forth in Section 12 below.
Non-refundable convenience fees will not be reversed except in cases of documented technical error attributable solely to Banyon.
You agree not to use the Service to:
Violation of this section may result in immediate account suspension, termination, and referral to law enforcement where appropriate.
All content, features, and functionality of BanyonPay—including but not limited to the BanyonPay name, logo, user interface design, text, graphics, software, and source code—are owned by or licensed to Banyon Data Systems, Inc. and are protected by United States and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for its intended purpose of making and managing municipal payments. You may not copy, modify, distribute, sell, reverse engineer, or create derivative works of any part of the Service without Banyon’s prior written consent.
BanyonPay integrates with third-party services to deliver its functionality:
Banyon is not responsible for the practices, availability, or content of any third-party services. Links to or integrations with third-party services do not constitute an endorsement.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BANYON DATA SYSTEMS, INC. EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
BANYON DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY INFORMATION OBTAINED THROUGH THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (C) DEFECTS IN THE SERVICE WILL BE CORRECTED. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BANYON DATA SYSTEMS, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUCCESSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF BANYON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL BANYON’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL FEES YOU PAID TO BANYON DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations shall apply to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless Banyon Data Systems, Inc. and its officers, directors, employees, agents, and contractors from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of or access to the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party right, including intellectual property or privacy rights.
These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict-of-law principles. Any legal action or proceeding not subject to arbitration under Section 15 shall be brought exclusively in the state or federal courts located in Dakota County or Ramsey County, Minnesota, and you hereby consent to personal jurisdiction and venue in such courts.
Informal Resolution. Before initiating any formal proceeding, the parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service by contacting support@banyon.com and engaging in good-faith negotiation for at least 30 days.
Binding Arbitration. If informal resolution fails, any dispute (except as excluded below) shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified by these Terms. Arbitration shall take place in Dakota County, Minnesota or via videoconference. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver. YOU AND BANYON EACH AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this waiver is found unenforceable, the entire arbitration provision shall be null and void.
Exclusions. Either party may seek injunctive or other equitable relief in court for claims involving intellectual property infringement, unauthorized access to the Service, or other matters where monetary damages would be inadequate.
Banyon reserves the right to modify these Terms at any time. If we make material changes, we will notify you at least 30 days in advance by email (if you have an account) or by posting a notice on the Service. Your continued use of the Service after the effective date of any revision constitutes your acceptance of the updated Terms.
If you do not agree to the modified Terms, you must stop using the Service and may request account deletion by contacting support@banyon.com.
Banyon may suspend, restrict, or terminate your access to the Service at any time, with or without notice, for any reason including but not limited to violation of these Terms, suspected fraudulent activity, or inactivity. Upon termination, your right to use the Service immediately ceases. Provisions that by their nature should survive termination—including Sections 9, 11, 12, 13, 14, and 15—shall survive.
You may terminate your account at any time by contacting support@banyon.com. Termination does not relieve you of obligations for payments already initiated.
Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Banyon regarding the Service and supersede all prior agreements and understandings.
Severability. If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.
No Waiver. Banyon’s failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment. You may not assign your rights or obligations under these Terms without Banyon’s prior written consent. Banyon may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
Questions about these Terms? Contact us:
Banyon Data Systems, Inc.Last updated: June 15, 2026