Skip to Contact an Expert Skip to Main Content
Clover
  • Your business
    • Industries
      • Restaurants - dining
      • Restaurants - counter
      • Retail - small
      • Retail - medium
      • Health & beauty
      • Ecommerce
      • Show All
    • Opportunities
      • Adding ecommerce
      • Starting new business locations
      • Customer loyalty & spending
      • Accepting currencies
      • Taking card payments
      • Staff management
      • Show All
      • Stock management
      • Switch payment provider
  • Our solutions
    • All solutions
      • Clover Flex
      • Clover Mini
      • Clover Station Pro
      • Accessories
      • Clover Apps
    • Portable card machines
    • Countertop POS devices
    • Online payments
      • By website
      • By phone
      • By Email/text
  • Help & guidance
    • Resources
    • User guides
    • FAQs
  • Contact
Talk to us
Log in
  • Clover Dashboard
  • Merchant Portal
  • Clientline
  • All portals
  • Item 1 of 4, Your business
    Home Page
    • Item 1 of 2, Industries
      Your business
      • Item 1 of 6, Restaurants - dining
      • Item 2 of 6, Restaurants - counter
      • Item 3 of 6, Retail - small
      • Item 4 of 6, Retail - medium
      • Item 5 of 6, Health & beauty
      • Item 6 of 6, Ecommerce
    • Item 2 of 2, Opportunities
      Your business
      • Item 1 of 8, Adding ecommerce
      • Item 2 of 8, Starting new business locations
      • Item 3 of 8, Customer loyalty & spending
      • Item 4 of 8, Accepting currencies
      • Item 5 of 8, Taking card payments
      • Item 6 of 8, Staff management
      • Item 7 of 8, Stock management
      • Item 8 of 8, Switch payment provider
  • Item 2 of 4, Our solutions
    Home Page
    • Item 1 of 4, All solutions
      Our solutions
      • Item 1 of 5, Clover Flex
      • Item 2 of 5, Clover Mini
      • Item 3 of 5, Clover Station Pro
      • Item 4 of 5, Accessories
      • Item 5 of 5, Clover Apps
    • Item 2 of 4, Portable card machines
    • Item 3 of 4, Countertop POS devices
    • Item 4 of 4, Online payments
      Our solutions
      • Item 1 of 3, By website
      • Item 2 of 3, By phone
      • Item 3 of 3, By Email/text
  • Item 3 of 4, Help & guidance
    Home Page
    • Item 1 of 3, Resources
    • Item 2 of 3, User guides
    • Item 3 of 3, FAQs
  • Item 4 of 4, Contact
  • Additional menu item,Log in
    Home Page
    • Clover Dashboard
    • Merchant Portal
    • Clientline
    • All portals
Talk to us
  1. Legal
  2. Forward Looking Statements
Forward Looking Statements

Forward-looking statements

Notice to Investors, Prospective Investors and the Investment Community; Cautionary Information Regarding Forward-Looking Statements

Certain matters we discuss in our public statements may constitute forward-looking statements. You can identify forward-looking statements because they contain words such as "believes," "expects," "may," "will," "should," "seeks," "intends," "plans," "estimates," or "anticipates" or similar expressions which concern our strategy, plans, projections or intentions. Examples of forward-looking statements include, but are not limited to, all statements we make relating to revenue, earnings before net interest expense, income taxes, depreciation, and amortization (EBITDA), earnings, margins, growth rates, and other financial results for future periods. By their nature, forward-looking statements speak only as of the date they are made; are not statements of historical fact or guarantees of future performance; and are subject to risks, uncertainties, assumptions or changes in circumstances that are difficult to predict or quantify. Actual results could differ materially and adversely from our forward-looking statements due to a variety of factors, including the following:

(1) adverse impacts from global economic, political, and other conditions affecting trends in consumer, business, and government spending;

(2) our ability to anticipate and respond to changing industry trends, including technological changes and increasing competition;

(3) our ability to successfully renew existing client contracts on favorable terms and obtain new clients;

(4) our ability to prevent a material breach of security of any of our systems;

(5) our ability to implement and improve processing systems to provide new products, improve functionality, and increase efficiencies;

(6) the successful management of our merchant alliance program which involves several alliances not under our sole control and each of which acts independently of the others;

(7) our successful management of credit and fraud risks in our business units and merchant alliances, particularly in the context of eCommerce and mobile markets;

(8) consolidation among financial institution clients or other client groups that impacts our client relationships;

(9) our ability to use our net operating losses without restriction to offset income for US tax purposes;

(10) our ability to improve our profitability and maintain flexibility in our capital resources through the implementation of cost savings initiatives;

(11) the acquisition or disposition of a material business or assets;

(12) our ability to successfully value and integrate acquired businesses;

(13) our high degree of leverage;

(14) adverse impacts from currency exchange rates or currency controls imposed by any government or otherwise;

(15) changes in the interest rate environment that increase interest on our borrowings or the interest rate at which we can refinance our borrowings;

(16) the impact of new or changes in current laws, regulations, credit card association rules, or other industry standards; and

(17) new lawsuits, investigations, or proceedings, or changes to our potential exposure in connection with pending lawsuits, investigations or proceedings, and various other factors set forth in our Annual Report on Form 10-K.

Except as required by law, we do not intend to revise or update any forward-looking statement as a result of new information, future developments or otherwise.

Clover

  • Item 1 of 4, About us
  • Item 2 of 4, Investors
  • Item 3 of 4, Press
  • Item 4 of 4, Careers

Partners

  • Item 1 of 4, Partner with us
  • Item 2 of 4, Integrations
  • Item 3 of 4, Clover for developers
  • Item 4 of 4, Payment gateway integration

Dashboards and tools

  • Item 1 of 6, Clover Dashboard
  • Item 2 of 6, Merchant portal
  • Item 3 of 6, ClientLine
  • Item 4 of 6, PCI DSS
  • Item 5 of 6, Virtual terminal
  • Item 6 of 6, RAM

Legal & policy

  • Item 1 of 5, Terms
  • Item 2 of 5, Privacy Notice
  • Item 3 of 5, Other legal information
  • Item 4 of 5, Modern slavery act
  • Item 5 of 5, Sitemap

© 2023 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv, Clover and First Data are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. Our acquiring solution in the UK is provided by First Data Europe Limited (FDEL) a private limited company incorporated in England (company number 02012925) with a registered address at Janus House, Endeavour Drive, Basildon, Essex, SS14 3WF. FDEL is authorised and regulated by the Financial Conduct Authority (FCA register No. 582703; CCA No. 739230). Clover devices and solutions are provided by Marketplace Merchant Solutions Limited (MMSL). Non Clover POS solutions are provided by FDR Limited, LLC (FDRL). FDEL, MMSL and FDRL are all Fiserv, Inc. group companies.

 

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Android™ is a trademark of Google, Inc. EMV® is a registered mark owned by EMVCo LLC. www.emvco.com







Site Selector