Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the Merchant Protect USA LLC website, including its content, forms, tools, features, and services made available through the website.

By accessing or using this website, you agree to these Terms.

If you do not agree with these Terms, please do not use the website.

References to “Merchant Protect USA,” “Merchant Protect,” “we,” “us,” or “our” refer to Merchant Protect USA LLC.

Merchant Protect USA LLC is an independent payment solutions provider headquartered in Tampa, Florida.

We help businesses evaluate, select, implement, and optimize payment processing, point-of-sale, merchant services, and payment technology solutions.

Merchant Protect USA is not itself the underlying payment processor, acquiring bank, card network, or financial institution.

Payment processing services and certain payment technologies are provided through third-party processing, financial, and technology partners.

The availability, pricing, features, approval requirements, underwriting requirements, and terms of third-party products and services are determined by the applicable provider.

The Merchant Protect USA website provides general information about our company, payment solutions, merchant services, payment technology, processing reviews, and related services.

Information provided through this website is intended primarily for businesses evaluating or using payment solutions.

Website content is provided for general informational and business purposes and should not be considered financial, accounting, tax, legal, or other professional advice.

Payment processing costs vary significantly between businesses.

Rates, fees, pricing structures, and overall processing costs may depend on factors including:

• Business type and industry
• Transaction volume
• Average transaction size
• Card types
• Transaction methods
• Card-present versus card-not-present transactions
• Customer payment behavior
• Processing history
• Risk profile
• Equipment
• Software
• Gateways
• Integrations
• Provider pricing
• Underwriting
• Other merchant-specific factors

Unless expressly stated in a written agreement, Merchant Protect USA does not guarantee:

• The lowest processing rate
• A specific processing rate
• A specific amount of savings
• A specific reduction in processing costs
• Approval for a merchant account
• Approval for particular pricing
• Approval for particular equipment or technology
• A particular financial result

Any examples, estimates, comparisons, or potential savings presented on the website are illustrative or informational unless expressly identified otherwise.

Merchant Protect USA may offer businesses a Free Processing Review.

A Processing Review may involve evaluating information such as:

• Current processing statements
• Processing rates
• Effective processing costs
• Transaction volume
• Transaction mix
• Recurring fees
• Equipment costs
• Gateway charges
• POS technology
• Existing integrations
• Other aspects of a merchant’s payment environment

The purpose of the review is to help a business better understand its existing payment environment and potential alternatives.

A Processing Review does not guarantee that Merchant Protect USA will identify savings or recommend that the merchant change providers.

If the merchant’s current solution appears appropriate based on the information reviewed, Merchant Protect USA may determine that maintaining the existing setup is reasonable.

Any estimates, calculations, savings opportunities, fee comparisons, effective-rate calculations, or similar information provided by Merchant Protect USA are based on the information available at the time of the review.

Actual costs and results may differ.

Processing statements may not reflect every cost associated with a merchant’s payment environment, and future transaction activity may differ from historical activity.

Changes in:

• Transaction volume
• Card mix
• Interchange
• Network fees
• Provider pricing
• Equipment
• Software
• Business operations
• Regulatory requirements
• Other factors

may affect actual results.

Merchants should review final pricing, agreements, and provider documentation before entering into any payment processing or technology arrangement.

Merchant Protect USA works with third-party payment processors, POS platforms, gateways, financial institutions, technology companies, and other providers.

Products and services offered through these companies are subject to their own:

• Agreements
• Pricing
• Terms and conditions
• Privacy policies
• Underwriting requirements
• Security practices
• Availability
• Support policies

Merchant Protect USA does not control every aspect of third-party products or services.

The inclusion or reference to a third-party provider on our website does not mean that every product offered by that provider is available to every merchant.

Eligibility and availability may vary.

Certain payment processing services may require an application, underwriting review, identity verification, business verification, credit review, risk assessment, or other approval process conducted by the applicable third-party provider.

Merchant Protect USA does not guarantee approval.

The applicable provider may:

• Approve an application
• Decline an application
• Request additional information
• Apply conditions
• Establish reserves
• Set processing limits
• Establish pricing
• Determine equipment availability
• Modify account requirements

subject to its own policies and applicable law.

If you choose to proceed with a payment processor, POS platform, gateway, technology provider, financial institution, or other third-party service, you may be required to enter into a separate agreement directly with that provider.

You are responsible for reviewing and understanding any agreement before accepting it.

Those agreements may contain important provisions regarding:

• Pricing
• Fees
• Contract terms
• Equipment
• Cancellation
• Chargebacks
• Reserves
• Processing limits
• Security
• Data handling
• Support
• Other obligations

The third-party agreement governs your relationship with that provider.

Merchant Protect USA may help businesses evaluate or obtain payment-related hardware, software, POS systems, terminals, gateways, integrations, and other technologies.

Technology capabilities vary by provider and product.

Merchant Protect USA does not warrant that every product, feature, integration, or technology will:

• Work with every business
• Work with every third-party system
• Remain available indefinitely
• Be compatible with future software or hardware
• Meet every merchant’s requirements

Businesses should confirm important technical requirements before selecting or implementing a solution.

Merchant Protect USA considers security an important factor when evaluating payment solutions.

However, no payment technology, network, website, system, or security measure can guarantee complete protection against every security incident, fraud attempt, cyberattack, data breach, or unauthorized transaction.

Merchants remain responsible for complying with applicable security requirements associated with their business and payment environment.

Security obligations imposed by payment processors, card networks, technology providers, or applicable standards may also apply.

Depending on how a business accepts payments, the merchant may be subject to Payment Card Industry Data Security Standard (“PCI DSS”) requirements or other security and compliance obligations.

Merchant Protect USA may provide general information or assist in connecting merchants with relevant resources, but each merchant remains responsible for understanding and satisfying the requirements applicable to its business.

Nothing on this website should be interpreted as legal or compliance advice.

You agree that information you provide to Merchant Protect USA through the website will be accurate to the best of your knowledge.

You should not intentionally provide false, misleading, fraudulent, or unauthorized information.

When submitting information relating to a business, you represent that you have the authority to provide that information or are otherwise authorized to act on behalf of the business.

Certain website features may allow you to upload processing statements or other documents.

You should upload only information reasonably necessary for the service you are requesting.

Do not upload:

• Full payment card numbers
• CVV or card security codes
• PINs
• Online banking credentials
• Passwords
• Social Security numbers
• Other highly sensitive information

unless specifically requested through an appropriate secure process.

By uploading a document, you represent that you have the authority to provide it to Merchant Protect USA for the requested purpose.

When you submit a form, request a review, send an inquiry, or otherwise communicate with Merchant Protect USA electronically, you consent to receiving communications related to that inquiry or business relationship.

These communications may include:

• Responses to inquiries
• Information about payment solutions
• Processing review communications
• Implementation information
• Support communications
• Administrative notices
• Other communications related to services you requested

Marketing communications, where used, are subject to applicable law and available opt-out mechanisms.

Unless otherwise stated, the Merchant Protect USA website and its original content, design, graphics, branding, logos, text, layouts, and other materials are owned by or licensed to Merchant Protect USA LLC and are protected by applicable intellectual property laws.

You may use the website for legitimate personal or business informational purposes.

You may not, without permission:

• Copy substantial portions of the website
• Republish website content
• Reproduce Merchant Protect branding
• Modify or create derivative works from protected content
• Sell or commercially exploit website materials
• Misrepresent Merchant Protect content as your own

Third-party trademarks, logos, product names, and brands remain the property of their respective owners.

References to third-party processors, technology providers, POS platforms, or other companies are for identification and informational purposes.

Third-party names, logos, trademarks, and product names belong to their respective owners.

Their appearance on the Merchant Protect USA website does not imply ownership by Merchant Protect USA.

You agree not to use this website to:

• Violate applicable law
• Commit or facilitate fraud
• Submit false information
• Attempt unauthorized access to systems
• Introduce malware or malicious code
• Interfere with website functionality
• Scrape or harvest information in an abusive manner
• Impersonate another person or business
• Infringe intellectual property rights
• Use website forms for spam or abusive communications
• Attempt to circumvent security measures

Merchant Protect USA may restrict access to the website where reasonably necessary to protect our systems, business, users, or others.

We aim to maintain a reliable website, but we do not guarantee uninterrupted or error-free access.

The website may occasionally be unavailable because of:

• Maintenance
• Updates
• Hosting issues
• Network disruptions
• Security events
• Third-party service failures
• Events outside our reasonable control

We may modify, suspend, or discontinue website features at any time.

Merchant Protect USA makes reasonable efforts to provide useful and accurate information.

However, payment technology, pricing, provider offerings, regulations, product capabilities, and other information can change.

We do not warrant that all website information will always be complete, current, or error-free.

If information on the website conflicts with a final written agreement from an applicable provider, the applicable agreement will generally govern that provider’s products or services.

The website may contain links to third-party websites.

These links are provided for convenience or informational purposes.

Merchant Protect USA does not control third-party websites and is not responsible for their content, availability, privacy practices, security, or terms.

Accessing a third-party website is at your own discretion and subject to that website’s terms and policies.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

MERCHANT PROTECT USA DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT PERMITTED BY LAW.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MERCHANT PROTECT USA LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE WEBSITE.

This includes, where permitted by law, losses arising from:

• Website interruptions
• Reliance on general website information
• Third-party websites
• Third-party products or services
• Unauthorized access outside our reasonable control
• Loss of data
• Loss of profits or business opportunities

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

Merchant Protect USA is not responsible for acts, omissions, outages, service interruptions, underwriting decisions, pricing changes, product changes, or other actions of independent third-party payment processors, financial institutions, technology providers, card networks, or other service providers.

Any rights or remedies regarding a third-party product or service may be governed by your agreement with that provider.

To the extent permitted by applicable law, you agree to indemnify and hold harmless Merchant Protect USA LLC and its owners, officers, employees, contractors, and representatives from claims, liabilities, damages, losses, and reasonable expenses arising from:

• Your misuse of the website
• Your violation of these Terms
• Information or materials you submit without authorization
• Your violation of applicable law
• Your infringement of another party’s rights

Your use of the website is also subject to our Privacy Policy.

Please review the Merchant Protect USA Privacy Policy for information about how we collect, use, disclose, and protect information.

Merchant Protect USA aims to provide an accessible website experience.

Information regarding our accessibility efforts and how to contact us about an accessibility issue is available on our Accessibility page.

Merchant Protect USA may update these Terms periodically.

When changes are made, the “Last Updated” date at the top of this page will be revised.

Continued use of the website after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Any dispute relating to these Terms or use of the website will be subject to applicable law and any jurisdictional requirements that cannot lawfully be waived.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

These Terms govern use of the Merchant Protect USA website.

They do not replace any separate merchant processing, technology, equipment, service, referral, or other agreement you may enter into with Merchant Protect USA or a third-party provider.

Where a separate written agreement applies to a specific product or service, that agreement governs the applicable relationship.

Questions regarding these Terms may be directed to:

Merchant Protect USA is headquartered in Tampa, Florida and serves businesses throughout the United States.