Terms of Service

1. Website purpose

True Merchant Services provides information and consulting related to merchant accounts, credit and debit card processing, point-of-sale systems, payment gateways, interchange pricing, cash-discount and surcharge programs, PCI compliance, and related payment services.

Website content is provided for general informational and educational purposes. It is not legal, tax, accounting, cybersecurity, or financial advice.

2. No merchant-processing agreement created

Using this website, contacting us, requesting information, or receiving a free processing-statement review does not create a merchant-processing agreement, advisory relationship, partnership, or other binding business relationship.

Any merchant-processing services, equipment, software, pricing, funding arrangements, or related services will be governed by separate applications, agreements, underwriting requirements, card-network rules, processor terms, and financial-institution requirements.

If these Terms conflict with a separately signed merchant or service agreement, the signed agreement will control with respect to the services covered by that agreement.

3. Eligibility and business use

This website is primarily intended for business owners and authorized business representatives who are at least 18 years old.

By submitting information on behalf of a business or organization, you represent that you have authority to provide the information and communicate with us on that organization's behalf.

4. Free statement reviews

True Merchant Services may offer a complimentary review of a business's payment-processing statement.

A statement review:

• Is provided for informational and comparison purposes.
• Does not obligate you to purchase or change services.
• Is based on the accuracy and completeness of the information provided.
• May involve estimates when complete pricing or transaction information is unavailable.
• Does not guarantee approval, specific pricing, savings, funding times, or future results.

Actual pricing and savings may vary depending on card mix, transaction size, processing method, industry, merchant category, equipment, chargebacks, interchange qualification, card-network changes, and other factors.

5. Uploaded statements and submitted information

By uploading a processing statement or submitting business information, you represent that:

• You are authorized to provide the document or information.
• The material does not violate another person's rights or any legal obligation.
• You have removed any information that is unnecessary for the requested review.
• The information is accurate to the best of your knowledge.

Do not upload full payment-card numbers, bank-account passwords, Social Security numbers, authentication credentials, or other information that is unnecessary for a processing review.

We may use submitted information to respond to your request, evaluate processing costs, prepare comparisons, recommend services, communicate with processors or service providers when authorized, and perform other activities described in our Privacy Policy.

Although we use reasonable safeguards, no internet transmission or storage system can be guaranteed completely secure. Information you submit is also subject to our Privacy Policy.

6. Pricing, savings and funding claims

Examples, comparisons, rates, savings calculations, and funding timelines shown on this website are illustrations and are not guarantees.

Merchant-services pricing and eligibility depend on underwriting, processing history, transaction volume, industry, card types, risk profile, equipment, processor requirements, card-network rules, and other factors.

"Next-day funding" and similar statements are subject to approval, cutoff times, banking schedules, holidays, transaction review, processor policies, and the merchant's financial institution.

Final pricing and service terms will be stated in the applicable written agreement.

7. Compliance information

Information concerning PCI DSS, surcharging, cash discounts, dual pricing, convenience fees, card-network rules, or state and federal requirements is general information only.

These requirements can change and may vary by location, card brand, transaction type, and business model. You are responsible for confirming that your practices comply with applicable laws, processor requirements, and card-network rules.

Consult qualified legal, tax, accounting, or compliance professionals when appropriate.

8. Third-party providers and services

True Merchant Services is an independent merchant-services advisor and may introduce or connect businesses with processors, acquiring banks, equipment providers, software companies, gateways, financing providers, or other third parties.

Those services are controlled by their respective providers and may be subject to separate terms, privacy policies, underwriting, pricing, and approval requirements.

We do not control and are not responsible for a third party's systems, outages, security, approvals, funding decisions, service performance, policy changes, or website content.

Links to third-party websites are provided for convenience and do not necessarily constitute an endorsement.

9. Acceptable use

You may not:

• Use this website for unlawful, fraudulent, or abusive purposes.
• Submit false, misleading, stolen, or unauthorized information.
• Upload malware or harmful code.
• Attempt to bypass security or gain unauthorized access to the website or its systems.
• Interfere with the website's operation.
• Scrape, copy, republish, or commercially exploit website content without written permission.
• Impersonate another person or misrepresent your authority.

We may restrict or terminate access when we reasonably believe these Terms have been violated.

10. Intellectual property

Unless otherwise stated, the website's text, graphics, logos, branding, design, downloadable materials, and original content belong to True Merchant Services or its licensors and are protected by applicable intellectual-property laws.

You may view and print reasonable portions for your internal business use. You may not reproduce, modify, distribute, sell, license, or publicly display this content without prior written permission.

Third-party names, logos, trademarks, and card-network brands belong to their respective owners. Their appearance does not imply sponsorship or endorsement unless expressly stated.

11. Electronic communications

By contacting us or submitting a form, you consent to receive communications related to your inquiry by email, telephone, or text message using the contact information you provide.

Consent to receive marketing communications is not a condition of purchasing services. Message and data rates may apply. You may request that marketing communications stop at any time by replying STOP to a text message or using the unsubscribe instructions in an email.

Service-related or legally required communications may still be sent when appropriate.

12. Disclaimer of warranties

The website and its content are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, True Merchant Services disclaims all express or implied warranties regarding the website, including warranties of accuracy, availability, merchantability, fitness for a particular purpose, noninfringement, and uninterrupted or error-free operation.

We do not guarantee that website content will always be current, complete, or free from errors.

13. Limitation of liability

To the fullest extent permitted by law, True Merchant Services and its owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of—or inability to use—the website.

This includes lost profits, lost revenue, lost business opportunities, data loss, service interruptions, processor decisions, funding delays, unauthorized access, or reliance on website information.

To the fullest extent permitted by law, our total liability arising from use of this website will not exceed the amount you paid directly to True Merchant Services for the website-related service giving rise to the claim during the six months before the claim. If you paid nothing, our total liability will not exceed $100.

Some jurisdictions do not allow certain liability exclusions, so portions of this section may not apply to you.

14. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless True Merchant Services and its owners, employees, representatives, and service providers from claims, losses, liabilities, and reasonable expenses arising from:

• Your misuse of the website.
• Information or documents you submit without authorization.
• Your violation of these Terms.
• Your violation of applicable law or another party's rights.

15. Governing law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles.

Any dispute relating to these Terms or this website must be brought in a state or federal court with proper jurisdiction in Oklahoma. Each party consents to the jurisdiction of those courts.

16. Changes to these Terms

We may update these Terms when our website, services, business practices, or legal obligations change.

Updated Terms will be posted on this page with a revised effective date. Material changes will apply prospectively and will not secretly alter the terms of a separately signed service agreement.

Your continued use of the website after updated Terms are posted constitutes acceptance of those updated Terms.

17. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. The unenforceable provision will be modified only to the extent necessary to make it enforceable.

18. Entire agreement

These Terms and our Privacy Policy constitute the entire agreement regarding your use of this website. They do not replace any separate merchant-processing, equipment, software, referral, or service agreement.

19. Contact us

Questions regarding these Terms may be directed to: