Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Merchant Heroes LLC ("Company," "we," "our," or "us"), including our website at merchantheroesllc.com and any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

Merchant Heroes LLC provides payment processing solutions, including but not limited to:

• Cash Discount Programs for businesses
• Payment processing equipment and setup
• Business analysis and consultation services
• Ongoing technical support and maintenance
• Virtual terminal and online payment solutions

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

3. Eligibility

By using our Services, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into a binding contract; (c) you are a business owner or authorized representative of the business seeking our Services; and (d) all information you provide to us is accurate and complete.

4. User Obligations

As a user of our Services, you agree to:

• Provide accurate, current, and complete information when engaging with our Services.
• Maintain the confidentiality of any account credentials and notify us immediately of any unauthorized use.
• Use our Services in compliance with all applicable federal, state, and local laws and regulations.
• Not engage in any activity that interferes with or disrupts our Services or servers.
• Not attempt to gain unauthorized access to any portion of our systems or networks.

5. Payment Terms

For any paid services:

• Fees are clearly disclosed prior to any service agreement.
• All fees are non-refundable unless otherwise stated in a separate written agreement.
• We reserve the right to change our pricing with reasonable notice.
• You are responsible for any applicable taxes associated with our Services.

6. Intellectual Property

All content, features, and functionality on our website and within our Services — including but not limited to text, graphics, logos, icons, images, software, and the overall design — are the exclusive property of Merchant Heroes LLC and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Merchant Heroes LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your use of our Services. Our total liability for any claims under these Terms shall not exceed the amount you paid us for the Services in the twelve (12) months preceding the claim.

8. Disclaimer of Warranties

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Services will be uninterrupted, error-free, or completely secure.

9. Indemnification

You agree to indemnify, defend, and hold harmless Merchant Heroes LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our Services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your violation of applicable laws or regulations.

10. Third-Party Services

Our Services may integrate with or link to third-party services (such as Calendly for scheduling). We are not responsible for the availability, accuracy, or practices of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms and policies.

11. Termination

We reserve the right to terminate or suspend your access to our Services at any time, with or without cause, and with or without notice. Upon termination:

• Your right to use our Services will immediately cease.
• Any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, limitation of liability, and indemnification.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or our Services shall be resolved as follows:

• First, both parties agree to attempt to resolve the dispute informally by contacting us directly.
• If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through binding arbitration or small claims court in Broward County, Florida.
• Both parties waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our Services after any modifications constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

14. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us: