Welcome to Secure Merchant Solution (“Company”, “we”, “our”, or “us”). These Terms of Service (“Terms”) govern your use of our website located at https://securemerchantsolution.com (“Website”) and any related services provided by Secure Merchant Solution.

By accessing or using our Website and services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Website or services.

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1. Services

Secure Merchant Solution provides merchant account solutions, payment processing services, consulting, and related business services.

We reserve the right to modify, suspend, or discontinue any part of the Website or services at any time without prior notice.

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2. Eligibility

By using this Website, you represent and warrant that:

• You are at least 18 years old;
• You have the authority to enter into legally binding agreements;
• Any information you provide is accurate and complete;
• Your use of the Website complies with all applicable laws and regulations.

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3. User Responsibilities

You agree not to:

• Use the Website for unlawful purposes;
• Submit false or misleading information;
• Attempt unauthorized access to systems or data;
• Interfere with the Website’s functionality or security;
• Upload malicious software, viruses, or harmful code;
• Engage in fraudulent or abusive activities.

You are solely responsible for maintaining the confidentiality of any credentials or account information associated with our services.

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4. Merchant Applications & Approvals

Submission of an inquiry or application through our Website does not guarantee approval for merchant services, payment processing, or financial products.

All applications are subject to:

• Compliance review
• Risk assessment
• Verification procedures
• Banking partner approval
• Applicable laws and regulations

We reserve the right to deny service at our discretion.

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5. Fees & Payments

Certain services may involve fees, processing charges, or contractual obligations.

You agree to:

• Pay all applicable fees and charges;
• Provide accurate billing information;
• Comply with payment processor requirements.

Additional terms may apply through separate agreements with payment processors, banking institutions, or service providers.

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6. Intellectual Property

All Website content, including but not limited to:

• Text
• Logos
• Graphics
• Design elements
• Software
• Trademarks
• Branding

are the property of Secure Merchant Solution or its licensors and are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or exploit Website content without prior written permission.

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7. Privacy

Your use of the Website is also governed by our Privacy Policy.

By using our Website, you consent to the collection and use of information as described in the Privacy Policy.

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8. Third-Party Services

Our Website may contain links or integrations with third-party services, platforms, or websites.

We are not responsible for:

• Third-party content;
• Privacy practices;
• Availability;
• Accuracy;
• Services provided by external parties.

Your interactions with third-party providers are governed by their own terms and policies.

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9. Disclaimer of Warranties

The Website and services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

We do not guarantee:

• Continuous Website availability;
• Error-free operation;
• Security from unauthorized access;
• Specific financial or business outcomes;
• Approval for merchant processing services.

To the fullest extent permitted by law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.

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10. Limitation of Liability

To the maximum extent permitted by law, Secure Merchant Solution shall not be liable for:

• Indirect damages;
• Lost profits;
• Business interruption;
• Loss of data;
• Financial losses;
• Consequential or incidental damages arising from use of the Website or services.

Our total liability shall not exceed the amount paid, if any, for services directly related to the claim.

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11. Indemnification

You agree to indemnify and hold harmless Secure Merchant Solution, its affiliates, employees, contractors, and partners from any claims, damages, liabilities, or expenses arising from:

• Your use of the Website;
• Violation of these Terms;
• Fraudulent or unlawful conduct;
• Violation of third-party rights.

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12. Compliance & Restricted Activities

Users may not use our services for prohibited or restricted industries or activities that violate applicable banking, payment processing, or regulatory requirements.

We reserve the right to terminate or restrict access for suspected fraudulent, illegal, or high-risk activity.

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13. Termination

We may suspend or terminate access to the Website or services at any time, without notice, for conduct that violates these Terms or may harm our business, users, or partners.

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14. Governing Law

These Terms shall be governed and interpreted in accordance with the applicable laws and regulations governing the jurisdiction in which Secure Merchant Solution operates, without regard to conflict of law principles.

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15. Changes to These Terms

We may update or modify these Terms at any time. Updated versions become effective immediately upon posting on the Website.

Continued use of the Website after changes constitutes acceptance of the updated Terms.

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16. Contact Information

If you have any questions regarding these Terms, please contact:

Secure Merchant Solution
Website: https://securemerchantsolution.com

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17. Entire Agreement

These Terms constitute the complete agreement between you and Secure Merchant Solution regarding use of the Website and services and supersede any prior agreements or understandings.