Terms of Service

1. About Merchant True LLC

Merchant True LLC is an independent media and consulting firm registered in the State of Texas. We are not a payment processor, merchant services provider, bank, or financial institution. We provide:

• Independent analysis of merchant processing statements
• Educational content about credit card processing fees
• Referrals to vetted third-party payment processing partners
• Consulting and advocacy services for business owners

Our services are provided at no charge to the business owner. We may receive referral compensation from payment processing partners when a client chooses to switch providers based on our recommendation.

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2. No Financial, Legal, or Regulatory Advice

The information provided by Merchant True LLC is for educational and informational purposes only. Nothing on this website or in our consultations constitutes:

• Legal advice
• Regulated financial advice
• Accounting or tax advice
• Investment advice

You should consult a licensed attorney, accountant, or financial advisor before making any significant business decisions. Merchant True LLC is not liable for any decisions made based on our analysis or recommendations.

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3. Statement Upload & Data Use

When you upload a merchant statement or financial document to our website:

• You confirm you have the legal right to share that document
• You grant Merchant True LLC permission to review and analyze the document for the purpose of providing our services
• You understand your document will be stored securely and not shared without your consent
• You may request deletion of your document at any time

We will never use your financial documents for any purpose other than providing the services you requested.

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4. No Guarantee of Results

While we have helped clients save significant amounts on processing fees, we make no guarantee of specific savings or outcomes. Results vary based on your current processor, contract terms, transaction volume, and other factors outside our control.

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5. Third-Party Referrals

When we refer you to a payment processing partner:

• The relationship is solely between you and that processor
• Merchant True LLC is not a party to any agreement between you and a referred processor
• We are not responsible for the performance, pricing, or conduct of any third-party processor
• You are under no obligation to use any referred partner

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6. Intellectual Property

All content on this website including text, graphics, logos, videos, and podcast content is the property of Merchant True LLC and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use our content without express written permission.

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7. User Conduct

By using our website you agree not to:

• Upload false, fraudulent, or misleading documents
• Impersonate another person or business
• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper operation of our website

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8. Limitation of Liability

To the fullest extent permitted by Texas law, Merchant True LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website. Our total liability to you for any claim shall not exceed $100.

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9. Indemnification

You agree to indemnify and hold harmless Merchant True LLC, its founders, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

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10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Texas.

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11. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our website after changes constitutes acceptance of the updated Terms. We will update the "Last Updated" date accordingly.

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12. Contact Us

For questions about these Terms, contact us:

Merchant True LLC
Email: contact@merchanttrue.com
Website: merchanttrue.com
State of Formation: Texas