Terms and Conditions

Last Updated: July 23, 2026 Welcome to Merchant Program Solutions. These Terms and Conditions govern your access to and use of merchantprogramsolutions.com, including any forms, content, telephone numbers, and services made available through the website. By accessing the website or submitting information through it, you agree to these Terms and Conditions. If you do not agree, please do not use the website. 1. About Merchant Program Solutions Merchant Program Solutions is a business services and referral company. We connect business owners with independent third-party companies that may offer services relating to the restructuring or settlement of Merchant Cash Advance obligations. Merchant Program Solutions is not: - A lender - A law firm - A government agency - A debt settlement provider - A financial adviser - A credit repair organization Merchant Program Solutions does not provide legal, tax, accounting, investment, lending, or financial advice. 2. No Guarantee of Services or Results Submitting information through the website does not guarantee: - Acceptance or eligibility for any service - Approval by a third-party provider - A reduction in payments or balances - A settlement - Specific savings - Protection from collection activity or legal action - Any particular outcome Results depend on each visitor’s circumstances and the requirements, services, and decisions of independent third-party providers. Nothing on this website should be interpreted as a promise, guarantee, or prediction of results. 3. Website Information The information on this website is provided for general informational and marketing purposes only. Although we attempt to keep the information accurate and current, we do not guarantee that all website content is complete, accurate, current, or suitable for every situation. Website content should not be relied upon as legal, financial, tax, accounting, or professional advice. You should consult an appropriately qualified professional regarding your individual circumstances. 4. Requesting Information You may submit a form or contact us to request additional information. You agree that the information you provide will be accurate and that you will not knowingly submit false, misleading, fraudulent, or unauthorized information. Submitting a form is a request for contact and information. It is not: - A loan or credit application - An application for legal representation - An agreement to provide debt settlement services - An acceptance into any particular program - A guarantee that a provider will offer services You are not required to submit Social Security numbers, banking passwords, payment-card information, or other highly sensitive information through the general website form. 5. Independent Third-Party Providers Merchant Program Solutions may refer or connect you with one or more independent third-party providers. These providers are separate businesses and are not employees, agents, partners, or representatives of Merchant Program Solutions unless expressly stated otherwise. Third-party providers independently determine: - Whether to accept an inquiry - Eligibility requirements - Services offered - Fees and costs - Contract terms - Communication practices - Privacy and data-handling practices - Strategies and potential results Merchant Program Solutions does not control or guarantee the conduct, qualifications, licensing, services, fees, contracts, representations, or results of independent providers. Before hiring or entering into an agreement with a provider, you should independently review the provider, its credentials, its agreement, its fees, and its privacy policy. Merchant Program Solutions may receive referral fees, marketing compensation, commissions, or other compensation from independent providers. 6. No Attorney-Client or Professional Relationship Using this website, submitting a form, calling Merchant Program Solutions, or communicating with us does not create: - An attorney-client relationship - A lender-borrower relationship - A financial adviser-client relationship - A fiduciary relationship - A professional-services relationship A relationship with an independent provider is created only if you and that provider separately agree to establish one. Do not disregard legal notices, court papers, deadlines, collection notices, or professional advice because of information displayed on this website. 7. Communications By providing your contact information, you request that Merchant Program Solutions respond regarding your inquiry, subject to the disclosure and consent language displayed near the form. Depending on your request and the consent provided, communications may occur by telephone, text message, or email. Any consent involving automated calls, prerecorded messages, artificial or AI-generated voices, or marketing text messages must be provided through a separate disclosure where required. These Terms are not a substitute for legally required communication consent. You may request that communications stop by: - Replying STOP to a text message where supported - Using an unsubscribe link in a marketing email - Telling a caller that you no longer wish to receive calls - Contacting us using the information below Message and data rates may apply. 8. Privacy Your use of the website is also subject to our Privacy Policy. The Privacy Policy explains how information may be collected, used, stored, and disclosed, including disclosure to independent service providers. By using the website, you acknowledge that you have access to the Privacy Policy. 9. Acceptable Use You agree not to: - Use the website for unlawful, fraudulent, or abusive purposes - Submit information belonging to another person without authorization - Impersonate another person or business - Attempt to gain unauthorized access to the website or its systems - Introduce viruses, malicious code, or harmful technology - Interfere with the website’s operation or security - Scrape, copy, or extract website content through automated means without permission - Use the website to send spam or unsolicited communications - Misrepresent your identity, authority, business, or financial situation We may restrict or terminate access to the website when we reasonably believe these Terms have been violated. 10. Intellectual Property Unless otherwise stated, the website and its content—including its name, logo, design, text, graphics, and layout—are owned by or licensed to Merchant Program Solutions and are protected by applicable intellectual-property laws. You may view and use the website for your own legitimate business inquiry. You may not reproduce, publish, distribute, modify, sell, license, or commercially exploit website content without prior written permission. Third-party names, logos, and trademarks belong to their respective owners. 11. Third-Party Websites The website may contain links to independent websites or resources. Merchant Program Solutions does not control and is not responsible for the content, availability, security, accuracy, privacy practices, services, or terms of third-party websites. A link or referral does not necessarily constitute an endorsement or guarantee. You access third-party websites at your own discretion and should review their terms and privacy policies. 12. Website Availability We may change, suspend, restrict, or discontinue all or part of the website at any time. - We do not guarantee that the website will always be: - Available - Secure - Uninterrupted - Error-free - Free of viruses or harmful components - Compatible with every device or browser We are not responsible for delays, interruptions, transmission failures, or technical problems beyond our reasonable control. 13. Disclaimer of Warranties To the fullest extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis. Merchant Program Solutions disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and availability. Some jurisdictions may not permit certain warranty exclusions. In those jurisdictions, the exclusions apply only to the extent legally permitted. 14. Limitation of Liability To the fullest extent permitted by applicable law, Merchant Program Solutions and its owners, officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from: - Your use of or inability to use the website - Reliance on website information - Submission or transmission of information - Services or conduct of an independent provider - Third-party websites - Unauthorized access to information - Website interruptions or technical failures - Decisions made based on website content Merchant Program Solutions is not responsible for the acts, omissions, advice, representations, contracts, fees, services, or results of independent third-party providers. Nothing in these Terms excludes liability that cannot legally be excluded. 15. Indemnification To the extent permitted by law, you agree to defend, indemnify, and hold harmless Merchant Program Solutions and its owners, officers, employees, contractors, and representatives from claims, losses, liabilities, damages, and reasonable expenses arising from: - Your unlawful or improper use of the website - Information you submit without authorization - Your violation of these Terms - Your infringement of another person’s rights This provision does not apply to the extent a claim results from conduct for which Merchant Program Solutions is legally responsible. 16. Governing Law These Terms will be governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to applicable law, legal proceedings relating to these Terms or the website must be brought in the state or federal courts located in Miami-Dade County, Florida. Nothing in this section prevents either party from bringing a claim in another location when applicable law requires it. 17. Changes to These Terms We may update these Terms from time to time. Changes will be posted on this page with a revised “Last Updated” date. Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law. 18. Severability If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. The unenforceable provision will be modified or limited only to the extent necessary to make it enforceable. 19. Entire Agreement These Terms and the Privacy Policy constitute the agreement between you and Merchant Program Solutions regarding use of this website. They do not replace or modify any separate agreement you may enter into with an independent service provider. 20. Contact Us Questions about these Terms may be directed to: Merchant Program Solutions Legal company name: Merchant Program Solutions INC Email: info@merchantprogramsolutions.com Telephone: 786-706-2692 Website: merchantprogramsolutions.com Merchant Program Solutions is not a lender, law firm, government agency, debt settlement provider, or financial adviser. Results are not guaranteed.