1. Acceptance of terms
These Terms & Conditions (the "Terms") govern your access to and use of the MerchantLocating website and any related services, content, tools, or communications provided by MerchantLocating (the "Services"). MerchantLocating is operated by BusinessLocating and its affiliated brands. By accessing this website, submitting an inquiry, or using any part of the Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, please discontinue use of the website.
These Terms apply to all visitors, prospective merchants, and business representatives who interact with the Services. If you are using the Services on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms.
2. Description of services
MerchantLocating provides educational content, comparison frameworks, and an inquiry process designed to help small and mid-sized businesses understand and evaluate payment processing and merchant services options. Our Services may include, without limitation: payment-fit assessments, guidance on merchant accounts, POS systems, online and mobile payment acceptance, recurring billing, and referrals to appropriate processing solutions based on the information you provide.
MerchantLocating is not itself a bank, card network, or payment card issuer. Payment processing services, merchant accounts, equipment, and related financial products may be arranged through third-party providers, acquiring banks, or sponsor banks, each of which maintains its own eligibility criteria, pricing, terms, and conditions. Services and terms are subject to review and approval.
3. No guarantee of rates, savings, approval, or funding
Any statements, ranges, or examples presented on this website regarding pricing, interchange, transaction rates, approval likelihood, underwriting outcomes, or funding timelines are illustrative and informational only. They are not offers, commitments, guarantees, or promises of any specific rate, saving, approval, or funding speed.
Actual pricing, approval, and settlement terms, if any, are determined solely by the applicable provider following its own underwriting, risk review, and verification processes, and may differ materially from any example shown on this website. Nothing on this website creates an obligation for any provider to offer services to you or for MerchantLocating to arrange services on your behalf.
4. Inquiries, consent, and communications
When you submit an inquiry through our website or other channels, you affirm that the information you provide is accurate, complete, and belongs to you or to a business you are authorized to represent. You consent to MerchantLocating and, where relevant, its service providers and partner providers contacting you by email, phone, or text message at the contact details you supply, for the purpose of responding to your inquiry and discussing payment solutions.
Message and data rates may apply from your mobile carrier. You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or by contacting us using the details on our Contact page. Opting out of marketing communications does not withdraw consent for service-related communications necessary to respond to an active inquiry.
You agree not to submit sensitive financial credentials — including card numbers, bank account credentials, passwords, or login details — through our website forms. We may remove or refuse inquiries that violate these Terms.
5. Eligibility and acceptable use
The Services are intended for business owners and authorized representatives who are at least 18 years of age and located in the United States. You agree to use the Services only for lawful purposes and in accordance with these Terms.
You agree not to: (a) misrepresent your identity, business, volume, or processing history; (b) submit inquiries on behalf of another person without their authorization; (c) scrape, harvest, or systematically collect content or contact data from the website; (d) attempt to gain unauthorized access to any part of the website, its systems, or related networks; (e) interfere with the proper working of the website; or (f) use the Services to promote unlawful products or services, including any activity prohibited by card network rules.
6. Intellectual property
All content on this website — including text, graphics, logos, page layouts, comparison frameworks, guides, and the MerchantLocating name and marks — is owned by MerchantLocating, BusinessLocating, or its licensors and is protected by applicable intellectual property laws. "Powered by BusinessLocating" and related marks are the property of their respective owners.
You may view, download, and print pages for your own internal business reference. You may not reproduce, republish, redistribute, sell, or create derivative works from our content without prior written permission. Brief quotation with clear attribution and a link back to the source page is permitted.
7. Third-party services and links
The website may reference, link to, or facilitate connections with third-party services, including scheduling tools, payment providers, and hardware vendors. These third parties operate under their own terms and privacy practices, and MerchantLocating is not responsible for their content, availability, security, or handling of your information.
Any arrangement you enter into with a third-party provider is solely between you and that provider. MerchantLocating may receive compensation, referral fees, or residual revenue from providers in connection with referrals; where applicable, this does not change the price you are quoted by the provider. We do not rank, endorse, or disparage named providers on this website.
8. Disclaimers
The website and all content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. Content is general in nature and does not constitute legal, tax, accounting, or financial advice for your specific situation.
We do not warrant that the website will be uninterrupted, error-free, or free of harmful components, or that any assessment, guide, or estimate produced through the Services will match the terms ultimately available to you.
9. Limitation of liability
To the maximum extent permitted by applicable law, MerchantLocating, BusinessLocating, and their officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities, arising from or relating to your use of the Services or any arrangement with a third-party provider.
Our total aggregate liability for any claim arising out of or relating to the Services shall not exceed one hundred U.S. dollars (US$100) or the amount of fees we actually received in connection with your matter in the twelve months preceding the claim, whichever is greater. Some jurisdictions do not allow certain limitations of liability; in such jurisdictions the foregoing applies to the fullest extent permitted by law.
10. Indemnification
You agree to indemnify and hold harmless MerchantLocating, BusinessLocating, and their respective owners, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Services, (b) information you submit, (c) your breach of these Terms, or (d) your arrangement with any third-party provider introduced through the Services.
11. Dispute resolution and governing law
These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. Before filing suit, the parties agree to attempt to resolve any dispute in good faith for at least 30 days following written notice of the dispute.
Any dispute not resolved informally shall be resolved by binding arbitration administered under the rules of a recognized arbitration body seated in Delaware, except that either party may seek injunctive relief in a court of competent jurisdiction to protect its intellectual property or confidential information. You and MerchantLocating each waive any right to a jury trial and to participate in a class action with respect to disputes arising under these Terms, to the extent permitted by law.
12. Changes to these terms
We may update these Terms from time to time to reflect changes in our Services, legal requirements, or business practices. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be highlighted on this page. Your continued use of the website after changes take effect constitutes acceptance of the revised Terms.
13. Contact
Questions about these Terms may be directed to us through the inquiry form on our Contact page, with the subject line "Terms & Conditions question." Please do not send sensitive financial information by any channel.
