These Terms of Service ("Terms") govern your use of MerchantPros AI's website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using MerchantPros AI's services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Description of Services

MerchantPros AI provides the following services:

AI-Powered Business Solutions: Document management, process automation, and business intelligence
Merchant Services: Payment processing, fraud defense, and financial technology solutions
Funding Services: Business loans, equipment financing, and working capital solutions
Social Media Management: Content creation, scheduling, and posting to social platforms
Business Consulting: Strategic advice and implementation support

3. User Accounts and Registration

3.1 Account Creation

To access certain features, you may need to create an account. You agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Notify us immediately of any unauthorized use
Accept responsibility for all activities under your account

3.2 Account Termination

We reserve the right to terminate or suspend your account at any time for violation of these Terms.

4. Social Media Integration

4.1 Platform Integration

Our social media management features integrate with various platforms:

LinkedIn: Professional networking and business content
Facebook: Social networking and business pages
Twitter/X: Microblogging and real-time updates
Other Platforms: Instagram, TikTok, YouTube, and more

4.2 Content Responsibility

When using our social media features, you agree to:

Comply with each platform's terms of service
Ensure content is accurate and appropriate
Respect intellectual property rights
Not post spam, misleading, or harmful content

4.3 API Usage

Our social media integration uses official APIs. You agree to:

Comply with platform-specific API terms
Respect rate limits and usage guidelines
Not attempt to circumvent API restrictions
Maintain the security of API credentials

5. Acceptable Use Policy

You agree not to use our services to:

Violate any applicable laws or regulations
Infringe on intellectual property rights
Transmit harmful, offensive, or inappropriate content
Attempt to gain unauthorized access to our systems
Interfere with the proper functioning of our services
Use our services for spam or unsolicited communications

6. Intellectual Property

6.1 Our Intellectual Property

All content, features, and functionality of our services are owned by MerchantPros AI and are protected by copyright, trademark, and other intellectual property laws.

6.2 Your Content

You retain ownership of content you create or upload. By using our services, you grant us a license to use, display, and distribute your content as necessary to provide our services.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Payment Terms

8.1 Service Fees

Some services may require payment. You agree to pay all fees associated with your use of our services.

8.2 Payment Processing

Payments are processed through secure third-party payment processors. You agree to their terms and conditions.

8.3 Refunds

Refund policies vary by service. Please contact us for specific refund information.

9. Service Availability

We strive to maintain high service availability but cannot guarantee uninterrupted access. We may temporarily suspend services for maintenance or updates.

10. Disclaimers

10.1 Service Disclaimer

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied.

10.2 Third-Party Services

We integrate with third-party services. We are not responsible for their availability, accuracy, or content.

11. Limitation of Liability

To the maximum extent permitted by law, MerchantPros AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

12. Indemnification

You agree to indemnify and hold harmless MerchantPros AI from any claims arising from your use of our services or violation of these Terms.

13. Governing Law

These Terms are governed by the laws of the state where MerchantPros AI is incorporated, without regard to conflict of law principles.

14. Dispute Resolution

Any disputes arising from these Terms will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms constitute the entire agreement between you and MerchantPros AI regarding the use of our services.

18. Contact Information

If you have questions about these Terms, please contact us:

Email: legal@merchantpros.ai
Phone: (555) 123-4567
Address: 123 Business Ave, Suite 100, City, State 12345

19. Social Media Platform Terms

When using our social media features, you must also comply with the terms of service of each platform:

20. Service-Specific Terms

20.1 AI Strategy Consulting

Our AI strategy consulting is designed to assist with business planning and implementation but should not replace professional judgment. We are not responsible for decisions made based on our strategic recommendations.

20.2 Financial Services

Financial services are subject to additional terms and regulatory requirements. All funding decisions are made by our lending partners, not MerchantPros AI.

20.3 Social Media Management

Social media management services are subject to platform-specific limitations and policies. We cannot guarantee specific engagement or reach metrics.