Terms of Service
Last Updated: March 16, 2026
1. Acceptance of Terms
By accessing or using the Karma Merchant Brokers website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
2. Services Description
Karma Merchant Brokers provides merchant services, payment processing solutions, POS terminals, AI-powered CRM systems, and custom website design services. We act as a broker connecting businesses with payment processing partners and technology solutions.
3. Merchant Account Terms
When you apply for a merchant account through Karma Merchant Brokers:
- You must provide accurate and complete information
- You authorize us to submit your application to payment processors
- Approval is subject to underwriting by our processing partners
- Specific terms will be outlined in your merchant processing agreement
- You agree to comply with all payment card industry regulations and requirements
4. No Long-Term Contracts
We do not require long-term contracts for our merchant services. You are free to discontinue services at any time, subject to any outstanding obligations and the terms of your specific processing agreement. Equipment purchased or leased may have separate terms.
5. Pricing and Fees
We are committed to transparent pricing:
- All fees will be clearly disclosed before you sign up
- Processing rates are based on your business type and transaction volume
- Equipment costs vary based on your needs
- We do not charge hidden fees
- Changes to fees will be communicated in advance
6. Website Use
When using our website, you agree to:
- Not use the site for any unlawful purpose
- Not attempt to gain unauthorized access to our systems
- Not interfere with the proper functioning of the website
- Not transmit viruses, malware, or other harmful code
- Respect the intellectual property rights of Karma Merchant Brokers and others
7. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Karma Merchant Brokers or its content suppliers and is protected by copyright and intellectual property laws.
8. Third-Party Services
We work with third-party payment processors, equipment manufacturers, and service providers. While we carefully select our partners, we are not responsible for their actions, services, or terms. You may need to agree to additional terms with these providers.
9. Limitation of Liability
To the maximum extent permitted by law, Karma Merchant Brokers shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services or website. Our total liability shall not exceed the fees paid by you in the six months preceding any claim.
10. Indemnification
You agree to indemnify and hold harmless Karma Merchant Brokers, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services or violation of these terms.
11. PCI Compliance
If you accept credit card payments, you are responsible for maintaining Payment Card Industry Data Security Standard (PCI DSS) compliance. We provide tools and support to help you maintain compliance, but ultimate responsibility rests with your business.
12. Termination
Either party may terminate the service relationship at any time. You remain responsible for all charges incurred prior to termination. Equipment obligations and processing agreements with third parties may have separate termination terms.
13. SMS and Text Messaging Terms
SMS Use Cases
Karma Merchant Brokers may use SMS text messaging to communicate with you for the following purposes:
- Account notifications and service updates
- Appointment reminders and confirmations
- Payment processing alerts and transaction confirmations
- Customer support and service inquiries
- Marketing and promotional messages (only with your explicit consent)
- Important security and fraud alerts
Message Frequency and Costs
Message frequency may vary depending on your account activity and the services you use. Message and data rates may apply as determined by your mobile carrier. You are responsible for any charges imposed by your carrier for receiving text messages.
Opt-Out Instructions
You may opt-out of receiving SMS messages at any time by replying STOP to any text message from Karma Merchant Brokers. After opting out, you will receive one final confirmation message. You may also contact us at 1-866-993-8971 to opt-out. For help or customer support, reply HELP to any message or contact us directly.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Karma Merchant Brokers is not responsible for any delays or failures in message delivery caused by your mobile carrier, network issues, or service interruptions beyond our control.
Supported Carriers
Our SMS service is available on most major U.S. carriers. If you have questions about your carrier's compatibility, please contact customer support.
14. Age Restriction
You must be at least 18 years of age to use our services or enter into any agreement with Karma Merchant Brokers. By using our services, you represent and warrant that you are 18 years of age or older. Our services are not intended for individuals under 18.
15. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Missouri.
16. Changes to Terms
We reserve the right to modify these Terms of Service at any time. We will notify you of any material changes by posting the new terms on this page and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the new terms.
17. Contact Information
If you have any questions about these Terms of Service, please contact us:
By using Karma Merchant Brokers' services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.