Terms of Service

2. Company Information

Karma Merchant Brokers is a local business growth and merchant services company based in Columbia, Missouri. We help local businesses with merchant services, payment processing, websites, AI automation, CRM tools, customer follow-up, appointment support, review generation, customer retention, Karma Loyalty Points, local marketing, and related business growth services.

3. Services Description

Karma Merchant Brokers may provide or help coordinate services including, but not limited to:

• Merchant services
• Credit and debit card processing
• Payment equipment, POS terminals, and gateways
• Text-to-pay and recurring payment options
• ACH options
• Custom websites and website rental programs
• AI-powered customer communication
• CRM automation and missed-call recovery
• Appointment reminders and customer follow-up
• Review request systems
• Customer reactivation campaigns
• Karma Loyalty Points
• Karma Keep It Local business growth programs
• Local marketing support and business growth consulting

Karma Merchant Brokers may act as a broker, referral partner, service provider, technology coordinator, or support provider connecting businesses with payment processing partners, technology platforms, equipment providers, and related service providers.

4. Merchant Account Terms

When you apply for or request merchant services through Karma Merchant Brokers:

• You must provide accurate and complete information.
• You authorize Karma Merchant Brokers to submit or help submit your information to payment processors, banks, underwriting partners, gateways, equipment providers, and related service providers.
• Approval is subject to underwriting and approval by processing partners or financial institutions.
• Specific processing terms, rates, fees, equipment terms, and obligations will be outlined in your merchant processing agreement or related service agreement.
• You agree to comply with applicable payment card network rules, processor requirements, banking requirements, fraud prevention requirements, and security standards.

5. No Long-Term Merchant Services Requirement From Karma

Karma Merchant Brokers does not require long-term contracts for standard merchant services unless otherwise stated in a separate written agreement. You may discontinue services subject to outstanding balances, open obligations, processor requirements, equipment purchase, rental, lease, or return terms, third-party service agreements, or any signed merchant processing agreement. Equipment, software, websites, automation, CRM tools, or third-party platforms may have separate terms.

6. Pricing and Fees

Karma Merchant Brokers is committed to clear communication regarding pricing. Fees may vary based on business type, processing volume, risk profile, payment method, equipment needs, website needs, automation needs, CRM needs, marketing or support services, and third-party provider requirements. Applicable fees will be disclosed before activation or as part of the relevant agreement.

7. Website Use

When using our website, forms, or online tools, you agree not to:

• Use the site for unlawful purposes
• Submit false or misleading information
• Attempt to gain unauthorized access to systems
• Interfere with the proper functioning of the website
• Upload or transmit viruses, malware, or harmful code
• Violate intellectual property rights
• Use our content, branding, forms, or systems without permission

8. Intellectual Property

All content on the Karma Merchant Brokers website, including text, graphics, logos, images, forms, service descriptions, sales materials, and related content, is owned by Karma Merchant Brokers or its content providers and is protected by applicable copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, modify, or use Karma Merchant Brokers content without written permission.

9. Third-Party Services

Karma Merchant Brokers works with third-party processors, banks, gateways, equipment providers, CRM platforms, messaging providers, website platforms, automation tools, marketing platforms, and other service providers. We carefully select providers, but third-party services are governed by their own terms, conditions, policies, and approval requirements. You may be required to agree to additional third-party terms. Karma Merchant Brokers is not responsible for third-party service interruptions, underwriting decisions, pricing changes, platform limitations, approval decisions, delays, or provider actions outside our control.

10. Customer Responsibilities

You agree to:

• Provide accurate information and keep business and contact information updated
• Use services lawfully and follow payment processing rules
• Honor approved customer offers or promotions
• Maintain required compliance for your business
• Review statements, fees, agreements, and notices
• Communicate promptly regarding service issues, disputes, or changes
• Maintain appropriate permissions for customer communications where required

11. PCI Compliance

If you accept credit card payments, you are responsible for maintaining Payment Card Industry Data Security Standard (PCI DSS) compliance. Karma Merchant Brokers may provide tools, support, guidance, or referrals to help with PCI-related requirements, but ultimate responsibility for PCI compliance rests with your business and applicable processing relationship.

12. Website, CRM, AI, and Automation Services

Karma Merchant Brokers may provide or support websites, CRM tools, AI communication tools, automation workflows, missed-call recovery, appointment reminders, customer follow-up, review requests, customer reactivation, and related technology services. You understand that:

• Technology tools may depend on third-party platforms
• Service availability may vary
• Automation requires accurate setup and customer information
• AI tools may not always understand every request perfectly
• You are responsible for reviewing and approving business-critical information, offers, pricing, and customer-facing content
• Karma Merchant Brokers does not guarantee specific revenue, lead volume, appointment volume, review volume, or business results

13. Karma Loyalty Points and Keep It Local Programs

Karma Loyalty Points and Karma Keep It Local programs are designed to support customer retention, local business promotion, and repeat customer engagement. Participating businesses may be required to process through Karma Merchant Brokers, maintain active participation, honor advertised offers, maintain accurate business information, follow approved promotional rules, operate ethically and honestly, and communicate with Karma regarding setup, support, and changes.

Program features, availability, rules, benefits, and participation requirements may change over time. Karma Loyalty Points are loyalty points and are not cash unless specifically stated in an applicable written program rule.

14. SMS and Text Messaging Terms

15. SMS Consent

By providing your phone number and opting in through a Karma Merchant Brokers form, website, paper form, verbal consent process, or other approved opt-in method, you agree to receive SMS/text messages from Karma Merchant Brokers at the phone number provided. You agree that you are the owner or authorized user of the phone number provided. You agree to notify us if your phone number changes or is no longer in use.

16. Marketing Communications

Karma Merchant Brokers may send marketing communications by email, phone, or text message where permitted and, where required, with your consent. You may opt out of marketing communications at any time by following the unsubscribe or opt-out instructions in the message or by contacting us directly.

17. Age Restriction

You must be at least 18 years old to use our services, submit forms, request services, or enter into agreements with Karma Merchant Brokers. Our services are not intended for individuals under 18.

18. No Guaranteed Results

Karma Merchant Brokers provides business services, tools, technology, support, and growth systems. We do not guarantee specific results, including but not limited to:

• Processing savings or revenue increases
• New customers, repeat customers, or appointment volume
• Website traffic, review volume, or lead volume
• Sales outcomes or approval by payment processors or banks

Results depend on many factors, including business type, customer base, offer quality, follow-up, staff performance, market conditions, customer behavior, and participation.

19. Limitation of Liability

To the maximum extent permitted by law, Karma Merchant Brokers shall not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages arising from your use of our website, communications, services, third-party platforms, or related business activities. Karma Merchant Brokers' total liability shall not exceed the fees paid directly to Karma Merchant Brokers by you during the six months preceding the claim.

20. Indemnification

You agree to indemnify and hold harmless Karma Merchant Brokers, its owners, officers, team members, agents, contractors, partners, and representatives from claims, damages, losses, liabilities, costs, and expenses arising from:

• Your use of our services or violation of these terms
• Your violation of applicable laws or regulations
• Your business operations or customer offers or promotions
• Your payment processing activity or communications with your customers
• Your use of third-party services

21. Termination

Either party may terminate the service relationship at any time, subject to any outstanding obligations, written agreements, third-party terms, processor terms, equipment obligations, and unpaid balances. Termination of one service may not automatically terminate third-party agreements, merchant processing agreements, equipment agreements, software subscriptions, or other related obligations.

22. Governing Law

These Terms of Service are governed by the laws of the State of Missouri, without regard to conflict of law principles. Any disputes shall be handled in the appropriate courts of Missouri unless otherwise required by a separate written agreement.

23. Changes to These Terms

Karma Merchant Brokers may update these Terms of Service from time to time. When updates are made, the revised terms will be posted on this page with an updated "Last Updated" date. Your continued use of our website, communications, or services after changes are posted means you accept the updated terms.

24. Contact Information

If you have questions about these Terms of Service, contact us: