Terms of Service

By accessing this website, submitting a contact form, requesting a consultation, or downloading any materials, you confirm that you are at least 18 years of age, have the legal capacity to enter into these Terms, and agree to be bound by them. These Terms apply to all visitors, users, and others who access or use the website.

Optix Merchant Group is an independent merchant services consulting firm. We provide:

• Advisory and consulting services to help businesses evaluate and select payment processing solutions
• Educational content, guides, and resources related to merchant services and payment processing
• Referrals to payment processors and related service providers
• Free consultations and statement reviews

We are an independent broker and are not employed by, owned by, or exclusively affiliated with any single payment processor. Our recommendations are advisory in nature. The final decision to enter into any agreement with a payment processor rests solely with you.

While we strive to provide accurate, helpful, and current information, we make no guarantees regarding:

• The suitability of any particular payment processor for your specific business
• The rates, fees, or terms you will ultimately receive from any processor
• Savings or cost reductions compared to your current processing arrangement
• The availability or continued operation of any third-party processor we reference

All information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice.

Permitted Use

You may use this website for lawful purposes only. You agree to:

• Provide accurate information when submitting forms or requesting consultations
• Use the website only for its intended purpose of learning about merchant services
• Respect all applicable laws and regulations

Prohibited Use

You agree not to:

• Use the website in any way that violates applicable federal, state, or local laws
• Submit false, misleading, or fraudulent information through any form
• Attempt to gain unauthorized access to any part of the website or its systems
• Use automated tools (bots, scrapers, crawlers) to extract data from the website without our written permission
• Transmit any malicious code, viruses, or harmful content
• Harass, threaten, or harm any individual through use of this website
• Impersonate Optix Merchant Group or any of its representatives

All content on this website — including text, graphics, logos, images, blog posts, checklists, and downloadable materials — is the property of Optix Merchant Group or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You may:

• View and print content for your personal, non-commercial use
• Share links to our website or blog posts

You may not:

• Reproduce, distribute, or republish our content without written permission
• Use our logo, brand name, or trademarks without express written consent
• Create derivative works based on our content for commercial purposes

Optix Merchant Group maintains relationships with multiple payment processors and may receive compensation when a merchant we refer enters into a processing agreement. This compensation does not affect our obligation to provide honest, unbiased advice.

Any agreement you enter into with a payment processor is solely between you and that processor. Optix Merchant Group is not a party to those agreements and is not responsible for the performance, fees, terms, or conduct of any third-party processor.

We encourage you to carefully review all contracts before signing and to ask questions about any terms you do not understand.

THE WEBSITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the website.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OPTIX MERCHANT GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR OUR CONSULTING SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising out of or relating to these Terms or your use of the website shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless Optix Merchant Group and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the website, your violation of these Terms, or your violation of any rights of another.

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website, you consent to the collection and use of your information as described in the Privacy Policy.

Our website may contain links to third-party websites for your convenience and reference. We do not control those websites and are not responsible for their content, privacy practices, or terms. The inclusion of any link does not imply our endorsement of that site.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the website shall first be submitted to good-faith negotiation. If the dispute cannot be resolved through negotiation within 30 days, it shall be submitted to binding arbitration in Texas under the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

You waive any right to participate in a class action lawsuit or class-wide arbitration against Optix Merchant Group.

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Effective Date" at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

We reserve the right to terminate or suspend your access to the website at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Optix Merchant Group with respect to your use of the website and supersede all prior agreements, understandings, and representations.

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