TOS
Terms of Service | Lock Merchant Services
Effective date: 7/7/2026
1. Introduction
These Terms of Service ("Terms") govern your use of lockmerchantservices.com (the "Website"), operated by Lock Merchant Services ("Lock Merchant Services," "we," "us," or "the Agent"). Lock Merchant Services markets merchant services, payment processing solutions, and related business services through this Website. See Section 2 for details on how we're structured as a business.
By using this Website, you agree to these Terms. If you don't agree, please discontinue use of the Website.
2. Independent Business Relationship
Lock Merchant Services is an independent sales agent. This Website is not operated by a bank, financial institution, lender, sponsor bank, processor, or government agency.
We're solely responsible for our own marketing, sales activity, client relationships, and the content we publish here, and for complying with applicable laws.
Nothing on this Website creates an employment, partnership, joint venture, fiduciary, or exclusive-territory relationship, or guarantees any business relationship. Using shared technology, CRM, or onboarding infrastructure from a processor or platform partner doesn't change that. Lock Merchant Services remains an independent business unless we state otherwise in writing.
3. No Guarantee of Approval or Funding
Submitting information through this Website doesn't guarantee merchant account approval, processing approval, funding, financing, underwriting approval, revenue increases, or any other financial result.
Approvals, underwriting, processing availability, and funding timelines are decided by our processing and banking partners, not by Lock Merchant Services. Applications can be denied, delayed, restricted, or terminated at any time, for any reason that the partners determine.
4. Informational and Marketing Purposes Only
Everything on this Website is for informational and marketing purposes. Nothing here is legal, financial, tax, compliance, or banking advice, and nothing guarantees a business outcome. Talk to a qualified professional about matters specific to your business.
5. Savings and Performance Disclaimer
Any mention of savings, revenue increases, cost reduction, or other business performance on this Website is illustrative only, not a guarantee. Results vary based on your business type, industry, processor requirements, underwriting, and market conditions. We don't represent that any merchant will achieve similar results.
6. Third-Party Services and Integrations
This Website may reference or connect to third-party services: payment processors, CRM systems, software tools, hosting, automation systems, APIs, and communication platforms. These providers operate independently, under their own terms and policies.
Lock Merchant Services doesn't control and isn't responsible for third-party outages, underwriting decisions, funding delays, processor actions, or other third-party service failures.
7. User Responsibilities
When using this Website, you agree not to submit false information, commit fraud, upload malicious software, attempt unauthorized access, misrepresent your identity, abuse our communication systems, or otherwise use the Website unlawfully. You're responsible for making sure anything you submit is accurate and lawful.
8. Communications Consent
By submitting a form, application, or contact request, you agree to receive emails, calls, texts, appointment confirmations, and related follow-up communications. Message and data rates may apply. Unless required by law, agreeing to receive these communications isn't a condition of doing business with us.
9. Privacy and Submitted Information
Information you submit may be shared with our processors, service providers, and technology systems for onboarding, lead management, support, and compliance review. Submitting information doesn't create a confidential, fiduciary, or banking relationship. See our Privacy Policy for full details on how we handle your information, and avoid submitting sensitive personal information outside the channels we've specifically directed you to use.
10. Intellectual Property
Content, layouts, graphics, and branding on this Website may be owned by Lock Merchant Services, our licensors, or other third parties. Don't copy or republish our content, reverse-engineer our systems, use our branding without permission, or attempt unauthorized access to our infrastructure.
11. Disclaimer of Warranties
This Website and our services are provided "as is" and "as available." We make no warranties about merchant approvals, funding timelines, processing availability, uptime, revenue outcomes, or the accuracy of third-party information.
12. Limitation of Liability
To the fullest extent the law allows, Lock Merchant Services isn't liable for lost profits, business interruption, data loss, or indirect or consequential damages, including those resulting from a processor's or bank's decisions or actions. You use this Website at your own risk.
13. Indemnification
You agree to indemnify and hold Lock Merchant Services and our service providers harmless from claims, damages, or losses arising from information you submit, fraudulent activity, violations of law, or misuse of this Website.
14. Website Availability
We may modify, suspend, or discontinue this Website, or any feature on it, at any time without notice and without liability.
15. Governing Law
These Terms are governed by the laws of Florida, unless applicable law requires otherwise. Disputes are subject to the jurisdiction and venue requirements that apply there.
16. Contact Information
Questions about these Terms? Contact us at:
Email: info@lockmerchantservices.com
Phone:
Footer Disclosure
Lock Merchant Services, an Independent Sales Representative. Merchant approvals subject to underwriting and processor review. Not a bank, lender, or financial institution.