Effective Date: 1/1/2025

These Terms of Service ("Terms") govern the use of merchant services (the "Services") provided by Beehal LLC, dba Merchant Bugs, ("Merchant Bugs," "we," "us," or "our"). By using our Services, you agree to comply with these Terms.

1. Eligibility and Registration

To access our Services, you must:

>Be at least 18 years old and have the legal authority to enter into this agreement.

>Provide accurate and complete business and personal information, including but not limited to your business name, address, contact information, tax identification number, and banking details.

>Maintain the confidentiality of your account credentials, including your username, password, and any other security information. You must notify us immediately of any unauthorized use of your account.

>Agree to periodic updates and verification of your information to ensure it remains accurate and complete.

2. Use of Services

You agree to:

>Use the Services only for lawful and legitimate business purposes.

>Comply with all applicable laws, regulations, and industry standards, including those related to payment processing, data security, and consumer protection.

>Not engage in any activity that is fraudulent, illegal, or harmful to Merchant Bugs, our customers, or third parties. This includes but is not limited to money laundering, terrorism financing, and the sale of prohibited or restricted goods.

>Cooperate with us in any investigation of suspected violations of these Terms.

3. Fees and Payments

>Merchant Bugs may charge fees for processing transactions, providing customer support, and other services.

>Fees and pricing details will be disclosed to you at the time of registration or when you use a particular service.

>We reserve the right to adjust fees and pricing with prior notice. Any changes will be communicated to you through your account or other appropriate channels.

>You are responsible for paying all fees and charges associated with your use of the Services.

4. Transaction Processing

>All payments processed through our Services are subject to verification and approval by us and our payment partners.

>We may withhold or delay payments if we detect suspicious activity, such as potential fraud or unauthorized transactions.

>In the event of a chargeback or dispute, you must cooperate with us and provide any necessary information to resolve the issue.

>You are responsible for any losses incurred due to chargebacks, refunds, or other payment reversals.

5. Compliance and Security

>You must comply with all applicable data security standards and regulations, including the Payment Card Industry Data Security Standard (PCI DSS) if you accept credit card payments.

>You must protect customer information and not use it for any unauthorized purpose.

>You must implement appropriate security measures to prevent unauthorized access, fraud, or abuse of the Services.

>We implement security measures to protect our systems and data, but we cannot guarantee absolute security. You acknowledge that there is always a risk of unauthorized access or data breaches.

6. Account Suspension and Termination

We reserve the right to suspend or terminate your account if:

>You violate these Terms or engage in any prohibited activity.

>Your account is inactive for an extended period, as determined by us.

>We are required to do so by law, regulation, or court order.

>We believe that continuing to provide Services to you would pose a risk to our business or reputation.

7. Limitation of Liability

>Merchant Bugs is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Services or your inability to use the Services.

>Our liability is limited to the amount of fees paid by you in the three months preceding the event giving rise to the claim.

8. Indemnification

You agree to indemnify and hold Merchant Bugs harmless from any claims, losses, damages, or expenses arising from your use of the Services, your violation of these Terms, or your breach of any applicable law or regulation.

9. Amendments to Terms

We may update these Terms from time to time. Any changes will be communicated to you through your account or other appropriate channels. Continued use of the Services after the effective date of the modifications constitutes acceptance of the updated Terms.

10. Governing Law and Dispute Resolution

>These Terms are governed by the laws of California.

>Any disputes arising from these Terms will be resolved through arbitration or mediation before resorting to litigation.

11. Contact Information

For inquiries regarding these Terms, contact us at:

Beehal LLC | dba Merchant Bugs

1555 N Verdugo Rd #101, Glendale, CA 91208

[email protected]

818-940-5566

These Terms and Conditions outline the responsibilities and obligations for using our merchant services. Please review them carefully and seek legal counsel if necessary.