Terms of Service | Merchant Protection Agency

Effective Date: April 4, 2024

These Terms of Service ("Terms") govern your use of the website www.mpagency.ca ("the Website") and the services provided by Merchant Protection Agency ("MPA," "we," "our," or "us"). By accessing or using the Website or engaging with our services, you agree to be bound by these Terms. If you do not agree to these Terms, you must immediately discontinue use of the Website.

1. Acceptance of Terms

By accessing and using our Website, you acknowledge and agree to be bound by these Terms of Service, as well as any additional terms or conditions that may apply to specific sections or services of the Website. We reserve the right to modify or update these Terms at any time. All changes will be posted on this page, and the "Effective Date" will be updated. Continued use of the Website after such changes constitutes your acceptance of the updated Terms.

2. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not use the Website:

In any way that violates applicable local, provincial, or federal laws or regulations.
To impersonate any person or entity or misrepresent your affiliation with any person or entity.
To transmit any harmful or unlawful content, including viruses, malware, or other malicious code.

3. Services Provided

MPA provides businesses with merchant protection services designed to optimize your merchant services, manage chargebacks, reduce fees, monitor statements for discrepancies, and offer support for terminal installations. MPA also provides ongoing consulting and guidance to businesses to ensure their merchant accounts are secure, compliant, and functioning effectively.

4. User Responsibilities

You agree to:

Provide accurate, complete, and current information when filling out forms, applying for services, or engaging with MPA.
Maintain the confidentiality of your account information and password.
Notify us immediately of any unauthorized use of your account or other security breaches.

5. Fees and Payment

Fees for services provided by MPA will be outlined in your specific service agreement. By using the Website and our services, you agree to pay all applicable fees. Payments for services may be billed on a recurring basis depending on the service plan you select. All fees are non-refundable unless otherwise stated.

6. Account Registration

To access certain features of the Website or our services, you may be required to create an account. By registering, you agree to provide accurate and complete information, and you acknowledge that you are responsible for maintaining the security of your account credentials. You agree to notify us immediately if you suspect any unauthorized access to your account.

7. Privacy and Data Collection

MPA’s collection and use of personal information are governed by our Privacy Policy. By using the Website, you consent to the practices described in the Privacy Policy. We collect personal information only as necessary to provide our services and improve your experience on the Website.

8. Intellectual Property

The content, design, graphics, logos, trademarks, and other materials on the Website are owned by MPA or its licensors and are protected by intellectual property laws. You may not use, reproduce, or distribute any content from the Website without prior written permission from MPA.

9. Termination

MPA reserves the right to suspend or terminate your access to the Website and services at any time, without notice, for violation of these Terms or any other reason deemed appropriate by MPA. You may also terminate your use of the Website at any time by discontinuing your access.

10. Disclaimers and Limitation of Liability

The Website and services are provided "as is" and without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose. MPA makes no representations about the accuracy, reliability, completeness, or timeliness of the content or services on the Website.

In no event shall MPA be liable for any damages, including but not limited to indirect, incidental, special, consequential, or punitive damages, or damages for loss of profits, revenue, or data arising out of or in connection with the use of the Website or services.

11. Indemnification

You agree to indemnify and hold harmless MPA, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses, including legal fees, arising out of your use of the Website, violation of these Terms, or infringement of any third-party rights.

12. Third-Party Links

The Website may contain links to third-party websites or resources. MPA is not responsible for the content, accuracy, or availability of any third-party sites, and the inclusion of such links does not imply endorsement. You access such third-party websites at your own risk.

13. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada and the applicable laws of the Province in which MPA operates. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts in that Province.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

If you have any questions or concerns about these Terms of Service or any other aspect of our services, please contact us at:

Merchant Protection Agency
Email: support@mpagency.ca
Phone: 1.800.672.0902
Website: www.mpagency.ca

By using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.