Welcome to Merchant Financial Group ("Merchant," "we," or "us"). By using our website, products, or services, you agree to these terms of service ("terms"). Please read these terms carefully before using our website, products, or services.

1. Use of Our Website, Products, and Services
   You may use our website, products, and services only for lawful purposes and in accordance with these terms. You may not use our website, products, and services:
   1. In any way that violates any applicable federal, state, local, or international law or regulation.
   2. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
   3. To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
   4. To impersonate or attempt to impersonate us, our employees, another user, or any other person or entity.
   5. To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our website, products, or services, or which, as determined by us, may harm us or users of our website, products, or services, or expose them to liability.
      
      
2. Intellectual Property
   Our website, products, and services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by us, our licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. These terms permit you to use our website, products, and services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, products, or services, except as follows. If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end-user license agreement for such applications. If we provide social media features with certain content, you may take such actions as are enabled by such features. 
   1. Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
   2. You may store files that are automatically cached by your Web browser for display enhancement purposes.
   3. You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
      
      
3. User Contributions
   Our website, products, and services may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, "interactive services") that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, "post") content or materials (collectively, "user contributions") on or through our website, products, or services. All user contributions must comply with the Content Standards set out in these terms. Any user contribution you post to the site will be considered non-confidential and non-proprietary. By providing any user contribution on our website, products, or services, you grant us and our affiliates and service providers, and each of their and our respective affiliates.