top of page

Terms & Conditions

Welcome to D&C Merchants (“D&C”, “we”, “our”, “us”). By accessing or using our website, services, merchant solutions, automation tools, or AI-powered services, you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of our services.

 

1. Company Overview

​

D&C Merchants is a Montreal, Quebec-based business solutions company offering merchant payment processing consultation, payment hardware solutions, POS systems, merchant onboarding support, business funding referrals, workflow automation, and AI-powered business services through D&C Merchants AI.

Certain merchant processing products and payment solutions may be offered through licensed third-party financial institutions, acquiring banks, processors, technology vendors, and authorized partner networks.

 

2. Merchant Services

​

D&C Merchants may assist businesses in evaluating and onboarding payment processing solutions, POS systems, hardware deployments, and merchant account services.

Merchant approval, underwriting, rates, fees, settlement timelines, reserve requirements, hardware eligibility, and final service terms are determined by third-party payment processors, banking institutions, and network partners, subject to their independent underwriting and contractual requirements.

D&C Merchants does not guarantee merchant approval, specific pricing, transaction savings, or funding approval unless expressly agreed in writing.

 

3. Third-Party Providers

​

Our services may involve integrations, referrals, partnerships, or services provided by third-party vendors, including payment processors, software providers, hardware vendors, CRM providers, communications providers, and cloud service vendors.

D&C Merchants is not liable for service interruptions, pricing changes, technical failures, underwriting decisions, or contractual obligations imposed by third-party providers.

Users are responsible for reviewing all applicable third-party agreements before use.

 

4. D&C Merchants AI Services

​

D&C Merchants AI provides intelligent automation services, including but not limited to:

  • conversational AI agents

  • outbound voice automation

  • lead qualification systems

  • appointment booking automation

  • CRM workflow automation

  • customer engagement systems

  • analytics and reporting tools

  • custom business automation solutions

​

AI outputs are probabilistic and may occasionally generate inaccuracies, misunderstandings, or incomplete responses.

Clients remain responsible for reviewing automation logic, compliance requirements, messaging content, and business decisions resulting from AI usage.

D&C Merchants does not guarantee specific revenue increases, conversion rates, appointment volumes, or operational outcomes from AI deployment.

 

5. Compliance & Responsible Use

​

Clients agree not to use D&C services, merchant systems, or AI automation for:

​

  • unlawful solicitation

  • fraudulent transactions

  • deceptive business practices

  • prohibited telemarketing activity

  • harassment

  • spam campaigns

  • privacy violations

  • unlawful data collection

  • misleading AI impersonation

  • regulated activity without proper authorization

​

Clients are solely responsible for complying with applicable laws, including privacy, telemarketing, consumer protection, payment network rules, and business licensing requirements.

 

6. Intellectual Property

​

All branding, website content, workflows, automation architecture, software configurations, AI prompts, custom integrations, graphics, documentation, and proprietary systems developed by D&C Merchants remain the intellectual property of D&C Merchants unless otherwise agreed in writing.

Unauthorized reproduction or resale is prohibited.

 

7. Confidentiality

​

Both D&C Merchants and its clients may exchange confidential business information. Each party agrees to maintain confidentiality regarding non-public operational, financial, technical, or strategic information except where disclosure is required by law.

 

8. Limitation of Liability

​

To the maximum extent permitted by law, D&C Merchants shall not be liable for indirect, incidental, consequential, special, or punitive damages, including loss of revenue, loss of profits, downtime, missed opportunities, data loss, automation errors, service interruptions, or third-party platform failures.

Use of our services is at your own business risk.

 

9. Service Modifications

 

D&C Merchants may update, modify, suspend, or discontinue services, integrations, pricing, automation systems, or website functionality at any time without prior notice.

 

10. Governing Law

​

These Terms & Conditions shall be governed by the laws of the Province of Quebec and the applicable federal laws of Canada.

Any disputes shall be subject to the courts located in Montreal, Quebec.

 

11. Contact

​

D&C Merchants
Montreal, Quebec, Canada
Email: info@dcmerchants.com

bottom of page