GuardScore™ Compliance Passport Disclaimer

⚠️ Important Notice

The MerchantGuard™ Compliance Passport is provided for educational purposes only and isnot financial, legal, or investment advice. It does not constitute regulatory approval, payment service provider (PSP) endorsement, underwriting decisions, or compliance guarantees.

What Our Compliance Passport Represents

The MerchantGuard™ Compliance Passport indicates that a merchant has completed our educational assessment process and demonstrated understanding of common compliance frameworks. The Compliance Passport serves as:

  • Educational completion certificate - showing engagement with compliance learning materials
  • Self-assessment record - documenting merchant-provided information
  • Process documentation - indicating completion of our structured review process
  • Conversation starter - facilitating discussions with payment partners

What Our Compliance Passport Does NOT Represent

  • Regulatory compliance certification - We are not a regulatory body
  • Payment processor approval - PSPs make independent underwriting decisions
  • Legal compliance guarantee - Laws vary by jurisdiction and change over time
  • Financial advice or recommendations - Consult qualified professionals
  • Insurance or liability coverage - No protection against losses or penalties
  • Audit or third-party verification - Information is merchant self-reported

Liability Limitations

By using the MerchantGuard™ Compliance Passport or referencing our assessments, you acknowledge and agree that:

  1. No Warranties: MerchantGuard™ makes no representations or warranties regarding the accuracy, completeness, or reliability of Compliance Passport information.
  2. Independent Verification Required: All compliance determinations must be independently verified with qualified legal and financial professionals.
  3. No Liability for Outcomes: MerchantGuard™ is not liable for any business outcomes, regulatory actions, or financial losses related to Compliance Passport usage.
  4. User Responsibility: Users are solely responsible for their compliance obligations and business decisions.
  5. Indemnification: Users agree to indemnify MerchantGuard™ against any claims arising from Compliance Passport usage or reliance on our educational content.

Passport Integrity & Verification

To ensure Compliance Passport integrity and prevent misuse:

  • All Compliance Passports include cryptographic signatures for tamper detection
  • Compliance Passport data expires after 90 days and requires renewal
  • Fraudulent Compliance Passport usage may result in permanent account suspension
  • Compliance Passport verification can be performed at any time via our public API

Verify Passport Authenticity: Always verify Compliance Passports using our public verification tool or API to ensure they have not been tampered with or expired.

Proper Usage Guidelines

✅ Appropriate Usage

  • Include this disclaimer when sharing Compliance Passports
  • Present Compliance Passports as educational achievements
  • Use Compliance Passports to facilitate compliance discussions
  • Combine Compliance Passports with professional legal review

❌ Inappropriate Usage

  • Claiming regulatory approval or certification
  • Guaranteeing payment processor acceptance
  • Substituting for professional legal advice
  • Modifying or tampering with Compliance Passport data

Professional Consultation Required

MerchantGuard™ strongly recommends consulting with qualified professionals before making compliance or business decisions:

  • Legal Counsel: For regulatory interpretation and compliance strategy
  • Certified Public Accountants: For financial and tax compliance
  • Industry Consultants: For sector-specific requirements
  • Payment Specialists: For processor selection and optimization

AI and Machine Learning Disclaimers

Nature of AI-Generated Content

ALL CONTENT GENERATED BY MERCHANTGUARD'S AI SYSTEMS IS PROVIDED "AS IS" FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

GuardScore Disclaimer

Your GuardScore is an AI-generated educational risk assessment based on information you provide, publicly known compliance thresholds, machine learning predictions from training data, and industry patterns and best practices.

GuardScore is NOT:

  • A guarantee of processor approval or rejection
  • A prediction of actual freeze or termination likelihood
  • Based on proprietary processor underwriting criteria
  • A substitute for processor due diligence
  • A professional risk assessment

Actual risk depends on many factors our AI cannot access, including your complete account history with processors, processor-specific underwriting criteria (which are proprietary), factors outside the data you provide, real-time processor policy changes, and your implementation of recommendations.

PSP Matching Disclaimer

ACTUAL PROCESSOR DECISIONS ARE MADE INDEPENDENTLY BY PROCESSORS.

Our AI cannot predict or influence their decisions. PSP matches are educational suggestions, not guarantees of approval.

AI Accuracy and Limitations

AI SYSTEMS CAN MAKE ERRORS.

Our AI may misinterpret data, provide outdated information, miss relevant context, make incorrect predictions, or generate incomplete responses. YOU MUST INDEPENDENTLY VERIFY AI OUTPUTS BEFORE ACTING ON THEM.

No Guarantee of Outcomes

WE MAKE NO GUARANTEES REGARDING:

  • Prevention of account freezes or terminations
  • Processor approval rates
  • Effectiveness of recommendations
  • Accuracy of risk scores
  • Compliance with all applicable laws
  • Any specific business outcomes

Professional Advice Recommendation

AI-GENERATED GUIDANCE IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE.

Consult qualified professionals for: Legal advice (attorneys), Financial advice (CPAs, financial coaches), Compliance consultation (compliance professionals), Tax advice (tax professionals), and Business strategy (business consultants).

For details about how our AI works, see: AI Methodology, Terms of Service, and Privacy Policy

Contact & Questions

For questions about Compliance Passport interpretation, verification, or proper usage:

Last Updated: August 18, 2025
Version: 1.0
Effective: All MerchantGuard™ Compliance Passports and assessments