Website Terms

Last updated: 17 September 2026

These Website Terms of Use govern your use of the Sterling Merchant Advisors website.

By using this website, you agree to use it in accordance with these terms.

1. About Sterling Merchant Advisors

This website is operated by:

Joe G. Jones trading as Sterling Merchant Advisors
Business correspondence address: Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA
Email: joe@sterlingmerchantadvisors.co.uk

Sterling Merchant Advisors provides merchant-services guidance to businesses looking for payment and EPOS solutions or wishing to review their existing arrangements.

Our services are aimed at businesses and individuals acting for business purposes.

2. What Sterling Merchant Advisors does

Sterling Merchant Advisors helps businesses understand and review areas including:

  • card-payment processing;

  • payment rates and charges;

  • card terminals;

  • EPOS systems;

  • payment and EPOS integration;

  • reporting; and

  • related merchant-services requirements.

We may assess information provided by a business and discuss payment or EPOS options that appear suitable for its requirements.

Where appropriate, we may introduce businesses to third-party payment providers, EPOS providers, consultants or other relevant service providers.

3. Our advisory service

Sterling Merchant Advisors does not charge businesses for its advisory service unless expressly agreed otherwise in writing.

Our role is to help businesses understand their options and identify solutions that may suit their requirements.

Any information or recommendation provided by Sterling Merchant Advisors is based on the information available to us at the relevant time.

Every business is different. The suitability, availability, pricing and terms of a particular product or service will depend on factors including the business, provider requirements and information supplied by the business.

4. No guarantee of savings or acceptance

We do not guarantee that:

  • a particular provider will accept an application;

  • a particular payment or EPOS solution will be available;

  • a particular rate or price will be offered;

  • changing provider will result in a specific level of saving;

  • any quoted rate will remain available indefinitely; or

  • a particular provider or system will be suitable in every circumstance.

Rates, charges, products, eligibility requirements and provider terms can change.

Any final quotation, approval or contractual offer is determined by the relevant provider.

5. Information you provide to us

You are responsible for ensuring that information you provide to Sterling Merchant Advisors is accurate to the best of your knowledge.

This may include information relating to:

  • business type;

  • turnover;

  • transaction volumes;

  • current providers;

  • current rates and charges;

  • merchant statements;

  • EPOS requirements; and

  • other information relevant to your enquiry.

Our assessment may depend on the information you provide. If information is incomplete or inaccurate, this may affect the options or guidance available.

Please do not send us customer cardholder information, full payment-card numbers or other payment data that is not necessary for your enquiry.

Information submitted through the website is handled in accordance with our Privacy Policy.

6. Third-party providers

Payment processing, acquiring, EPOS and related services recommended or introduced through Sterling Merchant Advisors are provided by independent third parties.

Sterling Merchant Advisors is not the bank, card acquirer, payment processor or EPOS provider unless expressly stated otherwise.

If you choose to proceed with a provider, the agreement for that provider's products or services will normally be between you and that provider.

You should review the provider's:

  • quotation;

  • pricing;

  • contract;

  • minimum term;

  • cancellation provisions;

  • hardware arrangements;

  • service terms; and

  • other relevant conditions

before entering into an agreement.

Sterling Merchant Advisors does not control the ongoing operation, pricing, availability or performance of services supplied by independent third-party providers.

7. Referral fees and commission

Sterling Merchant Advisors may receive a referral fee or commission from a payment, EPOS or other service provider if a business introduced through Sterling chooses to proceed with that provider.

This is how Sterling Merchant Advisors can provide its advisory service to businesses without charging them directly.

The existence of a referral arrangement does not guarantee that a particular provider or solution will be recommended.

8. Information on this website

We take reasonable care to ensure that information published on this website is clear and accurate.

However, merchant-services products, rates, charges, technology and provider terms can change.

Website content is therefore provided for general information and should not be treated as a binding quotation or contractual offer unless we specifically state otherwise.

Before making a decision, you should consider the actual quotation and contractual information supplied for the particular product or provider.

9. No professional financial, legal or tax advice

Information provided through this website is focused on merchant services, payment systems and EPOS.

Unless expressly stated otherwise, nothing on this website constitutes legal, tax, accounting, investment or other regulated professional advice.

Where your decision depends on those matters, you should obtain advice from an appropriately qualified professional.

10. Website availability

We aim to keep the Sterling Merchant Advisors website available and working correctly.

However, we cannot guarantee uninterrupted availability.

The website may occasionally be unavailable due to:

  • maintenance;

  • technical problems;

  • hosting issues;

  • security requirements; or

  • circumstances outside our reasonable control.

We may change, update or remove website content where reasonably necessary.

11. Third-party websites

This website may contain links to websites operated by third parties, including payment and EPOS providers.

Links are provided for convenience and information.

Third-party websites are controlled by their respective operators and may have their own terms, privacy policies and security practices.

Sterling Merchant Advisors is not responsible for the content or operation of independent third-party websites.

12. Intellectual property

Unless otherwise stated, the content of this website, including its:

  • text;

  • branding;

  • graphics;

  • layout;

  • logos;

  • original images; and

  • other original materials

belongs to Sterling Merchant Advisors or is used with appropriate permission.

You may view the website and retain reasonable copies for your own legitimate business use.

You must not reproduce, publish, distribute, sell or commercially exploit substantial parts of our original website content without permission.

Nothing in these terms affects intellectual-property rights belonging to third parties.

13. Acceptable use

You must not knowingly use this website:

  • for unlawful or fraudulent purposes;

  • to attempt unauthorised access to the website or its systems;

  • to introduce malicious software or harmful code;

  • to interfere with the operation or security of the website;

  • to submit deliberately false or misleading information; or

  • in a way that infringes the rights of Sterling Merchant Advisors or another person.

We may take reasonable steps to protect the website where misuse or security threats are identified.

14. Responsibility and liability

Sterling Merchant Advisors is responsible for providing its own services with the level of care required by applicable law.

We are not responsible for losses caused solely by the acts, omissions, systems or services of an independent payment provider, EPOS provider or other third party over which we have no control.

We are also not responsible for business decisions made without regard to the specific contractual information provided by the relevant third-party provider.

Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability that cannot legally be excluded for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.

UK law restricts businesses from using contractual terms to exclude certain liabilities and requires limitations to satisfy applicable fairness or reasonableness requirements.

15. Privacy and cookies

Our collection and use of personal information is explained in our Privacy Policy.

Our Privacy Policy also contains information about cookies and similar technologies used by our Squarespace website.

You should read the Privacy Policy alongside these Website Terms.

16. Changes to these terms

We may update these Website Terms where our:

  • services change;

  • website changes;

  • provider relationships change; or

  • legal or regulatory obligations change.

The latest version will be published on this website and the date at the top of the page will be updated.

Changes will apply from the date they are published and will not retrospectively change a separate agreement that has already been entered into unless legally permitted and appropriately agreed.

17. Governing law

These Website Terms are governed by the laws of England and Wales.

Where a dispute relating solely to these Website Terms arises between Sterling Merchant Advisors and another business, the courts of England and Wales will have jurisdiction, subject to any mandatory legal rights that apply.

18. Contact us

If you have any questions about these Website Terms, contact:

Sterling Merchant Advisors
Joe G. Jones trading as Sterling Merchant Advisors
Business correspondence address: Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA
Email: joe@sterlingmerchantadvisors.co.uk