Terms of use

Website and chat

• The website provides information about MertAGI. It is not an offer to buy or sell goods, nor financial, tax or legal advice, nor a promise of commercial results.
• Answers in the chat with MAGI are non-binding and may be wrong. Only the service agreement, the plan and the information in the application are binding.
• Anyone who registers must provide accurate information and be at least 18 years old. The merchant service is intended for registered businesses that complete the required business verification (KYB) before activation.

How the merchant service operates

• The merchant remains the seller and the responsible economic operator for its trade, goods, customers, taxes, product compliance, customs, returns, warranty and chargebacks. Use of the service does not make MertAGI OÜ the merchant of record, importer, trader, customs representative, member of a governing body or legal representative.
• MertAGI may perform any action that is legally delegable, technically supported and expressly permitted by the active, versioned company mandate. Every external effect must be linked to the mandate version valid at the time of execution.
• At launch, MertAGI prepares bank payment orders. A person at the merchant company releases them through the company’s own bank access. MertAGI stores no credentials that can move money and initiates no payments. Other supported trade actions may run within the granted authority; non-transferable signatures and provider-required authentication remain with the responsible person.
• External messages are sent from the merchant’s domain and in the merchant’s name, with an AI notice, one-click unsubscribe and a suppression list. Sending depends on the company’s documented authority and the rules of the market concerned.
• If the mandate is withdrawn or the account closed, MertAGI ends the service in accordance with the service agreement. The merchant remains responsible for fulfilling existing contracts and legal obligations outside the platform.

Plans, credit and fees

• Monthly prices on this website are per company, plus VAT. The prices and conditions shown to you in the application before you take out a plan are binding.
• Paid plans apply per company and are charged in advance. There is no per-user fee. Trading capital remains in the merchant’s bank or payment accounts and is separate from the prepaid MertAGI operating balance.
• Before fee-bearing work starts or continues, the estimated fee is reserved from the operating balance and a visible, company-specific operational credit buffer. By default the buffer is zero. A buffer that has been used is an interest-free amount owed by the merchant and is settled first on the next top-up.
• At the approved balance floor, MertAGI does not start or continue fee-bearing autonomous operations or send new external trade commitments. Top-up and repayment, authentication, read-only access, export, security, billing notices and platform administration remain available.
• Every purchase order to a supplier and every sales invoice to a customer that MAGI issues carries a Trade Stamp: €5, €3, €2 or €1 per €1,000 of net value by plan (after discounts, before VAT), at least €0.10 and at most €1,000 per document. It is drawn from the operating balance when the document is issued; if the balance is not sufficient, the document is not issued. Quotes, pro-forma invoices, delivery notes, credit notes, incoming invoices and documents the merchant issues outside MertAGI carry no stamp.
• If an order is cancelled before the supplier confirms it, or a sales invoice is credited within 30 days, the stamp is returned, pro rata for a partial credit. Later returns, refunds, chargebacks, warranty cases, concessions or losses are the merchant’s responsibility. MertAGI takes no share of the merchant’s sales or margin.

AI, evidence and third parties

• MertAGI uses automated systems. Results and actions are limited by the company mandate, evidence and policy checks; however, no automated system is error-free. Merchants must set appropriate authority, budget and risk limits.
• Banks, payment service providers, marketplaces and authorities may require their own authentication, an authorised user or a manual action. These requirements can limit automation even where the merchant has granted wide authority.
• Names and logos of third parties describe compatible services or traded brands and imply no recommendation or partnership unless this is expressly stated.

Examples on this website

The public product walkthroughs use illustrative companies, operations and amounts to explain the intended process; they are marked as example or sample. They are neither trading history nor evidence of customer revenue, a forecast or a guarantee. Product availability, final service levels, allocation of liability, data processing, notice periods and exit terms are governed exclusively by the service agreement.

Law and contact

These website terms are governed by Estonian law; mandatory rights that cannot be validly excluded remain unaffected. Questions: hello@mertagi.com. Registry and address details: TBA.