Terms of service

Website and application

• The website is for business information and access applications. It is not an offer to buy or sell goods, financial, tax or legal advice, or a promise of commercial results.
• An application does not create an account, guarantee selection, reserve capacity, conclude a service agreement or trigger a payment.
• Applicants must provide accurate information and be at least 18 years old. Merchant service is intended for registered businesses that complete the required KYB checks before activation.

How the merchant service operates

• The merchant remains the seller and responsible economic operator for its trade, goods, customers, tax, product compliance, customs, returns, warranties and chargebacks. Use of MertAGI does not make MertAGI OÜ the merchant of record, importer, distributor, customs representative, statutory officer or legal representative.
• MertAGI may perform every action that is legally delegable, technically supported and expressly authorised by the active, versioned Merchant Mandate. Every external action must be linked to the mandate version in force when it is made.
• At launch, MertAGI prepares bank payment orders. A person at the merchant company releases them through the company's own bank access. MertAGI neither holds credentials that can move money nor initiates payments. Other supported trade actions may run within the merchant's authority; non-delegable signatures and provider-required authentication remain with the competent person.
• External messages use the merchant’s domain and name, include an AI disclosure and a one-click stop option, and respect suppression lists. Sending depends on the company’s recorded authority and the applicable market rules.
• If a mandate is withdrawn or an account is closed, MertAGI stops providing the service in accordance with the service agreement. The merchant remains responsible for completing its existing contracts and legal obligations outside the platform.

Planned paid plans, prepaid balance and fees

• Paid plans are charged per company and in advance. There is no per-user fee. Trade capital stays in the merchant's own 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 any visible, company-specific Operational Credit Buffer. The default buffer is zero. A used buffer is an interest-free amount due from the merchant and the next top-up repays it first.
• 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.
• The success fee is reconciled at the Trade Completion Event: the later of cleared customer funds and the merchant satisfying its delivery milestone. It applies to the Verified Trade Margin defined in the published tariff and service agreement.
• Once reconciled at the Trade Completion Event, the fee is earned and non-refundable. Later returns, refunds, chargebacks, warranties, concessions or commercial losses are the merchant's responsibility and do not reverse it.

AI, evidence and third-party services

• MertAGI uses automated systems. Outputs and actions are constrained by the Merchant Mandate, evidence and policy checks, but no automated system is error-free. Merchants must set suitable authority, budget and risk limits.
• Banks, payment providers, marketplaces and public authorities may require their own authentication, authorised user or manual action. Their rules can limit automation even where the merchant grants broad authority.
• Third-party names and logos describe compatible services and do not imply endorsement or partnership unless expressly stated.

Simulation and public information

The public walkthroughs use example companies, transactions and amounts to explain the intended workflow. They are not a trading history, evidence of customer revenue, a forecast or a guarantee. Product availability, final service levels, liability allocation, data processing, notice periods and exit terms are governed only by the signed service agreement.

Law and contact

These website terms are governed by Estonian law, without limiting mandatory rights that cannot lawfully be excluded. Questions may be sent to hello@mertagi.com. Company registry and address details: TBA.