What this agreement includes
Your agreement with Mercentia is this document together with the policies below. They are separate pages because each answers a different question, but they form one contract, and the same 30 days' notice applies to material changes in any of them.
Where a specific product has its own terms — an agency partnership, a marketplace app listing — those add to this agreement rather than replacing it.
Your account
You need a Mercentia account to use the dashboard. You're responsible for the accuracy of the information you provide, for keeping credentials secret, and for everything done through your account. Tell us immediately if you suspect unauthorised access.
One person per login. Teams are organisation-scoped: invite colleagues from the dashboard and give them a role, rather than sharing one set of credentials. Every action a staff member takes is attributed to them in your audit log, which only works if the logins are not shared.
You must be 18 or over and able to enter a contract. If you sign up for a company, you confirm you are authorised to bind it.
Plans and billing
- 14-day free trial on every paid plan, no card required at signup. Card details collected before the trial ends.
- Monthly or annual billing. Annual = 20% off. Founding- merchant pricing is locked for the life of the plan even if list prices change later.
- 0% transaction fees on current plans. We reserve the right to introduce transaction-based fees on future plan revisions; existing merchants stay on their current terms until they upgrade.
- Cancel any time from the dashboard. The storefront stays live until the end of the paid period.
- Refunds: pro-rata on annual plans for unused months, on request.
- You pay your payment provider their standard fees directly — Stripe, PayPal, Razorpay, or another you connect yourself. Mercentia takes none of that, and we do not hold your settlement funds.
- Prices exclude VAT and any other tax, which we add where the law requires it based on the business address and tax number on your account.
Acceptable use
The full rules — including the prohibited and restricted business categories the AI builder actually enforces — are in the acceptable use policy, which forms part of this agreement. In summary, you agree not to:
- Use Mercentia to sell goods or services that are illegal in your jurisdiction or in ours (UK)
- Use the platform to deceive, defraud, or harass buyers
- Reverse-engineer the platform or attempt to bypass security controls
- Resell or sublicense the platform without a written agency agreement
- Send spam through our outbound email infrastructure (we monitor reputation)
- Mine cryptocurrency or run unrelated compute on the storefront infrastructure
- Process card data on your own servers in a way that would pull Mercentia into a wider PCI scope — always use the hosted payment elements
Repeated or serious breaches → account suspension, with notice where the risk doesn't require immediate action.
Merchant data and intellectual property
Your data is yours. Products, customers, orders, content, brand assets — you own them. We process them as your data processor under the DPA. You can export the lot in machine-readable form at any time.
The platform is ours. Mercentia code, themes (excluding forks you publish), the AI engineer's reasoning chains, and the platform UI remain Mercentia property. You get a non-exclusive, non-transferable licence to use them while your account is active.
AI features
- Who processes your prompts. Anthropic and OpenAI, named with the data each receives on /subprocessors. Your prompts and content are not used to train their models or ours.
- Output is yours. Subject to the licence terms of anything it is derived from, you own the copy, imagery and layouts the AI generates for your store, and you may keep using them after you leave. AI output is not always unique — a comparable prompt may produce comparable results for someone else — so we cannot promise exclusivity in it.
- It advises, you decide. Every state-changing action needs your confirmation. We do not auto-publish, auto-refund, auto-discount or auto-cancel. Nothing the AI does amounts to a decision with legal effect made without a human.
- You are responsible for what you publish. AI output can be wrong, out of date, or unsuitable for your market. Check claims — particularly health, safety, financial and environmental claims — before they go live.
- Transparency. Our AI assistants tell people they are automated, and we keep the disclosures Article 50 of the EU AI Act requires, in force since 2 August 2026. Where you publish AI-generated content that a customer could reasonably take for a photograph or a human-written claim, labelling it is your obligation as the trader.
- Fair use. Plans include AI capacity rather than unmetered use. If you exceed it we tell you and offer more capacity; we do not silently degrade your store.
Apps, themes and the API
- Third-party apps. Apps in the marketplace are built by their developers, not by us. We review them for security and compliance before listing, but the contract for an installed app is between you and its developer, and their privacy terms govern the data you grant it. Installing an app is your instruction to share that data.
- Permissions. An app receives only the scopes you approve, and you can revoke them at any time from the dashboard. Revoking ends the app's access immediately.
- Building an app. Developers additionally accept the marketplace developer terms and review guidelines at submission. We can delist an app that breaks them, and will tell affected merchants when we do.
- API use. The API is for building on your own store or on behalf of merchants who have authorised you. Respect the published rate limits, do not use it to scrape another merchant's catalogue, and keep your keys secret — a leaked key is treated as your action until you rotate it.
- Themes. Themes we publish are licensed to you for use on stores you operate, for as long as your account is active. You may modify them. You may not resell them or redistribute them outside Mercentia.
Sub-processors + DPA
The current list is published at mercentia.com/subprocessors, generated from the platform's own integration registry so it stays in step with the software. Account owners get 30 days' notice by email before a new sub-processor starts processing.
Our Data Processing Agreement applies automatically to every merchant — you do not need to ask for it or sign a separate copy. It is the same document for everyone; a countersigned version is available on request for procurement.
Your customers
The people who buy from your store are your customers, not ours. You are their data controller and their counterparty: you set your own refund, delivery and privacy terms, you answer their data requests, and you are the trader they contract with.
Mercentia generates storefront policies from what you have configured and detects the services you have connected, which is a starting point rather than legal advice. Review them before publishing — they are published in your name.
We contact your customers only to deliver what your store sends (order confirmations, recovery emails, messages you trigger) or where safety or the law requires it — a security incident affecting their data, or a regulator's instruction. We do not market Mercentia to your customers.
Uptime and support
Target uptime depends on your plan: 99.9% (Grow / Pro), 99.95% (Business), 99.99% (Enterprise). The status page shows real-time component health and a 90-day historical view. Support hours and channels per plan are listed on the pricing page.
SLA credits apply on Enterprise plans and require a written incident ticket within 30 days of the affected month.
Termination
Either side can terminate with 30 days' notice. We can suspend immediately for acceptable-use violations that pose ongoing risk (fraud, abuse, illegal goods). On termination you have 30 days to export your data; after that we delete or anonymise per the retention schedule.
Liability and warranties
We provide Mercentia "as is" — no warranty of merchantability, fitness for a particular purpose, or non-infringement beyond what local law requires. Where law does require warranties, they apply.
Our aggregate liability for any claim is capped at the fees you paid Mercentia in the 12 months before the event giving rise to the claim. Neither side is liable for indirect, consequential, or special damages.
Nothing in these terms limits liability for fraud, death, or personal injury — laws on those points override the cap.
Changes
We can update these terms; material changes get 30 days' notice via email to the account owner. Continued use after the notice period = acceptance. Past versions are archived and available on request.
Governing law
These terms are governed by the laws of England and Wales, and the courts of London have jurisdiction. Mercentia Ltd is incorporated in England, which is why — it is not a claim that English law is the only law that matters to you.
Where you are does change things. Nothing here overrides a mandatory protection you have under the law of the country you live or trade in. If your local law gives you a right this agreement does not, you keep it; if it gives you a shorter or longer period than we state, the local one applies. Consumers in the EEA and the UK may bring a claim in their own courts.
Selling internationally is your responsibility. You choose which countries you sell to, and you are the trader in each. Consumer law travels with the buyer: a 14-day right to change your mind in the EU and UK, distance-selling and returns rules elsewhere, and the disclosures each market requires. Mercentia gives you the tools — per-country return windows, tax rules, localised policies, cooling-off notices on returns — and configuring them correctly for your markets is yours to do.
Sanctions and export control. You may not use Mercentia to trade with a person, entity or territory subject to UK, EU, US or UN sanctions, and you are responsible for screening your own customers where your business requires it.
Mercentia Ltd, registered in England & Wales. Questions: [email protected].