High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Mercury’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Biometric information is among the most sensitive categories of personal data; its collection by Mercury has significant implications for user privacy and data security.
The clause identifies the specific legal mechanisms Mercury uses to legitimize cross-border transfers of Personal Information from the EEA and UK, which are subject to heightened regulatory requireme…
The clause identifies a conditional opt-out right — qualified by 'may have' and 'as defined under applicable law' — and specifies the mechanisms available to exercise it.
The clause establishes a human-oversight requirement for consequential AI-assisted decisions, which bears directly on how Mercury's automated systems may affect users' legal and financial standing.
Personal Information may be transferred to third parties in corporate transactions, including to parties who are only potential — not confirmed — acquirers.
Mercury's Privacy Policy explains what personal data Mercury collects—including biometric data like facial scans and voiceprints—how it is used, and with whom it may be shared, including in corporate transactions …
Mercury's Terms of Service set the rules for who can open an account, how the service can be used, and what happens when things go wrong. Mercury's liability to you …
Mercury updated its privacy policy to expand how certain cookies are classified and used. Specifically, cookies from Facebook Ads, Bing Ads, Braze, Google Ads, and LinkedIn Ads now include 'SaleOfInfo' …
View change record →Mercury added a new section governing recurring automatic payments (autopay) on invoices, effective June 26, 2026. The updated terms establish that payers authorize recurring ACH debits through a separate addendum, …
View change record →Mercury updated its Terms of Service on May 29, 2026 to add a new section governing Mercury Invoicing when merchants use it to receive payments via ACH. The updated terms …
View change record →Get the research letter
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ConductAtlas tracks 2 Mercury documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Mercury has made 7 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 35 provisions across Mercury's tracked documents. 7 are rated high severity, 21 medium, and 7 low.
Yes. Monitor subscribers ($4.99/month) can add Mercury to their watchlist and receive same-day email alerts whenever any tracked document changes.