2 Documents
15 All provisions 3 High severity 9 Medium severity 3 Low severity
0 Changes · 12 mo
Last change

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.

Governance Coverage
Privacy Rights
3 provisions · 2 med
Data Collection
3 provisions · 2 med
Liability Limitation
3 provisions · 2 high · 1 med
Arbitration
3 provisions · 3 high
Data Retention
2 provisions · 1 med
Data Sharing
2 provisions · 1 high · 1 med
Account Control
2 provisions · 2 high
Acceptable Use
1 provision · 1 med
Security
1 provision · 1 med
Legal Jurisdiction
1 provision · 1 med
Quick Facts
Arbitration: Mandatory
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Account Termination Without Notice

For businesses that rely on Mercury as their primary banking platform, an unexpected account closure without notice could disrupt payroll, vendor payments, and access to operating funds, creating imm…

High Limitation of Liability

For businesses holding significant operating funds in Mercury accounts, this cap means that if Mercury makes an error resulting in financial loss, the recoverable amount under this agreement may be a…

High Mandatory Arbitration and Class Action Waiver

This clause removes your right to sue Mercury in court or participate in a class action, which is often the only practical way to pursue smaller claims against a financial services company.

High Account Termination and Suspension

For a business banking platform, an unexpected account suspension can disrupt payroll, vendor payments, and cash flow — and this clause provides no notice period or appeal mechanism before terminatio…

High Limitation of Liability Cap

For a business banking platform that may hold tens or hundreds of thousands of dollars in operating funds, a $100 minimum recovery cap is extraordinarily low and means Mercury bears almost no financi…

Document Coverage
Privacypolicy Termsofservice
Last change detected: Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 15
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Documents

Mercury Privacy Policy

Medium

This is Mercury's privacy policy explaining how the company collects and uses your business and personal financial data when you use their banking, lending, and expense management products. The most …

Last updated May 5, 2026 · Privacy policy
7 provisions 1 version captured Version history →

Mercury Terms of Service

High

This is Mercury's Terms of Use, the legal agreement that governs your access to Mercury's business banking platform, including checking accounts, savings, credit cards, and lending products. The most important …

Last updated May 5, 2026 · Terms of service
8 provisions 1 version captured Version history →

Mercury has changed 0 times in the past year.

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Medium Severity Provisions (6)

View all high severity provisions → Compare Mercury with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Mercury documents does ConductAtlas track?

ConductAtlas tracks 2 Mercury documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Mercury made in the past year?

Mercury has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Mercury?

ConductAtlas has classified 15 provisions across Mercury's tracked documents. 3 are rated high severity, 9 medium, and 3 low.

Can I get alerts when Mercury changes their policies?

Yes. Watcher subscribers ($9.99/month) can add Mercury to their watchlist and receive same-day email alerts whenever any tracked document changes.