“we do not rely on it alone to make decisions that could have legal consequences, financial implications, or otherwise materially affect your rights or access to our services. Such decisions always involve appropriate human oversight.”
This analysis describes what Mercury's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
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.
The updated policy expands the categories of personal information Mercury collects and processes for business customers. Mercury now explicitly collects investment profile information, demographic data (citizenship status, sex assigned at birth), and information about dependents and payment beneficiaries. For business customers, Mercury may collect personal information directly from contractors, payment recipients, and other connected individuals at the business's direction to support payroll, benefits, and payment processing. The policy also clarifies that marketing SMS messages require separate consent from transactional messages, and that phone numbers will not be shared with third parties for their own advertising purposes. You can opt out of marketing SMS messages without affecting receipt of transactional messages.
View change record →The updated policy discloses Mercury's SMS and MMS messaging practices and establishes specific protections for users who opt in. The policy states that mobile phone numbers and opt-in consent data will not be sold, rented, or shared with third parties for marketing purposes, and will only be shared with telecommunications carriers under binding confidentiality agreements to deliver the service. You can opt out at any time by replying 'STOP' to any message or updating your notification preferences in your Mercury account settings.
View change record →Decisions that could legally, financially, or materially affect users' rights or service access are not made by AI alone — Mercury requires appropriate human oversight for such decisions.
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Human values
"we do not rely on it alone to make decisions that could have legal consequences, financial implications, or otherwise materially affect your rights or access to our services. Such decisions always involve appropriate human oversight.Excerpt from Mercury's Privacy Policy
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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.
Decisions that could legally, financially, or materially affect users' rights or service access are not made by AI alone — Mercury requires appropriate human oversight for such decisions.
ConductAtlas has identified this type of provision across 210 platforms. See the full comparison.
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