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 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 →How other platforms handle this
Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
We may use information about you, your activity, content, media uploads and related data in your account to prevent, detect, investigate and address safety, security, fraud and abuse risks, and to develop our algorithms and models to identify violations...
"Credit Bureau and Agencies to obtain third-party information, including consumer and/or commercial credit reports, to assess creditworthiness, determine risk and fraud profiles, and support underwriting decisions.Excerpt from Mercury's Privacy Policy
We read the privacy policies and terms of service of 38 AI platforms. Here is what they say about training, retention, arbitration, and liability.
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The clause states: “Credit Bureau and Agencies to obtain third-party information, including consumer and/or commercial credit reports, to assess creditworthiness, determine risk and fraud profiles, and support underwriting decisions.”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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