Mercury Terms of Service

This document governs use of Mercury's website at mercury.com and its associated financial services platform, establishing the legal basis for the relationship between Mercury Financial LLC and its users under a standard click-wrap agreement. The terms authorize Mercury to terminate or suspend access at any time without prior notice, assert a broad limitation of liability capping Mercury's exposure to amounts paid by the user in the preceding twelve months or one hundred dollars, and require users to indemnify Mercury against third-party claims arising from their use of the platform. The mandatory arbitration clause and class action waiver are operationally significant: the agreement states that disputes must be resolved through binding individual arbitration rather than court proceedings, eliminating collective action rights that would otherwise be available under applicable law; users retain a 30-day opt-out window from the date of account creation. The document engages federal financial services regulation including Bank Secrecy Act compliance obligations, anti-money-laundering requirements, and CFPB oversight applicable to Mercury's banking partners; California residents may have additional rights under the CCPA that the terms do not fully address, and the enforceability of certain arbitration provisions may vary by jurisdiction.