Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Oct 6, 2026; our capture on Oct 21, 2026 found the same text, but its identity was not checked by them.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“You may only apply for an Account...if you are a United States citizen and are at least 18 years of age (for Personal Accounts) or a legal entity formed and registered in the United States...”
“You agree to defend, indemnify, and hold harmless Mercury and its subsidiaries, agents, licensors, managers, and other affiliated companies...from and against any and all third-party claims, damages, obligations, losses, liabilities, costs or debt...”
“In no event shall Mercury...be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an amount exceeding $1000.00.”
“Mercury will not be liable for any losses caused by any unauthorized use of your Account.”
“you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services as permitted by the features of the Services. Mercury reserves all rights not expressly granted herein...”
“Use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control's Specially Designated Nationals List...”
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 is capped at $1,000.00 no matter what, and Mercury takes no responsibility for losses from unauthorized use of your account. Once a wire transfer is accepted, you cannot cancel or change it, and invoice payments may be held for up to four business days before the funds are available to you.
Mercury's Terms of Service establish the conditions under which Mercury provides banking and payment services to eligible users, defined as U.S. citizens aged 18 or older for Personal Accounts, or U.S.-formed and registered legal entities for other account types. The document grants users a non-exclusive, limited, non-transferable, and freely revocable license to use the Services only as their features permit, while imposing a broad indemnification obligation requiring users to defend and hold harmless Mercury and its affiliates against any and all third-party claims, damages, and costs. Mercury disclaims all warranties, caps its total liability to users at $1,000.00, and bears no liability for losses arising from unauthorized account use. Key operational constraints include irrevocability of wire instructions once accepted, a risk-based funds availability hold of up to four business days on ACH invoice payments, a narrow 30-minute cancellation window for transfers, and a prohibition on any use—direct or indirect—that benefits OFAC Specially Designated Nationals.
As a Mercury user, you are personally responsible for defending Mercury and its affiliates from any third-party claims that arise in connection with your use of the service, which can expose you to significant out-of-pocket costs. Mercury's total financial obligation to you for any harm is limited to $1,000.00, and Mercury accepts no responsibility for losses caused by unauthorized access to your account. If you need to cancel a transfer, you must act within 30 minutes of authorization and only before the funds have been picked up or deposited. Wire instructions are final once Mercury accepts them, so you should verify all wire details before submission.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
3 important changes detected
9 versions captured · Latest change detected by ConductAtlas: October 2026
Mercury added a new section governing automatic recurring payments (autopay) on invoices. The updated terms establish that payers authorize recurring ACH debits through separate addenda, that Mercury does not guarantee …
View change record →We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“You may only apply for an Account...if you are a United States citizen and are at least 18 years of age (for Personal Accounts) or a legal entity formed and registered in the United States...”
“You agree to defend, indemnify, and hold harmless Mercury and its subsidiaries, agents, licensors, managers, and other affiliated companies...from and against any and all third-party claims, damages, obligations, losses, liabilities, costs or debt...”
“In no event shall Mercury...be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an amount exceeding $1000.00.”
“Mercury will not be liable for any losses caused by any unauthorized use of your Account.”
“you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services as permitted by the features of the Services. Mercury reserves all rights not expressly granted herein...”
“Use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control's Specially Designated Nationals List...”
“The Services...are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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Cross-platform context
See how other platforms handle Account Eligibility US Citizenship Age Requirement and similar clauses.
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