Legal — draft
Terms of Service
Draft pending legal review. These terms cover the Phase 1 demonstration platform.
1. Acceptance
By creating an FM Merchant account you agree to these terms. FM Merchant is powered by FlowMoney and built on Polygon. If you do not agree, do not use the platform.
2. Accounts
You must provide accurate information and keep your credentials secure. You are responsible for activity under your account. One person or business per account; do not share sign-in details.
3. Phase 1 scope
Phase 1 provides website access, merchant registration, dashboard, business tools and demonstration payment interfaces. No live payment processing, fund custody, banking, transfers or withdrawals are offered.
4. Demonstration data
All balances, transactions, payment links and checkouts are simulated. They do not represent real money, obligations or settlement, and must not be presented to customers as evidence of payment.
5. Verification
Secure identity verification is required before any future payment activation. FM Merchant may decline or suspend accounts that fail verification or breach these terms.
6. Acceptable use
You may not use the platform for unlawful activity, to misrepresent a business, to attempt unauthorized access to another merchant's records, or to interfere with platform security.
7. Third-party resources
Start & Grow Your Business links to official government resources and third-party providers. Filing fees are set by those agencies and providers; FM Merchant does not collect them and is not responsible for third-party services.
8. Changes and termination
Features and these terms may change as phases are released. Material changes will be communicated to the email on your account. You may stop using the platform at any time.
DRAFT — pending legal review. Last updated November 2026.