Terms & conditions

Last updated on 12/11/2025

These Terms of Use (the “Terms”) constitute a binding legal agreement between SIA "LeadProm Media", a company duly incorporated under the laws of the Republic of Latvia, having its registered office at Matīsa iela, 61 - 31, Rīga, LV-1009, Latvia, and registered with the Register of Enterprises of the Republic of Latvia under company number 40203230340 (hereinafter referred to as the “Merchanto”, “We”, “Us”, or “Our”), and you (hereinafter referred to as “You”, “Your”), who use or access our Website and Services.

These Terms of Use, together with the Privacy Policy, form a single binding agreement (the “Agreement”) between You and the Merchanto. These documents must be read and interpreted as one. By accessing or using the Website or the Services, You acknowledge that You have read, understood, and accepted this Agreement in its entirety. You are not authorized to use the Website or any of the Services unless You agree to all of the terms and conditions contained herein.

The term “You”, in its various grammatical forms, means a company, corporation, partnership, or other legal entity that accesses or uses the Website or the Services, and any authorized individual acting on behalf of such entity. If You are entering into this Agreement on behalf of a company or other legal entity, You represent and warrant that You are an authorized representative of such entity and have the legal authority to bind it to this Agreement. In such a case, the term “You” shall also refer to that entity and its affiliates, jointly and severally.

By accessing or using the Website, You acknowledge that You have READ, UNDERSTOOD, and AGREED to be bound by this Agreement.

IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT, OR IF YOU DO NOT HAVE SUCH AUTHORITY, YOU MUST NOT ACCESS OR USE THE SERVICES.

1. DEFINITIONS

1.1. “Account” means a unique account created by or on behalf of the Merchant to access and use the Platform and Services.

1.2. “API” means the application programming interface provided by Merchanto for Merchant's systems.

1.3. “Authorized User” means any person or entity designated by the Merchant to access and use the Services solely on the Merchant’s behalf under its Account.

1.4. “Merchant” (also referred to as “You” or “Your”) means any legal entity, entrepreneur, or other business entity that registers an Account to use the Services.

1.5. “Platform” means Merchanto’s proprietary software platform provided as a Software-as-a-Service (SaaS) solution, accessible through the Website and available to registered Merchants at https://merchanto.org.

1.6. “Privacy Policy” means Our privacy policy, as may be updated by Us from time to time, currently referenced at: 12.11.2025.

1.7. “Provider IP” means all intellectual property rights in and to the Services, including but not limited to the Website, API, underlying software, algorithms, data models, documentation, any related know-how, trade secrets, and proprietary materials and all derivative works or improvements thereof.

1.8. “Services” means the chargeback and fraud management and mitigation services provided by Merchanto through its Platform, accessible via the Website or through integration by means of API.

1.9. “Third-Party Services” means any products, tools, software, data feeds, or solutions provided, operated, or maintained by independent third-party service providers, including, without limitation, Visa, Mastercard, and other card networks, payment processors, or technology vendors, which are integrated into, resold through, or otherwise made available as part of the Services by Merchanto.

1.10. “Visitor” means any person who accesses or browses the Website. Visitors can view publicly available information about Merchanto and its Services.

1.11. “Website” means the website https://merchanto.org/, including all of its subdomains, pages, and related content.

2. DESCRIPTION OF THE SERVICE

2.1. Merchanto provides the Merchant with access to a Platform designed to manage and prevent payment card disputes, chargebacks, and related fraud signals. The Services enable the Merchant to process, respond to, and prevent dispute-related events originating from card networks and issuing banks.

2.2. The Services are made available via the Website or through integration by means of API and include the following categories of tools and solutions:

  • 2.2.1. Prevent: Tools and features designed to prevent disputes before they occur (including, without limitation, Order Insight CE 3.0 and Mastercard Clarity).
  • 2.2.2. Resolve: Tools and features designed to facilitate the resolution of disputes and to mitigate or avoid chargebacks including, without limitation, RDR/CDRN and Mastercard Alerts.
  • 2.2.3. Inform: Tools and features for monitoring, analyzing, and reporting on fraud-related data including, without limitation, TC40 and SAFE reports.

2.3. The Merchant expressly acknowledges and agrees that Merchanto acts as an authorized reseller of products and tools provided by Third-Party Services providers. Merchanto does not provide direct access to any third-party websites or platforms other than in its capacity as a reseller of such integrated tools.

2.4. The provision, availability, functionality, and accuracy of the Services are inherently dependent upon the availability and performance of the Third-Party Services. Merchanto does not control and shall not be liable for any decisions, modifications, interruptions, suspensions, or terminations of the products or tools offered by the Third-Party Service providers.

2.5. Any updates, technical changes, or policy modifications implemented by the Third-Party Services may directly impact the performance or scope of the Merchanto Services. Merchanto shall not be held responsible or liable for any such effects, limitations, or consequences arising therefrom.

2.6. THE MERCHANT ACKNOWLEDGES THAT THE SERVICES ARE TOOLS DESIGNED TO MITIGATE CHARGEBACK RISK AND NOT A GUARANTEE OF THE PREVENTION OF ALL CHARGEBACKS OR DISPUTES.

3. ACCOUNTS AND REGISTRATION

3.1. The Platform functionality may be limited for Visitors who have not registered an Account. Before registration, Visitors will be able to view publicly available information on the Platform, but will not have access to Services available only from the Account.

3.2. To access the Services, a Visitor must register an Account on the Platform. While Account registration may be available online, full activation and configuration of the Services require the Merchant to contact the Merchanto team directly.

3.3. Upon successful creation of an Account and completion of all required onboarding steps, the Visitor becomes a Merchant and shall be deemed a client of Merchanto for all purposes under this Agreement. By creating an Account, You agree to be fully bound by all provisions of this Agreement applicable to Merchants.

3.4. The Visitor agrees to provide accurate, complete, and up-to-date information during the Account registration process and to promptly update such information as necessary to maintain its accuracy.

3.5. Merchanto may allow a Merchant to create profiles for multiple Authorized Users under a single Account. Each Authorized User shall be assigned a unique login credential. All Authorized Users shall have access to and may use the Services solely on behalf of the Merchant and in accordance with this Agreement. The Merchant shall be fully responsible for all activities conducted under its Account by any Authorized User.

3.6. The Merchant is fully and solely responsible for:

  • 3.6.1. All activities conducted under its Account, whether by the Merchant itself or any of its Authorized Users.
  • 3.6.2. Maintaining the confidentiality and security of all login credentials.
  • 3.6.3. Managing access rights for Authorized Users, including the timely provisioning and revocation of such access as necessary.
  • 3.6.4. Immediately notifying Merchanto at support@merchanto.org of any suspected or actual unauthorized use of the Account, security breach, or compromise of credentials.

3.7. Merchanto provides optional functionality for Two-Factor Authentication (2FA) to enhance Account security. The Merchant is strongly encouraged to enable and enforce the use of 2FA for all Authorized Users.

3.8. Merchanto shall not be liable for any loss, damage, or unauthorized access resulting from the Merchant’s failure to maintain the security of its credentials or to implement 2FA.

4. LICENSE AND INTELLECTUAL PROPERTY RIGHTS

4.1. Subject to the Terms of this Agreement and timely payment of all applicable fees, Merchanto grants the Merchant a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for the Merchant’s internal business operations during the term of this Agreement.

4.2. The Merchant acknowledges and agrees that Merchanto and its licensors, including any underlying third-party providers, retain all rights, title, and interest, including all intellectual property rights, in and to the Provider IP, as defined in this Agreement.

4.3. Except for the limited license expressly granted in Section 4.1, no other rights, whether express or implied, are granted to the Merchant under this Agreement. All rights not expressly granted are reserved by Merchanto.

4.4. The Merchant is expressly prohibited from downloading, copying, storing, or reproducing any portion of the Services, content, or data provided through the Platform, except as expressly permitted under this Agreement.

5. FINANCIAL TERMS AND PAYMENT

5.1. The Merchant agrees to pay all fees and charges applicable to its selected pricing model in accordance with this Agreement and the applicable billing terms provided by Merchanto.

5.2. Merchanto accepts payments via wire transfer, SEPA, credit card, or cryptocurrency. All fees shall be invoiced and payable in the currency specified on the applicable invoice.

5.3. Payments in cryptocurrency are subject to conversion rates and network fees at the time of payment confirmation.

6. DISCLAIMERS AND WARRANTIES

6.1. THE SERVICES, PLATFORM, API, AND ALL RELATED CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE".

6.2. The Merchanto and its suppliers expressly disclaim all other warranties, whether express, implied, statutory, or otherwise, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

6.3. The Merchanto does not warrant that the services will be uninterrupted, secure, or error-free, or that all defects will be corrected.

6.4. The Merchant acknowledges that the services are dependent on third-party systems and the Merchanto is not responsible for any delays, failures, or damages caused by such third-party systems. The Merchant acknowledges that the services are a mitigation tool and not a guarantee of the prevention of all chargebacks or disputes.

7. COMPLIANCE AND ACCEPTABLE USE

7.1. Merchant agrees not to use the Services for any activity that:

  • 7.1.1. is fraudulent, unlawful, or deceptive;
  • 7.1.2. violates the rules, regulations, or bylaws of any card network (e.g., Visa, Mastercard) or financial institution;
  • 7.1.3. involves any prohibited industries or activities, including but not limited to illegal gambling, sale of firearms, or adult services, or any other activity that Merchanto deems, in its sole discretion, to be high-risk, illicit, fraudulent, or otherwise objectionable; or
  • 7.1.4. violates any applicable laws or regulations, including those related to anti-money laundering (AML), sanctions, or data privacy.

7.2. A breach of this Section may result in the immediate suspension or termination of Merchant's Account, at Merchanto’s sole discretion.

7.3. The Merchant represents and warrants that it is entering into this Agreement for business purposes. This Agreement is a business-to-business contract, and any statutory rights or protections afforded to “consumers”; under applicable law shall not apply to this Agreement or the Services.

8. LIMITATION OF LIABILITY

8.1. To the maximum extent permitted by applicable law, Merchanto and its affiliates, officers, directors, employees, agents, licensors, and service providers shall not be liable to the Merchant for any indirect, incidental, consequential, punitive, exemplary, or special damages, including but not limited to loss of profits, loss or corruption of data, business interruption, or damage to reputation, arising out of or in connection with the use or inability to use the Services, even if Merchanto has been advised of the possibility of such damages.

8.2. Nothing in this agreement excludes or limits liability for:

  • 8.2.1. death or personal injury caused by negligence;
  • 8.2.2. fraudulent misrepresentation or
  • 8.2.3. any liability which cannot be excluded under applicable law.

9. INDEMNIFICATION

9.1. The Merchant agrees to indemnify, defend, and hold harmless SIA "LeadProm Media", its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

  • 9.1.1. the Merchant’s breach of this Agreement;
  • 9.1.2. the Merchant’s misuse of or unauthorized access to the Services;
  • 9.1.3. the Merchant’s violation of applicable law, regulation, or third-party rights, including intellectual property and privacy rights; or
  • 9.1.4. any data, content, or information submitted or transmitted via the Merchant’s Account, including false, misleading, or unlawful material.

9.2. The Merchanto reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification. In such cases, the Merchant agrees to cooperate fully in the defense.

9.3. Sections relating to confidentiality, limitation of liability, indemnity, governing law, and dispute resolution shall survive termination or expiration.

10. EXPORT CONTROL

10.1. The Merchant represents and warrants that it is not subject to any sanctions, embargoes, or trade restrictions administered or enforced by the United States, the European Union, the United Kingdom, or Canada.

10.2. The Merchant further confirms that it:

  • 10.2.1. is not listed on any official restricted party list, including, without limitation, the U.S. Department of the Treasury’s Specially Designated Nationals and Blocked Persons (SDN) List, the U.S. Department of Commerce Entity List, the EU Consolidated Financial Sanctions List, or Canada’s Area Control List or Export Control List; and
  • 10.2.2. does not reside in, operate from, or is controlled by any country or territory subject to comprehensive sanctions or embargoes imposed by any of the above jurisdictions.
  • 10.2.3. does not have ownership, management, or operational links, directly or indirectly, with any individuals, entities, or organizations established in, incorporated under the laws of, or controlled from the Russian Federation, the Republic of Belarus, or any other country, territory, or jurisdiction that is, or becomes, subject to comprehensive sanctions or trade restrictions imposed by the European Union, the United States, the United Kingdom, the United Nations, or any of their respective member states, including but not limited to Iran, North Korea, Syria, and other jurisdictions designated from time to time.

10.3. The Merchant agrees not to use the Services in violation of any applicable export control or sanctions laws and regulations.

11. CONFIDENTIAL INFORMATION

11.1. “Confidential Information” means all nonpublic information disclosed by one party (“Discloser”) to the other (“Recipient”), whether oral or written, designated as confidential or which a reasonable person would understand to be confidential. Merchanto’s Confidential Information includes the Services, its pricing, and all non-public aspects of the Platform. Customer’s Confidential Information includes all nonpublic Customer Data.

11.2. The Recipient will:

  • 11.2.1. use the Discloser’s Confidential Information solely to perform its obligations under this Agreement;
  • 11.2.2. protect such information with at least the same degree of care it uses for its own similar information, but no less than reasonable care; and
  • 11.2.3. not disclose such information to any third party, except to its employees, contractors, and agents who have a need to know and are bound by similar confidentiality obligations.

11.3. Confidential Information does not include information that is or becomes publicly known through no fault of the Recipient; was known to the Recipient prior to disclosure; (c) is independently developed by the Recipient; or is lawfully received from a third party.

11.4. A Recipient may disclose Confidential Information if required by law or “Legal Process”, provided it gives the Discloser prompt notice (if legally permitted) to allow for a protective order.

12. TERMINATION

12.1. The Merchant may terminate the Account at any time by contacting Our support team at support@merchanto.org.

12.2. Termination may result in the deactivation or deletion of Your Account and denial of access to the Services. Termination by the Merchant shall not affect any obligations that have accrued prior to the termination date, including payment obligations.

12.3. Merchanto reserves the right, at its sole discretion and without prior notice, to suspend or terminate the Merchant’s access to all or part of the Services in any of the following circumstances:

  • 12.3.1. the Merchant breaches this Agreement, including any applicable policies or terms;
  • 12.3.2. the Merchant violates any applicable law, regulation, or third-party right;
  • 12.3.3. the Merchant engages in conduct that, in Merchanto’s reasonable opinion, may cause harm to other users, Merchanto’s systems, or its reputation;
  • 12.3.4. the Merchant becomes subject to sanctions, export control restrictions, or is reasonably suspected of having direct or indirect ownership, control, or business ties with entities or individuals located in the Russian Federation, Republic of Belarus, or any other sanctioned jurisdiction;
  • 12.3.5. the Services are discontinued, or a significant modification makes continuation commercially impracticable;
  • 12.3.6. in any other case, at Merchanto’s reasonable discretion.

12.4. Where practicable and not prohibited by law, Merchanto will use commercially reasonable efforts to provide prior notice of suspension or termination and will restore access promptly once the underlying issue is resolved.

12.5. Any suspension or termination under this Section shall not relieve the Merchant of its obligation to pay any outstanding or accrued fees.

12.6. Upon termination or expiration of this Agreement for any reason:

  • 12.6.1. all rights and licenses granted to the Merchant under this Agreement shall immediately terminate;
  • 12.6.2. the Merchant shall immediately cease using the Services;

12.7. Following termination or expiration, Merchanto shall have no obligation to retain or provide access to any account data, scan results, or usage history, all of which may be permanently deleted. Any retained data will continue to be processed in accordance with Merchanto’s Privacy Policy for as long as it remains in Merchanto’s possession.

12.8. Merchanto may, from time to time, discontinue certain Services, features, or product lines. Any such discontinuation will be communicated via the Website or other reasonable channels.

12.9. It is the Merchant’s responsibility to review such notices and adjust its use of the Services accordingly.

13. GOVERNING LAW AND DISPUTE RESOLUTION

13.1. These Terms shall be governed by and construed in accordance with the laws of Latvia. International copyright treaties may apply where relevant.

13.2. In the event of any dispute, controversy, or claim arising out of or relating to this Agreement, the Parties agree to first attempt to resolve the matter amicably through good faith negotiations for a period of thirty (30) calendar days from the date written notice of the dispute is provided by one party to the other.

13.3. If no resolution is reached within this period, any resulting disputes shall be subject to the exclusive jurisdiction of the competent courts located in Riga.

13.4. To the fullest extent permitted by applicable law, any proceedings shall be conducted on an individual basis, and not as part of a class, collective, consolidated, or representative action.

14. MISCELLANEOUS

14.1. All notices shall be in writing. Notices to Merchant will be sent to the email address associated with Merchant’s Account. Notices to Merchanto shall be sent to support@merchanto.org or Our registered corporate address.

14.2. We will provide notice of any changes to this Agreement. For any material changes, We will provide reasonable advance notice by posting a notification within the Service portal or by sending an email to the address associated with Your Account. For all other non-material changes, such notice will be deemed sufficient by updating the "Last Updated" date on this Agreement.

14.3. Force Majeure. Neither party shall be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including acts of God, war, terrorism, pandemics, or systemic internet failure.

14.4. Assignment. Merchant may not assign this Agreement without Our prior written consent. Merchanto may assign this Agreement to an Affiliate or in connection with a merger, acquisition, or sale of all or substantially all of its assets.

14.5. If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.6. A party’s failure to enforce any right or provision of this Agreement will not be considered a waiver of such right.

14.7. The parties are independent contractors. This Agreement does not create a partnership, joint venture, or agency relationship.

15. CONTACT INFORMATION

If You have any questions about these Terms, please contact Us at support@merchanto.org.