The terms
we operate under.

By creating a Merchant Line account, signing an order form, or using the platform on behalf of an operator, you agree to these Terms of Service (the “Terms”) on behalf of yourself and the entity you represent. If you don't have authority to bind that entity, don't accept these Terms.

These Terms together with any signed order form, our Privacy Policy, and any product-specific documentation make up the agreement between you and Merchant Line LLC (“Merchant Line,” “we,” “us”).

Merchant Line provides operator-facing software, a point-of-sale application, ticketing tools, a gate-scanning client, an operations dashboard, and integrations with payment processors and hardware vendors.

Payment acceptance is provided through Stripe. Your use of payment functionality is subject to the Stripe Connected Account Agreement and Stripe's terms, which we incorporate by reference. We are not a bank, money transmitter, or payment network.

We may add, remove, or modify features. We will not remove a major feature without 30 days notice to operators relying on it.

Operator accounts are issued by us after a human review. Operators may invite staff users and assign roles. Each user is responsible for the security of their credentials and must use multi-factor authentication where we offer it.

You must give us accurate information when you sign up, and you must keep it current — particularly your billing contact, business entity name, and tax details. We may suspend access if account information is materially inaccurate.

You are responsible for everything that happens under your account, including the actions of staff you invite.

As the operator, you are the merchant of record for sales made on Merchant Line. That means:

• You are responsible for the goods, services, and tickets you sell.
• You handle taxes, refunds, and customer disputes for your own sales.
• You comply with applicable laws — alcohol sales, age verification, ticket-resale rules, ADA accessibility, and consumer-protection statutes in the jurisdictions you operate in.
• You provide a clear refund and ticket-policy notice to your customers at the point of sale.
• You respond to customer privacy requests for the data you control.

We will help where we can, but we are the platform — not the merchant.

Subscription fees, per-transaction fees, and any hardware costs are set out in your order form. Unless your order form says otherwise:

• Subscription fees are billed monthly in advance and are non-refundable.
• Per-transaction fees are netted against settlement payouts from Stripe.
• All fees are exclusive of taxes; you are responsible for any sales, use, VAT, or similar taxes other than taxes on our income.
• Late payments accrue interest at 1.5% per month or the maximum allowed by law, whichever is lower.

Chargebacks & refunds. Chargebacks, refunds, and disputed transactions are deducted from your payouts. We may hold funds where required by law, by Stripe's rules, or where we have a reasonable risk concern, and we will tell you when we do.

Merchant Line runs on operator-owned hardware — typically iPad, Stripe Terminal, and ESC/POS-compatible printers. We may resell hardware as a convenience; resold hardware is sold on the manufacturer's warranty and is non-refundable once activated. Risk of loss passes to you on delivery.

You are responsible for keeping device operating systems supported and updating the Merchant Line app within 90 days of a release.

You may not use Merchant Line to:

• Sell goods or services that are illegal in the jurisdiction of the venue.
• Process card payments for businesses Stripe has classified as restricted or prohibited.
• Knowingly facilitate fraud, money laundering, or sanctions evasion.
• Reverse-engineer, scrape, or attempt to bypass authentication or rate limits.
• Resell access to the platform without a written reseller agreement.
• Send unsolicited marketing through our transactional email and SMS systems.

We may suspend or terminate access for serious or repeated violations. For minor or unintentional violations we will reach out first.

We own the Merchant Line software, brand, and documentation. You own your operator data — your catalogs, your customer lists, your transaction history. You grant us a limited license to host, process, and transmit your data as needed to provide the service.

Feedback you give us — bug reports, feature ideas, in-app comments — we may use freely without obligation. We will not name you in marketing without your consent.

Your subscription continues until you or we terminate it. You can cancel at any time from the dashboard or by emailing us; the cancellation takes effect at the end of the current billing period.

We may terminate immediately for a material breach (including non-payment after 14 days notice), for serious acceptable-use violations, or if continuing service would expose us to legal or processor risk. Otherwise, we will give 30 days notice.

On termination, we will make your data exportable for 30 days. After that, we delete it on the schedule in our Privacy Policy.

We work hard to keep the service reliable. Our published uptime and incident history are on the Security page. That said:

To the fullest extent permitted by law:

This cap doesn't apply to a party's indemnity obligations, breach of confidentiality, or amounts owed for the service.

You will defend and indemnify us against third-party claims arising out of (a) your goods, services, or tickets sold through the platform, (b) your violation of law, (c) disputes between you and your customers, and (d) your violation of these Terms.

We will defend and indemnify you against third-party claims that the Merchant Line software infringes a US patent, copyright, or trademark, subject to standard carve-outs (modified versions, combinations with non-Merchant Line products, and use after we have offered a non-infringing replacement).

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Any dispute will be brought exclusively in the state or federal courts located in Kings County, New York, and both parties consent to that jurisdiction.

Before filing a lawsuit, the parties agree to attempt to resolve disputes informally for 30 days, starting from a written notice describing the claim.

We may update these Terms. Material changes are posted here and emailed to operators at least 30 days before they take effect. If you keep using the service after a change is effective, you accept the updated Terms. If you don't, you can cancel before the effective date and we'll prorate any unused subscription fees.

Legal notices to Merchant Line should be sent to:

Merchant Line LLC
Attn: Legal
215 Moore St
Brooklyn, NY 11206
legal@merchantline.co

For everything else — questions, feedback, the kind of thing we like — write to hello@merchantline.co.