IrradiationLegal

Merchant & Payments Terms

Last updated: 25 July 2026

These Merchant & Payments Terms apply when you use Irradiation AI, operated by TITAN PRIME CORP ("Irradiation," "we," or "us"), to sell goods or services or otherwise accept payments from your customers through the apps, sites, or stores you operate ("Merchant Services"). They are part of, and incorporated into, our Terms of Service. If there is a conflict between these terms and the Terms of Service regarding the Merchant Services, these terms control.

Capitalized terms not defined here have the meaning given in the Terms of Service.

1. Definitions

  • "Merchant" (or "you") — a user who uses the Merchant Services to accept payments.
  • "End Customer" — your customer who buys from your app, site, or store.
  • "Payment Processor" — our third-party payment infrastructure (currently Stripe and Stripe Connect).
  • "Platform Fee" — fees we (or our payment partners) charge on your transactions.

2. Eligibility and onboarding

The Merchant Services may require a qualifying paid plan. To accept payments, you must create and maintain a connected payment account, complete all required onboarding, identity, and business verification (KYC), and comply with the Payment Processor's terms and the applicable card-network rules. We may decline, suspend, or revoke access if onboarding is incomplete or verification fails.

3. You are the merchant of record

You are the merchant of record and the seller for your transactions. You are solely responsible for your products and services, descriptions and pricing, fulfillment and delivery, customer service, returns, refunds, chargebacks, and disputes, and all applicable consumer-protection, advertising, product-safety, tax, and regulatory obligations. We are not the seller, a bank, a money transmitter, or a party to the contract between you and your End Customers.

4. Payment processing

Payments are processed by the Payment Processor. By using the Merchant Services, you authorize us and the Payment Processor to process transactions, fees, refunds, and adjustments. We provide technology and facilitate payments; funds from your sales settle to you through the Payment Processor, net of disclosed fees. We do not take title to your goods or services.

5. Fees

We (or our payment partners) may charge platform, processing, and related fees, disclosed before you enable the relevant feature and deducted from amounts processed. We will give at least 30 days' advance notice before any increase to those fees, and an increase applies only to transactions occurring after it takes effect.

6. Payouts, reserves, and risk

Payouts are made through the Payment Processor once you complete onboarding; we are not responsible for delays, holds, or failures by the Payment Processor. We (or our payment partners) may, where reasonably necessary to manage risk, comply with law, or address suspected fraud or abuse, impose reserves, holds, delays, or limits on funds, or decline, suspend, or reverse transactions.

7. Refunds and chargebacks

You are responsible for your own refund policy and for handling refunds, chargebacks, and disputes, including any fees and the disputed amounts. We may debit, set off, or reverse amounts (including the corresponding Platform Fee and any payout) to recover refunds, chargebacks, fees, fines, or other amounts you owe, or hold funds to cover anticipated liabilities.

8. Prohibited and restricted activities

Your use of the Merchant Services is subject to our Acceptable Use Policy and the restricted-business and licensing rules in the Terms of Service, and to any further restrictions of the Payment Processor and card networks. You must hold all licenses required for your activity and provide proof on request (see the Terms of Service).

9. Taxes

You are solely responsible for determining, collecting, reporting, and remitting all taxes arising from your sales, except where applicable law requires us to collect and remit marketplace-facilitator or similar transaction taxes, in which case we may do so. Stated fees may exclude taxes.

10. End-Customer data

As between you and us, you are the controller of End-Customer data, and we act as your processor, as set out in our Data Processing Addendum. You are responsible for the lawful basis, notices, and consents for that data, and for providing your own legally adequate terms and privacy notice to your End Customers.

11. Activity record

We keep a sealed, tamper-evident record of activity on the Merchant Services (the "Activity Record"). It is kept for seven (7) years from the date of each entry.

What it contains. Entries covering your use of the Merchant Services — account creation and sign-in, publishing and taking down a store, connecting a domain or a payment account, payments, refunds, chargebacks, invoices, and actions taken by the AI agents that operate on your behalf — together with the IP address and browser user agent used for your own actions. It also contains entries for the significant acts of your End Customers (account creation, orders, payments, refunds, returns, disputes, reviews, cookie-consent choices). Entries about End Customers identify them only by an irreversible reference; we do not keep their name, email, postal address, IP address, order contents, or the text of their messages in the Activity Record.

Why we keep it. To establish, exercise, or defend legal claims, to answer enquiries from payment processors and financial institutions, and to detect and prevent fraud and abuse. Our legal basis is our legitimate interest in the foregoing (GDPR art. 6(1)(f)).

Why it survives deletion. Because it is necessary for the establishment, exercise, or defence of legal claims, the Activity Record is retained notwithstanding a deletion or erasure request, as permitted by GDPR art. 17(3)(e) and equivalent laws. When you exercise a deletion right, we erase the information that links Activity Record entries to an identified person; the entries themselves remain, and can no longer be attributed to you by us or by anyone else. We seal a record of the deletion itself so that we can show it was carried out.

Its nature. Entries are append-only and chained cryptographically: an entry cannot be altered or removed without the record showing it. A fingerprint of the record is published each day to an external service, so that the record's state at a given date can be corroborated independently of us. You agree that the Activity Record may be produced as evidence in any dispute, arbitration, or proceeding between you and us, or in response to a lawful request. It is internal to us and not available for you to browse; you may request an extract of the entries concerning your own account by writing to legal@irradiation.ai.

12. Suspension and termination

We may suspend or terminate the Merchant Services as set out in the Terms of Service, including for non-payment, risk, legal reasons, or breach. On suspension or termination, your ability to accept payments may stop, and we may retain or delete your store and data in accordance with our standard practices and applicable law. Fees and liabilities accrued before termination remain payable. The Activity Record survives termination for the period stated in section 11.

13. Disclaimers, indemnity, and liability

The Merchant Services are provided "as is" and "as available," without warranties of any kind, to the fullest extent permitted by law. You agree to indemnify us as provided in the Terms of Service for your products and services, your transactions, your End Customers' claims, and your use of the Merchant Services. Our liability is subject to the limitations and the liability cap in the Terms of Service.

14. Changes and contact

We may update these terms from time to time; material changes take effect prospectively with notice where appropriate. Questions: legal@irradiation.ai — TITAN PRIME CORP (d/b/a Irradiation AI), 525 Randall Ave, Ste 100, Cheyenne, WY 82001, United States.