Merchant & Payments Terms

Last updated: 12 August 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.
• "Payment Account" — the account we create and maintain for you with the Payment Processor, through which your sales are collected and your payouts are made. You do not hold it with the Payment Processor directly; we do so for your benefit.
• "Negative Balance" — any shortfall on your Payment Account, however it arises, where the amounts charged against it (refunds, chargebacks and their fees, reversals, fines, assessments, or Platform Fees) exceed the funds held in it.
• "Loss" — any amount the Payment Processor debits from us, or that we otherwise bear, arising from your Payment Account, your transactions, your products or services, or your End Customers.

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.

By accepting these Terms you also accept the Stripe Connected Account Agreement, which includes the Stripe Services Agreement. Your Payment Account is opened under that agreement. We present it to you here, once, so that you are not asked to accept it a second time during onboarding; accepting these Terms is your acceptance of it, and we record the date, time, and network address of that acceptance and pass them to the Payment Processor on your behalf. You may read it at any time at the link above, and it prevails over these Terms to the extent the two conflict on the operation of your Payment Account.

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.

When we hold funds, and for how long. We use reserves and payout delays narrowly, and only where one of the following applies: your store is newly opened and has not yet built a settled trading history; your rate of chargebacks or refunds exceeds the thresholds we publish; a specific transaction or pattern of transactions is under review for fraud or abuse; you have an unpaid Negative Balance; or the Payment Processor or a card network requires it. A reserve is released as soon as the reason for it has passed, and in any event no later than ninety (90) days after your last transaction, less any amount then owed to us under section 7. Where we impose a reserve, hold, delay, or limit, we will tell you, tell you why, and tell you what ends it.

7. Refunds, chargebacks, and Negative Balance

You are responsible for your own refund policy and for handling refunds, chargebacks, and disputes, including any fees and the disputed amounts.

A Negative Balance is money you owe us. If your Payment Account goes into a Negative Balance, or if we bear a Loss, that amount is a debt you owe Irradiation. It is due on our notice and payable within three (3) business days. This obligation stands whether or not we hold any funds of yours at the time, and whether or not your store is still open.

How we recover it. We may recover a Negative Balance or a Loss by any of the following, in any order: setting off against funds we hold for you; withholding and applying your future payouts, in whole or in part, until the amount is cleared; charging the payment method you have on file with us; instructing the Payment Processor to debit the bank account on your Payment Account; or claiming the amount from you directly. You authorize each of these, and you authorize us to keep a payment method on file for this purpose and to charge it without further authorization for amounts owed under this section.

If we pay it for you. Where we satisfy a Loss caused by you — to the Payment Processor, a card network, or an End Customer — we take over your rights in respect of it, and may pursue them in your place or in our own name.

This obligation stands on its own. It is not subject to, and is not limited by, the liability cap in the Terms of Service, which limits our liability to you and not yours to us. It survives suspension, termination, and the closure of your store, and remains enforceable until the amount is paid.

8. Disputes: we defend them, you keep the record straight

When an End Customer disputes a charge, the dispute is raised against the Payment Account we maintain for you. We will defend it on your behalf using the record held in your store — order details, delivery and tracking information, your published policies, and the correspondence with that customer. You authorize us to do so, and to disclose that information to the Payment Processor and the card networks for that purpose. You do not need to do anything for us to act.

What we need from you is accuracy, not effort. Keep fulfilment, tracking, and delivery information in your store current, and answer us promptly if we ask for something only you can provide. A dispute we cannot document is a dispute we lose, and the amount then falls to you under section 7.

9. 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).

You must not, in addition: take payment for goods or services you do not intend to supply, cannot supply, or do not supply within the time you advertise; process a payment through your own store using a payment method belonging to you or to anyone acting with you; process sales on behalf of any business other than your own, or otherwise lend your store to a third party; or split, disguise, or mis-describe a transaction so that it appears to be something it is not. Any of these is a material breach and may lead to immediate suspension under section 13.

10. 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.

11. 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.

12. 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.

13. 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, and your obligations under section 7 survive in full. The Activity Record survives termination for the period stated in section 12.

14. 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, and to reimburse us for any Loss we bear that arises from them. Our liability is subject to the limitations and the liability cap in the Terms of Service; your obligations under section 7 are not.

15. Carriage services

15.1 Definitions. In this section: "Carrier" means the third-party transportation provider that performs the carriage of a Shipment; "Carriage Services" means the transportation and ancillary services performed by a Carrier; "Label" means shipping documentation issued by or on behalf of a Carrier and purchased through the Merchant Services; "Shipment" means goods tendered to a Carrier under a Label; and "Claim" means any claim in respect of loss of, damage to, delay in, or misdelivery of a Shipment.

15.2 Our capacity. Where you purchase a Label through the Merchant Services, we act solely as your disclosed agent for the limited purpose of procuring that Label from the Carrier. We are not a carrier, common carrier, contract carrier, freight forwarder or indirect air carrier; we perform no Carriage Services; and we do not at any time take custody, possession or control of any Shipment.

15.3 The contract of carriage is between you and the Carrier. Each Label forms a contract of carriage between you and the Carrier identified to you at the time of purchase, governed by that Carrier's terms and conditions of carriage, tariffs and service guides in force at that time, together with any mandatory convention or law applicable to the movement. By purchasing a Label you represent that you have had the opportunity to review those terms, you accept them, and you authorize us to accept them on your behalf as your agent.

15.4 Your obligations. You are solely responsible for: (a) the accuracy and completeness of all information supplied in respect of a Shipment, including the consignee's address, weight, dimensions, declared value, description of contents, and any customs, export-control or dangerous-goods declaration; (b) ensuring that the contents are not prohibited or restricted by the Carrier, by applicable law, or in any jurisdiction through which the Shipment moves; (c) packing and marking the Shipment adequately for the service purchased; and (d) tendering the Shipment to the Carrier within the validity period of the Label.

15.5 Allocation of risk. Risk of loss of, damage to, delay in and misdelivery of a Shipment lies as between you and the Carrier in accordance with the contract of carriage, and does not lie with us. We make no representation and give no warranty, express or implied, as to transit times, delivery dates, service levels, or the acts or omissions of any Carrier.

15.6 Claims. You are the claimant under each contract of carriage. A Claim must be brought by you against the Carrier, in the form and within the time limits prescribed by that Carrier's terms and by applicable law; those periods are frequently short, and failure to observe them may extinguish the Claim. On request, and at no charge, we will provide you with the records we hold in respect of the Shipment, including the Label, the purchase record and the tracking history. We do not bring, fund, guarantee or indemnify any Claim, and we bear no liability in respect of a Claim that is time-barred, rejected or not pursued.

15.7 Limitation of liability. Our aggregate liability arising out of or in connection with any Label, Shipment or Carriage Services, whether in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed the amount you paid us for the Label to which the liability relates. We shall not be liable for loss of profit, loss of business, loss of goodwill, loss of anticipated savings, or for any indirect or consequential loss. Nothing in this section limits or excludes any liability that cannot lawfully be limited or excluded, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

15.8 Indemnity. You shall indemnify us and hold us harmless against any Loss we incur arising out of or in connection with: any inaccurate or incomplete information supplied by you in respect of a Shipment; any Shipment containing prohibited or restricted goods; any breach by you of a Carrier's terms; any adjustment, surcharge, duty, tax, penalty or fine assessed by a Carrier or by an authority in respect of a Shipment; and any claim brought by an End Customer or other third party in respect of a Shipment.

15.9 Charges and adjustments. The price displayed to you before purchase is the amount payable and comprises the Carrier's charge together with our stated margin. That amount is taken from the funds of the order being shipped at the time of purchase and is recorded in your activity record under section 12. If the available balance is insufficient, no Label is issued and no amount is taken; we do not extend credit for postage. Where a Carrier subsequently assesses an adjustment, surcharge, duty, penalty or other charge in respect of a Shipment, including in respect of a discrepancy between declared and actual weight, dimensions or contents, that amount is payable by you and may be recovered by the same means or under section 7.

15.10 Delivery relationship with End Customers. As between you and your End Customer you remain the seller under section 3, and you remain responsible for all communications and obligations concerning delivery, including enquiries as to the location of a Shipment, requests for redirection or redelivery, and any remedy owed in respect of a late, damaged or undelivered order. This applies whether or not the Label was purchased through the Merchant Services.

15.11 Survival. Sections 15.5 to 15.8 survive termination or expiry of these terms.

16. Communications services

16.1 Definitions. In this section: "Communications Provider" means the third-party telecommunications or communications-platform provider that carries a Communication; "Communications Services" means voice, messaging and related services made available to you through the Merchant Services; "Number" means a telephone number procured for your store through the Merchant Services; "Communication" means any call, message or other transmission sent to or from a Number; "Agent" means the automated assistant that answers or sends Communications on your behalf; and "Record" means any recording, transcript, summary or metadata of a Communication.

16.2 Our capacity. Where a Number is procured for your store, we act as your disclosed agent for the limited purpose of procuring and maintaining that Number and the associated Communications Services from the Communications Provider. We are not a telecommunications carrier, common carrier or interconnected voice service provider; we do not originate or terminate traffic on our own network; and the Number remains subject at all times to the terms, policies and acceptable-use rules of the Communications Provider and of the underlying carriers.

16.3 The line is yours. As between you and your End Customers, the Number identifies you. You are the party responsible for every Communication sent to or from it, for the conduct of the Agent operating on it, and for the content of what is said or sent. You may not lend, sublicense, resell or otherwise make the Number available to any third party, or use it on behalf of any business other than your own.

16.4 Consent. You must obtain, and be able to prove, every consent required by applicable law, carrier requirement or industry standard before a Communication is made, recorded, transcribed, monitored or stored. In particular:

(a) Recording and transcription. Communications on your Number are transcribed and summarized so that you can review them, and those Records are retained for the period stated in our Privacy Policy. Several jurisdictions require the consent of every party to a call before it may be recorded, transcribed or monitored. You are responsible for determining what is required where your End Customers are located and for ensuring it is obtained.

(b) Messaging. Before any message is sent to a recipient you must hold that recipient's prior express written consent, which must be freely given, informed, unambiguous and specific to the subject matter of the message. You must not buy, sell, rent, share or otherwise transfer consent, and consent obtained for one purpose does not extend to another.

(c) Proof. You must retain evidence of consent for as long as applicable law requires and produce it to us promptly on request, including where a Communications Provider or carrier requires it of us.

16.5 The Agent identifies itself. The Agent answers as an automated assistant and must not be represented as a human being. You must not configure, instruct or hold out the Agent so as to create a false identity, to impersonate any person or organization, or otherwise to mislead a recipient as to who is calling or messaging or on whose behalf.

16.6 Opt-out. Where messaging is used, every recipient must be able to stop receiving messages in a single step, using the standard opt-out keywords. An opt-out must be honored immediately; a single confirmation message may follow, and no further message may be sent to that recipient for that subject matter unless a fresh consent is obtained.

16.7 Prohibited uses. In addition to section 9 and our Acceptable Use Policy, you must not use a Number or the Communications Services for: unsolicited or bulk Communications; spreading similar Communications across multiple numbers to evade filtering; deceptive, fraudulent or phishing content, including simulated phishing; content prohibited by a carrier or by applicable law; or any purpose that would breach the acceptable-use rules of the Communications Provider. These rules bind us as well as you: a breach by you is treated by the Communications Provider as a breach by us.

16.8 Suspension of a Number. We may suspend or withdraw a Number immediately and without notice where we reasonably believe it is being used in breach of this section, where a Communications Provider, carrier or regulator requires it, or where continued use exposes us to legal, financial or reputational risk. Where circumstances allow we will tell you why and what is required to restore service. This is in addition to section 13.

16.9 Charges. The monthly charge for a Number and the per-minute charge for Communications are those displayed to you before you enable the Number, and are taken from your credit balance and recorded in your activity record under section 12. If your balance is insufficient, the Number stops answering rather than incurring debt; if the shortfall persists, the Number may be released and you may not be able to recover the same one.

16.10 Indemnity. You shall indemnify us and hold us harmless against any Loss we incur arising out of or in connection with: any Communication sent to or from your Number; any absence or insufficiency of consent under section 16.4; any breach by you of a Communications Provider's or carrier's terms; any fine, penalty, assessment or surcharge levied on us in respect of your Number; and any claim brought by an End Customer, a recipient, a carrier or a regulator in respect of your use of the Communications Services.

16.11 Survival. Sections 16.4, 16.7 and 16.10 survive termination or expiry of these terms.

17. 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.