Terms of Service

These Terms of Service ("Terms") form a binding legal agreement between you (the "Merchant", "Customer", "you", or "your") and:

Mint Technology Ltd, a company incorporated in England and Wales with company number 16229672, whose registered office is at 288 Bishopsgate, London EC2M 4QP, United Kingdom ("Mint", "we", "us", or "our").

Mint is registered with the UK Information Commissioner's Office under registration number ZB872041.

By creating an account, accessing the dashboard, integrating the APIs/SDKs, processing a transaction, or otherwise using any part of the Services (defined below), you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Cookie Notice, our Acceptable Use Policy (Schedule 1), and any other policies or schedules referenced in these Terms (together, the "Agreement"). If you do not agree, you must not use the Services.

If you are accepting these Terms on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity, and "Merchant" refers to that entity.

1. Definitions

In this Agreement:

• "Acquirer" means a bank or payment institution licensed by a Card Scheme to acquire Card Transactions.

• "Applicable Law" means all laws, statutes, regulations, regulatory guidance, court orders, and Card Scheme Rules applicable to a party or to the Services.

• "Card Scheme" means Visa, Mastercard, American Express, Discover/Diners, JCB, UnionPay, and any other card network supported by Mint.

• "Card Scheme Rules" means the operating regulations, rules, bulletins, and standards (including PCI DSS) issued by each Card Scheme.

• "Chargeback" means a Payer's reversal of a Card Transaction processed through a Card Scheme dispute mechanism.

• "Crypto Transaction" means a payment in supported cryptocurrencies or stablecoins processed through Mint's non‑custodial crypto rails.

• "Customer Data" means data relating to you and your Payers that you submit to, or is generated by, the Services.

• "Documentation" means the technical and operational documentation made available by Mint at developer.getmint.money (or such other URL as Mint notifies).

• "Fees" means the fees and charges set out in your Order Form, the Pricing Schedule, or in‑dashboard pricing pages.

• "KYB / KYC" means know‑your‑business and know‑your‑customer checks Mint is required to perform under Applicable Law.

• "Order Form" means the commercial order form, online sign‑up page, or quote signed or accepted by you and Mint.

• "Payer" means an end‑user, customer, or counterparty making or receiving a payment to or from a Merchant via the Services.

• "Payout" means the transfer of settled funds from Mint (or its settlement partner) to the Merchant's nominated bank account or wallet address.

• "Reserve" means a sum withheld by Mint as security for actual or anticipated liabilities (Chargebacks, refunds, fines, fees, claims).

• "Restricted Activities" means the categories listed in Schedule 1 (Acceptable Use Policy).

• "Services" means the Mint payment platform, including the website, dashboard, sandbox, APIs, SDKs, plugins, webhooks, no‑code tools, and any related professional services.

• "Transaction" means any payment processed via the Services, including Card Transactions, wallet transactions (e.g. Apple Pay, Google Pay), bank transfers, and Crypto Transactions.

2. Eligibility and account registration

2.1 To use the Services as a Merchant, you must be a legal entity (or, where Mint expressly permits, a sole trader) lawfully established, with all licences and registrations required to carry on your business in each jurisdiction in which you operate.

2.2 Sign‑up requires that you complete KYB onboarding to Mint's satisfaction. You agree to provide, and procure that your directors, ultimate beneficial owners (≥ 25%), authorised signatories, and authorised users provide, accurate, current, and complete information and documentation, including identity documents, ownership structure, source of funds/wealth, financial statements, sample transaction flows, and website/URL evidence.

2.3 Mint may refuse, suspend, or terminate onboarding or any account at its sole discretion, including where required by Applicable Law, Card Scheme Rules, or our risk policies, without giving reasons where prohibited (e.g. tipping‑off rules under the Proceeds of Crime Act 2002).

2.4 You are responsible for maintaining the confidentiality of your credentials, API keys, secrets, and webhook signing keys. You must enable multi‑factor authentication where offered, and notify Mint immediately at [security@getmint.money — INSERT] of any suspected unauthorised access. You are liable for all activity that occurs under your account until you give us notice and we have had a reasonable opportunity to act.

2.5 You must keep your account information accurate and up to date, and re‑verify on request (periodic refresh KYB, change of control, change of business activity, change of bank account or settlement wallet, etc.). 

3. The Services

3.1 General. Mint provides a technology platform enabling Merchants to accept Transactions via cards, digital wallets, bank methods, and supported cryptocurrencies, together with related fraud, dispute, reporting, and reconciliation features. Available payment methods, currencies, settlement timelines, and geographies depend on your risk profile, the Merchant's industry, your jurisdiction, and our partners' rules; they may change from time to time.

3.2 Non‑custodial crypto. For Crypto Transactions, Mint operates on a non‑custodial basis: Mint does not take title to or custody of Merchant or Payer crypto assets, and does not act as a virtual asset service provider in respect of custody. Settlement may, however, involve regulated partners that convert crypto to fiat at your election; in that case, the partner's terms apply to the conversion and to onward fiat settlement.

3.3 Marketing statements. Statements on getmint.money (e.g. "ZERO processing fees," "ZERO fraud," "INSTANT settlement," "Full chargeback protection," "KYB approval in minutes") describe Mint's product objectives and standard configurations. Actual fees, settlement times, fraud outcomes, chargeback handling, and onboarding times are governed by your Order Form, this Agreement, Card Scheme Rules, and your risk profile. Where this Agreement conflicts with a marketing statement, this Agreement prevails.

3.4 Acquirers, banks, schemes. Card and bank methods are provided in conjunction with regulated Acquirers, banks, and payment institutions. By using those methods, you agree to comply with the relevant Card Scheme Rules and to enter into any required acquirer or scheme‑facing agreements (which Mint may sign on your behalf where you authorise us to do so).

3.5 No advice. Mint does not provide legal, regulatory, tax, accounting, or investment advice. You are responsible for your own compliance, including tax reporting on Transactions and any virtual asset reporting obligations.

3.6 Changes to the Services. Mint may add, modify, deprecate, or remove features at any time. For material changes that adversely affect your use, we will give you reasonable prior notice (typically 30 days) via the dashboard, email, or Documentation.

3.7 Beta / sandbox. Beta features and the sandbox environment are provided "as is" without warranties, may produce inaccurate results, and must not be used to process live or production data unless Mint expressly states otherwise.

4. Integration and Merchant obligations

4.1 You will:

(a) integrate the Services in accordance with the Documentation, including security, branding, disclosure, and consent requirements;
(b) display accurate, clear, and prominent information at checkout (price, currency, descriptor, refund and return policy, contact details, complaints process, and where required, your legal name and registered address);
(c) maintain, on your website and at checkout, a privacy notice, terms of sale, and (where applicable) age verification compliant with Applicable Law;
(d) implement and maintain reasonable security measures, including PCI DSS compliance where applicable to your environment, secure storage of API keys, rotation of credentials, and immediate revocation on staff changes;
(e) keep accurate records of Transactions, refunds, disputes, and customer correspondence for at least the period required by Applicable Law (in the UK, generally 6 years; for AML‑relevant data, at least 5 years under MLR 2017 reg. 40, up to 10);
(f) cooperate with Mint, Acquirers, Card Schemes, regulators, and law enforcement in connection with any investigation, audit, or dispute;
(g) only submit Transactions for bona fide sales of your own goods or services (no aggregation or factoring on behalf of third parties unless Mint expressly approves you as an aggregator/marketplace and additional terms apply); and
(h) comply with Schedule 1 (Acceptable Use Policy) at all times.

4.2 You will not:

(a) misrepresent your business, ownership, products, or Transactions, or use a misleading descriptor, MCC, or website;
(b) process Transactions for any Restricted Activity (Schedule 1) or for any business not approved during onboarding without first obtaining Mint's written consent;
(c) submit a Transaction that you know or should reasonably know is fraudulent, unauthorised, illegal, or in breach of Card Scheme Rules;
(d) split a single sale into multiple Transactions, or process a Transaction that is not the result of an arm's‑length sale;
(e) impose a surcharge or minimum/maximum amount on Payers in breach of Applicable Law (including the UK Consumer Rights (Payment Surcharges) Regulations 2012, as amended) or Card Scheme Rules;
(f) use the Services to test stolen card numbers (carding), launder funds, evade sanctions, or finance terrorism or proliferation;
(g) reverse engineer, decompile, or attempt to derive source code from the Services, except to the extent permitted by Applicable Law that cannot be excluded; or
(h) interfere with the integrity, security, or performance of the Services, including by stress testing, scraping, or circumventing rate limits without our written consent.

5. Funds flow, settlement, and Reserves

5.1 Settlement currency and timing. Settlement currencies, settlement frequency (e.g. T+0, T+1, weekly), and minimum payout thresholds are set out in your Order Form or dashboard, and may be adjusted by Mint based on risk, scheme requirements, partner availability, and operational considerations.

5.2 Holding of funds. Where Mint or its settlement partners hold fiat funds pending Payout, those funds are held in accordance with Applicable Law (including, where applicable, FCA safeguarding rules under the Payment Services Regulations 2017 or the Electronic Money Regulations 2011, as operated by the relevant licensed partner). Mint does not pay interest on funds held pending settlement unless agreed in writing.

5.3 Non‑custodial crypto settlement. For Crypto Transactions, funds move directly to the Merchant's nominated wallet or to a settlement partner per the configured flow. Once a Crypto Transaction is broadcast or confirmed on the relevant blockchain, it is generally irreversible; Mint cannot reverse or recall a confirmed on‑chain transaction. You are solely responsible for the accuracy of your wallet addresses; mis‑sent funds may be unrecoverable.

5.4 Set‑off. Mint may withhold, set‑off, debit, or recover from any Payout, Reserve, or other funds owed to you any amount you owe to Mint or any partner, including Fees, Chargebacks, refunds, fines, claims, taxes, and indemnities.

5.5 Reserves. Mint may, at its reasonable discretion based on risk, scheme requirements, or partner directions, establish a Reserve by withholding a percentage or fixed amount of your Payouts, or by requiring a separate deposit. Mint will give you reasonable notice of a Reserve, the basis for it, and the conditions for release, except where notice is prohibited (e.g. under POCA 2002 or sanctions law).

5.6 Negative balance. If your account balance becomes negative (for example, due to Chargebacks, refunds, or fines), you must pay the shortfall on demand. Mint may debit any account, card, or wallet on file to recover the shortfall, and you authorise such debits.

5.7 Dormant accounts. Mint may apply a dormancy fee or escheat funds to the appropriate authority where required by Applicable Law if you do not access your account or claim a Payout for an extended period (typically 12 months or longer). 

6. Refunds, returns, and Chargebacks

6.1 Refunds. You are responsible for setting and disclosing your refund/return policy and for issuing refunds via the Services. Refunds can normally only be issued back to the original payment method. Once submitted, a refund cannot be cancelled.

6.2 Chargebacks. You are responsible for all Chargebacks on your Transactions, including the Transaction amount, Chargeback fees, scheme fees, and any related fines or assessments. Mint may, at its option, dispute a Chargeback on your behalf using evidence you provide; Mint does not guarantee any outcome unless a separate Chargeback Protection product has been purchased and is in force, in which case the terms of that product apply (including caps, exclusions, eligibility, and claims process). "Full chargeback protection" referenced in marketing is subject to those product terms.

6.3 Excessive disputes. If your dispute, fraud, or refund ratios exceed Card Scheme or Mint thresholds (including Visa VAMP/VDMP and Mastercard ECP), you may be placed in a remediation program, subject to higher Fees, fines, Reserves, suspension, or termination. You will pay all scheme fines and assessments resulting from your activity.

6.4 Crypto reversals. Confirmed on‑chain Crypto Transactions are generally irreversible. You are responsible for handling customer refunds for Crypto Transactions through your own customer service process, by sending crypto back to the Payer's originating wallet or by another agreed method.

7. Fees and taxes

7.1 Fees. You will pay the Fees set out in your Order Form, Pricing Schedule, or dashboard. Unless stated otherwise, Fees are exclusive of VAT and other applicable taxes, which you will pay in addition.

7.2 Pass‑through. Mint may pass through, with reasonable notice, any increase in interchange, scheme fees, network assessments, or partner fees, and any new fees or fines imposed by Acquirers, Card Schemes, banks, blockchains (e.g. network/gas fees), or regulators.

7.3 Changes to Fees. Other pricing changes by Mint require 30 days' prior notice by email or via the dashboard. If you do not agree, your sole remedy is to terminate this Agreement (without penalty) before the change takes effect.

7.4 Taxes. You are solely responsible for determining, collecting, reporting, and remitting all taxes (including VAT/GST/sales tax, withholding tax, and any digital‑asset‑related tax) applicable to your business and your Transactions. Mint will collect VAT on its own Fees where required.

7.5 Invoicing and payment. Where Mint invoices you separately, payment is due within 14 days of the invoice date unless otherwise stated. Overdue amounts bear interest at 4% per annum above the Bank of England base rate from time to time, accruing daily, plus reasonable recovery costs, in line with the Late Payment of Commercial Debts (Interest) Act 1998.

8. KYB, AML, sanctions, and fraud monitoring

8.1 Mint is required to comply with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLR 2017), the Proceeds of Crime Act 2002, the Sanctions and Anti‑Money Laundering Act 2018, the Counter‑Terrorism Act 2008, the Financial Services and Markets Act 2000, and any equivalent laws and lists in jurisdictions where the Services are offered (including UN, UK OFSI, EU, OFAC, and other relevant sanctions regimes).

8.2 You will:

(a) provide all information and documentation Mint reasonably requests for initial and ongoing KYB/KYC, periodic refresh, enhanced due diligence ("EDD"), and source‑of‑funds/source‑of‑wealth checks;
(b) not be, and not transact with, any individual or entity that is subject to sanctions or located in a comprehensively sanctioned jurisdiction (currently including, without limitation, Iran, North Korea, Syria, Cuba, the Crimea region, and the non‑government‑controlled areas of Donetsk, Luhansk, Kherson, and Zaporizhzhia; the list may change);
(c) notify Mint promptly (within 5 business days) of any material change to your ownership, control, business activities, regulatory status, or financial condition; and
(d) cooperate with Mint's transaction monitoring and information requests.

8.3 Mint may, without liability and without notice where Applicable Law requires (e.g. tipping‑off prohibitions), freeze, hold, decline, return, reverse, or report any Transaction or account where Mint believes in good faith that doing so is required or appropriate for AML, CTF, sanctions, fraud, scheme‑rule, or other legal/regulatory reasons.

8.4 You authorise Mint to share information about you, your account, your Payers, and your Transactions with Acquirers, Card Schemes, banks, regulators, law enforcement, fraud‑prevention agencies, sanctions screening providers, blockchain analytics providers, and other partners, where reasonably necessary for the purposes of this Agreement and Applicable Law.

9. Data protection and security

9.1 Each party will comply with all Applicable Law relating to the protection of personal data, including the UK GDPR, the Data Protection Act 2018, and (where applicable) the EU GDPR and PECR.

9.2 For personal data processed by Mint on behalf of the Merchant (e.g. Payer data submitted via the Merchant's checkout for the purpose of executing a Transaction), Mint acts as a processor and the Merchant acts as a controller. For data Mint processes for its own purposes (e.g. KYB on the Merchant, AML/CTF, fraud prevention, regulatory reporting, product analytics), Mint acts as an independent controller.

9.3 Where Mint acts as a processor, the Data Processing Addendum (DPA) at getmint.money/dpa  (incorporating the UK International Data Transfer Agreement / Addendum and EU Standard Contractual Clauses as applicable) is incorporated into this Agreement by reference.

9.4 You warrant that you have all necessary lawful bases, notices, and (where required) consents to share Payer personal data with Mint and the Mint partners involved in your payment flows. Our processing is described in the Privacy Policy.

9.5 Each party will implement appropriate technical and organisational measures to protect personal data, and will notify the other without undue delay (and in any event within 48 hours of becoming aware) of any personal‑data breach affecting the other's data.

10. PCI DSS and security standards

10.1 Mint and its card processing partners maintain PCI DSS compliance at appropriate levels. Mint uses tokenisation and hosted fields so that, in most integrations, the Merchant does not receive, store, process, or transmit cardholder data (CHD).

10.2 You will:

(a) maintain PCI DSS compliance at the level required for your integration (typically SAQ A for fully redirected/hosted integrations, SAQ A‑EP for client‑side integrations, or higher for server‑to‑server flows);
(b) not store full card numbers, CVV2/CVC2/CID, or full magnetic‑stripe/EMV data on any system under your control;
(c) on request, provide evidence of PCI DSS compliance (Attestation of Compliance) and remediate any gaps within a reasonable period; and
(d) comply with Mint's security advisories, including credential rotation, library updates, and webhook signature verification.

11. Intellectual property

11.1 As between the parties, Mint and its licensors own all right, title, and interest in and to the Services, Documentation, APIs, SDKs, plugins, dashboards, brand, logos, and any improvements or derivatives thereof. No rights are granted except as expressly set out in this Agreement.

11.2 Subject to your compliance with the Agreement, Mint grants you a non‑exclusive, non‑transferable, non‑sublicensable, revocable, worldwide licence during the term to access and use the Services and Documentation solely for your internal business purpose of processing Transactions.

11.3 You grant Mint a non‑exclusive, royalty‑free, worldwide licence to use your name, logo, and trade marks to (a) provide the Services, (b) display you as a customer in customer lists and case studies (subject to your prior written approval for press releases and case studies), and (c) carry out any obligation under this Agreement.

11.4 Feedback. If you provide feedback or suggestions, you grant Mint a perpetual, irrevocable, royalty‑free licence to use it without restriction.

11.5 You retain all rights in your Customer Data. You grant Mint a worldwide, royalty‑free licence to process Customer Data as necessary to provide and improve the Services, comply with Applicable Law, and generate aggregated or anonymised data that does not identify you or any Payer.

12. Confidentiality

12.1 Each party (the "Receiving Party") will keep confidential, and use only for the purposes of this Agreement, any non‑public information disclosed by the other party (the "Disclosing Party") that is identified as confidential or that would reasonably be understood to be confidential, including pricing, technology, business plans, Customer Data, and security information.

12.2 The Receiving Party may disclose Confidential Information to its employees, contractors, advisers, Acquirers, banks, schemes, regulators, and law enforcement on a need‑to‑know basis, subject to equivalent confidentiality obligations or legal obligations of confidentiality.

12.3 This clause does not apply to information that is public through no fault of the Receiving Party, independently developed, or required to be disclosed by law (in which case the Receiving Party will, where lawful, give reasonable notice).

13. Warranties and disclaimers

13.1 Each party warrants that it has authority to enter into this Agreement and will comply with Applicable Law.

13.2 EXCEPT AS EXPRESSLY SET OUT IN THIS AGREEMENT, AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE". MINT EXCLUDES ALL OTHER WARRANTIES, CONDITIONS, AND REPRESENTATIONS, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON‑INFRINGEMENT.

13.3 Mint does not warrant that the Services will be uninterrupted, error‑free, or free from harmful components, that fraud or Chargebacks will be prevented in any specific case, that any specific Transaction will be authorised or settled, or that the blockchains, schemes, banks, or partners on which the Services rely will operate without disruption.

14. Indemnity

14.1 You will defend, indemnify, and hold harmless Mint and its affiliates, and their respective directors, officers, employees, and agents, from and against all claims, losses, damages, liabilities, fines, penalties, scheme assessments, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

(a) your breach of the Agreement, including Schedule 1;
(b) your products, services, or business, including any product liability, consumer, or regulatory claim;
(c) any Transaction submitted by you, including Chargebacks, refunds, fraud, illegality, or scheme fines;
(d) your breach of Applicable Law, including data protection, AML, sanctions, or tax laws;
(e) any claim that your Customer Data, trade marks, or content infringes third‑party rights; and
(f) any third‑party claim brought by a Payer or other counterparty in connection with your use of the Services.

14.2 Mint will defend, indemnify, and hold harmless the Merchant against any third‑party claim that the Services as provided by Mint and used in accordance with the Agreement infringe that third party's UK intellectual property rights. This indemnity does not apply where the claim arises from (a) your use of the Services in breach of the Agreement or Documentation, (b) modifications to the Services not made by Mint, (c) combination of the Services with items not supplied by Mint, or (d) Customer Data.

15. Limitation of liability

15.1 Nothing in this Agreement limits or excludes either party's liability for:

(a) death or personal injury caused by negligence;
(b) fraud or fraudulent misrepresentation;
(c) any liability that cannot lawfully be limited or excluded; or
(d) (in your case) amounts you owe Mint under clauses 5 (settlement/Reserves), 6 (refunds/Chargebacks), 7 (Fees/taxes), and 14 (indemnity), or breach of clauses 4.2 (prohibited uses), 8 (AML/sanctions), or 11 (IP).

15.2 Subject to clause 15.1, Mint's total aggregate liability arising out of or in connection with this Agreement, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, in any twelve‑month period is limited to the lower of:

(a) the total Fees actually paid by you to Mint under this Agreement in the twelve (12) months immediately preceding the event giving rise to the claim; and
(b) £100,000 (one hundred thousand pounds sterling).

15.3 Subject to clause 15.1, neither party will be liable for any:

(a) loss of profits, revenue, business, goodwill, or anticipated savings;
(b) loss or corruption of data (other than as required to meet that party's data‑protection obligations);
(c) loss arising from blockchain volatility, blockchain reorganisation, fork, validator/oracle failure, gas spike, or third‑party wallet/exchange failure;
(d) loss arising from action taken by an Acquirer, Card Scheme, bank, regulator, or law enforcement; or
(e) indirect, consequential, special, or punitive loss,

even if advised of the possibility of such loss.

15.4 The limitations in this clause 15 apply to the maximum extent permitted by Applicable Law and reflect a fair allocation of risk in light of the Fees payable.

16. Suspension and termination

16.1 Term. This Agreement begins on the date you accept it (or first use the Services) and continues until terminated in accordance with this clause.

16.2 Suspension by Mint. Mint may immediately suspend all or part of the Services, withhold Payouts, and/or freeze your account where Mint reasonably believes that:

(a) you are in material breach of the Agreement or Schedule 1;
(b) your activity creates a risk of loss to Mint, an Acquirer, a Card Scheme, a Payer, or a third party (including elevated fraud, dispute, or refund ratios);
(c) suspension is required by an Acquirer, Card Scheme, partner, regulator, court, or Applicable Law;
(d) your account information is inaccurate, incomplete, or cannot be verified;
(e) there is reasonable suspicion of fraud, money laundering, terrorist financing, sanctions evasion, or other illegal activity;
(f) you become insolvent, enter administration, or undergo equivalent proceedings; or
(g) we are required to do so under POCA 2002, the MLR 2017, or sanctions law.

Where lawful, Mint will give you notice of the suspension and the steps required to lift it.

16.3 Termination for convenience. Either party may terminate this Agreement for convenience on 30 days' written notice.

16.4 Termination for cause. Either party may terminate immediately on written notice if the other (a) commits a material breach that is not remedied within 30 days of notice (or that is incapable of remedy), (b) becomes insolvent or ceases to carry on business, or (c) ceases to hold a licence necessary to perform.

16.5 Effect of termination. On termination:

(a) all licences granted to you cease, and you must stop using the Services and remove Mint code, branding, and assets from your properties;
(b) accrued rights, remedies, and obligations survive;
(c) Mint may continue to hold a Reserve for up to 180 days (or longer if required by an Acquirer, scheme, regulator, or risk profile, including residual chargeback exposure for "card not present" being up to 540 days) to cover Chargebacks, refunds, fines, and other liabilities; and
(d) the following clauses survive: 1, 5.4–5.7, 6, 7, 8, 9, 10.2, 11, 12, 13.2–13.3, 14, 15, 16.5, 17, 18, and 19. 

17. Compliance, audit, and records

17.1 Mint, Acquirers, Card Schemes, regulators, and authorised auditors may audit your compliance with this Agreement, Card Scheme Rules, PCI DSS, and Applicable Law on reasonable notice (or no notice where required). You will cooperate, including providing access to records, systems, and personnel, and will remediate findings within a reasonable period.

17.2 You will maintain records of Transactions, Payer communications, KYB documents, and AML files for the periods required by Applicable Law and Card Scheme Rules, and at least as long as Mint's retention periods set out in the Privacy Policy.

18. Force majeure

Neither party is liable for any failure or delay caused by an event beyond its reasonable control, including acts of God, war, terrorism, civil unrest, pandemic, government action, sanctions, strikes, power outages, internet, telecommunications, cloud‑provider, blockchain network, bank, or Card Scheme failures. The affected party will use reasonable efforts to mitigate, and the other party may terminate if the event continues for more than 60 days. 

19. General

19.1 Governing law. This Agreement and any non‑contractual obligations arising out of or in connection with it are governed by the laws of England and Wales.

19.2 Jurisdiction. The parties submit to the exclusive jurisdiction of the courts of England and Wales, save that Mint may bring proceedings in any jurisdiction to protect its intellectual property, recover sums owed, or enforce an order or award.

19.3 Notices. Legal notices to Mint must be sent to legal@getmint.money and by post to Mint Technology Ltd, 288 Bishopsgate, London EC2M 4QP, United Kingdom. Notices to you will be sent to the email and/or registered address on your account and are deemed received on the next business day after sending.

19.4 Assignment. You may not assign or transfer this Agreement without Mint's prior written consent. Mint may assign or transfer this Agreement to an affiliate or to a successor in connection with a merger, acquisition, reorganisation, or sale of assets.

19.5 Sub‑contracting. Mint may sub‑contract any of its obligations, but remains responsible for the performance of its sub‑contractors as if it had performed them itself.

19.6 Entire agreement. This Agreement (including all schedules and incorporated policies) is the entire agreement between the parties and supersedes all prior agreements, representations, and understandings. Each party acknowledges that it has not relied on any statement, representation, or warranty other than those expressly set out in this Agreement.

19.7 No partnership. Nothing in this Agreement creates a partnership, joint venture, employment, or agency relationship.

19.8 Third‑party rights. A person who is not a party to this Agreement has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms, except Mint's affiliates may enforce clauses 11, 12, 14, and 15.

19.9 Severance. If any provision of this Agreement is held invalid or unenforceable, the remainder will continue in full force, and the parties will replace the invalid provision with a valid one closest to the original intent.

19.10 No waiver. No failure or delay in exercising a right is a waiver of that right. A waiver of any breach is not a waiver of any other or subsequent breach.

19.11 Variation. Mint may amend these Terms by giving you at least 30 days' notice by email or via the dashboard. If you do not agree, your sole remedy is to terminate the Agreement before the changes take effect. Changes required to comply with Applicable Law, scheme rules, or to address a security or fraud risk may take effect immediately.

19.12 Language. The English language version of this Agreement is the controlling version. Any translation is provided for convenience only.

Schedule 1 — Acceptable Use Policy / Restricted Activities

You must not use the Services in connection with, or to facilitate, any of the following activities. Mint may update this list at any time:

Illegal activities

• Any activity that is unlawful in the jurisdiction of the Merchant, the Payer, or where the Services are provided.

• Sanctions‑evasion, money laundering, terrorist financing, proliferation financing, bribery and corruption.

• Sales to, from, or involving sanctioned individuals, entities, or jurisdictions (currently including, without limitation, Iran, North Korea, Syria, Cuba, the Crimea region, and the non‑government‑controlled areas of Donetsk, Luhansk, Kherson, and Zaporizhzhia).

• Human trafficking, modern slavery, child sexual abuse material, exploitation.

• Sale of stolen goods, counterfeits, or items infringing IP.

• Unlicensed financial services, unregistered securities offerings, Ponzi/pyramid schemes, high‑yield investment programs.

• Unlicensed gambling, lotteries, sweepstakes.

• Unlicensed pharmaceuticals, controlled substances, narcotics, and drug paraphernalia.

• Unregistered virtual asset service activities; mixers/tumblers; privacy coins where prohibited; chain‑hopping services aimed at obfuscation.

High‑risk activities requiring prior written approval

• Adult content and services (must be lawful, age‑verified, and consent‑based).

• Online and licensed gambling and gaming.

• Forex, CFDs, binary options, prediction markets.

• Nutraceuticals, CBD, regulated wellness products.

• Crypto exchanges, OTC desks, ATMs/kiosks, NFT marketplaces, DeFi front‑ends.

• Travel agencies, ticketing, marketplaces, multi‑level marketing.

• Firearms, ammunition, weapons, tobacco, vaping, alcohol delivery (subject to licensing).

• High‑volume subscription/continuity, "free trial" with negative option billing.

• Debt collection, credit repair, payday lending.

Always prohibited regardless of approval

• Card testing, "carding," BIN attack facilitation, refund abuse services.

• Misrepresentation of business, MCC, or website at onboarding or in checkout descriptors.

• Aggregation of third‑party Transactions without approved marketplace status.

• Use of the Services to threaten, harass, defame, or cause harm to others.

• Any activity Mint, an Acquirer, a Card Scheme, a bank, a regulator, or law enforcement instructs Mint to prohibit.

Breach of this Schedule 1 is a material breach and may result in immediate suspension or termination, withholding of funds, reporting to authorities, and recovery of all costs and fines.

Schedule 2 — Contacts

• General / sales: hello@getmint.money

• Support: support@getmint.money 

• Compliance / AML / sanctions: compliance@getmint.money

• Privacy / data protection: privacy@getmint.money

• Security incidents: security@getmint.money 

• Legal notices: legal@getmint.money 

• Registered office: Mint Technology Ltd, 288 Bishopsgate, London EC2M 4QP, United Kingdom

• Company number: 16229672 · ICO registration: ZB872041

Document control

• Owner: Mint Technology Ltd — Legal & Compliance

• Approver: Board of Directors

• Review cycle: at least annually, or on material change to law, scheme rules, or product

• Version: 1.0 — 5th June 2026