Legal

Terms of Service

Tekmerion is non-custodial payment infrastructure. These Terms set out the relationship between Tekmerion and the merchants that use it. They describe what the system does, what it does not do, and where responsibility sits.

Effective 28 June 2026

Scope and acceptance

These Terms govern access to and use of Tekmerion ("the Service") by a business merchant ("Merchant", "you").

The Service is operated by Tekmerion ("the Operator").

The Service is provided for business use only. It is not offered to consumers, and end customers who pay a Merchant ("Payers") are not parties to these Terms.

By signing a Factory Authorisation or otherwise using the Service, the Merchant accepts these Terms. A Merchant that does not accept them must not use the Service.

Nature of the Service — no custody

Tekmerion is non-custodial payment infrastructure. It coordinates crypto payments and produces a verifiable Proof-of-Payment. It does not accept, hold, or settle funds.

Tekmerion never holds, controls, or has the authority to move Merchant or Payer funds at any point. Funds move directly, wallet to wallet, on-chain.

Tekmerion's on-chain role is limited to relaying Merchant-signed authorisations. It cannot initiate any movement of funds on its own authority.

Each payment receives a deterministic deposit address. The transfer is executed by a single-use proxy that acts strictly on Merchant-authorised parameters and then self-destructs. Tekmerion holds no key over any deposit address.

The blockchain is the source of truth for every payment outcome. Tekmerion normalises confirmed on-chain facts; it does not decide them.

No agency, no money transmission

Tekmerion acts solely as a technology and infrastructure provider. It is not the Merchant's agent, trustee, fiduciary, broker, or representative, and assumes none of those roles by providing the Service.

Tekmerion does not provide custody, money transmission, payment processing on behalf of clients, exchange, e-money, or transfer services for crypto-assets on behalf of clients. Nothing in the Service places client funds under Tekmerion's control or has Tekmerion execute transfers on a client's behalf.

Tekmerion does not provide legal, tax, accounting, regulatory, AML, or compliance advice.

Licence and intellectual property

The Service — its software, interfaces, and documentation — is operated by Tekmerion and remains its property. The smart contracts are open-source and publicly verifiable; the orchestration, checkout, indexer, and delivery infrastructure are proprietary.

While these Terms are in effect, Tekmerion grants the Merchant a limited, non-exclusive, non-transferable right to use the Service for its own business. The Merchant may not:

—copy, resell, sublicense, or provide the Service to third parties as its own;

—reverse-engineer or attempt to extract the proprietary infrastructure, except where the law expressly permits;

—use the Service to build a competing product, or remove any notice within it.

Eligibility and Merchant warranties

By using the Service, the Merchant represents and warrants, on a continuing basis, that:

—it is a lawfully constituted business and the individual accepting these Terms is authorised to bind it;

—it holds every licence, registration, and authorisation required for its activity in each jurisdiction it serves, including any gambling or gaming licence where applicable;

—it operates its own AML/CFT programme and performs its own customer due diligence (KYC) and transaction monitoring (KYT) to the extent its licence and applicable law require;

—it is not, and does not act for, any sanctioned person, and it does not serve prohibited jurisdictions;

—its use of the Service, and the underlying business it conducts, are lawful in every jurisdiction in which it operates.

Compliance responsibility

Tekmerion performs baseline sanctions screening and geographic checks on payment context. These are infrastructure baselines. They are not a compliance programme and do not replace the Merchant's own obligations.

The transaction-level decision — approve, reject, or hold — belongs solely to the Merchant, exercised through the KYT webhook. Tekmerion surfaces compliance signals; it does not make, and has no authority to make, the approval decision.

The Merchant is solely responsible for the compliance, lawfulness, and consequences of every decision it returns.

Keys, authorisation, and security

The Merchant is the sole holder of its signing keys. Tekmerion never holds them and cannot recover them.

The Merchant authorises Tekmerion to relay transactions strictly within the scope of its signed Factory Authorisation and the destination whitelist it signs. Tekmerion cannot route funds to any address outside that whitelist.

Loss, theft, or compromise of the Merchant's keys is the Merchant's responsibility. The destination whitelist limits, but does not eliminate, the exposure that follows from a compromised key.

The Merchant may revoke its on-chain authorisation at any time. Revocation stops all further relay for that Merchant.

Payments, settlement, and finality

Payment outcomes are determined exclusively by confirmed on-chain data. Tekmerion does not, and cannot, override or reinterpret a settled on-chain fact.

Crypto transactions are irreversible. Tekmerion does not provide chargebacks, dispute resolution, or refund arbitration.

A refund occurs only on a Merchant reject decision with a Merchant-supplied refund destination. Tekmerion does not refund on its own authority and does not collect refund addresses from Payers at checkout.

Settlement timing depends on the blockchain and on network conditions. Tekmerion does not guarantee confirmation times, finality windows, or freedom from reorganisations.

Assumption of risk

Public blockchains and crypto-assets carry inherent risk. By using the Service, the Merchant accepts that risk.

This includes the irreversibility of confirmed transactions, network congestion and reorganisation, volatility in asset value, defects in smart contracts or protocols, evolving and uncertain regulation, and the rapid, unpredictable change of the underlying technology.

The Merchant is responsible for assessing these risks and for the decisions it takes in light of them.

Fees

The protocol fee is collected on-chain, inside the settlement transaction, at a rate fixed per Factory deployment and shown to the Merchant at the time of authorisation.

The fee is charged on Merchant-decision outcomes that move funds — an approved sweep and a Merchant-reject refund. No fee is charged on sanctions-path resolutions.

There is no subscription, no monthly minimum, and no invoice. Fees are taken on-chain or not at all.

Network (gas) costs incurred to relay a transaction are part of the Service as described in the documentation and are not separately invoiced to the Merchant.

Taxes

The Merchant is responsible for determining, reporting, and paying any taxes arising from its use of the Service and from its own business. Tekmerion does not assess, collect, or remit taxes on the Merchant's behalf.

Prohibited use

The Merchant must not use the Service in connection with:

—any sanctioned person, entity, or jurisdiction;

—activity that the Merchant is not licensed to conduct where a licence is required;

—money laundering, terrorist financing, fraud, or evasion of sanctions;

—child sexual abuse material, or any content or activity that is illegal in the Merchant's or the Payer's jurisdiction;

—any attempt to direct, sweep, or route funds outside the Merchant's signed destination whitelist.

Operational stop and suspension

Tekmerion may cease relaying transactions for a Merchant (an operational stop) — for example, on a sanctions hit, suspected unlawful use, or breach of these Terms.

An operational stop halts relay only. It does not give Tekmerion custody or control over any funds. Funds remain on-chain and under the Merchant's control, and the Merchant may revoke its authorisation at any time.

Protocol fees already collected accrue to Tekmerion-owned contracts and are Tekmerion's property. They are not Merchant or Payer funds, and the Merchant has no claim, control, or signing authority over them.

Proof-of-Payment

For settled and duplicate-payment outcomes, Tekmerion generates a signed Proof-of-Payment derived from confirmed on-chain facts together with the recorded compliance metadata.

Proof-of-Payment is provided as an evidentiary record reflecting observed on-chain state. It is supplied as-is, and the Merchant is responsible for how it relies on it.

Service availability and third-party infrastructure

The Service is provided on an as-is and as-available basis. Tekmerion does not warrant uninterrupted or error-free operation.

The Service depends on third-party infrastructure — public blockchains, RPC providers, screening providers, and hosting — that Tekmerion does not control. Outages, latency, reorganisations, and provider failures may affect the Service.

The Merchant bears the inherent risks of public blockchains, including network risk, smart-contract risk, and the irreversibility of confirmed transactions.

Disclaimer of warranties

To the maximum extent permitted by applicable law, the Operator disclaims all warranties, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, and non-infringement.

No statement, document, or interface, including the documentation and any Proof-of-Payment, creates a warranty beyond what is expressly stated in these Terms.

Limitation of liability

To the maximum extent permitted by applicable law, the Operator is not liable for any indirect, incidental, special, consequential, or exemplary damages, or for loss of profits, revenue, data, or funds, arising out of or relating to the Service.

The Operator is not liable for loss arising from blockchain behaviour, network or reorganisation events, compromise or loss of the Merchant's keys, the Merchant's compliance decisions or failures, or the acts of the Merchant's Payers or counterparties.

Where liability cannot be excluded, the Operator's aggregate liability is limited to the total protocol fees collected from the Merchant in the three months preceding the event giving rise to the liability.

Indemnity

The Merchant will indemnify and hold the Operator harmless against claims, losses, liabilities, and costs arising out of the Merchant's use of the Service, its business, its compliance or licensing failures, its decisions returned through the KYT webhook, or the acts of its Payers.

Data and privacy

Tekmerion processes payment context and merchant configuration as needed to operate the Service. The handling of personal and operational data is described in the Privacy Policy, which forms part of these Terms.

Changes to these Terms

The Operator may update these Terms. Material changes will be made available at this page with an updated effective date. Continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.

Term and termination

Either party may stop using or providing the Service at any time. The Merchant's on-chain revocation of its authorisation ends Tekmerion's ability to relay on its behalf.

Sections concerning no-custody, disclaimers, limitation of liability, indemnity, and governing law survive termination.

Survival

The sections on no custody, no agency, compliance responsibility, assumption of risk, licence and intellectual property, taxes, disclaimer of warranties, limitation of liability, indemnity, and governing law survive termination of these Terms.

Force majeure

Tekmerion is not liable for any delay or failure to provide the Service caused by events beyond its reasonable control — including blockchain or network disruption, failure of third-party infrastructure or providers, power or connectivity outages, or acts of government.

General

If any provision of these Terms is held unenforceable, the remaining provisions stay in effect, and the unenforceable provision applies only to the extent the law allows.

These Terms are the entire agreement between the parties regarding the Service and replace any prior understanding on the same subject. A failure to enforce a provision is not a waiver of it.

The Merchant may not assign these Terms without Tekmerion's consent. Tekmerion may assign them in connection with a transfer of the Service. These Terms create no partnership or agency between the parties and no rights for any third party.

Governing law and disputes

These Terms are governed by the laws of Ukraine, without regard to conflict-of-law rules. The parties submit to the courts of that jurisdiction, unless an alternative dispute-resolution mechanism is agreed in writing.

Definitions

Service — Tekmerion non-custodial payment infrastructure.

Operator — the party operating the Service, as identified above.

Merchant — the business that uses the Service.

Payer — an end customer who pays a Merchant. Not a party to these Terms.

Factory Authorisation — the Merchant-signed authorisation that scopes what Tekmerion may relay, including the destination whitelist.

Destination whitelist — the set of Merchant-controlled addresses that are the only valid sweep or refund targets.

KYT webhook — the Merchant endpoint through which Tekmerion surfaces compliance signals and the Merchant returns its approve, reject, or hold decision.

Proof-of-Payment — a signed record derived from confirmed on-chain facts and recorded compliance metadata.

Contact

Notices and questions regarding these Terms: hello@tekmerion.xyz.