Terms of Service

Please read these terms carefully before using Merkora. They govern your rights and responsibilities as a user of the platform.

Effective date: March 12, 2026

Welcome to Merkora. These Terms of Service ("Terms") constitute a legally binding agreement between you and Merkora LLC, a company incorporated in Wyoming, USA ("Merkora", "we", "us", "our"), governing your access to and use of the Merkora platform available at merkora.app and any associated applications or services. By accessing or using Merkora, you confirm that you have read, understood, and agree to these Terms. These Terms apply to all users globally — practitioners who create accounts to offer services, and clients who book or purchase those services.

1. Acceptance of Terms

By creating an account or using Merkora, you agree to be bound by these Terms of Service. If you do not agree, do not use the platform.
These Terms apply to all users — including practitioners (creators) who publish services and clients who book or purchase them.
We may update these Terms from time to time. Continued use of Merkora after changes are posted constitutes acceptance of the revised Terms.

2. Description of Service

Merkora is a SaaS platform that enables practitioners — coaches, therapists, consultants, educators, and other professionals — to run their online practice from a single link.
The platform supports: bookable 1-on-1 sessions, live events and workshops, online courses, and digital product sales.
Merkora provides scheduling, payment processing infrastructure, client management, email notifications, live streaming, and a public creator page — all in one place.
Merkora is not a marketplace. Each creator operates their own independent page. Merkora provides the infrastructure; creators manage their own clients and content.

3. Eligibility & Account Registration

You must be at least 18 years old to create a creator account on Merkora. Clients booking services must be at least 16 years old or have parental consent.
You must provide accurate, complete, and current information when registering. You are responsible for keeping your account information up to date.
You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account.
You may not create an account on behalf of someone else without their explicit authorization. One person may not maintain multiple accounts.
We reserve the right to suspend or terminate accounts that violate these Terms or that we determine, in our sole discretion, to be harmful to the platform or other users.

4. Subscription Plans & Billing

Merkora offers four subscription tiers: Free, Starter ($39/mo), Growth ($79/mo), and Pro ($149/mo). Plan details, including feature limits and platform fees, are described on the Pricing page and may be updated with notice.
Paid subscriptions are billed monthly in advance. By subscribing, you authorize Merkora to charge your payment method on a recurring basis.
Platform fees are charged as a percentage of each transaction processed through your Merkora page, as specified in your plan. The Free plan carries a 10% platform fee; Starter carries 5%; Growth and Pro carry 0%.
You may upgrade or downgrade your plan at any time. Upgrades take effect immediately; downgrades take effect at the start of the next billing cycle.
Merkora does not offer refunds for subscription fees already paid, except where required by applicable law.

5. Payment Processing & Payouts

Merkora integrates with Stripe Connect for payment processing — this feature is currently being finalized and will be available soon. Once active, creators will connect their own Stripe account to receive client payments directly. Merkora never holds, processes, or stores your funds.
Payments made by clients will go directly to the creator's connected Stripe account, minus any applicable platform fee and standard Stripe processing fees.
Merkora is not responsible for payment disputes, chargebacks, or refund requests between creators and clients. Creators are solely responsible for honoring their stated cancellation and refund policies.
Creators are responsible for compliance with all applicable tax obligations arising from payments received through Merkora. Merkora does not provide tax advice.

6. Bookings, Cancellations & Wallet Credits

Creators may configure cancellation policies on their bookable services, including early, late, and no-show zones with defined credit or refund rules. These policies are visible to clients before booking and are binding once a booking is confirmed.
When a cancellation results in a wallet credit, that credit is stored in the client's Merkora wallet and is tied to the specific creator. Credits can be applied toward future bookings with the same creator.
Wallet credits have no cash value and cannot be transferred, withdrawn, or applied across different creators.
Merkora is not party to booking disputes between creators and clients. Where a good-faith resolution is not reached, you may contact us at [email protected] and we will attempt to assist in mediation. See our Refund & Cancellation Policy for full details.
Session packages allow clients to pre-purchase multiple sessions at a set price. Packages are configured by the creator and visible to clients before purchase.

7. Content & Intellectual Property

a) Creator Content

Creators retain full ownership of all content they upload to Merkora, including course materials, session descriptions, digital products, images, and videos.
By uploading content, you grant Merkora a non-exclusive, worldwide, royalty-free license to host, display, and deliver that content solely for the purpose of operating the platform.
You are solely responsible for ensuring your content does not infringe on third-party intellectual property rights, violate applicable laws, or breach any agreements you are party to.
Merkora may remove content that violates these Terms without prior notice.

b) Merkora Platform

The Merkora platform, including its design, code, branding, and features, is owned by Merkora and protected by intellectual property laws. You may not copy, modify, or reverse-engineer any part of the platform.
The Merkora name and logo are trademarks of Merkora. You may not use them without prior written permission.

8. Live Streaming & Fair Use

Merkora includes built-in live streaming powered by third-party infrastructure. This feature is included in Starter, Growth, and Pro plans subject to the participant limits described on the Pricing page.
Live streaming is provided under a fair use policy. Merkora reserves the right to contact users whose streaming usage significantly exceeds typical practice use and to apply reasonable limits or additional charges in such cases.
Merkora is not liable for interruptions, latency, or quality issues in live streaming sessions. Creators are encouraged to test their setup before hosting paid events.

9. Prohibited Uses

You may not use Merkora to offer, promote, or sell services that are illegal, fraudulent, harmful, or violate the rights of others.
You may not upload content that infringes copyright, contains malware, is sexually explicit, promotes violence, or constitutes harassment or hate speech.
You may not attempt to circumvent platform fees, manipulate booking or payment systems, or engage in any activity that disrupts the platform's integrity.
You may not use automated tools, bots, or scraping to access or extract data from Merkora without explicit written permission.
Violations may result in immediate account suspension or termination and, where applicable, referral to law enforcement.

10. Termination

You may close your Merkora account at any time from your account settings. Upon closure, your public creator page will be deactivated and your content will no longer be accessible to clients.
Merkora may suspend or terminate your account at any time for violation of these Terms, extended inactivity, or for any other reason at our discretion, with or without notice.
Upon termination, any outstanding wallet credits held by clients for your services will be voided. You remain responsible for honoring confirmed bookings at the time of termination.

11. Limitation of Liability

Merkora is provided "as is" without warranties of any kind, express or implied. We do not guarantee uninterrupted access, error-free operation, or that the platform will meet your specific requirements.
Merkora is not liable for any indirect, incidental, special, or consequential damages arising from your use of the platform, including lost revenue, lost clients, or data loss.
Merkora is not a party to agreements between creators and clients. We are not liable for the quality, safety, legality, or outcomes of any services offered through the platform.
Our total liability to you for any claim arising from use of Merkora shall not exceed the amount you paid to Merkora in the three months preceding the claim.

12. Governing Law

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict of law provisions. Merkora is operated by Merkora LLC, a company incorporated in Wyoming, USA.
Any disputes arising from these Terms or your use of Merkora shall be subject to the exclusive jurisdiction of the courts of Wyoming, USA, except where mandatory local laws of your jurisdiction apply.
Where mandatory local laws apply — including EU and UK consumer protection laws and the GDPR for EEA and UK residents — those laws take precedence over this clause to the extent required. EEA and UK users retain all rights under applicable data protection and consumer protection legislation.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

13. Contact Us

If you have questions about these Terms, please contact us:

[email protected]

merkora.app