Legal
Everything that governs your use of Merlin, in plain language wherever the law allows it.
Terms of Service
v2.0 · 2026-06-11The contract between you and XRPAID LTD when you use Merlin.
Privacy Policy
v2.0 · 2026-06-11How we process personal data, under UK GDPR.
Cookie Policy
v1.0 · 2026-06-11The short version: only what sign-in strictly needs.
Acceptable Use Policy
v1.0 · 2026-06-11What you may not do with Merlin.
Refund & Cancellation Policy
v1.0 · 2026-06-11Your cancellation rights, including under the Consumer Contracts Regulations 2013.
Risk Disclaimer
v2.0 · 2026-06-11Trading is risky. Merlin analyses the past; it cannot predict the future.