Terms of Service

1. What ATM is

Atmosphere Money, also called ATM, provides payment infrastructure for AT Protocol apps. ATM helps payers, creators, organizers, developers, and apps initiate payments, manage payment records, and verify payment outcomes on the open social web.

ATM is a software and payment-broker layer. ATM is not a bank, deposit account, stored-value account, money market account, investment product, or escrow service. Payment processing is provided by third-party payment processors, including Stripe, and future payment rails may be added under separate terms or product notices.

2. Accounts and identity

You sign in using an AT Protocol account. Your handle, DID, profile information, OAuth grants, and public records may be used to identify you across ATM-supported apps and payment surfaces.

You are responsible for keeping your AT Protocol account and any payment account credentials secure. If you use ATM for a business, app, event, project, or organization, you confirm that you are authorized to bind that entity to these terms.

3. Payment roles

You may use ATM as a payer, creator, organizer, app operator, or more than one of those roles. A payer sends money. A creator or organizer receives money. An app originates a checkout or payment flow. ATM processes the payment through supported rails and records payment status.

Different roles may require different onboarding. Payers can use ATM without completing payout onboarding. Creators, organizers, and external apps that receive funds may need to complete payment-account onboarding, identity verification, tax setup, or other requirements requested by ATM or its payment processors.

4. Stripe Connect and payment processing

For launch, ATM uses Stripe Connect for many payments. Where ATM uses direct charges, payments are processed on the recipient creator's or organizer's connected account, and ATM may collect an application fee. Stripe and the connected account may be responsible for payment processing, refunds, chargebacks, disputes, requirements collection, and fees according to the applicable Stripe terms and the connected account configuration.

ATM may provide embedded payment-account tools inside the ATM dashboard. Those tools are provided by Stripe or another processor and may require processor authentication or additional information.

5. App-originated payments

Apps can initiate ATM checkouts. If an app originates a payment, ATM may share app-scoped payment and order information with that app so the app can provide checkout, fulfillment, customer support, fraud/risk handling, refunds, reporting, webhooks, and proof-of-payment features.

App-scoped information may include payment status, amount, currency, payment type, payer handle or guest status, customer contact details needed for fulfillment, product or ticket references, app fee fields, refund or dispute status, and proof status. Apps do not receive unrestricted access to creators' or organizers' payment accounts, payout balances, KYC data, bank details, or payments that happened through other apps.

6. Fees, taxes, refunds, and disputes

ATM may collect an app fee or application fee configured for a payment flow. Independent apps may receive some or all of that app fee. ATM-owned apps may keep that app fee internally. Processor fees, taxes, chargeback fees, payout fees, and other costs may also apply.

Creators, organizers, and sellers are responsible for their own products, services, events, fulfillment, refunds, cancellations, tax obligations, and compliance with law unless ATM states otherwise in a specific product flow. ATM may help process refunds or cancellations, but ATM does not guarantee that every refund request can be completed.

Disputes and chargebacks may be handled through the payment processor. If a payment is refunded, disputed, reversed, or cancelled, ATM may update or invalidate related public proof records, private ledger records, tickets, entitlements, subscriptions, or webhook events.

7. Public AT Protocol records

Some ATM-related data is intentionally public on AT Protocol, including public catalog records, payment attestations, proof records, and public profile fields. Public protocol records may be copied, indexed, cached, and read by third parties outside ATM's control.

Do not put private information, passwords, payment card data, private messages, shipping details, tax IDs, legal identity documents, or other sensitive information into public AT Protocol records. ATM keeps processor identifiers and private buyer, fulfillment, and compliance data off public protocol records where ATM controls the data model.

8. Apps, products, tickets, and fulfillment

Apps may use ATM for products, subscriptions, tickets, discounts, app fees, and other payment flows. App-specific fulfillment data may stay with the app. Ticket inventory, holds, check-in records, attendee information, and private fulfillment details may be kept in ATM's private systems or the app's private systems rather than public protocol records.

ATM may suspend or disable checkout for a product, ticket, event, creator, organizer, app, or payer if ATM believes the flow is unsafe, unlawful, fraudulent, abusive, unsupported, or not ready to receive payments.

9. Prohibited activity

You may not use ATM for illegal activity, fraud, sanctions evasion, deceptive commerce, harassment, unauthorized access, payment manipulation, spam, malware, stolen payment methods, or any business or activity prohibited by ATM, Stripe, another processor, or applicable law.

ATM may rate-limit, review, suspend, remove, or block accounts, apps, checkouts, tickets, products, records, webhooks, or payment flows to protect users, connected accounts, apps, ATM, payment processors, and the AT Protocol ecosystem.

10. Availability and changes

ATM is early infrastructure. Features may change, break, be delayed, or be withdrawn. ATM may modify these terms, supported payment rails, fees, dashboard features, app contracts, lexicons, or checkout flows as the product develops.

If a change materially affects your rights or obligations, ATM will make reasonable efforts to provide notice through the site, dashboard, contact email, app communications, or another appropriate channel.

11. Disclaimers and limits

ATM is provided on an 'as is' and 'as available' basis to the fullest extent allowed by law. ATM does not promise uninterrupted service, error-free operation, payment approval, payout timing, app compatibility, or that public protocol data will always be complete or accepted by every app.

To the fullest extent allowed by law, ATM will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, failed payments, app outages, protocol indexing delays, or third-party processor issues.

12. Governing law and contact

The governing law, venue, arbitration, and consumer-law provisions for these terms should be finalized by counsel based on Atmosphere Money Inc.'s jurisdiction, launch geography, and customer base.

Questions about these terms can be sent through ATM's contact page.