Terms of use

By using the Rill website, dashboard, API, MCP (including guest), pay links, or by signing in, you agree to these Terms of use. The Privacy policy is part of this agreement.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.

These Terms are between you and lomi. Inc (we, us), the operator of Rill. Affiliates include lomi. Technologies Africa S.A. Affiliates may help operate or support Rill. They are not a second product contract.

Rill is software that lets companies accept agent payments and lets funded agents pay endpoints under a budget. Accept hosts pay links and settles through MPP and x402. Spend funds a wallet, sets a budget, and pays a URL. Handle transfers and POST /pay remain available as a background ledger. Features may change over time.

Rill is not a bank, not a marketplace, and not a consumer mall. You keep your product, your price, and your fulfillment. Wallet balances are prepaid credits for use of the Service. They are not bank deposits and are not insured. Stripe processes card top-ups and Connect payouts. Open-rail pays may settle in stablecoins on public networks.

Rill is a separate service from lomi.africa. Using Rill does not create a lomi.africa merchant agreement and does not give you lomi.africa collection rails. Rill card funding, Connect verification, and payouts go through Stripe.

You are responsible for keeping sign-in credentials, Accept keys, and wallet keys secret, and for all activity under those credentials, including automated spends by agents you authorize.

You must provide accurate account information and tell us promptly about unauthorized use. Revoke keys if they leak. You set allowances and optional host allowlists. An empty allowlist means the wallet may pay allowed HTTPS URLs under Service policy.

Using a wallet key, guest MCP, or a bootstrap registration tied to you binds you to these Terms for that activity. The person who owns or funds the account is responsible for agent actions taken with those keys.

Live and Test are separate money environments. Test is not real money. You must choose the environment. Do not treat Test receipts, balances, or payouts as live settlement.

You can add funds to a wallet through Stripe Checkout or the payment form we show. The minimum top-up is one U.S. dollar. Card processing fees may be added on checkout. The wallet is credited the face amount you chose.

Rill does not currently charge a platform fee (0 basis points). We may change this. The current rate is published in the Service, including GET /agent/capabilities. Transfers between wallets on Rill do not take a platform fee.

If you sell, you set the price and you fulfill the unlock in your own product. Receipts are re-verifiable. You should store used receipt_id values so a receipt cannot unlock twice.

Connect verification and payouts are provided by Stripe. Where you use Connect, you also agree to the Stripe Connected Account Agreement. Card chargebacks apply to wallet top-ups processed by Stripe, not to open-rail agent pays that have already settled.

Paying a URL is your instruction. Directory listings and probe status are not a promise that an endpoint is safe, current, or will unlock. Open-rail pays are typically irreversible.

We are not liable for what a paid URL returns, for a seller who fails to unlock, or for harm from a URL you ask us to call. You must not use Spend to attack, scan, or reach systems you are not allowed to access.

The directory caches third-party service metadata so agents can find pay endpoints. A listing is not an endorsement, not a guarantee of payment readiness, and not legal advice.

You may use the Service only for lawful purposes. You may not:

• Violate applicable law, sanctions, or export rules.
• Use Rill for money laundering, fraud, card testing, ransomware, or other prohibited financial activity.
• Use Rill as a remittance or cash-out rail that is not tied to a real software capability you sell or pay for.
• Upload or traffic child sexual abuse material, or exploit minors.
• Attempt unauthorized access, overload the Service, or bypass rate limits, signatures, or access controls.
• Misrepresent your identity, your product, or a pay link price.

We may remove resources, revoke keys, freeze wallets, or suspend accounts when we believe these Terms have been violated. Report abuse to abuse@userill.com.

You must verify webhook signatures before you fulfill. We grant you a limited, revocable, non-exclusive, non-transferable license to call the hosted API and MCP solely to use the Service.

Open-source kits such as @userill/accept and @userill/spend have their own licenses. Those licenses cover the kits. These Terms cover the hosted Service.

The Service is provided without a service-level agreement unless we sign a separate one with you. We may apply rate limits and fair-use controls. We may modify, suspend, or discontinue any part of the Service with notice where practicable.

The Rill name, software, documentation, and directory compilation are owned by us or our licensors. You may not copy or misuse them except as allowed by these Terms. You keep your product, your API, and content you submit, and you grant us a limited license to host and process that content solely to operate the Service.

The Service is provided as is and as available, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that a third-party endpoint will unlock after a pay.

To the maximum extent permitted by applicable law, lomi. Inc and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, goodwill, or irreversible open-rail settlement.

Our total liability for any claim relating to the Service is limited to the greater of (a) amounts you paid us for Rill in the twelve months before the claim or (b) one hundred U.S. dollars, except where applicable law does not allow that limit.

You will defend and indemnify lomi. Inc and its affiliates, and their officers, directors, and employees, against claims, losses, and costs arising from your use of the Service, your agents' use, your pricing or fulfillment, leaked keys, prohibited use, or third-party claims from URLs you pay or pay links you host, except to the extent caused solely by our fraud or willful misconduct.

You may stop using the Service or delete your account from settings, or by emailing support@userill.com or privacy@userill.com.

We may suspend or terminate access for abuse, legal risk, unpaid amounts, or requirements from Stripe or payment networks. After termination, some payment and ledger records may remain as described in the Privacy policy. Sections that should survive (including disclaimers, limitation of liability, indemnity, and governing law) will survive.

We may update these Terms. We will post the revised version with an updated last-updated date, and we may also notify you through the Service when a change is material. Continued use after changes means you accept the updated Terms.

These Terms are governed by applicable laws without regard to conflict-of-law principles. Courts with appropriate jurisdiction may hear disputes, subject to mandatory consumer protections where you live.

Questions about these Terms: legal@userill.com