Terms of Service
Version 2.0 · Last updated June 30, 2026
Acceptance of Terms
By accessing or using MyMerkato (the "Service", including our website at mymerkato and our iOS and Android apps), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. These terms apply to all users including buyers, sellers, service providers, event organizers, drivers, daters, donors, and visitors, whether on the website or in the apps.
Eligibility
You must be at least 18 years of age to use MyMerkato. By using the Service you represent and warrant that you meet this requirement. The Meet People feature is exclusively for users 18 or older; enabling it is your confirmation of this.
The Service Is a Venue Only
MyMerkato is a discovery and connection platform. We do not own, sell, resell, supply, control, inspect, or deliver any item, service, ride, delivery, or event listed by users. We are not a party to any transaction or interaction between users. All content and conduct is the sole responsibility of the user responsible for it.
User Accounts
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use at support@f2yapps.com.
Listings, Events, and Content
You are solely responsible for any content you post and for ensuring it is accurate, lawful, and yours to post. Listings, ads, and events may be subject to admin review before becoming publicly visible. We may remove any content, at our discretion, at any time, without notice or liability.
Meet People Feature
The Meet People feature connects adult community members. By enabling it you confirm you are 18+, will behave respectfully, and will not send unsolicited or inappropriate content. Mutual consent (both parties connecting) is required before messaging. MyMerkato, LLC does not verify the identity, background, or intentions of any member and is not responsible for any member's conduct. You use this feature, and meet anyone through it, entirely at your own risk.
Community Care Fund
The Care Fund lets members request and pledge voluntary support. MyMerkato is not a bank, charity, escrow agent, or payment processor. MyMerkato, LLC does not hold, transfer, collect, or guarantee any funds; all money moves directly between users via third-party services (e.g., Venmo, Cash App, PayPal). We are not responsible for any pledge that is unfulfilled, misused, fraudulent, or disputed.
Rides & Deliveries
MyMerkato, LLC is NOT a transportation provider, carrier, courier, rideshare, or delivery company, and does not employ, screen, train, supervise, insure, or endorse any driver, rider, or sender. We perform no background, driving-record, vehicle, or insurance checks. Any fare shown is a non-binding ESTIMATE; the actual amount, method, and timing are agreed and paid directly between users. You are solely responsible for holding valid insurance, licenses, and registrations and for complying with all applicable laws. You use rides and deliveries entirely at your own risk - including accident, injury, death, loss, theft, or property damage - and MyMerkato, LLC is not liable for any of it.
Payments & Subscriptions
Optional paid features (premium listings, business plans, ad placements, Meet People Plus) are billed through the applicable app store (Apple/Google) or, on the website, through our third-party payment processor. Subscriptions auto-renew unless cancelled before the renewal date; manage or cancel them through your store account or billing portal. Refunds are governed by the relevant store or processor policy. MyMerkato, LLC does not store your card details. Paid plans are for your own personal or business use and may not be resold or used as a posting service for third parties; posting limits apply and may be adjusted.
Prohibited Activities
You may not: post false, misleading, or fraudulent content; violate any law; harass, abuse, threaten, or harm others; infringe intellectual-property or privacy rights; sell prohibited items (weapons, drugs, stolen or counterfeit goods, adult content); solicit funds under false pretenses; spam; or attempt to reverse-engineer, scrape, overload, or compromise the Service.
In-Person Meetings & Assumption of Risk
Marketplace deals, deliveries, rides, the Care Fund, and Meet People can lead to communicating or meeting with people you do not know. MyMerkato, LLC does not verify the identity, background, or intentions of any user and is not responsible for any user's conduct, online or in person. You interact, meet, and transact entirely at your own risk. We recommend meeting in safe public places, bringing someone you trust, inspecting items before paying, and never sharing financial or sensitive information. You knowingly assume all risk arising from your interactions with other users.
Disclaimer of Warranties
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. MyMerkato, LLC disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any listing, user, ride, delivery, event, or donation is genuine, safe, lawful, or accurate.
Limitation of Liability
To the fullest extent permitted by law, MyMerkato, LLC and its owners, officers, directors, employees, administrators, moderators, agents, and volunteers shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages, nor for any personal injury, death, property loss or damage, theft, fraud, or financial loss, arising from your use of the Service or from any transaction, ride, delivery, donation, meeting, or interaction facilitated through it. The Service merely provides a venue to connect users. Where liability cannot be excluded, our total aggregate liability to you for any and all claims is limited to the greater of the amount you paid MyMerkato, LLC in the 12 months before the claim or US $100.
Indemnification
You agree to defend, indemnify, and hold harmless MyMerkato, LLC and its owners, officers, administrators, moderators, agents, and volunteers from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: your use of the Service; your content or listings; any transaction, ride, delivery, donation, or meeting you take part in; your violation of these terms or any law; or your violation of any third party's rights.
Release of Claims Between Users
Because MyMerkato, LLC is only a venue that connects users, any dispute, loss, injury, or harm between you and another user is solely between those users. To the fullest extent permitted by law, you release MyMerkato, LLC and its owners, operators, administrators, and volunteers from any and all claims, demands, and damages of every kind arising out of or connected with such disputes or interactions.
Governing Law & Disputes
These terms are governed by the laws of the State of Maryland, United States. Any dispute shall be resolved through binding arbitration in the State of Maryland, United States, on an individual basis, except where prohibited by law. You waive any right to participate in a class action.
Changes to These Terms
We may update these terms at any time. Continued use of the Service after changes constitutes acceptance. Material changes will be announced in-app or on the website.
Contact
Questions about these terms: contact@f2yapps.com
Questions? Contact contact@f2yapps.com. By using MyMerkato you acknowledge and accept these terms. This is a general template and not legal advice - have counsel review before relying on it.