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docs: add end-user terms disclosures guide; link refund policy in receipts #579

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docs: add end-user terms disclosures guide; link refund policy in receipts #579

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3 changes: 2 additions & 1 deletion mintlify/docs.json
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Original file line number Diff line number Diff line change
Expand Up @@ -125,7 +125,8 @@
"group": "Onboarding",
"pages": [
"payouts-and-b2b/onboarding/platform-configuration",
"payouts-and-b2b/onboarding/configuring-customers"
"payouts-and-b2b/onboarding/configuring-customers",
"payouts-and-b2b/onboarding/disclosures"
]
},
{
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27 changes: 27 additions & 0 deletions mintlify/payouts-and-b2b/onboarding/disclosures.mdx
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@@ -0,0 +1,27 @@
---
title: "Disclosures"
description: "Expose Lightspark's End User Terms and provide evidence of your consent flow"
icon: "/images/icons/shield.svg"
"og:image": "/images/og/og-payouts-b2b.png"
---

If you're an **unregulated platform** moving funds using Grid's money transmitter licenses, Grid (operating as Lightspark Payments, LLC) is the licensed money transmitter on your transactions. Your end users contract directly with Lightspark for these services, so you must present Lightspark's End User Terms to each end user and capture their consent before they transact.

<Warning>
Exposing the End User Terms and collecting consent is a **launch precondition**. Provide Lightspark with evidence of your consent flow and receive approval before making Grid available to your end users.
</Warning>

## Include the End User Terms in your terms

Copy Lightspark's End User Terms and append your own terms of service to them, so each end user accepts a single combined document:

- **End User Terms:** [https://www.lightspark.com/legal/grid/enduserterms](https://www.lightspark.com/legal/grid/enduserterms)

Present the combined terms in your onboarding or consent flow, and require each end user to affirmatively accept them (for example, an unchecked checkbox or an "I Agree" button) before they can use Grid.

## Provide evidence of your consent flow

Send Lightspark evidence that your end users are shown the End User Terms and consent to them. Provide both:

- **A screenshot of the consent screen** showing how the End User Terms are presented and accepted.
- **How you track consent** — the record you keep each time an end user accepts, such as the end user identifier, the timestamp of acceptance, and the version of the terms accepted.
4 changes: 2 additions & 2 deletions mintlify/snippets/receipts.mdx
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Expand Up @@ -111,7 +111,7 @@ export const ReceiptExample = () => {
<p style={{ margin: 0 }}>To report fraud or suspected fraud in connection with the money transmission services, please call customer service toll-free at <span style={{ color: '#1a1a1a', fontWeight: 450 }}>(855) 516-0103</span>.</p>
<div>
<div style={secLabelMb}>Refund Policy</div>
<p style={{ margin: 0 }}>You may cancel for a full refund within 30 minutes of payment, unless the funds have already been picked up or deposited. Refund requests can be made at www.lightspark.com/refunds or by calling the number above.</p>
<p style={{ margin: 0 }}>You may cancel for a full refund within 30 minutes of payment, unless the funds have already been picked up or deposited. See the <a href="https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards" style={{ color: '#1a1a1a', fontWeight: 450 }}>refund policy</a> or call the number above.</p>

@greptile-apps greptile-apps Bot Jun 12, 2026

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P1 Refund policy URL points to a category listing, not an article

The updated href https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards is a Zendesk category URL (indicated by the /categories/ path segment) named "Cards", not a specific refund policy article URL (which would be /articles/{id}-{name}). A customer clicking "refund policy" would land on a category index page rather than the actual refund policy content. Because this is regulatory-required information on every receipt, a broken or misdirected link is a compliance gap. Verify the link resolves to the exact refund policy article and use the article-level URL (e.g. /hc/en-us/articles/...) instead.

Prompt To Fix With AI 
This is a comment left during a code review.
Path: mintlify/snippets/receipts.mdx
Line: 114

Comment:
**Refund policy URL points to a category listing, not an article**

The updated href `https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards` is a Zendesk *category* URL (indicated by the `/categories/` path segment) named "Cards", not a specific refund policy article URL (which would be `/articles/{id}-{name}`). A customer clicking "refund policy" would land on a category index page rather than the actual refund policy content. Because this is regulatory-required information on every receipt, a broken or misdirected link is a compliance gap. Verify the link resolves to the exact refund policy article and use the article-level URL (e.g. `/hc/en-us/articles/...`) instead.

How can I resolve this? If you propose a fix, please make it concise.

</div>
<p style={{ margin: 0, fontSize: '11px', color: '#989898', borderTop: '1px solid rgba(38,38,35,0.08)', paddingTop: '10px' }}>Recipient may receive less than the total to recipient due to fees charged by the recipient's bank and any foreign taxes. <em>(Foreign remittance only.)</em></p>
</div>
Expand Down Expand Up @@ -164,7 +164,7 @@ Include these exactly as written on every receipt:
| Website | www.lightspark.com |
| Customer service phone | (855) 516-0103 |
| Fraud reporting | "To report fraud or suspected fraud in connection with the money transmission services, please call customer services toll-free at (855) 516-0103." |
| Refund policy | Lightspark's refund policy for transmitted funds (link or full text). |
| Refund policy | Link to Lightspark's refund policy: https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards |

@greptile-apps greptile-apps Bot Jun 12, 2026

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P1 Same category URL used in the reference table

The plain-text URL in the "Lightspark regulatory disclosures" table — https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards — has the same /categories/ path issue as the receipt HTML snippet above. Both the visual example and the implementation reference table should point to the specific article URL once it is confirmed.

Prompt To Fix With AI 
This is a comment left during a code review.
Path: mintlify/snippets/receipts.mdx
Line: 167

Comment:
**Same category URL used in the reference table**

The plain-text URL in the "Lightspark regulatory disclosures" table — `https://support.lightspark.com/hc/en-us/categories/51347651720859-Cards` — has the same `/categories/` path issue as the receipt HTML snippet above. Both the visual example and the implementation reference table should point to the specific article URL once it is confirmed.

How can I resolve this? If you propose a fix, please make it concise.


### Transaction fields

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