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.
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.
Include the End User Terms in your terms
Copy Lightspark’s End User Terms and append them to your own terms of service, so each end user accepts a single combined document. Including the URL to our End User Terms is not sufficient — you must embed the full text, available at:
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.
Use GET /customers/end-user-terms to retrieve the current terms URL and version. Record acceptance with the endUserTermsConsent field when you create or update the customer. The acceptance record includes the timestamp, device IP address, terms version, and acceptance method. Grid rejects versions that it does not recognize.
For unregulated platforms, Grid does not open customer accounts until you record this acceptance. Customer responses include the full endUserTermsConsent object after acceptance is recorded.
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.
