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Terms of Service

Effective Date: March 20, 2026 Last Updated: March 20, 2026

These Terms of Service ("Terms") govern your access to and use of Lightning Enable, operated by Refined Element, LLC ("Company," "we," "us," or "our"). By accessing or using Lightning Enable, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use Lightning Enable.

1. Service Description​

Lightning Enable is API middleware software that connects your platform to third-party payment providers (currently Strike and OpenNode) for Bitcoin Lightning Network payments.

What Lightning Enable Does​

  • Provides REST API endpoints for creating, managing, and tracking Lightning Network invoices
  • Provides MCP (Model Context Protocol) tools for AI agent payment capabilities
  • Implements the L402 protocol for pay-per-request API monetization
  • Connects your Shopify store to Lightning payments via the Shopify L402 integration
  • Enforces configurable budget limits for AI agent spending
  • Encrypts your payment provider credentials at rest (AES-256-GCM)
  • Forwards webhook notifications from payment providers to your configured endpoints

What Lightning Enable Does NOT Do​

  • Hold, custody, or control any Bitcoin or other funds. Your payment provider (Strike, OpenNode) facilitates custody, settlement, and (optionally) conversion to fiat currency.
  • Generate, store, or manage private keys
  • Act as a money transmitter, payment processor, or financial institution
  • Guarantee payment success, settlement timing, or exchange rates
  • Make spending decisions on behalf of any user or AI agent
  • Provide financial, legal, or tax advice

Service Architecture​

You (Merchant) → Lightning Enable (API Middleware) → Payment Provider (Strike/OpenNode)

All money transmission, KYB/KYC compliance, liquidity management, and fund settlement are the responsibility of your chosen payment provider. Lightning Enable is a software service that facilitates the API connection between your platform and your payment provider.

Regulatory Status and Money Transmission​

Lightning Enable is connector software that facilitates API communication between merchants and their independently selected, third-party payment providers. Lightning Enable:

(a) Does not hold, transmit, control, or have access to customer funds, Bitcoin, or any cryptocurrency at any time during a transaction;

(b) Does not maintain wallets, private keys, or signing authority over any blockchain address;

(c) Does not take possession of or exercise control over funds in transit between a payer and a payee;

(d) Does not qualify as a "money transmitter" under the Bank Secrecy Act (31 U.S.C. Section 5330) or FinCEN regulations (31 C.F.R. Section 1010.100(ff)), as it does not accept and transmit currency or value that substitutes for currency;

(e) Does not qualify as a "money transmitter" under the Florida Money Services Businesses Act (Florida Statutes Chapter 560) or any analogous state money transmission statute, as it does not receive money or monetary value for transmission;

(f) Does not provide "custodial" services as that term is used in cryptocurrency regulation; and

(g) Relies on its integrated payment providers (Strike, OpenNode) to maintain all required money transmission licenses, registrations, and regulatory compliance.

Users acknowledge that this regulatory characterization is based on Lightning Enable's current service architecture and functionality. Changes in applicable law, regulation, or regulatory interpretation may affect this characterization. Lightning Enable is not providing legal or regulatory advice regarding your obligations under applicable money transmission, money services business, or virtual currency laws. You are responsible for your own regulatory compliance.

2. Eligibility​

You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding agreement. If you are using Lightning Enable on behalf of a business or organization, you represent that you have authority to bind that entity to these Terms.

You may not use Lightning Enable where prohibited by law, including jurisdictions that restrict Bitcoin, Lightning Network, or cryptocurrency transactions.

3. Account Registration and Security​

Account Creation​

To use Lightning Enable, you must create a merchant account and subscribe to a plan via Stripe. You agree to provide accurate, current, and complete information during registration.

API Key Security​

You are solely responsible for:

  • Safeguarding your Lightning Enable API key, payment provider API keys (Strike, OpenNode), and any Shopify Admin API access tokens
  • All activity that occurs under your API keys, whether authorized or unauthorized
  • Revoking and rotating keys immediately if you suspect compromise

Lightning Enable encrypts your payment provider credentials at rest using AES-256-GCM encryption. However, you must not expose your API keys in client-side code, public repositories, log files, or any other publicly accessible location.

If you believe your credentials have been compromised, revoke them immediately via the Lightning Enable dashboard and contact support@lightningenable.com.

4. Subscription Plans and Billing​

Plans​

Lightning Enable offers the following subscription plans:

PlanPriceDescription
Agentic Commerce — Individual$99/monthFull L402 access for individual developers
Kentico Commerce$249/monthXperience by Kentico integration
Agentic Commerce — Business$299/monthPay-per-request API monetization for businesses

Billing​

  • All subscriptions are billed monthly via Stripe
  • Prices are in USD
  • No per-transaction fees. Revenue is subscription SaaS only
  • Subscriptions renew automatically unless cancelled

Cancellation​

  • You may cancel your subscription at any time via Stripe or by contacting support@lightningenable.com
  • Cancellation takes effect at the end of the current billing period
  • No prorated refunds are provided for partial billing periods
  • Upon cancellation, your API keys will be deactivated at the end of the billing period

Plan Changes​

  • You may upgrade or downgrade your plan at any time
  • Upgrades take effect immediately; downgrades take effect at the next billing cycle

5. Acceptable Use​

You agree NOT to use Lightning Enable to:

  • Violate any applicable law, regulation, or third-party rights
  • Facilitate money laundering, terrorist financing, sanctions evasion, or any activity prohibited by OFAC, FinCEN, or equivalent regulatory bodies
  • Process payments for illegal goods or services
  • Circumvent or attempt to circumvent rate limits, budget controls, or security measures
  • Reverse-engineer, decompile, or attempt to derive source code from Lightning Enable (except for the open-source MCP server, which is MIT-licensed)
  • Interfere with or disrupt the service or servers
  • Use the service to send spam, phishing, or malicious content
  • Resell access to Lightning Enable without written authorization
  • Misrepresent your identity or affiliation

Your Compliance Obligations​

You are solely responsible for:

  • Complying with all applicable laws in your jurisdiction, including tax obligations, consumer protection, and data privacy regulations
  • Obtaining any required licenses or registrations for your business
  • Complying with your payment provider's terms of service (Strike, OpenNode)
  • Collecting and remitting sales tax, VAT, or other applicable taxes on sales made through Lightning Enable integrations (e.g., Shopify L402)

6. AI Agent Spending and L402​

6.1 Authorization of AI Spending​

By configuring AI agents to make payments using Lightning Enable's MCP tools or L402 protocol, you explicitly acknowledge and agree that:

(a) You are voluntarily authorizing automated spending from your configured wallet;

(b) You are the principal and the AI agent is acting on your behalf — you bear full legal responsibility for all actions taken by AI agents using your credentials, regardless of whether those actions matched your intent;

(c) AI agents operate based on probabilistic models and may interpret instructions in ways that differ from your expectations, including initiating payments you did not intend;

(d) Lightning Network payments are irreversible once settled on the network — neither Lightning Enable nor any third party can reverse, cancel, or refund a settled Lightning payment;

(e) Budget limits are implemented as software safeguards and are provided on an "as is" basis — they are not guaranteed to prevent all overspending in all circumstances, including but not limited to scenarios involving race conditions, concurrent requests, software defects, or network latency;

(f) You accept sole and exclusive responsibility for all payments made by AI agents using your credentials, whether or not such payments were intended or authorized by you; and

(g) You will not hold Refined Element, LLC liable for any financial loss resulting from AI agent actions, including unintended purchases, overspending beyond budget limits, or payments to incorrect recipients.

6.2 AI Agent Operator Obligations​

If you deploy AI agents that interact with third parties (including purchasing goods, accessing APIs, or conducting transactions) through Lightning Enable, you agree to:

(a) Clearly disclose to counterparties, where required by applicable law or regulation, that they are interacting with an AI agent rather than a human;

(b) Implement reasonable oversight mechanisms to monitor AI agent spending and behavior;

(c) Configure budget limits appropriate for your use case and risk tolerance;

(d) Promptly review AI agent transaction logs and address any anomalous activity;

(e) Maintain adequate records of AI agent configurations, authorized actions, and spending limits for a period of no less than one (1) year; and

(f) Comply with all applicable laws and regulations governing automated transactions, autonomous agents, and algorithmic decision-making in your jurisdiction, including but not limited to the EU AI Act (if applicable), FTC guidance on AI disclosures, and any state-level AI transparency requirements.

6.3 L402 Protocol​

By using L402 endpoints (as a consumer or producer), you acknowledge that:

(a) Payment is required before access is granted to an L402-protected resource;

(b) Payments are cryptographically verified using SHA-256 hash verification (SHA256(preimage) == payment_hash);

(c) Lightning Enable does not guarantee the availability, accuracy, quality, or legality of third-party APIs or content accessed via L402;

(d) As an L402 producer, you are solely responsible for delivering the service or content you advertise and for complying with all applicable consumer protection laws; and

(e) As an L402 consumer, you bear the risk that an L402 producer may fail to deliver the promised service or content after payment, and Lightning Enable has no obligation to mediate or resolve such disputes.

6.4 Risk Acknowledgment​

USE OF AI AGENTS FOR FINANCIAL TRANSACTIONS IS AN EMERGING TECHNOLOGY WITH INHERENT RISKS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THE RISK DISCLOSURES IN LIGHTNING ENABLE'S DOCUMENTATION AND THAT YOU ACCEPT THESE RISKS. IF YOU ARE UNWILLING TO ACCEPT THESE RISKS, DO NOT CONFIGURE AI AGENTS TO MAKE PAYMENTS THROUGH LIGHTNING ENABLE.

See our Legal Considerations documentation for a detailed breakdown of risks associated with AI-driven spending.

7. Shopify L402 Integration​

Merchant Responsibilities​

If you use Lightning Enable's Shopify integration, you are responsible for:

  • Maintaining an active Shopify store with accurate product listings and inventory
  • Fulfilling orders created through the Lightning Enable integration
  • Providing accurate shipping information and rates
  • Complying with Shopify's terms of service
  • Handling customer service, returns, and disputes for orders placed through your store

Order Processing​

  • Lightning Enable creates Shopify orders on your behalf after payment is cryptographically verified
  • Orders are created with financial_status: "paid" — you are responsible for fulfillment
  • Lightning Enable does not guarantee delivery, shipping times, or product quality
  • Claim tokens allow customers a configurable window (default 30 days) to provide shipping details after payment

Pricing​

  • Product prices are always fetched server-side from your Shopify catalog
  • Bitcoin/sats amounts are calculated at the time of checkout and locked in the Lightning invoice
  • Lightning Enable is not responsible for exchange rate fluctuations between checkout and settlement

8. Intellectual Property​

Lightning Enable​

Lightning Enable and its documentation are the property of Refined Element, LLC. All rights not expressly granted in these Terms are reserved.

Open-Source Components​

The Lightning Enable MCP Server is released under the MIT License. The L402 client libraries (l402-requests for Python, .NET, and TypeScript) are also MIT-licensed. These components are governed by their respective open-source licenses, not these Terms.

Your Content​

You retain all rights to your data, configurations, and content processed through Lightning Enable. By using the service, you grant us a limited license to process your data solely for the purpose of providing the service.

9. Privacy and Data​

Your use of Lightning Enable is also governed by our Privacy Policy. Key points:

  • We store merchant account information (name, email) and encrypted payment provider credentials
  • We do not sell, share, or monetize your data
  • We log API requests for debugging and security purposes (without sensitive credentials)
  • See the Privacy Policy for full details

Data Processing Agreement​

If you are located in the European Economic Area, United Kingdom, or Switzerland, or if you process personal data of individuals in those jurisdictions through Lightning Enable, the terms of our Data Processing Agreement are incorporated into these Terms by reference. In the event of a conflict between the Data Processing Agreement and these Terms regarding the processing of personal data, the Data Processing Agreement shall control.

10. Disclaimers​

Service Provided "As Is"​

LIGHTNING ENABLE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

No Guarantees​

We do not guarantee:

  • Continuous, uninterrupted, or error-free service
  • That the service will meet your specific requirements
  • The accuracy of Bitcoin exchange rates or payment amounts
  • The availability or reliability of third-party services (Strike, OpenNode, Shopify, Lightning Network)
  • That budget limits or security measures will function perfectly in all circumstances

Third-Party Services​

Lightning Enable depends on third-party services including Strike, OpenNode, Shopify, and the Bitcoin Lightning Network. We are not responsible for outages, policy changes, or failures of these services.

11. Limitation of Liability​

11.1 Exclusion of Consequential Damages​

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Without limiting the generality of the foregoing, Refined Element, LLC shall not be liable for:

(a) Payments made by AI agents operating under your credentials, whether intended or unintended, including payments that exceed configured budget limits;

(b) Funds lost due to API key compromise, unauthorized access, or software defects;

(c) Exchange rate fluctuations, Lightning Network routing failures, or payment channel liquidity issues;

(d) Failures, outages, or policy changes of third-party payment providers (Strike, OpenNode), Shopify, or the Bitcoin Lightning Network;

(e) Shopify order fulfillment issues, shipping delays, or product quality disputes; or

(f) Any loss arising from your failure to maintain the security of your API keys, credentials, or account.

11.2 Cap on Direct Damages​

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF REFINED ELEMENT, LLC FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS PAID BY YOU TO LIGHTNING ENABLE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

11.3 Exceptions to Limitation​

THE LIMITATIONS IN SECTIONS 11.1 AND 11.2 SHALL NOT APPLY TO:

(a) Liability arising from a party's fraud, gross negligence, or willful misconduct;

(b) Your indemnification obligations under Section 12;

(c) Your breach of Section 5 (Acceptable Use);

(d) Your payment obligations for subscription fees; or

(e) Liability that cannot be limited or excluded under applicable law.

11.4 Basis of the Bargain​

THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION REFLECT A REASONABLE ALLOCATION OF RISK BETWEEN THE PARTIES AND ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. THE SERVICE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. YOU UNDERSTAND AND AGREE THAT EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED BY THE PARTIES TO BE SEVERABLE AND INDEPENDENT OF EVERY OTHER PROVISION.

12. Indemnification​

You agree to indemnify, defend, and hold harmless Refined Element, LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from:

  • Your use of Lightning Enable
  • Your violation of these Terms
  • Your violation of any applicable law or third-party rights
  • Payments made through your configured wallet or API keys
  • Your AI agents' actions or spending
  • Orders placed through your Shopify integration
  • Your negligence or willful misconduct

13. Termination​

By You​

You may terminate your account at any time by cancelling your Stripe subscription and ceasing use of Lightning Enable.

By Us​

We may suspend or terminate your access at any time, with or without notice, if:

  • You violate these Terms or our Acceptable Use policy
  • Your subscription payment fails and is not resolved within a reasonable grace period
  • We are required to do so by law
  • We discontinue the service (with reasonable notice)

Effect of Termination​

Upon termination:

  • Your API keys will be deactivated
  • Your encrypted payment provider credentials will be deleted
  • Your merchant account data will be retained for a reasonable period for legal and accounting purposes, then deleted
  • Any pending Shopify orders will remain in your Shopify admin for fulfillment
  • You remain responsible for any outstanding obligations incurred before termination

14. Changes to These Terms​

We may update these Terms from time to time. We will notify you of material changes by:

  • Posting the updated Terms on our documentation site
  • Updating the "Last Updated" date
  • Sending an email notification for significant changes

Your continued use of Lightning Enable after changes take effect constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the service.

15. Governing Law and Disputes​

15.1 Governing Law​

These Terms and any dispute arising out of or relating to these Terms, your use of Lightning Enable, or your relationship with Refined Element, LLC shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

15.2 Informal Resolution​

Before initiating any formal dispute resolution proceeding, you agree to first contact us at legal@lightningenable.com and attempt to resolve the dispute informally for a period of at least thirty (30) days. Most disputes can be resolved without the expense and delay of formal proceedings.

15.3 Binding Arbitration​

If we are unable to resolve a dispute informally within the thirty (30) day period described above, any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules then in effect.

The arbitration shall be conducted by a single arbitrator with demonstrated experience in software-as-a-service or technology disputes. The arbitration shall be held in Orange County, Florida, or, at the election of the claimant, conducted remotely via videoconference. The language of the arbitration shall be English.

The arbitrator shall have the authority to award any remedy that a court of competent jurisdiction could award, including injunctive relief, and the arbitrator's decision shall be final and binding. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights, confidential information, or to enforce the provisions of Section 5 (Acceptable Use).

15.4 Class Action and Jury Trial Waiver​

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

(a) YOU AND REFINED ELEMENT, LLC AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING.

(b) YOU AND REFINED ELEMENT, LLC WAIVE ANY RIGHT TO A JURY TRIAL.

(c) If this class action waiver is found to be unenforceable as to a particular claim or request for relief, then the parties agree that such claim or request for relief shall be severed and proceed in a court of competent jurisdiction in Orange County, Florida, while the remaining claims shall proceed in arbitration.

15.5 Small Claims Court​

Notwithstanding Section 15.3 above, either party may bring an individual action in small claims court in Orange County, Florida, for disputes within the jurisdictional limits of such court.

15.6 Limitation on Time to File Claims​

TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE. FAILURE TO FILE WITHIN THIS PERIOD SHALL CONSTITUTE A PERMANENT WAIVER AND BAR OF SUCH CLAIM.

15.7 Opt-Out Right​

You may opt out of this arbitration agreement by sending written notice to legal@lightningenable.com within thirty (30) days of first accepting these Terms. Your notice must include your name, account identifier, and a clear statement that you wish to opt out of the arbitration provision. If you opt out, disputes will be resolved in the state or federal courts located in Orange County, Florida, and you consent to the personal jurisdiction of such courts.

16. Miscellaneous​

  • Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Refined Element, LLC regarding Lightning Enable.
  • Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.
  • Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
  • Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights at any time.
  • Force Majeure: Refined Element, LLC shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to: natural disasters; war, terrorism, or civil unrest; government actions, sanctions, or embargoes; pandemic or epidemic; internet or telecommunications failures; power outages; denial-of-service attacks or other cyber attacks; failures of the Bitcoin network, Lightning Network, or blockchain infrastructure; hard forks, soft forks, or consensus changes on the Bitcoin network; regulatory actions that prohibit or materially restrict cryptocurrency transactions; payment provider (Strike, OpenNode) outages, suspensions, or policy changes; or any other event beyond the reasonable control of the affected party.
  • Notices: All legal notices to Refined Element, LLC must be sent to legal@lightningenable.com and shall be deemed received upon confirmed delivery. Notices to you will be sent to the email address associated with your merchant account and shall be deemed received twenty-four (24) hours after sending. Either party may update its notice address by providing written notice to the other party.

17. Contact​

For questions about these Terms:

Refined Element, LLC [Street Address] [City], Florida [ZIP] United States