--- name: draft-seller-policies description: Draft the three legal pages a seller needs to sell through Paddle — terms and conditions, a refund policy (14–90 day window), and a privacy notice — meeting Paddle's minimum requirements, including the Merchant of Record disclosure, so domain review passes. metadata: internal: true --- # Draft seller policies ## When to use this skill Use this skill when a seller needs the legal pages required to sell through Paddle, or when [domain review](/partners/embed-billing/seller-go-live/checkout-domains) is rejected for policy reasons. Sellers using Paddle as merchant of record must publicly publish three documents: **terms and conditions**, a **refund policy**, and a **privacy notice**. Each must cover the minimums below; the seller can elaborate or add clauses on top. This is agent work — you generate and host these pages in the seller's app. There's no API call. Missing or non-compliant policy pages are a top cause of domain-review failure, so get them right before go-live. Adapt the content to the seller's actual product and business — don't paste boilerplate verbatim. ## How to communicate with the seller - **Ask for their legal business name** (or their own name, if not a business) in a normal message the seller types freely — Paddle requires this exact name in the Terms and Privacy Notice. Don't guess it from the project name. - After generating pages, tell the seller these meet Paddle's requirements for accepting payments and ask them to review that the content reflects their business. They can adjust wording and add clauses, and set the refund window (14–90 days), as long as the must-haves remain. - If the seller wants a change that breaks a requirement (removing the MoR disclosure, adding "no refunds"), explain that Paddle will reject the site at domain review. ## Terms and conditions Commercial mechanics (payments, billing, tax, cancellations, refunds) can refer to [Paddle's buyer terms](https://www.paddle.com/legal/checkout-buyer-terms) instead of being restated. Must have: - **Seller name** — identify the seller's legal entity (and trading name if different) and that the user contracts with the seller. - **Acceptance** — continued use means the user agrees to the terms. - **Misuse** — prohibit at least unlawful use, fraud/spam, IP infringement, and security interference (malware, probing, scraping). - **IP ownership** — the seller retains ownership of the service and its IP. - **Service level** — no guarantee of uninterrupted or error-free service. - **Payment and subscription terms** — refer to Paddle's buyer terms, or include term/renewal, cancellation, fees, payment, taxes, and billing-frequency clauses. - **Suspension/termination** — allow it for material breach, non-payment, security/fraud risk, or repeated/serious violations. - **Contact information** — a way to reach the seller (email or form). - **Merchant of Record disclosure** — state that Paddle is the reseller and MoR. For example: _"Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders."_ ### Category-specific must-haves - **Generative AI** — prohibited/acceptable use (no illegal content, non-consensual sexual content or deepfakes, hate/harassment, malware, doxxing, deception, jailbreaking); user responsibility for prompts, outputs, accuracy, and input rights; IP ownership/licensing plus a takedown pathway; content-moderation rights; and an accuracy disclaimer (outputs may be wrong; not for regulated professional advice without oversight). - **Media editing software (images/video/audio)** — IP rights for inputs/outputs, a takedown pathway, and consequences for repeated infringement. - **Crypto/investment data or analysis** — a clear "no advice" clause: information is general/educational only, not financial/investment/legal/tax advice, and decisions are the user's responsibility. (Products that _execute or broker trades_ are outside Paddle's acceptable use policy.) "Good to have" clauses (authority, warranties disclaimer, liability cap, governing law, and so on) are listed in the [minimum seller terms](/partners/embed-billing/seller-go-live/minimum-seller-terms) reference. ## Refund policy Either refer to [Paddle's refund policy](https://www.paddle.com/legal/refund-policy), or write one that includes: - **Refund period** — how long a user has to request a refund for change of mind; **must be 14–90 days** (a 30-day money-back guarantee is a good default). - **How to request** — direct users to Paddle ([paddle.net](https://paddle.net)) to request a refund. - **No unreasonable qualifiers** — never "all sales are final" or "no refunds"; Paddle rejects these. ## Privacy notice Must have: seller legal name and registered address; a privacy contact; controller status; categories of personal data collected; the purpose and legal basis for each; who data is shared with (service providers/subprocessors, Paddle as MoR, professional advisers, authorities where required); data retention; user rights under applicable law; a security commitment; and a cookie notice if cookies are used. **UK/EEA sellers** must also state international-transfer safeguards (SCCs, IDTA, or an adequacy decision) and the full GDPR rights (access, rectification, erasure, restriction, portability, objection, consent withdrawal, complaint to a supervisory authority, response within one month). ## Common pitfalls - **Omitting the Merchant of Record disclosure** — the single most common rejection. It must name Paddle as reseller/MoR. - **"All sales are final" or a sub-14-day refund window** — both fail review. - **Pages behind a login** — policies must be publicly reachable and return `200` without authentication (see [prepare for go-live](/partners/embed-billing/seller-go-live/prepare-for-go-live)). - **Using the project name instead of the legal entity name** — ask the seller for the real one. ## Verify - All three pages are published at public URLs, return `200`, and load without a login. - Terms include the MoR disclosure; the refund window is 14–90 days with no "all sales final" language; the privacy notice names Paddle as a recipient. - The seller has reviewed the content against their actual business. ## Related docs - [Minimum seller terms](/partners/embed-billing/seller-go-live/minimum-seller-terms) - [Prepare a seller for go-live](/partners/embed-billing/seller-go-live/prepare-for-go-live) - [Register checkout domains](/partners/embed-billing/seller-go-live/checkout-domains)