Legal

Seller Terms

Version: qardon-com-seller-terms-v3-2026-10-24. Effective date: 2026-10-24. The versions in force before this one are kept, marked retired, at /legal/seller-terms-v2 and /legal/seller-terms-v1; what they say about a payment processor and prices no longer applies — qardon.com is free for you, and it runs no payment processor. A change is published as a new version; you are asked to accept a new version before your next new contract, and every earlier acceptance is kept.

1. What you accept

qardon.com is a technology platform. It is not a party to any sale made through it.
You are the seller and the creditor. You sell, you write your contract with our system, and you execute the sale.
Your customers pay you directly, from their own account into your own payment account, opened in your own name, and never into a Fotoh account. qardon.com holds no money and keeps your contract and its payment schedule as a record.
qardon.com is free for you: dealers and private sellers pay qardon.com nothing to list, to be matched with buyers, to write their contracts or to keep the record of their customers’ payments, and nothing is ever taken out of a customer’s payment.
qardon.com is free for you: buyers, sellers and dealers pay qardon.com nothing. To keep the platform running, its actual running costs, multiplied by a set profit factor, are paid from the earnings of the endowments that people place through the platform: never added to any price, never a percentage of a sale, and never taken from an endowment itself. This is a condition of using qardon.com, not a choice: by opening an account you accept it, and without accepting it an account cannot be opened. If you place an endowment, this condition becomes one of the conditions of your endowment. qardon.com is a tool in the hands of whoever manages an endowment: it is not the manager of anyone’s endowment, it is not a charity, and it takes no part in your transactions or in the profit of your business.
You are responsible for your own licences and legal duties, including any licence, registration, title or lien filing and tax that applies to your sales and to collecting their payments in your state.
Fotoh does not count or report your sales for any government purpose.

2. Your account

Your money stays in your own account, in your own name, at the investment-account platform (Alpaca) or your own bank. qardon.com runs no payment processor and holds no money, not for a moment. qardon.com stores no ID number and no bank number. If you also take payments through a processor of your own, that is your own business tool, outside qardon.com.

Money moves between people’s own accounts. Moving it straight from your customer’s Alpaca account to yours is waiting on Alpaca’s approval; until then, your customers pay you directly and qardon.com records each payment. qardon.com takes nothing out of your customers’ payments, and there are no fees at the start.

3. Your customers’ payments

Each payment falls due on the date in your signed contract and goes from your customer to you directly. qardon.com keeps the contract, the payment schedule and the record of each payment received. One price, whether paid now or monthly; nothing is added for paying over time, and there are no late charges, ever. A customer who cannot pay is offered help, never a penalty. Refunds and disputes are between you and your customer.

4. Leaving

You can leave qardon.com at any time. Your contracts and their records stay yours, your customers keep paying you directly, and your account stays yours.

5. These terms and the general terms

These seller terms sit beside the Terms of Service. Where they speak about selling and about your customers’ payments, these govern. They are not legal advice; your own licences and legal duties are yours to confirm.