Legal

Seller Terms

This version is retired. It was replaced on 2026-10-24 by the current Seller Terms (owner ruling of 2026-10-24: no payment processor of Fotoh’s; your customers pay you directly, from their own account into yours). It is kept as the record of what was accepted under it. Version: qardon-com-seller-terms-v2-2026-10-20. Effective date: 2026-10-20. The version in force before this one is kept, marked retired, at /legal/seller-terms-v1; the prices named in it no longer apply — qardon.com is free for you. 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’ payments are collected into your own payment account, opened in your own name, and never into a Fotoh account.
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 have their customers’ payments collected, 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 payment account

You open your payment account inside qardon.com; Stripe asks for your details on its own secure page and keeps them. qardon.com stores no ID number and no bank number. The account is yours: you can see it in your own Stripe dashboard, and it stays yours if you leave.

Stripe charges your account directly for its own processing: 0.8% per bank payment, never more than $5; cards 2.9% + 30¢ (Stripe’s published US prices, read on 2026-10-19 at stripe.com/pricing). qardon.com takes nothing out of your customers’ payments.

3. Your customers’ payments

Each payment is taken on the date in your signed contract, from the account your customer authorized in your name, and it settles in your own account. 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 handled in your own account.

4. Leaving

You can stop collecting through qardon.com at any time. Your customers are told how to pay you directly, their authorizations through qardon.com are released, and your payment 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 collecting payments, these govern. They are not legal advice; your own licences and legal duties are yours to confirm.