Terms of Service Reliance

Overview

Terms of Service Reliance allows you to streamline the Terms of Service (TOS) signing process for your users.

This process requires that you embed Mural's TOS into the existing TOS flow for your application. By embedding our TOS directly with your platform’s TOS, you can eliminate the need for each user to have to sign another set of TOS after onboarding.

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Note

This feature must be enabled for your developer organization before using it. Please contact [email protected] to enable TOS Reliance.

Example Integration Flow

1. Enable Feature

Contact Mural Support to enable the Terms of Service Reliance feature for your developer Organization at [email protected].

2. Embed Mural's Terms of Service

Include Mural’s Terms of Service within your own platform’s Terms of Service, delivered at user onboarding.
This allows users to sign Mural’s TOS when they agree to your terms. The information to include in your TOS:

By clicking “Accept”, you agree to Mural Pay’s Terms of Service and Privacy Policy.

You also consent to Persona, our identity verification vendor, collecting, using, and utilizing their service providers to process your biometric information to verify your identity, identity fraud, and improve it’s service, in accordance with its Privacy Policy.

Permission to use TOS Reliance will only be granted after a review of your onboarding process that includes documentation (i.e. screenshots or screen recordings) of where our TOS are being presented to your users.

3. Capture Agreement Data

When users accept your Terms of Service:

• If you do not have one already, generate a unique signedAgreementId in your system. This should be an identifier that can be used to find an attestation that your user completed TOS.
• If you have not done so already, record the timestamp of acceptance (signedAt) in ISO 8601 format.

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Note

We may provide a list of signedAgreementIds to you and request their corresponding attestations at any time.

How to use Terms of Service Reliance

Once enabled, include the tosRelianceInfo object when creating an organization through the Organizations API.

{
  "type": "individual",
	...
	"tosRelianceInfo": {
    "signedAgreementId": "<youridentifier in your system>",
    "signedAt": "2025-11-12T15:20:00Z"
  }
}

When creating your Organization with tosRelianceInfo provided, we will automatically track that your user has signed our Terms of Service, meaning you do not need to use the existing fetch Hosted Terms of Service Link endpoint.