Terms of Service Guide

Every customer you onboard has to agree to 1Money's Terms of Service before their account can be opened. There are two ways to collect that agreement. This guide walks you through both, and shows you exactly what we need to see to switch the second one on.

Section 1 - The agreements your customer accepts

Both paths cover the same five documents. Nothing here is optional, and nothing can be collected later.

Section 2 - Two ways to collect acceptance

Most partners start hosted and move to partner-hosted once the rest of the integration is live. You can switch later without re-onboarding anyone.

Section 3 - Path A (the 1Money-hosted page)

Three steps, and we handle the wording, the layout and the audit trail.

Step 1 — Create the signing session

Call this when the customer actually reaches the terms step. The link expires about an hour after you make it.

POST https://api.1money.com/v2/terms/{type}/signatures

curl -X POST https://api.1money.com/v2/terms/BUSINESS_ONBOARDING/signatures \
  -H "Authorization: Bearer $API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "redirect_url": "https://partner.example.com/onboarding/terms/done" }'

Step 2 — Share the link, keep the ID

201 Created

{
  "url": "https://terms.1money.com/s/sig_01HZY3K8QW4F2M9N",
  "signature_id": "sig_01HZY3K8QW4F2M9N",
  "expires_at": "2026-08-28T15:32:10Z",
  "terms": [
    {
      "url": "https://www.1money.com/legal-and-privacy/terms-and-conditions",
      "type": "COMMERCIAL_ACCOUNT_TERMS_AND_CONDITIONS",
      "name": "Account Terms and Conditions",
      "status": "PENDING"
    }
  ]
}

Send the customer to url. Store signature_id against your applicant record — that is the piece you will need in a minute. If the session expires before they open it, create a new one; the old ID stops working.

Step 3 — Reference it when you initiate the account

Initiate Business Account — terms fragment

{
  "terms": [
    { "type": "BUSINESS_ONBOARDING", "signature_id": "sig_01HZY3K8QW4F2M9N" }
  ]
}

That is it. One entry, one ID, and we resolve the individual agreements on our side.

Section 4 - Path B (hosting the terms yourself)

You get full control of the screen. In exchange, we need the wording and the links to be exact, and we need to see the built flow before we turn it on.

The sentence, word for word

This has to appear in full, in one place, unedited:

The five links

Each named agreement must be a working hyperlink that opens in a new tab.

The reference screen

Build the consent step to match this. Colours, spacing, type and the control itself are yours; the sentence, the four links and the three rules below are not.

Reference consent block - toggle off by default, disclosure visible, Accept disabled until the toggle is on.

Three things make this screen valid

1. The toggle starts off. A pre-ticked box is not consent. The customer has to perform the action.
2. The sentence is visible without interaction. Not behind a "read more" expander, not inside a scrollable box, not shrunk below your body text size.
3. Accept stays disabled until the toggle is on. Pressing the button alone cannot be the thing that grants consent.

Capturing the timestamp

Record the time at the moment the customer presses Accept — not when the page rendered, and not when your server later receives the onboarding request.

capture.js

acceptButton.addEventListener('click', () => {
  // RFC 3339, UTC, taken at the moment of the click
  const signedAt = new Date().toISOString();
  saveApplicantConsent({ signedAt });
});

Sending it on

One entry per agreement, all sharing the same timestamp:

Initiate Business Account — terms fragment

{
  "terms": [
    { "type": "COMMERCIAL_ACCOUNT_TERMS_AND_CONDITIONS",
      "signed_at": "2026-08-28T14:32:10Z" },
    { "type": "INTERNATIONAL_CUSTOMER_ONBOARDING_DISCLOSURE",
      "signed_at": "2026-08-28T14:32:10Z" },
    { "type": "PRIVACY_POLICY",
      "signed_at": "2026-08-28T14:32:10Z" },
    { "type": "COOKIE_POLICY",
      "signed_at": "2026-08-28T14:32:10Z" },
    { "type": "E_SIGN_CONSENT",
      "signed_at": "2026-08-28T14:32:10Z" }
  ]
}

Timestamps must be RFC 3339 with an explicit UTC offset, and cannot be in the future.

Section 5 - The screenshot pack we need from you

Partner-hosted acceptance is off by default. To switch it on, show us the terms step exactly as your customer sees it. Screenshots are the fastest route that we review the images, not a description of them.

Send seven images

How the images should look

• JPEG or PNG, one screen per file. Prefix each filename with your partner name, for example acme-01-desktop-before.jpg.
• At least 1440px wide for desktop, 390px for mobile. Text must be readable at 100% zoom without us enlarging the image.
• Full screen, uncropped. Keep the browser chrome in frame so the URL is visible. Do not crop to just the consent block.
• Your real build, not a mockup. Staging is fine. Design exports and annotated wireframes are not.
• Nothing redacted over the disclosure. Blur customer personal data if you need to, but the sentence and the links stay legible.

Include with the pack

• A sample terms[] payload from staging, so we can see your signed_at format.
• One line on where in your code the timestamp is captured and where it is stored.
• Optional but helpful: a short screen recording of the flow end to end.

Send it to your 1Money account team. We will come back with either an approval or a specific list of changes — never a vague "not yet". Whenever you change the copy, the links or the consent control, send a fresh pack.

Section 6 - Questions that come up

The hosted link expired before my customer opened it.

Create a new session and share the fresh URL. The previous signature_id cannot be reused, so generate the link at the terms step rather than earlier in your funnel.

Can I move from hosted to partner-hosted later?

Yes. Customers you already onboarded through the hosted page stay valid. New onboardings start using signed_at from the day your flow is approved.

Do I re-collect acceptance for every sub-account?

Acceptance is captured per customer being onboarded. If you are opening several sub-accounts under one customer, check with your 1Money account team how that applies to your setup.

Can I restyle the consent block to match my brand?

Colours, spacing, type and the control itself are yours. The sentence, the four links and the three validity rules are not.