HIFI Docs

Reference HIFI’s Terms in Your Privacy Policy – Include HIFI’s terms by reference in your own ToS/privacy policy and accept the terms of service via API. Best for integrating without interrupting your existing compliance flow.
Use HIFI’s Hosted ToS Link - Generate a ToS link and have users accept via HIFI-hosted pages.

Choose the approach that best fits your application architecture and user experience.

Option 1: Reference Terms

If you already have a terms of service or privacy policy acceptance flow, you can reference HIFI’s terms within it. This approach lets you keep users in your own onboarding flow while still generating the required signed agreement ID in the background.

How It Works

Include HIFI’s terms by reference in your privacy policy or terms of service
Collect acceptance through your existing flow (checkbox, button, etc.)
When the user accepts, generate and accept the ToS Link in the background
Create the user account, passing the accepted ToS Link ID as signedAgreementId

Implementation

Add a reference to HIFI’s terms in your privacy policy:

We use HIFI to process financial transactions. By using our service, you also agree to HIFI’s Terms & Conditions and Privacy Policy.

After updating your Terms of Service, please contact us with documentation or evidence of the update. Our team will conduct periodic reviews to ensure continued compliance.

Generate ToS Link:

When the user accepts your privacy policy (which includes HIFI’s terms by reference), generate a HIFI ToS Link in the backgroundRequest:

curl -X POST "https://sandbox.hifi.com/v3/tos-link" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "idempotencyKey": "{{$guid}}"
   }'

Response:

{
    "id": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "url": "https://app.hifi.com/tos?sessionToken=05477964-f29c-444d-abd6-36380980567f&sandbox=true",
    "signed": false,
    "sessionToken": "05477964-f29c-444d-abd6-36380980567f",
    "createdAt": "2026-07-12T21:17:13.096Z",
    "expiredAt": "2026-07-17T21:17:12.329Z"
}

Accept ToS Link:

Accept the ToS Link with the sessionTokenRequest:

curl -X POST "https://sandbox.hifi.com/v3/tos-link" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "sessionToken": "05477964-f29c-444d-abd6-36380980567f"
   }'

Response:

{
    "id": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "url": null,
    "signed": true,
    "sessionToken": "05477964-f29c-444d-abd6-36380980567f",
    "createdAt": "2026-07-12T21:17:13.096Z",
    "expiredAt": "2026-07-17T21:17:12.329Z"
}

Create User

Create User with the accepted ToS Link IDRequest:

curl -X POST "https://sandbox.hifi.com/v3/users" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "INDIVIDUAL",
    "signedAgreementId": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "requestId": "705f1f8b-a080-467c-b683-174eca409928"
  }'

Response:

{
    "id": "usr_9RJb0KUrhugQ7uMZL5UML",
    "type": "INDIVIDUAL",
    "createdAt": "2026-07-12T21:19:32.760Z",
    "updatedAt": "2026-07-12T21:19:32.760Z"
}

Option 2: Use HIFI’s Hosted ToS Link

Alternatively, you can collect user consent through HIFI-hosted pages. This approach provides explicit proof of consent and is useful when you want HIFI to handle the ToS presentation.

How It Works

Create a unique ToS link and share it with your user.
The user reviews and accepts HIFI’s terms and privacy policy via the hosted page.
When the user accepts, HIFI sends a webhook message indicating the ToS link has been accepted.
Create the user account, passing the ToS Link ID as signedAgreementId.

Generate ToS link

When the user accepts your privacy policy (which includes HIFI’s terms by reference), generate a HIFI ToS Link in the backgroundRequest:

curl -X POST "https://sandbox.hifi.com/v3/tos-link" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "idempotencyKey": "{{$guid}}"
   }'

Response:

{
    "id": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "url": "https://app.hifi.com/tos?sessionToken=05477964-f29c-444d-abd6-36380980567f&sandbox=true",
    "signed": false,
    "sessionToken": "05477964-f29c-444d-abd6-36380980567f",
    "createdAt": "2026-07-12T21:17:13.096Z",
    "expiredAt": "2026-07-17T21:17:12.329Z"
}

Share the ToS Link with your user

Display the ToS page to your user (via link or embedded). User reviews and accepts HIFI’s terms and privacy policy.

Wait for webhook message

After the ToS Link is accepted, HIFI will send out webhook message to the registered URL.Response:

{
    "id": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "url": null,
    "signed": true,
    "sessionToken": "05477964-f29c-444d-abd6-36380980567f",
    "createdAt": "2026-07-12T21:17:13.096Z",
    "expiredAt": "2026-07-17T21:17:12.329Z"
}

Create User

Create User with the accepted ToS Link IDRequest:

curl -X POST "https://sandbox.hifi.com/v3/users" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "INDIVIDUAL",
    "signedAgreementId": "48867c6c-1748-49a9-8e64-ed48f6815213",
    "requestId": "705f1f8b-a080-467c-b683-174eca409928"
  }'

Response:

{
    "id": "usr_9RJb0KUrhugQ7uMZL5UML",
    "type": "INDIVIDUAL",
    "createdAt": "2026-07-12T21:19:32.760Z",
    "updatedAt": "2026-07-12T21:19:32.760Z"
}

Custom Templates & Redirect

White-label the ToS page with your branding and include a redirect URL for once the user accepts the terms of service:

Upload Branding: Upload your company logo via https://app.hifi.com/sandbox/developer/template
Receive Template ID: Once the logo is uploaded, you will receive the template ID on the same page
Use Template ID: Include templateId when generating ToS Link
Include redirect URL: Include redirectUrl when you want to send user to a different page once terms of service is accepted.

curl -X POST "https://sandbox.hifi.com/v3/tos-link" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "idempotencyKey": "a4f8b3c2-1d5e-4a7b-9c8d-3e2f1a0b9c8d",
    "redirectUrl": "https://yourapp.com/onboarding/complete",
    "templateId": "35f754bc-ca86-4d32-a4b5-20b93671ab79"
  }'

Getting Help

📧 Email: support@hifi.com
💬 Slack: Message us in our shared Slack channel

Users - Create user accounts after ToS acceptance
HIFI Terms & Conditions - View the terms users accept
HIFI Privacy Policy - View the privacy policy users accept

Introduction

Core concepts

Features

Compliance

Payments

References

Terms of Service

Option 1: Reference Terms

How It Works

Implementation

Option 2: Use HIFI’s Hosted ToS Link

How It Works

Custom Templates & Redirect

Getting Help

​Option 1: Reference Terms

​How It Works

​Implementation

​Option 2: Use HIFI’s Hosted ToS Link

​How It Works

​Custom Templates & Redirect

​Getting Help

​Related Resources

Option 1: Reference Terms

How It Works

Implementation

Option 2: Use HIFI’s Hosted ToS Link

How It Works

Custom Templates & Redirect

Getting Help

Related Resources