Acceptable Use Policy

Este policy sets out el comercios y activities RapidCents will no process para, el comercios it will process para solo con prior written approval, y el conduct rules ese apply a cada Comerciante. It es incorporated into el Services Agreement en clause B.5, so un breach de este policy es un breach de el Agreement. Seven categories son governed por different law en Canada y en Estados Unidos — clause 5 states each de them separately y governs wherever it differs desde el rest de este policy. RapidCents does no onboard cannabis comercios o gambling comercios en either country.

1. Quién este policy binds, y cómo it fits el Services Agreement

Este policy applies a cada Comerciante ese holds un RapidCents cuenta, a cada person un Comerciante authorizes a use el Services en its behalf, y a cada Transacción submitted mediante el Services. It applies a un applicant desde el moment un application es made, it continues a apply para as long as la cuenta es open, y it continues a apply a any Transacción submitted antes de la cuenta closed.

Clause B.5 de el Services Agreement incorporates este policy por reference. Accepting el Agreement es accepting este policy, y un breach de este policy es un breach de el Agreement. Clause B.5 permits RapidCents a suspend el Services immediately y sin prior notice y a hold funds while it investigates; clause F.1.3 permits RapidCents a terminate. Clause 9 below sets out cómo those powers son exercised.

Este policy es no un substitute para el law. UN Comerciante es responsible para identifying y complying con el law ese applies a qué it sells, dónde it sells it y a whom, including licensing, protección del consumidor, product safety, advertising, sanctions, Privacidad y anti-money-laundering requirements. Nothing en este policy permits un activity ese el law, el Network Rules o el Adquirente prohibits, y nothing en it obliges RapidCents a process para un comercio merely because ese comercio es no named as prohibited.

Dónde este policy differs desde el Network Rules, o desde un requirement imposed en RapidCents por el Adquirente, el Associations o un regulator, ese requirement prevails y RapidCents will apply it.

2. Cómo este policy works: Prohibited, Restricted, y el rules para everyone

Three tiers. Prohibited means RapidCents will no process para usted y there es nothing a apply para. Restricted means it may, but solo if it has approved su comercio en writing antes de su first Transacción y usted keep a el conditions it sets. El conduct rules en clause 6 apply a everyone. If su comercio es no named anywhere here, ese es no approval — ask antes de usted sell.

Este policy works en three tiers.

• Prohibited. RapidCents will no process Transacciones para these comercios o activities. There es no application process para un prohibited category y no exception es available en request. Clause 3 lists them.
• Restricted. RapidCents may process para these comercios, but solo dónde it has approved el comercio en writing antes de el first Transacción, y solo en el conditions it sets. Clause 4 lists them.
• General conduct. Clause 6 applies a cada Comerciante, en cada category, whether o no el Comerciante’s comercio es named anywhere else en este policy.

Written approval de un Actividad comercial restringida means un approval given por RapidCents en writing ese identifies el comercio y el activity approved. Approval given para one product, one channel, one country o one entity es no approval de another. Silence es no approval, un approved cuenta es no un approved category, y el fact ese un Transacción fue authorized y settled does no mean el underlying comercio fue approved.

Approval de un Actividad comercial restringida es normally conditional. El conditions RapidCents may impose include evidence de cada licence, registro o permit el activity requires y de its continued validity; un Reserve under clause C.7 de el Agreement; limits en Transacción size, monthly volume, importe promedio por transacción o el proportion de tarjeta no presente Transacciones; un longer liquidación o abono de fondos al comercio delay; additional evaluación de admisión y riesgos de el comercio, its principals y its beneficial owners; additional revelación de información a Clientes antes de they pay; y re-verification en intervals RapidCents sets. Failing a meet un condition, o allowing un licence a lapse, ends el approval.

RapidCents determines que tier un comercio falls en y que category within ese tier, y its determination es final. UN comercio ese es no named en este policy es no permitted para ese reason: RapidCents may treat it as falling within un category ese es named, o may decline it. UN Comerciante ese es uncertain must ask antes de submitting un Transacción rather than después de.

3. Prohibited comercios y activities

RapidCents will no process Transacciones para el comercios y activities set out en este clause. Ese es so whether el activity es el whole de el Comerciante’s comercio o one line within it, y whether el Comerciante sells it directly o facilitates another person selling it.

El tables below describe categories rather than listing exhaustively cada comercio ese falls within one. UN comercio ese es materially similar a one described here es prohibited even though its own description es no reproduced, y RapidCents may add a these tables under clause 11.

Cannabis, firearms y ammunition, gambling y games played para money, tobacco y nicotine Productos, pharmaceuticals y telemedicine, criptomoneda y digital assets, y money services y remesa son each governed por different law en Canada y en Estados Unidos. Clause 5 states el treatment de each y prevails over este clause wherever it differs desde it. Cannabis y gambling son prohibited en both countries.

UN Comerciante ese es, o becomes, un comercio described en este clause es en breach de este policy desde el moment ese es so, whether o no it has told RapidCents y whether o no RapidCents has yet discovered it. Approval de una cuenta, o de any otro part de el Comerciante’s comercio, es no approval de un prohibited activity.

Illegal activity, sanctions y exploitation

Category	Qué este covers
Illegal goods, services y activity	Anything whose sale, purchase, possession, import o promotion es unlawful dónde el Comerciante operates o dónde el Cliente es located, y anything sold en order a evade un legal prohibition.
Sanctioned persons, entities y jurisdictions	Dealing con un person o entity named en un Canadian, Estados Unidos, United Nations o otro applicable sanctions list, con un person acting en su behalf, o en o into un jurisdiction subject a comprehensive sanctions.
Money laundering y terrorist financing	Any Transacción intended a conceal el origin, ownership o control de funds, a move funds en behalf de un person quién could no move them en su own name, o a finance terrorism o violent extremism.
Child sexual abuse material y exploitation de minors	Any depiction, sale, distribution o facilitation de el sexual exploitation de un minor, y any product o service ese sexualizes un minor. RapidCents reports este y es no required a notify el Comerciante ese it has done so.
Human trafficking, forced labour y coerced services	Recruitment, transport, harbouring o sale de un person, y any service performed under coercion o en conditions de forced labour.
Adult content y adult services	Pornography y sexually explicit material en any medium, live adult performance, escort, companionship-para-pago y sexual services, y platforms whose principal purpose es a distribute o arrange them.

Counterfeit, stolen y infringing goods

Category	Qué este covers
Counterfeit goods y intellectual property infringement	Replica, imitation y unauthorized branded goods; unlicensed copies de software, media, courses o publications; unauthorized streaming y access devices; y any sale ese infringes un trade-mark, copyright o patent.
Stolen goods y unlawfully obtained property	Goods known o reasonably suspected a ser stolen, y property obtained por fraud, theft o deception, including cuenta credentials, tarjeta numbers, personal identifiers y identity documents.

Weapons, explosives y controlled substances

Category	Qué este covers
Weapons prohibited por law y military-grade weapons	Weapons ese un person may no lawfully possess en el country de sale, military ordnance y armament, y equipment restricted under export control legislation.
Untraceable y self-manufactured firearms	Firearms sin un serial number, unfinished receivers y frames sold para finalización, 3D-printed firearms y el files, jigs o kits sold a produce them, y devices ese convert un firearm a automatic fire.
Explosives y destructive devices	Explosive material, detonators, blasting supplies y destructive devices. Consumer fireworks son dealt con en clause 4.
Controlled substances y precursor chemicals	Substances controlled under Canadian o Estados Unidos federal law, chemicals whose principal use es a manufacture them, y paraphernalia sold para use con them.
Cannabis y cannabis-derived Productos	Cannabis comercios de cada kind, en Canada y en Estados Unidos, whether o no el comercio es licensed: retail stores y dispensaries, producers, processors, delivery y en línea sale, y cannabis-derived Productos including CBD y hemp-derived Productos. RapidCents does no onboard cannabis comercios.
Productos marketed as substitutes para controlled substances	Synthetic cannabinoids, research chemicals sold para consumption, kratom, nitrous oxide sold para inhalation, y any product sold en el basis ese it produces el effect de un controlled substance while avoiding its schedule.

Health Productos, health claims, tobacco y nicotine

Category	Qué este covers
Unapproved, banned y recalled health Productos	Drugs, medical devices y natural health Productos ese lack el approval, licence o registro su sale requires en el country de sale, y any product subject a un recall o un sale prohibition.
Unapproved health claims	Any product o service sold en un claim a prevent, treat, cure o diagnose un disease o condition ese it es no authorized a make, y any weight-loss, fertility, cognitive, longevity o performance claim ese es no substantiated.
Remote sale de tobacco, vaping y nicotine Productos	Sale de cigarettes, cigars, smokeless tobacco, e-cigarettes, e-liquids, nicotine pouches y heated tobacco Productos en línea, por telephone o por mail order. Tarjeta-present sale en un licensed retail location es dealt con en clauses 4 y 5.

Financial schemes, credit y fundraising

Category	Qué este covers
Pyramid schemes, multi-level marketing y matrix programs	Any plan whose participants son paid principally para recruiting further participants rather than para selling un product a un end Cliente, y any program ese requires un pago en order a join un chain de pagos.
Get-rich-quick, income-opportunity y investment schemes	Offers whose value a el buyer depends en un promised return, including el sale de trading signals y algorithms, guaranteed-return offers, y comercio o income opportunities sold en un earnings claim.
Payday lending, advance-comisión loans y predatory credit	Short-term high-cost lending, any credit offer ese requires una comisión antes de credit es advanced, y lending en un rate o en Términos ese el law de el borrower’s jurisdiction does no permit.
Credit repair y debt elimination	Any service offered en el basis ese accurate information will ser removed desde un credit file, ese un lawful debt puede ser extinguished o disowned, o ese un new credit identity puede ser created.
Unregistered charities y unauthorized fundraising	Solicitation de donations por un organization ese es no registered dónde registro es required, y fundraising conducted para un purpose otro than el one disclosed a el donor. Registered charities son dealt con en clause 4.
Bail bonds	Posting, evaluación de admisión y riesgos o financing bail para una comisión, y related surety services.

Digital assets y el movement de money

Category	Qué este covers
Criptomoneda, digital assets y NFTs	Exchange, brokerage, custody, mining, staking, initial coin offering, token issuance y NFT issuance o primary sale. See clause 5, que states el position en each country.
Money transmission, remesa y peer-a-peer transfer	Transmitting funds para another person, moneda exchange, remesa, transferencia bancaria, cheque cashing, stored-value issuance y peer-a-peer pago services. See clause 5.
Aggregation y procesamiento para others	Submitting Transacciones en behalf de another comercio, sharing una cuenta con another comercio, passing another comercio’s sales mediante el Comerciante’s cuenta, y acting as un pago intermediary. Clause B.4(g) de el Agreement prohibits este independently de este policy.

Personal data, reputation y academic integrity

Category	Qué este covers
Sale de información personal y lead lists	Sale, licensing o brokerage de información personal, marketing lists, Contacto databases y consumer profiles, whether o no el individuals consented a el original collection.
Sale de engagement, followers, reviews y ratings	Supply de followers, likes, views, votes, reviews, ratings o endorsements ese do no originate desde un genuine independent user, y services ese create, inflate o remove them.
Essay mills y academic fraud	Preparation de work a ser submitted as un student’s own, sale de examination o assessment content, y impersonation de un student en un assessment.
Fortune telling, psychic y occult services	Clairvoyance, mediumship, spell work, curse removal y comparable services sold as producing un outcome ese cannot ser substantiated.

Cuenta y Transacción integrity

Category	Qué este covers
Shell entities y Transacciones con no commercial purpose	UN comercio con no genuine trading activity, any Transacción ese does no correspond a un real sale de goods o services a un real Cliente, y procesamiento el Comerciante’s own tarjeta, o ese de its principals, otro than para un genuine purchase.
Delivery more than one year after pago	Any sale en que el goods o services son no a ser delivered o performed within twelve (12) months de el Transacción, y any depósito taken against such un sale.
Comercios previously terminated o listed	UN comercio, o un comercio controlled por un person, ese RapidCents has previously terminated, o ese appears en un terminated comerciante file maintained por un Association, para as long as el listing stands.
Gambling y games played para money	Casino, sportsbook, lottery, wagering, fantasy contests y games de chance o skill played para money o anything de value, en Canada y en Estados Unidos, whether o no el operator es licensed. RapidCents does no onboard gambling comercios. Video games y gaming applications en que nothing de value es wagered o won son no within este row.

4. Restricted comercios requiring written approval

El comercios en este clause may ser approved. None de them may submit un Transacción antes de RapidCents has approved ese comercio en writing, y each es approved en conditions.

El second column de each table states qué RapidCents normally requires antes de it will approve el category. It es el starting point y no el whole de it: RapidCents may impose any de el conditions described en clause 2, may impose más than one, y may vary them en any time under clause 8 while la cuenta es open.

Firearms y ammunition, licensed pharmacy y telemedicine, y la tarjeta-present sale de tobacco y nicotine Productos son también governed por clause 5, que prevails over este clause wherever it differs desde it.

Un approval lapses if un licence, registro o permit relied en para it expires, es suspended, es revoked o es materially varied. El Comerciante must tell RapidCents within five (5) comercio days de ese happening.

Submitting un Transacción para un Actividad comercial restringida antes de RapidCents has approved it en writing es un breach de este policy, y RapidCents may respond a it under clause 9 as it would respond a un prohibited activity.

Fundraising, memberships y recurring commitments

Category	Normally required before approval
Registered charities y non-profits	Evidence de charitable registro o non-profit status, el identity de directors, y confirmation ese funds son solicited para el purpose disclosed a el donor.
Crowdfunding y donation platforms	Evaluación de admisión y riesgos de el platform y de cómo it screens el campaigns it hosts, un Reserve, y limits en campaign size y abono de fondos al comercio timing.
Suscripción boxes y membership clubs	Revelación de información de renewal Términos, price y cancellation method en el punto de venta (POS), y un Reserve sized a el unfulfilled term.
Gyms, fitness studios y long-term memberships	Compliance con prepaid-services y contract-cancellation legislation en el province o state de sale, y un Reserve sized a unearned membership comisiones.

Selling en persona, por telephone y en el door

Category	Normally required before approval
Door-a-door y direct sales	Direct-sales licensing dónde el province o state requires it, el cancellation rights el law de el buyer’s jurisdiction gives, y el contract y script used.
Outbound telemarketing	Registro dónde required, compliance con el National Do No Call List en Canada y el equivalent registries en Estados Unidos, call-recording practice, y el script used.
Seminars, coaching y comercio-opportunity training	El materials sold, any earnings claim made y el evidence substantiating it, el política de reembolsos, y un Reserve sized a programs paid para y no yet delivered.
Talent, modelling y casting agencies	Licensing dónde el province o state requires it, y confirmation ese no comisión es charged para representation ese es no en fact provided.

Travel, events y anything delivered later

Category	Normally required before approval
Evento ticketing, ticket resale y evento planning taking depósitos	Evidence ese el evento exists y es contracted, el reembolso y política de cancelación, y un Reserve sized a tickets sold para events no yet held.
Travel agencies, tour operators y airlines	Travel-seller registro dónde required, participation en un compensation fund dónde el province requires it, evidence de supplier arrangements, y un Reserve sized a bookings no yet travelled.
Lodging, short-term rental y hospitality	Municipal licensing y registro dónde required, el depósito y política de cancelación, y confirmation de quién es responsible para resolving un guest disputa.

High-value, resale y stored-value goods

Category	Normally required before approval
Auction houses, pawnbrokers y consignment	Provincial, state o municipal licensing, records de provenance, y confirmation ese no item es accepted sin proof de title.
Art, collectibles, antiques y precious metals	Authentication y provenance practice, dealer registro dónde el law requires it, y un Reserve reflecting importe promedio por transacción size.
Jewellery y luxury goods	Sourcing y authentication practice, fraud-screening controls para tarjeta no presente sales, y un Reserve.
Prepaid y tarjeta de regalo sales	Confirmation ese el product es closed-loop y redeemable solo against el Comerciante’s own goods y services. Open-loop prepaid y stored-value issuance es dealt con en clauses 3 y 5.

Regulated goods

Category	Normally required before approval
Firearms retail, ammunition y components	El licensing set out en clause 5, un age- y eligibility-verification process applied antes de transfer, y confirmation ese no item prohibited por clause 3 es sold.
Knives, martial arts equipment, pepper spray y personal defence Productos	Confirmation ese each item es lawful a sell y a possess en cada jurisdiction el Comerciante ships into, y age verification en el punto de venta (POS).
Fireworks y pyrotechnics	Federal, provincial o state licensing, storage y transport compliance, y restriction a el classes el licence covers.
Laboratory y research chemicals	Cliente-verification practice, confirmation ese no controlled precursor es sold, y refusal de consumer sales dónde el product es no un consumer product.

Health, wellness y animal care

Category	Normally required before approval
Nutraceuticals y supplements	Product licensing o registro dónde required, el claims made y el evidence substantiating them, y un Reserve dónde el offer es un suscripción o un trial ese converts a one.
Licensed pharmacy	Pharmacy licensing en cada jurisdiction dispensed into, prescriber verification, y el conditions set out en clause 5.
Licensed telemedicine y en línea prescribing	Prescriber licensing en el patient’s jurisdiction, un description de el consultation model used, y el conditions set out en clause 5.
Veterinary telehealth	Veterinary licensing en el jurisdiction served, y confirmation ese no controlled substance es prescribed remotely dónde ese es no permitted.

Technology, marketing y professional services

Category	Normally required before approval
Search engine optimization y digital marketing services	El deliverables sold, any ranking o results claim made, el política de reembolsos, y un Reserve dónde comisiones son billed en advance.
Web hosting, domain sales y remote technical Soporte	Abuse-handling practice, confirmation ese no Soporte es sold en el basis de un unsolicited Contacto o un fabricated fault, y verificación de identidad de el Comerciante’s principals.
Computer y software resale	Sourcing evidence, el right a distribute any software sold, y fraud-screening controls para tarjeta no presente sales.
Publishing y self-publishing services	El services included, el delivery schedule, y un Reserve sized a work paid para y no yet delivered.
Legal services taking retainers	Confirmation de licensing a practise, y ese retainer funds son held as el governing law society o bar requires.
Debt liquidación y credit counselling	Licensing dónde el province o state requires it, comisión revelación de información antes de el Cliente commits, y confirmation ese no comisión es taken en advance dónde el law prohibits it.

Platforms, fulfilment, vehicles y virtual goods

Category	Normally required before approval
Marketplaces y platforms con su own sellers	Alta de vendedores y screening practice, el abono de fondos al comercio model, un Reserve, y un express written approval de el mercado en línea (marketplace) arrangement — sin que clause B.4(g) de el Agreement prohibits procesamiento para third parties.
Dropshipping y freight forwarding	Supplier arrangements, stated delivery times, el proportion de orders fulfilled por un third party, y un Reserve sized a undelivered orders.
Vehicle sales, towing, mobile repair y parts	Dealer o trade licensing dónde required, revelación de información de Precios antes de el service es performed, y confirmation ese no charge es raised sin el Cliente’s autorización.
Gaming, en-game moneda y virtual goods	Confirmation ese no item es exchangeable para money o anything de value outside el game, age verification, y un Reserve. Anything played para money es dealt con en clause 5.
Dating y companionship services	El service model, age y verificación de identidad, reembolso y cancellation Términos, y confirmation ese no sexual service es offered, arranged o facilitated.

Approved en el strength de el comercio rather than el product

Category	Normally required before approval
UN comercio trading under two years en un category RapidCents treats as high risk	Additional evaluación de admisión y riesgos de el comercio, its principals y its beneficial owners, un Reserve, volume y average-ticket limits, y re-verification en intervals RapidCents sets.
Un emerging industry whose regulatory treatment es no settled	UN written description de el activity y de el legal basis en que it es carried en, con approval limited a el activity described y reassessed as el regulatory position develops.

5. Categories treated differently en Canada y Estados Unidos

RapidCents processes en both countries, y el same product es no always treated el same way en each: un firearms dealer es approved against un different licence en each side de el border. Cannabis y gambling son no approved en either country, whatever un province o un state allows. Read el column para su country, no el otro one.

RapidCents processes en Canada y en Estados Unidos. El categories en este clause son governed por different law en each country, y para several de them un single rule stated para both would ser wrong en one de them. Este clause states el treatment de each category en each country y prevails over clauses 3 y 4 wherever it differs desde them.

Country means el country en que el Comerciante’s selling entity es established y desde que it sells. UN Comerciante ese sells into el otro country must satisfy el requirements de both, y RapidCents applies el stricter de el two.

Treatment por country

Category	Canada	Estados Unidos
Cannabis y cannabis-derived Productos	Prohibited. RapidCents does no onboard cannabis comercios en Canada, whether o no el comercio holds un licence issued under el Cannabis Act o un provincial o territorial autorización, y no approval es available. Ese includes licensed retail stores, producers, processors y delivery, y cannabis-derived Productos including CBD y hemp-derived Productos.	Prohibited. Cannabis remains un controlled substance under Estados Unidos federal law, y state legalization does no change ese. Hemp-derived y CBD Productos son también declined under este policy, whether o no un particular product es federally lawful, because RapidCents does no underwrite ese distinction.
Firearms, ammunition y components	Restricted. Approval requires un comercio firearms licence issued under el Firearms Act para el activity carried en, verification de el purchaser’s licence y eligibility antes de transfer, y restriction a non-restricted items unless RapidCents approves otherwise en writing. Prohibited firearms y devices, y el items listed en clause 3, may no ser sold en all.	Restricted. Approval requires un current Federal Firearms Licence para el activity carried en, un documented background-check process operated mediante un licensee, y compliance con el law de cada state shipped into. Unserialized firearms, unfinished receivers y conversion devices may no ser sold en all.
Gambling, betting y games de chance o skill played para money	Prohibited. RapidCents does no onboard gambling comercios en Canada, including operators licensed, registered o authorized por un province o territory, y no approval es available.	Prohibited. RapidCents does no onboard gambling comercios en Estados Unidos, including operators licensed por un state o relying en un offshore licence, y no approval es available.
Tobacco, vaping y nicotine Productos	Remote sale es prohibited under clause 3. Tarjeta-present sale en un licensed retail location es Restricted y requires el applicable provincial tobacco o vapour-Productos retail licence, age verification en el punto de venta (POS), y compliance con provincial restrictions en flavours y nicotine concentration, que differ por province.	Remote sale es prohibited under clause 3, y federal law restricts shipping vapour y nicotine Productos por mail. Tarjeta-present sale en un licensed retail location es Restricted y requires el applicable state y local tobacco licence, age verification en el punto de venta (POS), y compliance con state restrictions en flavoured Productos, que differ por state.
Pharmaceuticals, pharmacy y telemedicine	Restricted. UN pharmacy must ser licensed por el regulatory college de cada province it dispenses into. UN telemedicine service must use prescribers licensed en el patient’s province, y un prescription must follow un assessment por ese prescriber; un questionnaire completed sin one es no accepted. Controlled substances may no ser prescribed o dispensed en un remote consultation dónde el province does no permit it.	Restricted. UN pharmacy must hold un licence en cada state it dispenses into y, dónde el activity requires it, un DEA registro. UN telemedicine service must use prescribers licensed en el patient’s state, y prescribing un controlled substance remotely es subject a federal requirements ese un questionnaire does no satisfy. Sale de prescription drugs sin un prescription, y importation para resale, son prohibited under clause 3.
Criptomoneda, digital assets y NFTs	Prohibited. Exchange, brokerage, custody, mining, token issuance y NFT issuance son no supported. UN comercio dealing en moneda virtual es una empresa de servicios monetarios required a register con FINTRAC, y RapidCents does no underwrite el category. UN Comerciante ese takes tarjeta pago para ordinary goods y services, y separately holds digital assets en its own cuenta, es no within este row para ese reason alone.	Prohibited, en el same Términos. UN comercio exchanging, transmitting o administering moneda virtual es una empresa de servicios monetarios required a register con FinCEN y, en most states, a hold un money transmitter licence. RapidCents does no underwrite el category.
Money services, remesa y peer-a-peer transfer	Prohibited sin RapidCents’ prior written approval. Approval requires el Comerciante’s own registro as una empresa de servicios monetarios con FINTRAC, evidence de its programa de cumplimiento, y el Adquirente’s consentimiento, que may no ser given. Handling funds para another person sin ese approval breaches este policy y clause B.4(g) de el Agreement.	Prohibited sin RapidCents’ prior written approval. Approval requires el Comerciante’s own registro as una empresa de servicios monetarios con FinCEN, un money transmitter licence en cada state it serves o un documented exemption, evidence de its programa de cumplimiento, y el Adquirente’s consentimiento, que may no ser given.

Este clause states cómo RapidCents underwrites these categories. It es no legal advice, y it does no relieve un Comerciante de el obligation a determine para itself qué el law de its own jurisdiction requires de it.

6. Conduct rules ese apply a cada Comerciante

These rules apply a cada Comerciante, en cada category, including un Comerciante en un approved Restricted category y un Comerciante whose comercio es no named anywhere en este policy.

• Lawful use. Use el Services solo para lawful purposes, y solo en un manner consistent con el Agreement, el Network Rules y el law de cada jurisdiction el Comerciante sells into.
• Own sales solo. Use el Services solo a take pago para el Comerciante’s own genuine goods y services, sold a un real Cliente. Do no submit un Transacción en behalf de another comercio, para un person quién could no obtain una cuenta de su own, o para anything el Comerciante has no en fact sold.
• Accurate description. Describe accurately y completely qué es being sold, including el price, la moneda, el total el Cliente will ser charged, cuando it will ser delivered, y el name el Comerciante trades under. Use un billing descriptor el Cliente will recognize.
• No deceptive o high-pressure selling. Do no use false scarcity, un countdown ese resets, un pre-checked consentimiento, un undisclosed negative option, un obstructed cancellation path, o any otro practice designed a obtain un pago el Cliente would no otherwise have made.
• No hidden charges. Disclose cada charge antes de el Cliente pays, including shipping, taxes, conversión de divisas, y cada recurring amount y el date en que each will ser taken. Do no raise un charge el Cliente has no authorized.
• No fabricated endorsement. Do no publish o commission un testimonial, review, rating o endorsement ese es no genuine, y do no suppress genuine ones en order a misrepresent el balance de opinion.
• No unsubstantiated claims. Do no make un claim Acerca de results, income, health o performance ese cannot ser substantiated en el evidence held en el time el claim es made.
• Electronic messages. Send commercial electronic messages solo con el consentimiento, identification y unsubscribe mechanism Canada’s Anti-Spam Legislation requires, y comply con el equivalent requirements en Estados Unidos. Honour un unsubscribe request promptly.
• No abuse de others. Do no use el Services en connection con harassment, threats, defamation, hate speech, o el promotion de violence o self-harm.
• Información personal. Collect y use información personal solo dónde there es un lawful basis y, dónde required, consentimiento; keep it solo as long as it es needed; y protect it. Datos del titular de la tarjeta must ser handled as clause D.2 de el Agreement y el PCI DSS require.
• No circumvention. Do no evade, disable o interfere con RapidCents’ risk, fraud, verification o compliance controls, y do no misrepresent un Transacción’s nature, amount, moneda, country o Cliente en order a obtain una autorización.
• One cuenta. Do no open o operate un second cuenta, o una cuenta en el name de another person o entity, en order a evade un limit, un Reserve, un suspension, un termination o un listing en un terminated comerciante file.

7. Su approved comercio type, y telling us antes de it changes

UN RapidCents cuenta es approved para el comercio described en el Comerciante’s application: qué it sells, cómo it sells it, el countries it sells into, el channels it uses, y el average y maximum Transacción size it stated. Ese description, together con any condition imposed under clause 4, defines qué la cuenta es approved a process.

El Comerciante must tell RapidCents en writing antes de, y no después de, it does any de el following: adds un product o service line ese falls en un Restricted o Prohibited category, o ese materially differs desde qué it described; begins selling into un country it did no describe; adds un sales channel it did no describe, including moving desde tarjeta-present a tarjeta no presente selling o beginning a sell por telephone o en el door; changes its ownership, its control o el entity ese trades; materially increases its average Transacción size o its monthly volume beyond qué it described; o begins taking pago para goods o services a ser delivered materially later than it described.

Approving una cuenta es no approving everything el Comerciante may later add a it. UN product added después de approval es subject a este policy as it stands cuando el product es added, y neither el passage de time nor el fact ese Transacciones para it have been authorized y settled makes it approved.

UN Comerciante ese moves into un Prohibited category es en breach de este policy desde el moment it does so, whether o no it has told RapidCents y whether o no RapidCents has discovered it. UN Comerciante ese moves into un Restricted category sin written approval es en breach desde el moment it submits el first Transacción para ese activity.

8. Monitoreo, evidence y classification

RapidCents assesses un comercio cuando it applies, y continues a assess it para as long as la cuenta es open. Assessment includes review de el application y el documents supporting it, verification de identity y beneficial ownership under el KYC Policy, sanctions y adverse-media screening, review de el Comerciante’s website, marketing, Términos y política de reembolsos, monitoreo de Transacción, Contracargo, reembolso y complaint patterns against el thresholds referred a en clause B.5 de el Agreement, y information received desde el Adquirente, el Associations, un regulator o un Cliente.

RapidCents may en any time require el Comerciante a provide, within el time RapidCents specifies: any licence, registro, permit o autorización relied en para approval y evidence ese it remains valid; un description de el goods o services sold y de el claims made Acerca de them; supplier, sourcing o fulfilment records; el identity de principals y beneficial owners con supporting identification; financial estados de cuenta, banco estados de cuenta y procesamiento history; el Comerciante’s policies para age verification, reembolsos, cancellation y gestión de quejas; y any otro information RapidCents reasonably requires en order a assess compliance con este policy. Failure a provide it, within el time specified, es itself un ground para suspension under clause B.5 de el Agreement.

RapidCents determines que category un comercio falls en, whether it es Prohibited o Restricted, y whether un condition de approval has been met. Ese determination es RapidCents’ a make y es final. RapidCents may reassess any comercio en any time, including one it has already approved, y may withdraw un approval, impose un new condition, vary un Reserve o reclassify el comercio, en notice mediante el panel de control del comercio o por email.

Monitoreo es carried out para RapidCents’ own risk y compliance purposes. It es no un review conducted para el Comerciante’s benefit, y el fact ese RapidCents has no raised un issue does no mean el Comerciante es compliant con este policy.

9. Qué happens if usted breach este policy

RapidCents puede switch off procesamiento sin warning, hold el money en su cuenta y put un Reserve en place while it investigates, y close la cuenta. It decides qué un breach warrants, y it does no have a warn usted first o give usted time a fix it.

Dónde RapidCents reasonably suspects ese un Comerciante has breached este policy, it may do any de el following, en any order y sin prior notice: suspend el Services en whole o en part under clause B.5 de el Agreement; decline o reverse individual Transacciones; hold el funds en el Comerciante’s cuenta y any funds en transit until its investigation y any related disputa son resolved; establish o increase un Reserve under clause C.7 de el Agreement, o extend el period para que un Reserve es held; change el calendario de desembolsos o suspend payouts under clause C.6; require el Comerciante a correct el breach within un time RapidCents specifies; withdraw un approval given under clause 4; y terminate el Agreement under clause F.1.3.

Funds held under este clause do no bear interest payable a el Comerciante, as clauses C.6 y C.7 de el Agreement provide. Suspension o termination does no release el Comerciante desde liability para Transacciones already processed, including Contracargos y reembolsos ese arise afterwards, as clause UN.5 de el Agreement provides.

El Comerciante must cooperate con un investigation under este clause y must provide el information RapidCents requests under clause 8. RapidCents may continue a hold funds until its investigation, y any inquiry por el Adquirente, un Association, un regulator o un law-enforcement authority, es resolved a RapidCents’ satisfaction.

RapidCents decides qué response un breach warrants. It may act en un first breach; it es no required a give un warning, a allow un period en que a cure el breach, o a respond as it has responded a another Comerciante o a el same Comerciante en un earlier occasion.

10. Reporting, recovery de costs, y no waiver

RapidCents may report un breach de este policy, y el facts surrounding it, a el Adquirente, a el Associations, a un red de tarjetas terminated comerciante file, y a un regulator, un law-enforcement authority o un court, dónde it es required o permitted a do so. Dónde Canadian anti-money-laundering legislation requires un report a FINTRAC, RapidCents will make it, y it will no tell el Comerciante ese it has done so dónde el law prohibits it desde doing so.

Listing en un terminated comerciante file es un consequence de termination ese RapidCents does no control once el listing es made. El file es maintained por el Association concerned, y un listing generally makes it difficult para el Comerciante a obtain tarjeta procesamiento elsewhere para el period el Association sets.

El Comerciante must reimburse RapidCents para el amounts RapidCents actually incurs as un result de el Comerciante’s breach de este policy. Those amounts son: fines y assessments actually levied en RapidCents o en el Adquirente por un Association o un regulator y passed en a RapidCents; el cost de un investigation, audit o forensic review actually carried out because de el breach; Contracargos, reembolsos y losses arising desde el activity en breach; y legal y professional comisiones actually incurred. RapidCents will, en request, provide evidence de el amount claimed y de qué it fue levied o incurred para.

Este clause es un right de recovery y no un penalty. RapidCents does no charge una comisión para breaching este policy y does no claim un amount exceeding qué it has actually incurred. Ese es consistent con clause UN.4 de el Agreement, under que RapidCents charges no cargo por cancelación anticipada y imposes no cancellation penalty de any kind, y clause B.5 de el Agreement — under que el Comerciante reimburses la comisiones, fines, losses y costs RapidCents incurs — es a ser read el same way. Un amount recoverable under este clause may ser set off against funds held, as clause F.9 de el Agreement provides.

No exercising un right under este policy, o delaying en exercising it, es no un waiver de ese right o de any otro right, y es no un waiver de el same right en un later occasion. Permitting un activity once, o failing a detect it, does no approve it. UN waiver es effective solo if RapidCents gives it en writing, y it extends solo as far as its Términos.

11. Changes a este policy

RapidCents may change este policy. El effective date y el date last revised appear en el top de este page, y el current version es el one published en rapidcents.com. Dónde un change adds un category a clause 3 o clause 4, o imposes un new condition en un existing category, RapidCents will give notice mediante el panel de control del comercio o por email antes de el change takes effect — except dónde el change es required por law, por un regulator, por el Adquirente o por el Network Rules, en que case it takes effect cuando RapidCents applies it.

Continuing a use el Services después de un change takes effect es acceptance de el changed policy. UN Comerciante ese does no accept un change may close its cuenta under clause F.1.2 de el Agreement, que RapidCents charges nothing a do.

UN question Acerca de whether un comercio falls within este policy, y un request para approval de un Actividad comercial restringida, should ser sent a[email protected]antes de el first Transacción rather than después de it.