Acceptable Use Policy

1. Purpose

This Acceptable Use Policy ("AUP") outlines the permitted and prohibited uses of the Polapine Digital payment orchestration platform ("Platform"). All merchants and users of our Platform must comply with this policy. Violation of this AUP may result in immediate suspension or termination of your account.

2. Permitted Uses

You may use the Platform to:

• Process legitimate payment transactions for lawful goods and services
• Route transactions through connected payment gateways
• Generate payment links for customer invoicing
• Access transaction analytics, reports, and dashboards
• Integrate our API into your applications for payment processing
• Connect your own payment gateway API keys (BYOK)
• Manage payouts and withdrawals according to your plan terms

3. Prohibited Business Categories

You may not use the Platform to process payments for the following business categories:

• Illegal drugs, controlled substances, or drug paraphernalia
• Weapons, ammunition, or explosives (where prohibited by law)
• Human trafficking or exploitation of any kind
• Child exploitation material or services
• Terrorism or terrorist financing
• Pyramid schemes, Ponzi schemes, or multi-level marketing scams
• Counterfeit goods or intellectual property infringement
• Unlicensed pharmaceutical products
• Services designed to facilitate illegal activities
• Any goods or services illegal in the buyer's or seller's jurisdiction

4. Prohibited Activities

You may not engage in the following activities on our Platform:

4.1 Fraudulent Activities

• Processing transactions with stolen or unauthorized payment credentials
• Creating fraudulent or fictitious transactions
• Card testing or BIN attacks using our payment infrastructure
• Misrepresenting the nature of transactions or your business
• Processing transactions for which goods/services will not be delivered
• Identity theft or impersonation

4.2 Money Laundering & Financial Crimes

• Using the Platform to launder proceeds of criminal activity
• Structuring transactions to avoid reporting thresholds
• Processing payments to/from sanctioned individuals or entities
• Financing terrorism or proliferation of weapons of mass destruction

4.3 Technical Abuse

• Attempting to gain unauthorized access to the Platform or other accounts
• Introducing malware, viruses, or malicious code
• Performing denial-of-service attacks or load testing without authorization
• Scraping, crawling, or automated data extraction without permission
• Reverse engineering or decompiling Platform software
• Circumventing security measures, rate limits, or access controls
• Using the Platform to send spam or unsolicited communications

4.4 Platform Abuse

• Creating multiple accounts to circumvent restrictions or bans
• Manipulating transaction data or analytics
• Exploiting Platform features in unintended ways for unfair advantage
• Reselling or sublicensing Platform access without authorization
• Exceeding documented API rate limits or usage quotas

5. Transaction Integrity

All transactions processed through the Platform must:

• Represent genuine sales of goods or services
• Be authorized by the legitimate cardholder or account holder
• Accurately describe the goods/services being purchased
• Comply with applicable card network rules (Visa, Mastercard, etc.)
• Not be processed for the purpose of obtaining cash advances
• Not be split to avoid transaction limits or detection thresholds

6. Chargeback Thresholds

Merchants must maintain acceptable chargeback ratios. We reserve the right to:

• Suspend accounts exceeding a 1% chargeback ratio
• Require additional security deposits for elevated chargeback rates
• Terminate accounts with persistent excessive chargebacks
• Withhold payouts pending chargeback resolution

7. API Usage

When using our API, you must:

• Keep API keys confidential and secure
• Not share API credentials with unauthorized parties
• Respect documented rate limits and usage quotas
• Implement proper error handling and retry logic
• Not use the API to perform load testing without prior approval
• Promptly rotate credentials if a security breach is suspected

8. Reporting Violations

If you become aware of any violation of this AUP, please report it immediately to our team. We take all reports seriously and will investigate promptly.

9. Enforcement

Violations of this AUP may result in:

• Warning and request for corrective action
• Temporary suspension of account and/or payouts
• Permanent termination of account
• Forfeiture of security deposit to cover damages
• Reporting to law enforcement authorities where appropriate
• Legal action to recover damages

We reserve the right to take immediate action without prior notice in cases of severe violations that threaten Platform integrity or involve illegal activity.

10. Changes to This Policy

We may update this Acceptable Use Policy from time to time. Changes will be posted on this page. Continued use of the Platform after changes constitutes acceptance of the updated policy.

11. Contact Us

For questions about this Acceptable Use Policy, please contact us:

• Email: support@pd.cash
• Website: pd.cash