1. INTRODUCTION AND SCOPE

This Acceptable Use Policy ("AUP") governs the use of PrimeAIPay's payment orchestration platform services ("Services") provided by Cartnova Limited ("PrimeAIPay," "we," "us," or "our"). This AUP applies to all users, customers, merchants, and any other parties accessing or using our Services ("Users" or "you").

🔐 Compliance Notice

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this AUP, along with our Terms of Service, Privacy Policy, and any other applicable agreements. This AUP is incorporated by reference into our Terms of Service.

2. PERMITTED USES

2.1 General Permitted Activities

You may use our Services for legitimate business purposes, including but not limited to:

  • Processing legitimate payment transactions
  • Managing payment workflows and routing
  • Accessing analytics and reporting features
  • Integrating with approved payment processors and financial institutions
  • Using API services for legitimate business operations

2.2 Compliance Requirements

📋 All use of our Services must comply with:

  • Applicable laws and regulations in all relevant jurisdictions
  • Payment Card Industry Data Security Standards (PCI DSS)
  • Anti-Money Laundering (AML) regulations
  • Know Your Customer (KYC) requirements
  • Economic sanctions and trade restrictions
  • Consumer protection laws
  • Data protection and privacy regulations

3. PROHIBITED USES AND ACTIVITIES

⚠️ Important Notice

The following activities are strictly prohibited when using PrimeAIPay services. Violations may result in immediate account suspension or termination.

3.1 Illegal Activities

🚫 You may not use our Services for any illegal activities:

  • Money laundering or terrorist financing
  • Fraud, including payment fraud, identity theft, or account takeover
  • Any activity that violates criminal laws
  • Tax evasion or other forms of tax fraud
  • Bribery, corruption, or kickback schemes
  • Violations of economic sanctions or trade restrictions

3.2 Prohibited Business Types

Financial Services Restrictions

  • Unlicensed money services businesses
  • Ponzi schemes, pyramid schemes, or matrix programs
  • Investment opportunities with unrealistic returns
  • Unlicensed lending or credit services
  • Cryptocurrency exchanges without proper licensing
  • Initial Coin Offerings (ICOs) without regulatory compliance
  • High-risk investment products without appropriate disclosures

Adult and Age-Restricted Content

  • Adult entertainment services and products
  • Escort services or similar adult services
  • Age-restricted products sold to minors
  • Tobacco products (where prohibited by law)
  • Controlled substances or illegal drugs

Gambling and Gaming

  • Online gambling where prohibited by law
  • Unlicensed gaming or betting services
  • Daily fantasy sports without proper licensing
  • Lotteries without regulatory approval

Counterfeit and Illegal Goods

  • Counterfeit, replica, or unauthorized goods
  • Stolen goods or services
  • Goods or services that infringe intellectual property rights
  • Weapons, ammunition, or explosives
  • Illegal drugs or controlled substances
  • Human trafficking or forced labor services

3.3 Technical and Security Violations

Security and Technical Restrictions

  • Attempting to gain unauthorized access to our systems or data
  • Reverse engineering, decompiling, or disassembling our software
  • Using automated tools to access our Services without authorization
  • Interfering with or disrupting our Services or servers
  • Introducing malware, viruses, or other harmful code
  • Attempting to bypass security measures or authentication systems

4. MERCHANT AND BUSINESS REQUIREMENTS

4.1 Business Verification

📋 All merchants must provide:

  • Valid business registration and licensing documents
  • Proof of business address and operations
  • Detailed business and product/service descriptions
  • Financial statements or other financial verification
  • Beneficial ownership information
  • Principal identification and background verification

4.2 Ongoing Compliance Obligations

Merchants must maintain continuous compliance with all requirements:

  • Maintain valid business licenses and permits
  • Provide accurate and current business information
  • Implement appropriate fraud prevention measures
  • Maintain PCI DSS compliance where applicable
  • Report suspicious transactions or activities
  • Cooperate with compliance reviews and audits

4.3 Transaction Processing Requirements

✅ All transactions must:

  • Be authorized by the legitimate cardholder
  • Be for legitimate goods or services
  • Include accurate transaction descriptions
  • Comply with card network rules and regulations
  • Be processed within required timeframes
  • Include appropriate customer receipts and documentation

5. MONITORING AND ENFORCEMENT

5.1 Transaction Monitoring

We implement comprehensive monitoring systems that:

  • Screen transactions against prohibited activities
  • Monitor for suspicious patterns or behaviors
  • Check against sanctions lists and watch lists
  • Analyze transaction velocity and patterns
  • Review merchant compliance status
  • Monitor chargeback and refund rates

5.2 Enforcement Actions

⚖️ Violations of this AUP may result in:

  • Warning notices and corrective action requests
  • Temporary suspension of Services
  • Transaction holds or reserves
  • Account limitations or restrictions
  • Permanent termination of Services
  • Legal action and damages recovery
  • Reporting to law enforcement or regulatory authorities

6. REPORTING AND COMPLIANCE

6.1 Suspicious Activity Reporting

🚨 Users must immediately report:

  • Suspected fraudulent transactions
  • Potential money laundering activities
  • Suspicious customer behavior
  • Security incidents or breaches
  • Regulatory inquiries or investigations

6.2 Record Keeping Requirements

Users must maintain comprehensive records including:

  • Complete transaction records for required retention periods
  • Customer identification and verification records
  • Business documentation and licenses
  • Compliance monitoring and training records
  • Incident reports and remediation actions

7. DATA PROTECTION AND PRIVACY

7.1 Data Security Requirements

🔐 Users must implement:

  • Appropriate technical and organizational security measures
  • Payment data protection according to PCI DSS requirements
  • Encryption of sensitive data in transit and at rest
  • Secure network environments
  • Access controls and authentication measures
  • Regular security system updates and patches

7.2 Privacy Compliance

All users must comply with applicable privacy laws and:

  • Obtain proper consent for data collection and processing
  • Provide appropriate privacy notices to customers
  • Honor customer privacy rights and requests
  • Implement data minimization practices
  • Securely dispose of data when no longer needed

8. INTERNATIONAL COMPLIANCE

8.1 Cross-Border Transactions

For international transactions, users must:

  • Comply with laws in all relevant jurisdictions
  • Obtain necessary licenses for cross-border activities
  • Implement appropriate anti-money laundering controls
  • Screen against international sanctions lists
  • Maintain records of cross-border transaction flows

8.2 Regulatory Compliance

🌐 International users must:

  • Register with appropriate financial regulators
  • Comply with local payment regulations
  • Implement country-specific compliance measures
  • Report to relevant authorities as required
  • Maintain appropriate capital and operational requirements

9. AMENDMENTS AND UPDATES

9.1 Policy Updates

We may update this AUP at any time by:

  • Posting revised versions on our website
  • Providing notice through our Services
  • Sending notifications to registered users
  • Publishing updates in our compliance documentation

9.2 Continued Use

📢 Important Notice

Continued use of our Services after any update constitutes acceptance of the revised AUP. Users who do not agree to updates must discontinue use of our Services.

10. CONTACT INFORMATION

🛡️ Compliance Inquiries

Email: compliance@PrimeAIPay.com

🚨 Violation Reporting

Email: security@PrimeAIPay.com

⚖️ Legal Matters

Email: legal@PrimeAIPay.com

ACKNOWLEDGMENT

By using PrimeAIPay's Services, you acknowledge that you have read, understood, and agree to comply with this Acceptable Use Policy. You further acknowledge that violations of this AUP may result in immediate termination of Services and potential legal action.

This AUP is effective as of the date first set forth above and will remain in effect until superseded by a revised version.

Cartnova Limited
PrimeAIPay Payment Orchestration Platform