1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- Agencies must be duly incorporated commercial business entities holding a verified corporate accreditation certificate issued by ePaisay.
- Agencies operate as independent contractors; nothing herein creates an employment, partnership, or joint venture relationship with ePaisay.
- Agencies possess no legal authority to bind, sign contracts on behalf of, or create financial liabilities for ePaisay.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Representing the agency as an official corporate branch, subsidiary, or equity partner of ePaisay.
- Charging merchants unauthorized upfront registration fees while falsely claiming they are mandatory platform costs.
- Operating without formal written power of attorney or authorization from managed sub-merchant accounts.
4. Warning & Violation System Enforcement Matrix
Each violation under this section is mapped directly to the automated warning and sanction ladder:
| Violation Code | Offense Description | Detection Method | Severity Tier | Cure Window | Mandatory Sanction |
|---|---|---|---|---|---|
VIOL-351-01 |
Falsely claiming official equity partnership or employment with ePaisay. | Legal Brand Surveillance | Tier 4 (Critical) | Immediate | Revocation of agency accreditation, 2,000 EPAY penalty, public disclaimer notice. |
VIOL-351-02 |
Levying unauthorized or extortionate fees on sub-merchants under false platform pretenses. | Merchant Complaint Investigation | Tier 3 (High) | 24 Hours | 2 Strike Points, mandatory restitution of funds, suspension of onboarding portal. |
VIOL-351-03 |
Operating an agency account with expired corporate business licensing. | Annual Corporate Registry Audit | Tier 2 (Moderate) | 14 Days | Agency commission payouts temporarily escrowed pending license renewal. |
5. Platform Safe Harbor & Limitation of Liability
Platform Intermediary Status: ePaisay provides the technological marketplace venue connecting independent counterparties. ePaisay is not a vendor, retailer, agent, or guarantor of any product, service, or transaction governed herein.
Total Disclaimer of Warranties: The platform disclaims all warranties of merchantability, fitness for particular purpose, and non-infringement to the fullest extent permissible by applicable law.
Limitation of Damages: In no event shall ePaisay, its officers, directors, or employees be liable for incidental, indirect, punitive, or consequential damages. Aggregate liability is strictly capped at the lesser of $100 USD or platform fees paid in the preceding three months.
Participant Indemnification: The participant agrees to defend, indemnify, and hold harmless ePaisay against any third-party claims, regulatory penalties, legal fees, or damages arising out of violations of this Section.