1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- Agency commission splits are calculated programmatically upon completed order settlement and credited to the Agency Escrow Ledger.
- If an order is subsequently refunded, charged back, or determined to be fraudulent, all associated agency commissions are automatically clawed back.
- Agencies must maintain an ongoing 10% rolling reserve on commission payouts to cover post-settlement chargeback reversals.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Manipulating sub-merchant transaction volumes through artificial wash trading to inflate agency tier bonuses.
- Attempting to withdraw commission balances while sub-merchants maintain unresolved dispute debts.
- Demanding kickbacks or unauthorized off-platform revenue shares from managed sellers.
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-353-01 |
Manufactured wash trading between agency accounts and sub-merchants. | Algorithmic Wash Trading Detector | Tier 4 (Critical) | Immediate | Total forfeiture of accrued commissions, lifetime agency ban, legal action for fraud. |
VIOL-353-02 |
Unsettled negative commission balance following sub-merchant chargeback surge. | Financial Reconciliation Daemon | Tier 3 (High) | 7 Days | Automated offset against future sub-merchant splits, agency wallet freeze. |
VIOL-353-03 |
Disputing legitimate platform commission clawbacks following customer refund. | Dispute Portal Audit | Tier 1 (Advisory) | 48 Hours | Administrative review; temporary hold on tiered bonus eligibility. |
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.