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 are strictly responsible for conducting rigorous primary due diligence on all sub-merchants onboarded under their agency code.
- If an agency-onboarded merchant commits deliberate fraud, counterfeit distribution, or money laundering, the agency shares joint compliance responsibility.
- Agencies must maintain digital archives of sub-merchant identity documents and business licenses for a minimum of 5 years.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Onboarding shell merchants, straw men, or sanctioned individuals to bypass platform KYC gates.
- Failing to immediately report a sub-merchant discovered to be distributing prohibited or counterfeit goods.
- Facilitating account hopping for sellers previously banned on the marketplace.
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-352-01 |
Facilitating onboarding of fraudulent or blacklisted entities under agency code. | Anti-Fraud Graph Intelligence | Tier 4 (Critical) | Immediate | Immediate permanent revocation of agency license, 100% forfeiture of agency commission reserve. |
VIOL-352-02 |
Sub-merchant counterfeit distribution exceeding 2% of managed fleet volume. | Brand Protection Incident Audit | Tier 3 (High) | 48 Hours | 3 Strike Points, agency onboarding privileges frozen for 90 days. |
VIOL-352-03 |
Failure to provide requested sub-account verification audit trails within 72h. | Compliance Audit Request | Tier 2 (Moderate) | 72 Hours | Temporary suspension of new merchant invitation links. |
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.