1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- All commercial payments for items discovered on ePaisay must be processed exclusively through the platform checkout and escrow architecture.
- Users are strictly prohibited from soliciting or accepting external bank wires, PayPal, direct crypto transfers, or cash-on-delivery to bypass platform fees.
- Attempting to complete a transaction off-platform instantly voids all buyer protection, warranty enforcement, and seller indemnity guarantees.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Invoicing buyers directly via external accounting software or issuing private bank wire requests.
- Offering off-platform discounts or cash rebates conditioned upon avoiding marketplace checkout.
- Encouraging counterparties to 'deal directly' to save on platform commission fees.
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-3131-01 |
Direct solicitation of off-platform wire transfer or private invoicing. | Direct Messaging NLP Interceptor | Tier 3 (High) | Immediate | 2 Strike Points, 500 EPAY fee avoidance surcharge, messaging rate throttled. |
VIOL-3131-02 |
Completing an off-platform sale initiated via marketplace catalog discovery. | Transaction Disintermediation Audit | Tier 4 (Critical) | Immediate | Storefront suspended for 30 days, platform commission assessed on estimated volume + 50% penalty. |
VIOL-3131-03 |
Posting external wire transfer instructions in product description or Q&A. | Listing Content Validator | Tier 2 (Moderate) | 12 Hours | 1 Strike Point, listing suppressed until compliant. |
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.