1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- The Warning and Violation System tracks buyer compliance across dispute rates, return integrity, and payment chargebacks.
- Accumulation of Strike Points triggers progressive account restrictions, ranging from mandatory upfront identity checks to total platform exclusion.
- Buyers banned for fraud will have their payment methods, telephone numbers, and device identifiers permanently blacklisted across the global marketplace network.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Attempting to register new accounts to evade accumulated buyer strike points.
- Harassing marketplace customer support agents or threatening staff during dispute adjudications.
- Maintaining an unresolved negative wallet balance resulting from reversed chargebacks.
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-335-01 |
Accumulation of 3 Buyer Strike Points within a rolling 90-day period. | Automated Strike Point Counter | Tier 3 (High) | Immediate | Account suspended for 30 days, loss of buyer protection eligibility. |
VIOL-335-02 |
Accumulation of 4+ Buyer Strike Points or critical fraud finding. | Compliance Disciplinary Committee | Tier 4 (Critical) | Immediate | Permanent platform blacklisting, forfeiture of unvested promotional EPAY. |
VIOL-335-03 |
Unsettled debt resulting from bank retrieval or chargeback loss. | Automated Ledger Debt Collector | Tier 3 (High) | 7 Days | Suspension of all purchasing features until debt satisfied. |
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.