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 monitors dispute frequencies and claimant win/loss ratios across 90-day moving averages.
- Users whose dispute rate exceeds 5.0% of total transactions or who exhibit patterns of bad-faith filings are designated as High-Risk Disputers.
- Frivolous, bad-faith, or fraudulent dispute claims result in immediate administrative fee assessments and buyer protection de-qualification.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Systematically filing claims on low-value items claiming minor scratches to extort partial refunds.
- Coordinating collusive disputes between affiliated accounts to generate artificial merchant defect strikes.
- Filing claims on items confirmed delivered and authenticated by trusted third-party authenticators.
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-395-01 |
Serial dispute abuse: dispute initiation rate exceeding 5% over 90 days. | Dispute Abuse Analytics Daemon | Tier 3 (High) | Immediate | Permanent loss of buyer protection privileges, 2 Strike Points, mandatory return on all future claims. |
VIOL-395-02 |
Proven bad-faith or fabricated claim engineered to damage competitor seller. | Security Collusion Graph Engine | Tier 4 (Critical) | Immediate | Permanent account ban, forfeiture of wallet assets, damages assessment. |
VIOL-395-03 |
Filing frivolous claim with zero supporting documentary evidence. | Intake Filter Review | Tier 1 (Advisory) | 24 Hours | Dispute dismissed; strike warning recorded on buyer account. |
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.