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 transaction funds are deposited into segregated, bankruptcy-remote programmatic escrow accounts held on behalf of transaction participants.
- Escrow funds are released to seller wallets only upon: (a) explicit buyer delivery confirmation, (b) expiry of the 48-hour inspection timer, or (c) favorable dispute adjudication.
- Transaction structuring (splitting large payments into micro-transactions to avoid financial reporting thresholds) is strictly prohibited under AML laws.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Attempting to coerce premature manual release of escrow funds prior to verified courier delivery.
- Structuring checkout payments into multiple micro-transactions to evade statutory AML monitoring.
- Operating unlicensed money transmission or third-party check cashing through the escrow wallet.
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-3151-01 |
Deliberate transaction structuring to evade anti-money laundering thresholds. | AML Transaction Monitoring Engine | Tier 4 (Critical) | Immediate | Immediate account suspension, mandatory Suspicious Activity Report (SAR) filing, asset freeze. |
VIOL-3151-02 |
Soliciting buyer to release escrow prematurely before parcel dispatch. | Resolution Chat NLP Classifier | Tier 3 (High) | 24 Hours | 2 Strike Points, payout hold extended by 14 days, formal warning. |
VIOL-3151-03 |
High-velocity wallet transfer pattern indicating possible micro-structuring. | Risk Analytics Daemon | Tier 2 (Moderate) | 24 Hours | Temporary 48-hour hold on wallet withdrawals pending identity re-verification. |
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.