1. Section Scope & Legal Intent
2. Mandatory Standards & Operating Requirements
All participants subject to this policy must strictly adhere to the following mandatory standards:
- Approved refunds are executed immediately: EPAY wallet refunds settle instantaneously; fiat credit card refunds post within 3 to 7 banking days.
- Refund amounts are deducted directly from the seller's active escrow or pending payout balances.
- If seller balances are insufficient, the seller's account enters a negative balance state; the platform exercises a legal lien against all future earnings.
3. Explicit Prohibitions & Violation Triggers
The following actions constitute direct non-compliance and trigger automatic intervention by the Warning and Violation System:
- Refusing to settle negative wallet balances resulting from processed customer refunds within 14 calendar days.
- Attempting to close a seller account while maintaining unsettled refund liabilities.
- Directing customers to receive refunds via risky off-platform external payment channels.
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-385-01 |
Unsettled negative merchant balance resulting from refunds exceeding 14 days. | Daily Debt Ageing Daemon | Tier 3 (High) | 14 Days | Storefront suspended, collections agency assignment, statutory interest applied. |
VIOL-385-02 |
Issuing fake or unbacked off-platform refund promises to delay dispute filing. | Customer Support Chat Audit | Tier 3 (High) | 24 Hours | 2 Strike Points, automated immediate platform refund issued, seller charged $50 fee. |
VIOL-385-03 |
Disputing legitimate platform refund ledger deduction. | Financial Accounting Gatekeeper | Tier 1 (Advisory) | 48 Hours | Dispute escalated to Senior Financial Arbitrator. |
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.