Acceptable Use Policy

1. Purpose and Scope

This Acceptable Use Policy (“AUP”) defines the acceptable and prohibited uses of MiarichPay’s payment processing services, websites, applications, and related technologies. This policy is designed to protect MiarichPay, our customers, and the integrity of the financial system.

By using our services, you agree to comply with this policy and all applicable laws and regulations. This policy applies to all users, including merchants, consumers, partners, and third-party service providers.

2. Prohibited Activities

Illegal Activities

You may not use our services for any illegal activities or to facilitate illegal activities, including but not limited to:

• Money laundering or terrorist financing
• Drug trafficking or controlled substances
• Weapons sales (firearms, explosives, ammunition)
• Human trafficking or exploitation
• Tax evasion or fraud
• Securities fraud or investment scams
• Intellectual property infringement
• Identity theft or impersonation

3. Prohibited Businesses and Industries

High-Risk Businesses

The following business types are generally prohibited from using our services:

• Adult entertainment and pornography
• Online gambling and casinos
• Binary options and forex trading platforms
• Cryptocurrency exchanges and ICOs
• Payday loans and debt collection
• Multi-level marketing and pyramid schemes
• Counterfeit goods and replica items
• Illegal pharmaceuticals and drug paraphernalia

Restricted Businesses

These businesses may be permitted with special approval and enhanced monitoring:

• Alcohol sales (with proper licensing)
• Tobacco products (with age verification)
• Travel services and timeshares
• Subscription services with auto-renewal
• Digital goods and software
• CBD products (where legally permitted)

4. Fraudulent and Deceptive Practices

Transaction Fraud

The following fraudulent practices are strictly prohibited:

• Processing transactions without proper authorization
• Creating fake or fraudulent transactions
• Credit card testing or carding
• Chargeback fraud or friendly fraud
• Money laundering through legitimate-appearing transactions
• Structuring transactions to avoid reporting requirements

Deceptive Business Practices

• False or misleading advertising
• Bait and switch schemes
• Hidden fees or charges
• Failure to deliver goods or services
• Misrepresenting refund policies
• Identity misrepresentation

5. Technical Abuse and Security Violations

System Abuse

The following technical abuses are prohibited:

• Attempting to circumvent security measures
• Unauthorized access to accounts or systems
• Denial of service attacks or network disruption
• Introduction of malware or malicious code
• Reverse engineering or unauthorized modification
• Excessive API calls or system resource abuse

Data Misuse

• Unauthorized collection of personal information
• Sharing sensitive customer data without permission
• Using data for purposes beyond agreed scope
• Failing to protect customer information adequately

6. Sanctioned Countries and Entities

OFAC Compliance

We comply with all U.S. and international sanctions programs. You may not use our services:

• In countries subject to comprehensive sanctions
• With individuals or entities on sanctions lists
• For transactions involving sanctioned activities
• To circumvent sanctions or export controls

Restricted Jurisdictions

Our services may not be available in certain countries due to regulatory restrictions or risk considerations. Current restrictions include:

• Countries designated by FATF as high-risk
• Jurisdictions with inadequate AML controls
• Regions experiencing political instability
• Areas with limited banking infrastructure

7. Age and Capacity Restrictions

Minimum Age Requirements

Our services are restricted to individuals who:

• Are at least 18 years of age
• Have the legal capacity to enter contracts
• Are not prohibited from using financial services
• Can provide valid identification documents

Business Entity Requirements

Business accounts require:

• Valid business registration
• Authorized signatory verification
• Beneficial ownership disclosure
• Compliance with corporate governance requirements

8. Content and Communication Standards

Prohibited Content

You may not use our services to transmit or display:

• Hateful, discriminatory, or offensive content
• Explicit sexual or violent material
• Content promoting illegal activities
• Spam or unsolicited communications
• Misleading or false information
• Content infringing intellectual property rights

Professional Standards

All communications through our platform must:

• Be professional and respectful
• Comply with applicable laws and regulations
• Respect others’ privacy and rights
• Avoid harassment or threatening behavior

9. Account and Service Misuse

Account Violations

The following account-related violations are prohibited:

• Creating multiple accounts to circumvent restrictions
• Using false or misleading registration information
• Sharing account credentials with unauthorized parties
• Using accounts for purposes other than intended
• Failing to maintain accurate account information

Service Abuse

• Excessive customer service requests
• Frivolous or bad faith disputes
• Attempting to manipulate our systems
• Using services to compete directly with MiarichPay

10. Financial Crimes and Compliance

Anti-Money Laundering

All users must comply with AML requirements:

• Provide accurate identification information
• Report suspicious transactions
• Cooperate with compliance investigations
• Maintain proper transaction records
• Implement appropriate risk controls

Terrorist Financing Prevention

We prohibit any activities that could facilitate terrorist financing:

• Transactions with known terrorist organizations
• Fundraising for prohibited causes
• Concealing the source or destination of funds
• Structuring transactions to avoid detection

11. Monitoring and Enforcement

Continuous Monitoring

We employ various monitoring systems to detect policy violations:

• Automated transaction monitoring
• Pattern recognition and anomaly detection
• Manual review of flagged activities
• Regular account assessments
• Customer behavior analysis

Investigation Procedures

When potential violations are detected, we may:

• Temporarily suspend account access
• Request additional documentation
• Conduct enhanced due diligence
• Engage with external investigators
• Report to relevant authorities

12. Enforcement Actions

Graduated Response

Enforcement actions depend on the severity and nature of violations:

• Warning: Notification of policy violation with correction period
• Restriction: Limited access to certain features or services
• Suspension: Temporary account deactivation pending investigation
• Termination: Permanent account closure and service prohibition
• Legal Action: Civil or criminal proceedings for serious violations

Immediate Termination

Certain violations result in immediate account termination:

• Criminal activities or fraud
• Money laundering or terrorist financing
• Repeated policy violations
• Threats to system security
• Regulatory violations

13. Reporting Violations

How to Report

If you become aware of potential policy violations, please report them immediately:

• Email our compliance team
• Use our online reporting form
• Call our security hotline
• Contact your account manager

Required Information

When reporting violations, please provide:

• Detailed description of the violation
• Supporting documentation or evidence
• Account information (if applicable)
• Date and time of occurrence
• Your contact information

14. Appeals Process

Right to Appeal

If your account is suspended or terminated, you may appeal the decision by:

• Submitting a written appeal within 30 days
• Providing additional evidence or documentation
• Explaining any mitigating circumstances
• Proposing corrective measures

Appeal Review Process

Appeals are reviewed by an independent team that:

• Examines all available evidence
• Considers the severity of violations
• Reviews compliance history
• Makes a final determination

Appeal decisions are final and not subject to further review.

15. Contact Information

For questions about this policy or to report violations: