Acceptable Use Policy

1. Purpose

This Acceptable Use Policy (AUP) defines prohibited activities when using TandemPay services. Merchants agree to comply with this policy as part of their Terms of Service.

2. Prohibited Activities

Merchants may not use TandemPay for:

Illegal Goods and Services

• Illegal drugs, controlled substances, or drug paraphernalia
• Stolen goods or services
• Counterfeit or unauthorized products
• Illegal gambling or betting services
• Any activity prohibited by applicable law

Fraudulent or Deceptive Practices

• Ponzi schemes, pyramid schemes, or multi-level marketing scams
• False or misleading product claims
• Identity theft or impersonation
• Phishing or social engineering attacks
• Fake or manipulated transaction data

Financial Crimes

• Money laundering or structuring transactions to evade reporting
• Terrorist financing or support for sanctioned entities
• Tax evasion schemes
• Transactions involving sanctioned countries or individuals

High-Risk Activities

• Adult content or services (subject to additional review)
• Weapons, explosives, or hazardous materials
• Services enabling illegal activity
• Unregistered securities or investment schemes

Abuse of Service

• Excessive chargebacks or fraud disputes
• Testing stolen card numbers
• Automated attacks or API abuse
• Creating multiple accounts to evade restrictions

3. Merchant Responsibilities

Merchants must:

• Accurately describe products and services to customers
• Maintain clear refund and return policies
• Respond promptly to customer disputes and chargeback inquiries
• Comply with applicable payment card network rules
• Maintain records for tax and legal compliance

4. Monitoring and Enforcement

TandemPay monitors transactions for suspicious activity and compliance with this AUP. We may suspend or terminate accounts that violate these policies. Serious violations may be reported to law enforcement.

5. Consequences of Violation

Violations may result in:

• Warning and required corrective action
• Temporary account suspension
• Permanent account termination
• Reporting to payment networks and regulatory authorities
• Legal action for damages

6. Reporting Violations

If you become aware of activity violating this AUP, report it immediately to: contact@tandempay.io

7. Updates to This Policy

We may update this AUP periodically to reflect regulatory changes or service updates. Merchants will be notified of material changes via email.

8. Questions

For questions about acceptable use or to request clarification on specific business activities, contact: contact@tandempay.io