Acceptable Use Policy

What Torvexx can be used for, and the lines that may not be crossed.

1. Purpose

This policy sets out what the Torvexx platform may not be used for. It forms part of the Terms of Service and applies to every account. The payment providers and acquiring partners that process payments may apply additional restrictions of their own.

2. Businesses and products we do not accept

You may not use the platform to take payments for:

• goods or services that are illegal where they are sold or where they are delivered;
• illegal drugs, or products marketed for producing or consuming them;
• weapons, ammunition and explosives sold in breach of the law;
• counterfeit goods, or goods and content that infringe someone else’s intellectual property;
• content that exploits or endangers children, adult content and escort services, or any other unlawful content;
• unlicensed gambling, lotteries or financial services that require an authorization you do not hold;
• pyramid schemes, get-rich-quick offers and other deceptive or predatory selling;
• debt collection, credit repair and debt relief services;
• stolen goods, stolen data, or tools intended for fraud or unauthorized access to systems;
• businesses, persons or countries subject to sanctions.

3. Businesses that need our approval first

The following may be accepted only with our written approval before activation, and may require additional documents, licences or a different reserve:

• alcohol, tobacco, e-cigarettes and CBD products;
• dietary supplements, nutraceuticals and cosmetics making health claims;
• travel, ticket resale and pre-orders with long delivery times;
• subscriptions and memberships;
• marketplaces and platforms that take payments for third-party sellers.

4. Conduct that is not allowed

• submitting transactions that are fraudulent, that the cardholder has not authorized, or that do not correspond to a real sale;
• processing payments on behalf of another business without our written agreement;
• splitting a sale into several transactions, or otherwise disguising its nature, to avoid checks or limits;
• using the platform to launder money, finance terrorism or evade sanctions;
• misleading customers about what they are buying, what it costs, how a subscription renews or how to obtain a refund;
• probing, overloading or bypassing the security of the platform, or using API keys that are not yours;
• storing card data outside the platform in a way that breaches the PCI DSS standard.

5. How this policy is applied

We, and the payment providers we work with, review every business before its account is activated and may review accounts and transactions at any time. We may ask you for information about your business, your products and individual sales. You agree to answer such requests promptly, and to tell us before you change what you sell.

If an account breaches this policy we may refuse or reverse transactions, delay or withhold payouts while the matter is reviewed, suspend the account or close it, as set out in the Terms of Service. Where the law requires it, we may report the matter to the authorities.

6. Reporting a concern

If you believe a business is using Torvexx in breach of this policy, write to contact@torvexx.com with as much detail as you can. We read every report.

7. Changes and governing law

We may update this policy. The current version is always on this page, with the date it was last changed.

This policy is governed by the laws of the State of Colorado, and any dispute relating to it is to be brought before the state or federal courts located in Colorado.