Acceptable use policy

1. Prohibited businesses

The platform may not be used to accept payment for:

• Goods or services that are illegal where the merchant or the customer is located.
• Counterfeit goods, or goods that infringe intellectual property rights.
• Illegal drugs and drug paraphernalia; substances marketed to mimic illegal drugs.
• Weapons, ammunition and explosives, and items designed to cause harm.
• Adult content and services, where prohibited by our payment partners.
• Unlicensed gambling, lotteries, betting and games of chance.
• Unlicensed financial services, money transmission, cryptocurrency exchange or the sale of securities.
• Pyramid and multi-level marketing schemes, get-rich-quick offers and investment programmes promising returns.
• Unauthorised sale of regulated products: tobacco, pharmaceuticals, alcohol, without the required licences.
• Content that promotes hate, violence or discrimination.

2. Prohibited practices

• Misrepresenting the business, its activity, its owners or the goods sold, at onboarding or afterwards.
• Processing transactions on behalf of a third party, or splitting a business across accounts to evade checks or limits.
• Submitting transactions the merchant knows or should know to be fraudulent, or using stolen payment credentials.
• Charging customers without clear consent, or making cancellation of a subscription materially harder than its purchase.
• Deliberately generating chargebacks or refunds to move funds.
• Interfering with the platform: probing, scraping, overloading, or attempting to access other merchants' data.
• Using the platform in breach of card network rules or of the terms of the payment partners.

3. Monitoring and consequences

Transactions are screened automatically and accounts may be reviewed at any time. Where an account breaches this policy, we may hold payouts, request information, suspend the account or close it, and report the matter to our payment partners or to the authorities where the law requires it. The rolling reserve may be retained until the period for chargebacks has elapsed.

4. Reporting a breach

To report a merchant that appears to breach this policy, write to contact@arvioon.io with the name of the business and the reason. Reports are answered within 24 hours.

5. Changes

This policy may be updated to reflect changes in law, in card network rules or in the requirements of our payment partners. The current version is the one published on this page and forms part of the terms of service.