Acceptable Use Policy

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1. Purpose

Kelviq, Inc. (“Kelviq”) operates as a Merchant of Record (MoR) for digital product sellers. As the MoR, Kelviq is legally and financially responsible for every transaction processed through the platform. This policy defines the types of businesses, products, and activities that are approved, restricted, or prohibited on the Kelviq platform. This policy is designed to ensure compliance with applicable laws, regulations, payment network rules (including Visa and Mastercard operating regulations), U.S. sanctions laws (OFAC), and the terms of our payment processing agreements with Stripe, Inc. This policy is incorporated by reference into the Kelviq Seller Master Service Agreement and applies to all Sellers on the platform.

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2. Approved Business Categories

Kelviq is designed for digital products and software. The following business categories are approved for the platform:

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2.1 SaaS and Software

• Business-to-business (B2B) and business-to-consumer (B2C) web applications
• Desktop software and browser extensions
• AI tools and AI-powered software products (subject to additional review per Section 4)
• Developer tools, APIs, and SDKs

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2.2 Digital Downloads

• E-books and digital publications (PDF, EPUB)
• Design templates, fonts, and design assets
• Audio files, music, and sound effects (original or properly licensed)
• Video courses and educational content
• Photography presets, filters, and digital art

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2.3 Membership and Subscription Content

• Paid newsletters and research publications
• Membership communities with gated content
• Online course platforms with recurring access

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2.4 Professional Services (Limited)

Professional services are approved only when sold as add-ons to a software product. Examples include setup fees, priority support packages, and onboarding assistance for a software product. Standalone manual services (consulting, coaching, agency work) are not approved.

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3. Fundamental Platform Limitations

The following categories are not supported on the Kelviq platform under any circumstances. These limitations are inherent to our MoR model and cannot be waived.

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4. Prohibited Business Categories

The following categories are strictly prohibited. Kelviq will not approve accounts in these categories, and any existing account found to be operating in a prohibited category will be suspended immediately. This list is aligned with Stripe’s prohibited business list and applicable card network rules.

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4.1 Illegal, Deceptive, or Harmful Content

• Products or services that are illegal in the United States or the Buyer’s jurisdiction
• Content that infringes on third-party intellectual property, copyrights, trademarks, or patents (including pirated software, stolen e-books, cracked license keys)
• Hate speech or content promoting violence, self-harm, or discrimination
• Deceptive marketing, fake testimonials, or unrealistic income or results claims
• Low-value exploitative content (including mass-generated AI content with minimal substance sold at inflated prices)
• Identity services, fake identification documents, or academic cheating services
• Multi-level marketing (MLM) or pyramid scheme products

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4.2 Financial and Legal Services

• Investment advice, trading signals, or financial planning services
• Cryptocurrency sales, token sales, or NFT minting/trading
• Lending services, debt collection, or money transmission
• Gambling, betting, lotteries, or games of chance (including fantasy sports with entry fees)
• Legal, tax, or accounting advice as a service
• Donation processing where no specific product is delivered
• Services designed to help others evade taxes, mask identity, or bypass financial regulations

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4.3 Adult Content and Regulated Industries

• Explicitly sexual content (videos, images, text), whether real or AI-generated
• “AI Girlfriend/Boyfriend” services, NSFW chatbots, or sexual companion services
• Content related to OnlyFans management or adult content distribution
• Alcohol, tobacco, vaping products, e-cigarettes
• Drugs, drug paraphernalia, or controlled substances
• Firearms, ammunition, explosives, or combat/weapons training
• Prescription drugs, unverified medical/wellness supplements, or unapproved health claims

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4.4 Technology and Platform Abuse

• Spam tools: mass cold email software, lead scraping tools, bulk SMS/WhatsApp senders
• Hacking tools: software designed to gain unauthorized access to systems, networks, or accounts
• Cheating tools: software designed to cheat in games or bypass software licensing
• Circumvention tools: services that bypass API rate limits, platform rules, or geo-restrictions (IP cloaking, proxy tools for evasion)
• Surveillance technology: keyloggers, stalkerware, or tools that enable unauthorized monitoring of individuals
• Counterfeit goods or unauthorized replicas of branded products

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4.5 Telemarketing and Debt Collection

• Telemarketing services, including outbound call centers and robocall operations
• Debt collection agencies or services
• Lead generation services that involve unsolicited outbound communication (phone, SMS, or email)

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4.6 Other Prohibited Activities

• Money laundering, structuring, or processing transactions that are not genuine product sales
• Terrorist financing or transactions with designated persons on sanctions lists
• Activities that violate U.S. sanctions (OFAC) or export control regulations
• Transactions designed to test or exploit the payment system (carding, card testing)

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5. Restricted Business Categories

The following categories are not automatically prohibited but are considered high-risk. Accounts in these categories require additional review by the Kelviq compliance team. Approval is not guaranteed and may be subject to conditions such as reserve requirements, payout holds, or additional monitoring.

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5.1 AI-Powered Products and Services

AI tools that generate text, images, voice, video, or other content require review to verify:

• The product has appropriate safeguards against generating harmful, deceptive, adult, or illegal content
• The product does not facilitate deepfakes, impersonation, or disinformation
• The product’s marketing accurately represents its capabilities
• The Seller has content moderation policies in place

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5.2 Marketing and Outreach Tools

Some marketing tools may be approved, but the following require additional review:

• Email marketing tools (must have anti-spam compliance, opt-in verification, and unsubscribe functionality)
• Social media automation tools (must comply with platform terms of service)
• Lead generation tools (must not facilitate scraping or unauthorized data collection)

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5.3 Pre-orders and Paid Waitlists

Pre-orders are generally not approved due to the high chargeback risk for an MoR. In rare cases, exceptions may be made for established creators with a proven track record. If approved, funds will be held in reserve until the product is verifiably delivered.

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5.4 High-Value Digital Products

Products priced above $500 per transaction may require additional review due to elevated chargeback risk.

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6. Prohibited Countries and Sanctions Compliance

Kelviq is a U.S. company and is required to comply with U.S. sanctions laws administered by the Office of Foreign Assets Control (OFAC). Kelviq is strictly prohibited from doing business with any individual or entity located in the following countries and regions: Kelviq also screens all Sellers against the OFAC Specially Designated Nationals (SDN) list and other applicable sanctions lists. Sellers identified on any sanctions list will be immediately blocked from the platform. This list is subject to change based on updates to U.S. sanctions regulations. Sellers are required to notify Kelviq immediately if they become aware of any sanctions-related issues affecting their account.

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7. Supported Payout Countries

Kelviq supports businesses registered in 90+ countries for payouts. You can receive payouts in your local bank account in currencies including USD, EUR, GBP, CAD, AUD, INR, and more.

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8. Enforcement and Monitoring

Kelviq continuously monitors Seller accounts after approval to detect and prevent violations of this policy. Monitoring includes:

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8.1 Ongoing Monitoring

• Transaction pattern analysis for unusual activity, velocity changes, or suspicious behavior
• Refund rate monitoring (accounts exceeding 10% refund rates may be reviewed)
• Chargeback rate monitoring (accounts exceeding 0.75% chargeback rates will be reviewed, accounts exceeding 1% may be suspended)
• Product listing review (periodic review of product descriptions and content for accuracy and compliance)
• Customer complaints and fraud reports

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8.2 Enforcement Actions

If a Seller is found to be in violation of this policy, Kelviq may take one or more of the following actions:

1. Issuing a warning and requesting immediate corrective action
2. Imposing a reserve or payout hold on the Seller’s account
3. Suspending the Seller’s ability to process new transactions
4. Terminating the Seller’s account
5. Withholding funds to cover potential disputes, chargebacks, or liabilities
6. Reporting the Seller to law enforcement or regulatory authorities where required by law

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8.3 Appeal Process

Sellers who believe their account was suspended or terminated in error may contact Kelviq at [email protected] to request a review. Kelviq will review the appeal and respond within 10 business days. Kelviq’s decision on appeals is final.

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9. Alignment with Card Network Rules

This policy is designed to be consistent with the prohibited and restricted business categories defined by Stripe, Visa, Mastercard, and other applicable payment networks. In cases where card network rules are more restrictive than this policy, the card network rules will control. Kelviq regularly reviews updates to card network operating regulations and Stripe’s prohibited business list to ensure this policy remains current. If card network rules change, Kelviq may update this policy and notify affected Sellers.

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10. Policy Updates

Kelviq may update this policy from time to time to reflect changes in law, regulations, card network rules, or Kelviq’s business practices. Material changes will be communicated to Sellers with at least 30 days’ notice. Continued use of the platform after the effective date of a change constitutes acceptance of the updated policy.

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11. Contact

If you are unsure whether your product or business is allowed on Kelviq, contact us before launching: