Acceptable Use Policy

1. Purpose

The purpose of this Acceptable Use Policy is to protect customers, merchants, service providers and the BudyPay platform from unlawful, fraudulent, abusive or unsafe activity.

2. Illegal or unauthorised activity

You may not use BudyPay to facilitate activity that is unlawful, prohibited, unauthorised or designed to avoid applicable legal or contractual requirements.

3. Fraud, deception and misrepresentation

• Do not submit false or misleading merchant, customer, beneficiary or transaction information.
• Do not impersonate another person or business or misrepresent the nature of your business.
• Do not use stolen, compromised or unauthorised payment credentials.
• Do not create artificial transactions, circular flows or activity intended to manipulate monitoring, limits or reporting.

4. Security abuse

• Do not attempt to bypass authentication, access controls, rate limits or security mechanisms.
• Do not probe, scan or test BudyPay systems without written authorisation.
• Do not distribute malware, malicious code or automated traffic intended to disrupt services.
• Do not share merchant credentials with unauthorised parties.

5. Transaction and payout misuse

Payment and payout services must be used only for genuine transactions connected to your approved business activity. You must not knowingly process transactions intended to conceal ownership, source, destination, purpose or beneficiary information.

6. Harmful or abusive content

You may not use BudyPay services in connection with content or conduct that materially facilitates fraud, exploitation, serious harm, unauthorised access or other abusive behaviour.

7. Restricted business activities

Certain products, services or business models may require additional review or may not be supported. Approval to use BudyPay for one activity does not automatically approve materially different activities. Merchants should contact BudyPay before changing business model, transaction pattern or use case.

8. Monitoring and cooperation

BudyPay may review activity, request supporting information, apply controls or work with relevant service providers where reasonably necessary to investigate unusual activity, protect the platform or meet applicable obligations.

9. Enforcement

Where we reasonably believe this policy has been violated, we may take proportionate action such as requesting information, restricting a feature, rejecting transactions, suspending access or terminating services, subject to the applicable merchant agreement and requirements.

10. Report a concern

If you become aware of suspected misuse of BudyPay services, contact our support team.