1. Scope and Acceptance
These Terms of Use ("ToU") govern the day-to-day use of the ReyPub platform, including all portals, APIs, and features. These Terms supplement and are incorporated into the Terms of Service. In case of conflict, the Terms of Service shall prevail.
BY USING ANY FEATURE OF THE REYPUB PLATFORM, YOU CONFIRM THAT YOU HAVE READ AND AGREE TO THESE TERMS OF USE, THE TERMS OF SERVICE, AND THE PRIVACY POLICY.
2. Client Portal Usage Rules
2.1 Wallet Usage
- Only deposit funds from bank accounts, cards, or payment methods that belong to you
- Do not use your wallet for purposes that violate local laws in your jurisdiction
- Ensure sufficient balance before initiating transfers or approving payment requests
- Deposits through payment gateways are subject to verification; do not submit false deposit confirmations
- Withdrawal requests must include accurate payment details; incorrect details resulting in fund loss are your sole responsibility
2.2 Debit Card Usage
- Your card PIN is your responsibility; never share it with anyone including ReyPub staff
- Report lost or compromised card details immediately by freezing your card
- Card spending limits are enforced per day and per month; exceeding limits will result in declined transactions
- ReyPub is not responsible for declined transactions due to insufficient funds or exceeded limits
CARD FRAUD: Using someone else's card details, sharing your card details for fraudulent purposes, or attempting to bypass card security measures will result in immediate card cancellation, account termination, and permanent forfeiture of all funds.
2.3 Payment Requests
- You have a 5-minute window to approve or reject merchant payment requests
- Unanswered payment requests will automatically expire after 5 minutes
- Once approved, payments are final and irreversible
- Refunds for approved payments can only be initiated by the merchant
3. P2P Trading Rules
3.1 Advertisements
- Set realistic and fair prices for your advertisements
- Maintain sufficient wallet balance when posting sell advertisements
- Keep your advertisements updated; disable ads you cannot fulfill
- Clearly state your terms and conditions in your advertisement
- Only list payment methods that you can actually receive payments through
3.2 Trading Conduct
- Buyers must: Make payment within the designated time limit using the agreed payment method
- Sellers must: Release funds promptly after confirming receipt of payment (within 30 minutes of confirmed receipt)
- Both parties must: Communicate respectfully, provide honest information, and not share private conversations publicly
- Trades must be completed using the payment method agreed upon; switching methods mid-trade requires both parties' consent
3.3 Payment Method Rules
- All payment methods listed must belong to the registered user (KYC-verified name must match)
- Third-party payments (paying from someone else's account) are strictly prohibited
- Account details (bank, mobile wallet) must be accurate and active
P2P VIOLATIONS AND PENALTIES:
- First offense (minor): Warning and temporary P2P trading restriction (7 days)
- Second offense: 30-day P2P trading suspension and $50 penalty deducted from wallet
- Third offense or any serious fraud: Permanent account termination and permanent forfeiture of ALL funds
- Chargeback after P2P trade: Immediate permanent termination and full fund forfeiture; reported to law enforcement
3.4 Appeal Rules
- Only file an appeal if there is a genuine dispute; false/frivolous appeals will be penalized
- Provide complete and truthful evidence (screenshots, transaction proofs)
- Tampering with or fabricating evidence is a terminable offense
- All appeal decisions are processed by ReyPub's internal dispute resolution team
- Appeal decisions are final and cannot be challenged in any court of law
4. Business Portal Usage Rules
4.1 API Usage
- API keys must be kept secure; never expose secret keys in client-side code
- API calls are rate-limited; excessive requests may result in temporary blocking
- Webhook URLs must be valid and properly configured to receive payment notifications
- Test thoroughly in development before processing live transactions
4.2 Business KYC
- Business KYC requires valid government-issued business documents
- Owner/director identity must be verified with valid personal identification
- Business address, registration number, and tax ID must be accurate and verifiable
- Changes to business ownership or structure must be reported immediately
BUSINESS FRAUD: Operating a fraudulent business, submitting fake business documents, processing unauthorized transactions, or using merchant services for money laundering will result in:
- Permanent termination of all business and associated personal accounts
- Permanent seizure and forfeiture of merchant balance and all pending settlements
- Referral to financial crime authorities in applicable jurisdictions
- Blacklisting from all ReyPub services permanently
4.3 Settlement Rules
- Settlement methods must be in the business owner's name (as verified through KYC)
- Crypto wallet addresses must be double-checked; incorrect addresses cannot be recovered
- Minimum settlement amounts apply based on the configured method
- ReyPub may hold settlements for up to 30 days for compliance review
4.4 Refund Policy
- Merchants can initiate refunds for up to 30 days after a transaction
- Refund amounts cannot exceed the original transaction amount
- Refunds are deducted from the merchant's balance; if insufficient, the refund may be delayed until funds are available
- Customers should first contact the merchant for refund requests
5. Local Payment Services Rules
- Subscription fees are non-refundable once the package is activated
- Payment gateways configured must have accurate account details belonging to the business or its authorized representative
- Transaction references submitted by customers must be verified against actual bank/wallet statements before approval
- Approving unverified transactions is strictly prohibited and constitutes fraud
- The 1% settlement fee is non-negotiable and applies to all approved transactions
- Gateway account details displayed to customers must be current and operational
LOCAL PAYMENT ABUSE: The following will result in immediate termination, fund seizure, and legal action:
- Approving transactions where payment was not actually received
- Customers submitting fake or reused transaction references
- Configuring payment gateways with someone else's account details without authorization
- Using local payments for money laundering or terrorist financing
6. Support and Communication Rules
- Support is provided through in-app chat and support tickets only
- Be respectful and professional in all communications with support staff
- Provide accurate and complete information when reporting issues
- Do not submit duplicate tickets for the same issue
- False or misleading support reports may result in account penalties
- ReyPub support will never ask for your password, full card details, or transaction PIN
- All support communications are logged and may be used as evidence in disputes
7. Platform Availability and Maintenance
- ReyPub strives to provide 99.9% uptime but does not guarantee uninterrupted service
- Scheduled maintenance may result in temporary service unavailability
- ReyPub is not responsible for losses resulting from service downtime, network issues, or force majeure events
- Users should not rely solely on ReyPub for time-sensitive financial obligations
8. Intellectual Property
- All ReyPub branding, logos, designs, code, and content are the exclusive property of ReyPub
- You may not copy, modify, distribute, or reverse-engineer any part of the platform
- API documentation may be used solely for the purpose of integrating with ReyPub services
- Unauthorized use of ReyPub's intellectual property will result in legal action
9. Comprehensive Dispute Resolution Process
All disputes, whether related to client accounts, business accounts, P2P trades, local payments, settlements, refunds, or any other service, are governed by the following unified process:
9.1 Mandatory Internal Resolution
All disputes MUST be submitted through ReyPub's internal support system. External complaints (social media, forums, external reviews) will not be considered as formal disputes.
9.2 Required Dispute Information
- Complete transaction ID(s) involved
- Detailed description of the issue
- All supporting evidence (screenshots, receipts, bank statements)
- Proposed resolution
9.3 Resolution Timeline
- Standard disputes: Resolved within 7 business days
- Complex disputes (P2P, multi-party): Resolved within 15 business days
- Fraud investigations: May take up to 90 business days
9.4 Finality
ABSOLUTE FINALITY: The decision of ReyPub's internal dispute resolution team is absolutely final and binding. This decision:
- Cannot be challenged in any court of law anywhere in the world
- Cannot be appealed to any external arbitration body
- Cannot be reversed by any regulatory authority
- Is conclusive as to all matters of fact and law
- You hereby waive any right to seek external judicial or administrative review
10. Penalties and Enforcement
10.1 Penalty Schedule
- Minor Violation (first offense): Written warning, temporary feature restriction (up to 7 days)
- Moderate Violation: Account suspension (up to 30 days), monetary penalty (up to $100) deducted from wallet balance
- Severe Violation: Account suspension (up to 90 days), monetary penalty (up to $500), feature restrictions
- Critical Violation (fraud, fake information, money laundering): Immediate permanent termination, permanent forfeiture of ALL funds, law enforcement referral, permanent blacklist
10.2 Enforcement Actions
ReyPub reserves the right to take any or all of the following enforcement actions without prior notice:
- Freezing wallet balance, merchant balance, or pending settlements
- Restricting or revoking access to specific features
- Cancelling debit cards
- Revoking API keys
- Suspending P2P trading privileges
- Suspending local payment services
- Permanently terminating accounts
- Forfeiting funds
- Reporting to law enforcement and regulatory authorities
11. Updates to These Terms
ReyPub may update these Terms of Use at any time. Continued use of the platform after changes are posted constitutes acceptance. Major changes will be announced through the notification system, but it remains your responsibility to review these terms regularly.
12. Contact
For questions about these Terms of Use:
- Email: legal@reypub.com
- Support: Use the in-app support chat or submit a ticket through your portal