High Risk Acceptable Use Policy

Any subsequent changes to this Electronic Communication Agreement will be dated and can be found and read in the corresponding Electronic Communication Agreement on the VersioPAY website.

This Agreement is made and entered into by and between VersioPAY, LLC., and you, the VersioPAY or VersioPAY Payments Account holder. The words “you” and “your” refer to the person who has applied for and accepted or used a VersioPAY Account or VersioPAY Payments Account, including any authorized user of the Account. “VersioPAY Account,” “VersioPAY Payments Account,” or “Account” refers to the Account set-up by VersioPAY that includes the capability of electronic communication and disclosure of Account Information. “VersioPAY, LLC.,” “VersioPAY,” “we,” “our,” and “us” refer to VersioPAY, LLC., a Florida Company and its company partners or affiliates. 

You consent to receiving all communications from VersioPAY electronically. This consent is described below. Please read it carefully.

Consent to Conduct Business Electronically

1. Applying Electronically. You must apply to enter into the Agreement with us electronically. 
2. Electronic Communications. All VersioPAY Agreements and Policies, all amendments to any of these Agreements and Policies, all documents related to these Agreements and any notices, instructions, agreements, or any other communications regarding Transactions and your Agreements (all of which are referred to herein as the “Communications”) may be presented, delivered, stored, retrieved, and transmitted electronically. 
3. Executing Transactions Electronically. These Agreements, Policies and Transactions thereunder can only be executed using electronic records and electronic signatures, except as otherwise provided for in the Payment Services Agreement and the Cardholder Agreement. 
4. Consenting to Do Business Electronically. The decision whether to do business electronically is yours, and you should consider whether you have the necessary hardware and software capabilities. You are required to provide and maintain your own hardware and software. You should also have sufficient electronic storage capacity on your hardware and (4) if you wish hard copies of communications, a printer that is capable of printing from your browser and or  e-mail software. It is highly recommended that you use a firewall and frequently updated anti-virus software.. Your consent to do business electronically, and our agreement to do so, also applies to the establishment and maintenance of any account or Transaction in connection with your Agreements and Policies. 
5. Withdrawal of Consent. You have the right to withdraw your consent to doing business under these Agreements and Policies electronically at any time. If you do so, your Payment Services Agreement and Cardholder Agreement will be terminated, as provided in the application Sections of said Agreements. However, any Communication or Transaction between us during the period after your consent to doing business electronically, and before your withdrawal of such consent, will be valid and binding on all parties and you must comply with the other requirements of these Agreements and Policies.
6. Changes to Your Contact Information. You must keep us informed of any change in your electronic or mailing address or other contact information. You shall provide VersioPAY notice of any change to your contact information, including your email address, by contacting VersioPAY Customer Service at www.VersioPAY.com/VersioPAY-support/
7. Printing. If you would like a hard copy you should print this document and keep a copy in your files. 
8. Paper Copies. If you wish to obtain paper copies of Communication and Transaction, you may contact Customer Service at www.VersioPAY.com/VersioPAY-support to determine if paper copies or summaries are available and the cost of providing them to you. 
9. Consent. When you select the “Submit” button, you agree to all the terms above and contained in this Agreement regarding conducting business electronically. By selecting the “Submit” button, you hereby acknowledge that you have read and understand the terms and conditions of this Electronic Communication Agreement which have been set forth above, and that you agree to be bound by the terms and conditions of this Agreement. Further, you understand that your act of checking the “Submit” button represents your electronic signature and represents your authorization to be bound by this Agreement and your intent that this Agreement have legal and binding effect. You also hereby represent and warrant that this Agreement will not violate any law, or conflict with any other agreement to which you are subject.

ELECTRONIC COMMUNICATIONS AGREEMENT. YOU AGREE TO TERMS OF THE VERSIOPAY ELECTRONIC COMMUNICATIONS AGREEMENT AS AMENDED FROM TIME TO TIME (“E-COMMUNICATIONS AGREEMENT”) WHICH IS INCORPORATED INTO THE PAYMENT SERVICES AGREEMENT AND THE CARDHOLDER AGREEMENT BY REFERENCE AS IF FULLY SET FORTH HEREIN. YOU HEREBY AGREE TO RECEIVE ELECTRONIC COMMUNICATIONS AT YOUR VALID E-MAIL ADDRESS AND ALSO AT YOUR LOGGED-IN VERSIOPAY ACCOUNT FOR THE FOLLOWING CATEGORIES OF INFORMATION: (1) THE VERSIOPAY AGREEMENTS, POLICIES AND ANY AMENDMENTS OR SUPPLEMENTS TO IT; (2) THE RECORD OF PAYMENTS AND OTHER TRANSACTIONS THROUGH YOUR USE OF THE SERVICES, INCLUDING, WITHOUT LIMITATION, PAYMENT HISTORIES AND CONFIRMATIONS OF INDIVIDUAL TRANSACTIONS; (3) ANY INITIAL, PERIODIC OR OTHER DISCLOSURES OR NOTICES PROVIDED IN CONNECTION WITH THE SERVICES, INCLUDING, WITHOUT LIMITATION, THOSE REQUIRED BY FEDERAL OR STATE LAW; (4) ANY CUSTOMER SERVICE COMMUNICATIONS, INCLUDING, WITHOUT LIMITATION, COMMUNICATIONS WITH RESPECT TO CLAIMS OF ERROR OR UNAUTHORIZED USE OF THE SERVICES; AND, (5) ANY OTHER COMMUNICATIONS RELATED TO THIS AGREEMENT. YOUR VALID EMAIL ADDRESS IS THE ONE WHICH YOU PROVIDE TO VERSIOPAY ON YOUR APPLICATION. YOU AGREE TO PROVIDE VERSIOPAY WITH NOTICE OF ANY CHANGE TO YOUR EMAIL ADDRESS AND AGREE TO BE BOUND BY ANY COMMUNICATIONS SENT TO YOU BY VERSIOPAY AT THE LAST EMAIL ADDRESS PROVIDED BY YOU TO VERSIOPAY.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

VersioPAY does not allow you to use its merchant processing service for high risk sales transactions. Such activities are prohibited by VersioPAY and are in violation of our High Risk Transactions/Acceptable Use Policy. VersioPAY reserves the right, from time to time, to revise this High Risk Transactions/Acceptable Use Policy. Your submission to VersioPAY of any sales transaction that violates this High Risk Transactions/Acceptable Use Policy may result in VersioPAY doing any or all of the following: (a) refusal of an authorization or the refusal to process your sales transmittal; (b) suspension of your VersioPAY Account processing privileges; (c) immediate closing of your VersioPAY Account in accordance with your Payment Services Agreement; (d) the creation of a reserve account, if a reserve account is included in your Payment Services Agreement, according to the terms thereof; and, (e) VersioPAY exercising its security interest and or set off rights as defined in your Payment Services Agreement.

Prohibited Activities of the VersioPAY High Risk Transactions/Acceptable Use Policy include, but are not limited to, the following sales transactions: 

Restricted Activities (defined as categories that may be allowed with additional underwriting and potential reserve requirements) 

• Antiques and vintage items 
• Art 
• Automobile parts, used & new 
• Catering 
• Collectibles 
  • Coins 
  • Faces, Names and Signatures 
  • Stamps 
• Cross-border transactions
• Electronics
• Furniture
• IT (Information Technology) Services
• Jewelry
• Live Animals
• Moving companies
• Precious metals (Bars, coins, etc.)
• Private Investigators
• Taxi / Limo services
• Web hosting & web design 

Prohibited Activities 

• Aggregators (Sales made by a different business entity) 
• Alcoholic Beverages 
• Artifacts, Graver-Related and Native American Crafts 
• Audio/video text services (adult oriented) 
• Authenticity Disclaimers 
• Bail bonds 
• Bankruptcy lawyers 
• Bath Salts (containing mephedrone, methylone or MDPV) 
• Bidding fee auctions (a.k.a. penny auctions) 
• Business physically located outside the U.S.A. (offshore acquiring) 
• Business and Investment Opportunities 
• Business/Investment opportunities operating as “get rich quick schemes” (e.g. real estate purchase with No Money Down, government grants) 
• Businesses selling age or legally restricted products or services 
• Cell phones/pagers (billing for services only)
• Centralized reservation services
• Chain letters 
• Charities without 501(c)(3) or equivalent status Check Cashing
• Child Support/Alimony
• Contracts 
• Credit card and identity theft protection
• Credit cards
• Credit repair/restoration or card protection (including identity theft protection)
• Currency (In and out of circulation)
• Debt Collection 
  • Collection agency services recovering/collecting past due receivable
  • Debt consolidation and mortgage reduction/consulting services
  • Past Due Accounts Receivable
  • Payment of last resort where prior method of payment has been difficult to collect or has been uncollectible 
• Door to Door Sales
• Decryption and descrambler products including mod chips
• Essay mills/paper mills (i.e., ghostwriting services that sell essays, term papers, etc. with intent that purchaser will submit documents as their own) 
• Embassy, Foreign Consulate, or Other Foreign Government 
• Event Tickets 
• Extended warranties 
• Factoring (defined as charging your own personal credit or debit card) 
• Fake IDs, Government Identification, Uniforms, and Police-Related Items 
• Fake references and other services/products that foster deception 
• Financial transactions, including but not limited to: quasi cash, stored value foreign currency, money orders, wire transfers, securities and check cashing. 
• File sharing services
• Fireworks and fire crackers
• Fortune telling, Spells, Sorcery
• Gambling and gambling services, including but not limited to the following: 
  • Legal gambling where the Cardholder is not present when the bet is made as well as for direct purchase of wagers/chips via payment card 
  • Lotteries
  • Illegal gambling including internet gambling 
  • Sports forecasting or odds making
  • Betting
  • Casino gaming
  • Off track betting
  • Gambling chips or gambling credits 
• HD DVD and Blu-ray Disc Decryption Devices 
• Human body parts and remains
• Illegal products/services 
  • Amyl Nitrite Inhalants
  • Any service providing peripheral support of illegal activities (i.e. drugs) Bootleg Recordings
    Counterfeit, Imitation or Knock-off Items
  • Drugs and Paraphernalia
  • Embargoed Goods, Prohibited Countries
  • Good or services in violation of intellectual property rights
  • Psilocybin Mushrooms and Spices
  • Psychoactive Herbal Products
  • Stolen property
  • Unauthorized Copies 
• Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices/signals (e.g., GPS) 
• K2 (also known as Spice or Kronic) 
• Loan payment and loan underwriting 
• Marijuana, marijuana dispensaries, marijuana products, marijuana services and marijuana related businesses (excluding hemp) 
• Medical Devices 
• Merchants engaged in deceptive marketing practices (e.g., hidden disclosures, bogus claims and endorsements, refund/cancellation avoidance, poorly disclosed negative option, pre-checked opt-in boxes for payment without cardholder’s active consent) 
• Merchants engaged in Data Pass (i.e., merchants up-selling or cross-selling products or other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties) 
• Merchants engaged in unlicensed aggregation and factoring 
• Merchants engaged in activity prohibited by the Card Brands 
• Merchants offering substantial rebates or special incentives (e.g., free gift, prize, sweepstakes, or contest) as an inducement to purchase products/services 
• Merchants that have ransom-like or extortion-like basis for their business model (e.g., mugshot removal)
• Merchants utilizing tactics to evade monitoring programs 
• Money Laundering or the Financing of Terrorist Activities 
• Money Service Businesses
  • Cash advances (by non-financial institutions)
  • Check cashers
  • Currency exchange or dealer
  • Issuer/seller/redeemer of money orders or traveler’s checks
  • Money Transmitter
  • Provider or seller of prepaid access/stored value, including both open-loop and closed-loop* exceeding $2,000 
  • Quasi-cash or stored value
  • Wire transfer/money order 
• *Closed-loop prepaid access includes gift cards, phone cards, subway cards, college campus cards, game cards and other limited-use prepaid access devices when the value can exceed $2,000
• Negative response marketing techniques by any type of merchant (i.e. customer is automatically charged if merchandise is not returned at the end of a free trial period) 
• Nutraceuticals (i.e., food products or other digestibles marketed via-unsubstantiated and/or unlawful health or medical claims, frequently associated with weight loss claims, anti-aging, sexual stimulants, increased energy, etc.) 
• Offensive, Racially or Culturally Insensitive Material
• PayDay Lenders, payday loans and unsecure loan/lines originating from non-FDIC insured banks 
• Pharmacies
• Postal Services
• Prescription Drugs and Devices
• Products/services that promote hate, violence, harassment or abuse
• Pyramid schemes
• Quasi cash or stored value
• Real Estate Agents and Brokers
• Real estate purchase with no money down
• Recalled items
• Rent Payments
• Salvia Divinorum
• Sales leads / Lead generation
• Security brokers
• Sexually oriented or pornographic merchants, including but not limited to the following: 
  • Adult book stores or video stores
  • Adult telephone conversations
  • Adult oriented audio/video text services
  • Adult websites and content
  • Any products on the internet containing graphic or nude content Companion/escort services
  • Fetish products
  • Gentleman’s clubs, topless bars, and strip clubs
  • Illegal activity (e.g., child pornography, bestiality)
  • Sexually oriented dating services
  • Mail order spouse and international match-making services Massage parlors 
  • Membership, clubs, subscriptions 
  • Prostitution 
  • Video (web-based sexually oriented video)
  • Miscellaneous adult entertainment 
• Shipping/Forwarding Brokers
• Social media “click farms” (i.e., the sale of clicks/likes/reviews/endorsements on social media sites) 
• Software 
• Splitting transactions to circumvent account limitations 
• Structuring (defined as processing the same credit or debit card multiple times within a 24 hour period) 
• Substances designed to mimic illegal drugs (e.g., herbal synthetic cannabis, herbal smoking blends, herbal incense, and HCG/HGH-like substances) 
• Substances made to closely resemble or look like illegal substances
• Substances marketed as producing effects similar to effects of illegal substances
• Telecommunications
• Telemarketing companies involved with the following methods of operations: 
  • Offering a free gift, prize or sweepstakes, contest entry as an inducement to purchase their product or service
  • Inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalog or media advertising) 
  • Selling products/services as an agent for a third party
  • Third Party Payment Processors/Aggregators/Payment Service Companies (e.g., bill pay service, crowd funding, peer-to-peer payments, digital wallets, commissary accounts) falling outside of Card Brand approved requirements (Payment Facilitators) 
• Tobacco, tobacco-less cigarette or e-cigarette 
• Tour Operators
• Travel related merchant to include: 
  • Airlines (including airlines “nested” under another entity) 
  • Cruise lines (including airlines “nested” under another entity) 
  • Timeshares
  • Vacation rentals/Lodging 
• Unlocked cellphones
• Unqualified Multi Level Marketing Companies
• Unqualified Pseudo Pharmaceuticals/Neutraceuticals (e.g., anti-aging pills, colon cleansers, detox products, muscle-building, sexual stimulants, weight loss, diet, etc.) • Used vehicles 
• Virtual currency that can be monetized, re-sold, or converted to physical/digital goods/services or otherwise exit the virtual world 
• Weapons and ammunitions, and firearm parts, Internet/MOTO 
• Wire transfer/money order 
• Any other activity deemed by VersioPAY to be similar to those activities listed above 

If you use your VersioPAY Account to process a sales transaction(s) in violation of this High Risk  Transactions/Acceptable Use Policy set forth above, VersioPAY may incur substantial liability and/or suffer significant damages, including, without limitation, assessments, fines and other related expenses from Visa, MasterCard, American Express or Discover, and/or its sponsor bank. By selling goods or services, including access to content, in violation of VersioPAY’s High Risk Transactions/Acceptable Use Policy you are liable to VersioPAY for any and all damages  assessed upon VersioPAY as a result of your activity, despite any language in your Payment Services Agreement to the contrary. Without limiting the foregoing, you agree to reimburse VersioPAY for any and all assessments, fines and expenses, including reasonable attorneys’ fees incurred by VersioPAY and/or levied on VersioPAY by Visa, MasterCard,  American Express or Discover, and/or its sponsor bank, as a result of your activities in violation of this High Risk Transactions/Acceptable Use Policy.