ACCEPTABLE USE POLICY (AUP) - MUNDPAY

Last updated: April 1, 2026

Contact for questions/complaints: denuncias@mundpay.com (subject: “Acceptable Use”)

This Acceptable Use Policy (“AUP”) defines activities, content, products, and services that are prohibited or restricted when using the checkout, APIs, dashboard, and other solutions of Mundpay (“Mundpay Platform”).

By using the Mundpay Platform, you agree to comply with this AUP, the Operating Agreement, the Unified MoR Terms (Checkout), and other Complementary Internal Policies.

GENERAL GUIDELINES AND ENFORCEMENT

• Mundpay may monitor, audit, and investigate activities and content (including through automated analysis) to verify compliance.
  
  
  

• Mundpay may, at any time, remove materials, suspend/terminate access/account, and/or withhold funds when a violation or high risk is identified, including for conduct outside the Platform related to the use of our services.
  
  
  

• The interpretation and decision regarding violation are the exclusive competence of Mundpay.
  
  
  

• Complaints or questions: denuncias@mundpay.com.
  
  
  

REGISTRATION AND PRODUCT LISTING (PHYSICAL AND DIGITAL)

• The Seller may register physical and digital products, subject to this AUP and Complementary Policies.
  
  
  

• Approval may occur automatically and be post-audited. Mundpay may request documents, adjustments, or remove listings at any time.
  
  
  

• The Seller is entirely responsible for the content, quality, compliance, homologations, and support of their products/services.
  
  
  

RESTRICTED ACTIVITIES AND PROHIBITED PRODUCTS

It is expressly forbidden, within the scope of Mundpay's platform, to offer, disclose, intermediate, process payments for, or commercialize products, services, or content that violate current legislation, regulatory norms, payment scheme rules, policies for anti-fraud, anti-money laundering, and counter-terrorist financing, as well as the Company's internal compliance, risk, and integrity guidelines.

This prohibition also applies to activities that may expose consumers, third parties, financial institutions, or Mundpay itself to legal, reputational, regulatory, operational, or financial risks, and the list below is illustrative and not exhaustive.

Illicit products, services, and activities or those of a fraudulent nature

These include, but are not limited to:

• Commercialization of any illegal product or service or one that is in disagreement with applicable laws;

• Services for forging documents, IDs, diplomas, or registries;
  
  
  

• Providing false identities, simulated registrations, or untruthful references;
  
  
  

• Activities involving human trafficking, human exploitation, contract killing, or related activities;
  
  
  

• Commercialization of human body parts, biological materials, fluids, eggs, embryos, or surrogacy services in violation of the law;
  
  
  

• Content or services that encourage, promote, or celebrate unlawful violence, discrimination, or harm to individuals or property.

Espionage, intrusion, and privacy violation

The commercialization or promotion of the following is prohibited:

• Spyware apps, clandestine monitoring, or unauthorized tracking;
  
  
  

• Intrusion tools, hacking, or unauthorized access to third-party systems, devices, accounts, or social networks;
  
  
  

• Software designed for capturing data, credentials, or communications without consent.

Drugs, narcotics, and controlled substances

Covers:

• Illicit substances, narcotics, or recreational drugs;
  
  
  

• Products intended for the production, preparation, or consumption of drugs;
   

• Hydroponic or cultivation equipment designed for the production of prohibited substances;
  
  
  

• Cannabis derivatives, including CBD, in non-compliance with legal limits;
  
  
  

• Courses, content, or materials that teach the cultivation, production, or commercialization of drugs.

Weapons, explosives, and hazardous materials

Includes:

• Firearms, ammunition, gunpowder, explosives, and fireworks;
  
  
  

• Components, accessories, conversion kits, or parts of weaponry;
  
  
  

• 3D-printed weapons;
  
  
  

• Tactical knives, machetes, quick-opening blades, and disguised weapons;
  
  
  

• Flammable, radioactive, toxic, or hazardous chemical materials;
  
  
  

• Pepper sprays, tasers, and stun devices.

Adult content and services

The commercialization or intermediation of the following is prohibited:

• Pornography, explicit nudity, or sexual content;
   

• Prostitution services, escorts, or fetishes;
  
  
  

• Dating platforms, matchmaking services, or similar;
  
  
  

• Adult entertainment clubs, striptease, or related activities.

Gambling and betting

Includes:

• Casinos, sports betting, lotteries, and raffles;
  
  
  

• Betting courses, "betting" signals, or paid forecasts;
   

• Tournaments with cash prizes;
  
  
  

• Bidding fee auctions;
  
  
  

• Any modality of game with randomized financial gain.

Financial services, credit, and investments

Using Mundpay is prohibited for:

• Loans, financing, or direct credit;
  
  
  

• “Buy now, pay later” (BNPL);
  
  
  

• Debt negotiation, settlement, or consolidation;
   

• Credit repair or credit counseling;
  
  
  

• Insurance, health benefits, or insurance products;
  
  
  

• Money transmission, remittances, or foreign exchange;
  
  
  

• Neobanks, digital accounts, custody, or funding;
  
  
  

• Sale of stocks, securities, or collective investments;
  
  
  

• Investment schemes promising guaranteed returns.

Crypto assets, tokens, and stored values

Covers:

• Exchanges, wallets, or custody of cryptocurrencies;
  
  
  

• ICOs, staking, mining;
  
  
  

• Primary or secondary NFTs;
  
  
  

• Sale of virtual game currencies;
  
  
  

• Gift cards, prepaid cards, or stored credits;
  
  
  

• SIM cards, phone cards, and digital credits.

Intellectual property and counterfeiting

The commercialization of the following is prohibited:

• Counterfeit products or replicas;
   

• Licensed products without authorization;
  
  
  

• Digital piracy (software, movies, music);
  
  
  

• Platform or social media accounts;
  
  
  

• Services for followers, artificial engagement, or fraudulent paid traffic;
   

• Websites or services that facilitate copyright infringement.

Abusive marketing and deceptive practices

Includes:

• Pyramid schemes or irregular multi-level marketing;
  
  
  

• Get-rich-quick promises;
  
  
  

• Investment bots or financial automations;
   

• Fake testimonials or unverified claims;
  
  
  

• Aggressive or predatory sales;
  
  
  

• Offers with unrealistic earnings.

Any false or misleading claims, especially promises of guaranteed financial returns, are expressly prohibited.

Irregular intermediation and payment aggregation

It is prohibited to:

• Receive payments for products of unregistered third parties;
  
  
  

• Act as a sub-acquirer, facilitator, or aggregator without authorization;
  
  
  

• Operate crowdfunding, donations, or fundraising;
  
  
  

• Settle sales without delivery of the product or service.

Public and governmental services

Includes restrictions on:

• Offering government benefits;
   

• Services on behalf of consulates or embassies;
   

• Intermediation of public services without authorization.

Telecommunications and irregular technology

Covers:

• IPTV, TV Box, or illegal streaming;
   

• Signal jammers;
   

• Clandestine decoders;
   

• Non-homologated telecommunications.

Products subject to recall, unsafe, or controlled products

The commercialization of the following is prohibited:

• Products with an active recall;
  
  
  

• Items considered unsafe by authorities;
  
  
  

• Non-homologated medical equipment;
   

• Machines without safety devices;
   

• Products dependent on government certification.

Other restricted categories

Also included, among others:

• Tobacco, electronic cigarettes, and derivatives;
  
  
  

• Alcoholic beverages and age-restricted products;
  
  
  

• Animals, flora, and derivatives;
  
  
  

• Irregular vehicles;
  
  
  

• Tickets to events;
  
  
  

• Food and beverages without a license;
  
  
  

• Controlled pesticides;
   

• Mailing lists and personal databases (in compliance with LGPD).

Physical products of high operational risk

By internal risk, logistics, fraud, and chargeback guidelines, Mundpay may restrict or prohibit the commercialization of certain consumer goods, even if lawful, such as:

• Electronics (cell phones, notebooks, smartwatches, consoles);
  
  
  

• Gift cards and digital credits;
  
  
  

• Perfumes and cosmetics;
  
  
  

• Home appliances;
  
  
  

• Digital accounts or virtual assets;
  
  
  

• Products widely targeted for logistics fraud or chargebacks.

RESTRICTED ITEMS AND ACTIVITIES (SUBJECT TO PRE-APPROVAL)

They depend on risk analysis and express authorization from Mundpay (which may require enhanced KYC/KYB, risk reserves, limits, anti-fraud flows, homologations, and documentary evidence):

• Supplements/nutraceuticals and health claims (weight loss, libido, performance).
  
  
  

• Crypto/digital assets (custody, on/off-ramp, NFTs) and regulated financial services.
  
  
  

• Tickets/events, donations/crowdfunding within permitted limits; subscription clubs.
  
  
  

• Regulated products with certifications/homologations (ANVISA, ANATEL, INMETRO, FDA, CE, etc.).
  
  
  

• Non-explicit adult content (with moderation, age gating, and clear policy).
  
  
  

Approval can be denied or revoked at any time. Non-compliance converts the activity into prohibited.

MINIMUM COMMERCIAL TRANSPARENCY REQUIREMENTS

• Price and billing interval: display frequency, amount, and renewal date.
  
  
  

• Express consent: before the first charge and each automatic renewal.
  
  
  

• Simple cancellation and visible refund policy (e.g., order.mundpay.com).
  
  
  

• No dark patterns, fake urgency, or material omissions.
  
  
  

• Health/performance claims: true, verifiable, and without promising “guaranteed results”.
  
  
  

PROHIBITED USES OF MUNDPAY PRODUCTS/INFRASTRUCTURE

• False/incomplete registration data; failure to report relevant changes.
  
  
  

• Process payments on behalf of another unidentified merchant; aggregate third-party payments.
  
  
  

• Use Mundpay as a virtual terminal/card tester (recurrent manual capture without a real good/service).
  
  
  

• Use of Mundpay's brand/logos without written authorization or in a way that implies endorsement/affiliation.
  
  
  

MEASURES AND CONSEQUENCES (ENFORCEMENT)

If a violation or material risk is identified, Mundpay may, without prejudice to other contractual/legal measures:

• Remove content/items; block listings/integrations;
  
  
  

• Suspend/terminate accounts and access;
  
  
  

• Withhold funds, apply risk reserves, limit payouts, and enable refunds;
  
  
  

• Request documents and corrections (landing page, claims, disclosures);
  
  
  

• Notify affected brands/suppliers, payment partners, and, when applicable, authorities.
  
  
  

Financial measures (withholdings/blocks/reserves) follow the Seller Agreement and the Payments & Fees page. Mundpay may deny or terminate a relationship due to incompatible risk.

COMPLAINTS AND CONTACT CHANNEL

Suspect misuse? Send it to denuncias@mundpay.com (subject: "AUP Complaint") with the URL/Order ID, screenshots, and objective description. We maintain confidentiality under the terms of our Privacy Policy.

AMENDMENTS AND PREVALENCE

We can update this AUP at any time by publishing the current version on the website. Continued use after the update implies agreement. In case of conflict between this AUP and other documents, this AUP prevails to the extent necessary to resolve the conflict, without setting aside the provisions of the Seller Agreement and the Unified MoR Terms regarding liabilities, disputes, and financial measures.