Acceptable Use Policy

1. Introduction

This Acceptable Use Policy ("Policy" or "AUP") establishes the standards, restrictions, and requirements applicable to products, services, businesses, and commercial activities conducted through Grow Development Inc. ("TucoPay," "we," "us," or "our").

TucoPay operates as a Merchant of Record ("MoR"), facilitating the commercial distribution, payment processing, and sale of products and services supplied by approved vendors ("Vendors") to end customers.

This Policy applies to all Vendors, business partners, and other parties that supply products or services for sale through TucoPay, regardless of their country of incorporation, residence, or business operations.

By registering with TucoPay, submitting products for approval, or using our services, Vendors agree to comply with this Policy, our Terms of Service, and all applicable laws and regulations.

TucoPay reserves the right to reject any product, service, or business activity that, in our reasonable assessment, presents unacceptable legal, regulatory, financial, reputational, or operational risks.

2. Prohibited Products and Services

The following categories of products, services, and business activities are strictly prohibited.

Products or services falling within these categories may not be marketed, sold, distributed, or otherwise commercialized through TucoPay.

2.1. Illegal Products and Activities

Illegal goods, products, or services.
Products obtained through theft, fraud, or other unlawful activities.
Services that promote, facilitate, or encourage illegal conduct.
Counterfeit identification documents, passports, licenses, certificates, or official records.
Products or activities violating applicable sanctions, export controls, or trade restrictions.
Any other goods or services prohibited under applicable law.

2.2. Drugs, Cannabis, and Controlled Substances

Illegal drugs, narcotics, and controlled substances.
Marijuana, cannabis, THC, CBD, and related products.
Synthetic drugs and substances designed to imitate illegal drugs.
Drug paraphernalia intended for unlawful consumption, manufacturing, or distribution.
Products marketed to facilitate the recreational use of controlled substances.

These restrictions apply regardless of whether certain products may be legal in specific jurisdictions.

2.3. Nutraceuticals, Peptides, and Performance-Enhancing Products

TucoPay strictly prohibits the commercialization of:

Nutraceutical products.
Dietary and nutritional supplements.
Vitamins and minerals sold as dietary supplements.
Sports supplements and bodybuilding supplements.
Weight-loss supplements and fat-burning products.
Peptides, including synthetic, bioactive, injectable, and research peptides.
Products containing peptide compounds, regardless of their intended use.
Anabolic steroids and performance-enhancing drugs.
Hormonal products, growth hormones, and hormonal modulators.
Nootropic supplements and similar performance-enhancing substances.
Unapproved pharmaceutical compounds and experimental treatments.
Products substantially equivalent to those listed above.

This prohibition is absolute. No exceptions or special approvals will be granted for these categories.

The restriction applies regardless of legal status, regulatory approval, marketing classification, or intended use.

2.4. Adult Content and Sexual Services

Pornographic videos, photographs, animations, and publications.
Sexually explicit digital content, including AI-generated pornography.
Adult subscription platforms and explicit content memberships.
Escort services, prostitution, and sexual services.
Adult live streaming, sexual video chats, and explicit entertainment.
Sexually oriented products, including adult sex toys.
Any material involving sexual exploitation or abuse.

Any content involving the sexual exploitation or abuse of minors is strictly prohibited and may be reported to the appropriate authorities.

2.5. Weapons and Dangerous Materials

Firearms, ammunition, and firearm components.
Explosives, explosive devices, and explosive precursors.
Weapons intended primarily to cause physical harm.
Restricted military or tactical equipment.
Hazardous chemicals and toxic substances intended for dangerous or unlawful use.
Radioactive materials and prohibited biological substances.
Products presenting unacceptable safety risks.

2.6. Gambling, Betting, and Games of Chance

Online casinos and gambling platforms.
Sports betting and wagering services.
Lotteries, raffles, and games of chance involving monetary prizes.
Unlicensed gambling and gaming operations.
Gambling credits, betting systems, and gambling-related financial instruments.
Games involving the exchange of money or other items of value for chances to win cash or prizes.

2.7. Fraudulent Financial Products and Schemes

Ponzi schemes and pyramid schemes.
Fraudulent investment opportunities.
Financial products promising guaranteed or risk-free returns.
Unlicensed financial services requiring regulatory authorization.
Fraudulent cryptocurrency or token offerings.
Money laundering, unauthorized money transmission, and illegal financial intermediation.
Schemes involving deceptive financial recruitment or investment solicitation.

2.8. Intellectual Property Violations

Counterfeit or unauthorized branded products.
Pirated software, applications, and digital content.
Unauthorized software licenses or activation keys.
Illegal IPTV subscriptions and unauthorized streaming services.
Courses, e-books, templates, or digital materials sold without appropriate intellectual property rights.
Products infringing copyrights, trademarks, patents, or other intellectual property rights.

2.9. Fraudulent Marketing and Deceptive Business Practices

Products promoted using knowingly false or materially misleading claims.
Fabricated testimonials, reviews, or customer endorsements.
Unauthorized celebrity endorsements.
Misrepresentation of product functionality, benefits, or expected results.
Fraudulent income opportunities or deceptive get-rich-quick schemes.
Misleading advertising designed to conceal the true nature of a product.
Products promoted through fabricated medical, scientific, or financial claims.
Products or services relying on deceptive scarcity, fabricated urgency, or fictitious discounts.

2.10. Cybercrime and Digital Fraud

Malware, ransomware, spyware, and malicious software.
Phishing tools and credential theft services.
Services offering unauthorized access to accounts, networks, or systems.
Stolen personal information, financial information, or login credentials.
Software intended primarily to facilitate illegal cyber activities.
Services selling fraudulent website traffic, fake social media followers, fake engagement, or fabricated reviews.
Tools primarily designed to bypass security protections unlawfully.

2.11. Hate, Violence, and Exploitation

Products promoting terrorism or violent extremism.
Content encouraging unlawful violence against individuals or groups.
Products promoting discrimination or persecution based on protected characteristics.
Human trafficking, forced labor, or exploitative services.
Products involving unlawful animal trafficking or protected wildlife.
Illegal trade in human organs or human biological materials.

2.12. Other Prohibited Activities

Tobacco, nicotine, vaping products, and electronic cigarettes.
Alcoholic beverages.
Prescription medications and controlled pharmaceutical products.
Products involving unauthorized resale of personal or financial information.
Fraudulent academic credentials and examination cheating services.
Products or services primarily intended to facilitate unlawful conduct.
Any products expressly prohibited by TucoPay's payment processing partners, acquiring banks, or applicable card network rules, where such restrictions apply to the relevant transaction or business model.

3. Restricted Products and Services

Certain products and business models may be accepted only after additional review and explicit written approval from TucoPay.

Approval is not guaranteed and may depend on regulatory requirements, documentation, underwriting standards, and the policies of our payment processing partners.

Restricted categories include:

3.1. Digital Education and Business Opportunities

Courses related to trading, investing, cryptocurrency, or financial markets.
Online business and entrepreneurship training.
Business coaching, professional mentoring, and income-generation programs.
Educational programs involving extraordinary performance or financial outcome claims.

Vendors must not guarantee financial returns or misrepresent achievable results.

3.2. Subscription-Based Products

Software-as-a-Service (SaaS) subscriptions.
Membership platforms.
Digital content subscriptions.
Automatically renewing services.
Free or discounted trials converting into paid subscriptions.

These products must clearly disclose pricing, billing frequency, renewal terms, cancellation conditions, and any applicable trial period.

3.3. Health and Wellness Digital Services

General health and wellness educational content.
Fitness and exercise applications.
Non-clinical nutrition planning software.
Wellness coaching platforms.
Digital products providing general health information.

Approval does not authorize the sale of supplements, nutraceuticals, peptides, medicines, or any other prohibited products.

Services requiring professional medical licensing or regulatory authorization may be rejected.

3.4. Digital Assets and Virtual Goods

Virtual currencies and digital credits.
Non-fungible tokens (NFTs).
Tokenized products or digital assets with transferable monetary value.
Digital goods that may be converted into money or financial instruments.

Products involving regulated financial activities require appropriate authorization and may be declined regardless of licensing.

3.5. Other Higher-Risk Business Models

Dropshipping and third-party fulfillment.
Preorders and products involving delayed delivery.
Marketplaces involving multiple independent suppliers.
Digital products involving third-party licenses or distribution agreements.
Lead-generation services and certain advertising-related products.
Online dating and matchmaking services that do not involve prohibited adult activities.

TucoPay may require additional documentation, product demonstrations, business verification, or written explanations before granting approval.

No Restricted Product may be sold through TucoPay until written approval has been granted.

4. Vendor Responsibilities

Vendors must:

Provide accurate and complete information about their products, services, and business activities.
Disclose the true nature, purpose, and functionality of every product submitted to TucoPay.
Ensure that all marketing materials comply with applicable advertising and consumer protection laws.
Maintain the rights, permissions, and licenses necessary to distribute their products.
Provide customers with accurate descriptions, pricing, and delivery information.
Fulfill their obligations regarding product functionality, delivery, and customer assistance.
Cooperate with TucoPay in addressing customer complaints, refunds, disputes, and chargebacks.
Notify TucoPay of material changes to previously approved products or business models.
Provide supporting documents when reasonably requested for compliance, risk assessment, or underwriting purposes.

Vendors are prohibited from concealing the actual nature of their products or supplying misleading information during onboarding or subsequent reviews.

5. Advertising and Marketing Standards

All products commercialized through TucoPay must be promoted using lawful, accurate, and transparent advertising practices.

This requirement applies to advertisements, landing pages, websites, sales funnels, email campaigns, social media promotions, and any other marketing channels.

The following practices are prohibited:

Making false or misleading claims about product capabilities or results.
Using fabricated testimonials, endorsements, or case studies.
Impersonating individuals, organizations, or public authorities.
Misrepresenting affiliations with recognized brands or institutions.
Using manipulated or deceptive representations of product benefits.
Concealing essential purchase conditions.
Failing to disclose recurring billing obligations.
Using misleading claims regarding health, wealth, financial outcomes, or personal transformation.
Advertising a different product from the one submitted to and approved by TucoPay.

TucoPay may request access to advertising materials, sales pages, and marketing funnels as part of its review process.

6. Product Approval and Changes

TucoPay may review products before or after they become available for sale.

Approval of a Vendor account does not constitute automatic approval of every product offered by that Vendor.

TucoPay may require separate approval for individual products, product categories, or material changes to an existing offering.

Vendors must not:

Substitute approved products with undisclosed products.
Use an approved checkout to process payments for an unrelated or prohibited product.
Conceal the destination or purpose of payments.
Add prohibited products to previously approved sales funnels.
Circumvent restrictions by modifying product names, descriptions, or classifications.
Use another Vendor account to evade a suspension or restriction.

TucoPay may suspend a product pending additional review when material changes or risk indicators are identified.

7. Subscription and Recurring Billing Requirements

Vendors offering subscription-based products must ensure that customers are informed of:

The total amount to be charged.
The applicable billing currency.
The frequency of recurring payments.
Any trial period and its applicable conditions.
The date or conditions under which recurring billing begins.
The process for canceling the subscription.
Any material conditions related to renewal or termination.

Recurring billing must be supported by the customer's clear and informed consent.

Hidden subscriptions, unauthorized recurring charges, misleading trial offers, and deliberate obstruction of legitimate cancellation requests are prohibited.

TucoPay may require Vendors to modify subscription practices that create excessive disputes, complaints, or compliance risks.

8. Refunds, Disputes, and Consumer Protection

Vendors must comply with TucoPay's Refund Policy and all applicable consumer protection requirements.

Vendors must cooperate with TucoPay in connection with:

Customer refund requests.
Product delivery issues.
Subscription cancellation requests.
Payment disputes and chargebacks.
Fraud investigations.
Consumer complaints.
Requests for evidence of product delivery or service fulfillment.

Vendors may not impose contractual terms or operational practices that unlawfully restrict consumers' rights.

Excessive refund rates, chargeback activity, consumer complaints, or suspected deceptive practices may trigger additional review or enforcement action.

9. Monitoring and Compliance

TucoPay may conduct ongoing monitoring of Vendor activities and approved products.

Monitoring may include:

Product and website reviews.
Review of sales funnels and advertisements.
Transaction risk analysis.
Fraud and chargeback monitoring.
Verification of licensing and supporting documentation.
Investigation of customer complaints.
Compliance reviews requested by payment processing partners or financial institutions.

Vendors agree to provide reasonable cooperation and documentation required for these reviews.

TucoPay may use automated systems and manual reviews to identify potential violations of this Policy.

10. Enforcement and Consequences

If TucoPay identifies an actual or reasonably suspected violation of this Policy, we may take proportionate action based on the nature, severity, and urgency of the risk.

Such actions may include:

Requesting additional information or documentation.
Requiring corrections to product descriptions or marketing materials.
Rejecting or removing products.
Temporarily restricting product sales.
Suspending payment processing.
Suspending or terminating the Vendor relationship.
Withholding or delaying amounts payable to the Vendor where authorized by applicable agreements, law, or payment network requirements.
Establishing or adjusting financial reserves where contractually permitted.
Reporting unlawful activities to appropriate authorities when required or permitted by law.

Immediate action may be taken where reasonably necessary to prevent fraud, unlawful activity, financial losses, consumer harm, or violations of payment network obligations.

Any financial restrictions, reserves, or termination procedures will be governed by the applicable Vendor agreement and legal requirements.

11. Payment Partner and Regulatory Restrictions

TucoPay works with payment processors, acquiring institutions, financial service providers, and payment networks that maintain their own underwriting and acceptable-use requirements.

The availability of any product or business category may be subject to restrictions imposed by these partners.

TucoPay may reject, suspend, or discontinue support for a product when:

An applicable payment partner prohibits the activity.
A required approval is denied, withdrawn, or expires.
Applicable laws or regulatory requirements change.
Payment network rules restrict the relevant transaction type.
The activity presents an unacceptable risk to TucoPay or its commercial partners.

Approval by TucoPay does not guarantee approval by any particular payment processor or financial institution.

12. Policy Updates

TucoPay may amend this Policy from time to time to reflect changes in applicable law, payment network requirements, underwriting standards, operational risk, or business practices.

Material changes will be communicated to affected Vendors through appropriate channels, where required by applicable law or the governing agreement.

Updated versions will be published on our website with the applicable revision date.

Continued use of TucoPay's services following the effective date of an updated Policy constitutes acceptance to the extent permitted by applicable law and the governing agreement.

13. Relationship with Other Agreements

This Policy forms part of, and should be read together with, TucoPay's applicable Terms of Service and Vendor agreements.

Compliance with this Policy does not relieve Vendors of their obligations under applicable laws or other contractual requirements.

Where multiple restrictions apply to a product or activity, the more restrictive applicable requirement will govern, subject to mandatory law and the governing agreements.

Nothing in this Policy obligates TucoPay to approve or continue supporting any particular product, service, or Vendor.

14. Contact Information

For questions regarding product eligibility, restricted activities, compliance requirements, or this Policy, please contact:

Grow Development Inc.

Email: contact@tucopay.com
Website: https://tucopay.com