Content Policy

Acceptable Use, Prohibited & Restricted Products, and Advertising Standards

DISRUPTY TECNOLOGIA E SOLUÇÕES DIGITAIS LTDA. • International (English) version

This Content Policy (“Policy”) forms an integral part of the Terms of Use of Disrupty and governs the products, services, content and conduct that are permitted, restricted or prohibited when using the Disrupty payment technology system, checkout, member area, funnels, automations, affiliate program and related features (collectively, the “Platform”). It applies to every user of the Platform — including sellers, producers, affiliates, their representatives and any person acting on their behalf (collectively, “Users” or “Partners”).

This Policy applies worldwide, to Brazilian and non-Brazilian Partners alike. Non-Brazilian Partners contract with Disrupty’s international operating entity, which may act as Merchant of Record for the relevant transactions, and expressly accept this Policy and the international, English-language Terms of Use upon registration. Where a Partner declares a country of establishment outside Brazil, the English-language instruments apply; by registering, the Partner confirms that it understands the English language and agrees to be bound by these instruments.

Disrupty may update this Policy at any time, in whole or in part, at its sole discretion and without prior individual notice, to reflect legal, regulatory, card-scheme, acquirer or risk requirements. The lists set out below are illustrative and non-exhaustive; Disrupty may classify additional products, niches or practices as restricted or prohibited at any time. Continued use of the Platform after publication of an updated version constitutes acceptance of the changes.

Core commitments of every User

By using the Platform, the User undertakes to make appropriate use of the content, features and information made available by Disrupty and, on an illustrative but non-limiting basis, to:

• Act lawfully and in good faith — not engaging in any activity that is illegal or contrary to good faith, public order or applicable law in any jurisdiction where it operates or where its customers are located;
• Refrain from harmful content — not disseminating advertising or content of a racist, xenophobic or discriminatory nature, illegal gambling or games of chance, illegal pornography, content that glorifies terrorism, or content that violates human rights or the rights of any third party;
• Protect systems — not causing damage to the physical (hardware) or logical (software) systems of Disrupty, its suppliers or third parties, and not introducing or spreading viruses or any other hardware or software capable of causing such damage;
• Sell only what is permitted — offering exclusively products and services that comply with this Policy, the Terms of Use and all applicable laws, card-scheme rules and acquirer rules;
• Be truthful with consumers — providing clear, accurate and non-misleading information about products, prices, delivery terms, refund and cancellation policies, and honouring every commercial commitment made to customers;
• Maintain regulatory standing — keeping its tax, corporate, consumer-protection and data-protection obligations regular and up to date.

Account integrity, identity verification and anti-fraud

Identity verification (KYC)

Every Partner must complete Disrupty’s identity-verification and “Know Your Customer” (KYC) process before transacting, and must keep the information current thereafter. The documents required vary according to the Partner type (individual or legal entity) and the Partner’s declared country or region of establishment, in line with the applicable anti-money-laundering (AML) and counter-terrorism-financing (CTF) rules of that jurisdiction and of Disrupty’s partners.

Disrupty may, at any time and at its sole discretion, request additional or updated documents and information to confirm the veracity of the data provided, the Partner’s identity, its beneficial ownership and the legitimacy of its activity. Failure to provide them within the requested period may result in suspension, withholding of amounts, or termination.

Submitting false, altered, incomplete, expired or fraudulent documents is a serious violation of this Policy and may lead to immediate suspension or termination, blocking or withholding of amounts, and reporting to the competent authorities.

Own-name receiving account (anti-fraud and AML shield)

The bank or payment account registered to receive payouts must belong to the Partner itself (same holder as the registration) and must be domiciled in the same country/domicile declared in the registration.

Third-party accounts are strictly prohibited. Disrupty will not transfer funds to an account held by any person or entity other than the registered Partner, nor to a domicile different from the one declared at registration.

Any attempt to route funds to a third party, to a mismatched domicile, or to disguise the true recipient of funds will be treated as a strong indicator of fraud or money laundering, and may result in immediate suspension, withholding of amounts, creation or increase of a security reserve, and reporting to the competent authorities.

This requirement is a core integrity control of the Platform and applies to Brazilian and international Partners without exception.

Correct contract and language routing

The applicable set of terms and policies is determined by the country of establishment declared by the Partner in the registration. International Partners must actively accept the English-language international instruments (including confirming, via the applicable acceptance mechanism, that they understand the language) and are bound by them.

Advertising, marketing and creative standards

The Partner is solely responsible for all information, promotions, advertisements, brands, creatives, sales pages and any content associated with its offers. The Partner undertakes to:

• Never send false tracking codes or otherwise misrepresent the shipment, delivery or fulfilment of a product or service;
• Never plagiarise or impersonate — not using logos, domains, brands or any element confusingly similar to those of other companies, nor infringing third-party trademarks, patents, industrial designs or copyrights;
• Respect privacy and image rights — not using creatives featuring public figures, celebrities or any identifiable person, in campaigns or online pages, without documented authorization;
• Avoid deceptive or abusive claims — not making misleading, coercive, unfair or abusive commercial claims, including unrealistic income, results, health or financial-recovery promises;
• Keep information accurate and up to date, consistent across all channels, sales pages and areas external to the Partner’s own sites.

AI-generated and synthetic media — mandatory disclosure

Because card networks, acquirers and payment partners (in particular in the United States) require it, and because undisclosed synthetic content is treated as deceptive advertising that can block an account, the following rules apply to every Partner:

• Clear disclosure. Where advertising creatives, sales pages, testimonials, images, audio or video are generated or materially altered by artificial intelligence or other synthetic-media techniques, the Partner must clearly and conspicuously disclose that fact, and must apply any label required by applicable law, card-scheme or acquirer rules.
• No deceptive deepfakes. The Partner must not create, use or distribute deepfakes or synthetic depictions of real, identifiable persons (including public figures, celebrities, executives, experts or ordinary consumers) without documented authorization, nor present AI-generated voices or likenesses as genuine endorsements.
• No fabricated endorsements. AI-generated or synthetic testimonials, reviews, ratings or endorsements must never be presented as real. Testimonials must reflect genuine, verifiable customer experiences.
• No misleading synthetic content. Synthetic content must not be used to misrepresent the identity of the seller, the nature or results of a product or service, earnings potential, or health, medical or financial outcomes.

Undisclosed or deceptive synthetic content constitutes a serious violation of this Policy and may result in immediate suspension, withholding of amounts and termination, without prejudice to reporting to the competent authorities and to card-scheme/acquirer programs.

Prohibited products and services

The following products, services and activities may never be traded, promoted or processed through the Platform, under any circumstances. The list is illustrative and non-exhaustive and must be interpreted broadly:

Illegal goods, services and conduct

• Any product, service, activity, advertisement or means of promotion that violates applicable law in Brazil or in any other relevant jurisdiction, including rules of health-surveillance, agriculture, environmental, mining, defence and consumer-protection authorities;
• Any crime, or the trading of products that are the object of a crime (including goods obtained through robbery, theft or other property crimes);
• Operations whose purpose is to defraud the law or the rights of third parties, including the trading of third parties’ personal data or any activity that infringes applicable data-protection law.

Drugs, weapons and dangerous goods

• Drug trafficking and controlled or illicit substances, narcotics, anabolic steroids, hormones, medications of any kind, precursors, hallucinogens, poisons (including pesticides and agrochemicals), substances that imitate drugs or psychoactive products, and any product intended to produce or cultivate the foregoing;
• Bladed weapons, firearms, ammunition, explosives, grenades, fireworks, CO2 guns, parts or components for the construction of weapons, and replicas or similar products;
• Abortion pills and equipment or products intended to perform abortion, or that facilitate, encourage or promote the commission of crimes.

Exploitation, adult and hateful content

• Prostitution, human trafficking, escort agencies, escort or sexual services, and any pornographic content; any content involving the exploitation of the image of minors or that fosters sexual crimes or child abuse;
• Products or services promoting the mutilation of a person, animal or organ, or bestiality;
• Promotion of hatred, violence, discrimination, racial or ethnic intolerance, terrorism, harassment or abuse.

Intellectual-property infringement and counterfeits

• Reproduction, imitation, modification, copy or replica of any product that infringes copyrights, trademarks, patents, industrial designs, trade secrets or intellectual/industrial property of third parties;
• Pirated, OEM, NFR or unlicensed software, backup copies, academic programs, and unauthorized third-party courses or bundled course collections;
• Use of third-party brands, creatives of public figures, or false tracking codes.

Human body, GMOs and regulated valuables

• Organs, tissues, bones, limbs, mortal remains, or genetically modified organisms;
• Precious metals, gemstones, jewellery, antiques and works of art without documentation attesting to their lawful origin and proper tax documentation.

Financial crime, schemes and prohibited financial services

• Financial pyramids or illegal schemes promising quick money, misleading advertisements, lottery tickets, prize booklets, games of chance, bingo, betting, unregulated sweepstakes, prohibited games, slot machines, or anything that promises to produce currency;
• Money laundering, concealment or use of assets arising from criminal activity, or any activity giving the appearance of legality to unlawful funds; any activity that finances or prepares a terrorist act; currency evasion, embezzlement or corruption schemes;
• Sale of credit instruments or products exclusive to financial institutions or regulated markets; debt-settlement, credit-recovery, loan or card-issuance services offered outside a lawful, authorized framework; unauthorized foreign-exchange, money orders, traveller’s cheques, cash advances by non-financial institutions, and virtual/crypto currencies (except where expressly authorized in writing by Disrupty);
• Any product or service that has the characteristics of crowdfunding or money donation.

Deceptive and impossible info products

• Lottery or PIX “robots” and applications promising winnings; raffles and sweepstakes; resale of streaming subscriptions or applications; spy or phone/WhatsApp-cloning apps;
• Info products promising unrealistic gains (e.g., government-payment recovery, “prosperity recovery”, guaranteed cures such as a diabetes cure, name-clearing / credit-bureau removal), products tied to government programs, sale of social-media followers or likes, sale of tickets, and content with explicit nudity;
• Sale of non-existent products or products impossible to deliver.

Restricted products (prior written approval required)

The following categories are considered high-risk and may only be traded on the Platform with the prior, express and written approval of Disrupty, which may be refused or revoked at any time and at its sole discretion. Where a category is not expressly listed, the Partner must consult Disrupty before offering it, under penalty of de-accreditation:

• High-value physical goods and consumer electronics (e.g., notebooks, computers, smartphones, tablets, appliances), and, in general, physical products above a value threshold defined by Disrupty per market;
• Motor vehicles of any kind (including cars, motorcycles and scooters) and their parts;
• Multi-level marketing services; sale of access to cyberlockers or similar IT-network services;
• Nutritional supplements, cosmetics and health-adjacent products making no unlawful claims;
• Any other product or service that a card scheme, acquirer, payment partner or applicable law subjects to special conditions, and any product Disrupty deems misaligned with these terms, which will be notified for removal.

It is the Partner’s responsibility, before offering or acquiring any product, to verify the legality of the product, activity, advertisement and means of promotion under all applicable laws.

Consumer protection and complaint handling

The Partner is solely responsible for the quality, quantity, safety, adequacy, price, delivery, functionality and warranties of its products and services, and for resolving directly with the customer any dispute, withdrawal, exchange or return.

The Partner must publish and keep updated, on its checkout and sales pages, clear support, delivery, exchange, return and refund information, together with its identification and contact details, in accordance with applicable e-commerce and consumer law.

Complaint-response practice (Reclame Aqui / equivalent). Disrupty strongly recommends that the Partner maintain an active presence on the applicable public complaint platform (such as Reclame Aqui in Brazil, or the equivalent in its market) and respond promptly to customer complaints. Timely resolution reduces chargebacks and withholding of funds and is a factor in the Partner’s account health. This practice is the basis of Disrupty’s content-compliance standard.

Where Disrupty verifies recurring problems or complaints regarding a Partner’s products or services, it may temporarily suspend accreditation, decline new transactions, block access to the features and withhold amounts, until the associated financial risk is mitigated.

Account health, chargebacks and security reserve

Excessive chargebacks, fraud or complaint rates threaten the Partner’s standing and that of Disrupty before card schemes and acquirers. Disrupty may set and enforce a maximum chargeback threshold; a Partner that exceeds it may be suspended, subjected to increased withholding, or terminated.

Rolling reserve. Disrupty may maintain a rolling security reserve, consisting of the retention of a percentage of the Partner’s settled volume (market reference: 1.5%), held for a defined period (market reference: up to 120 days), to guarantee current and future obligations arising from chargebacks, reversals, refunds, fines and other charges. The percentage and period may be adjusted according to the Partner’s risk profile.

Chargeback-alert fee (international operations). For international transactions, a fee may be charged per chargeback alert received (market reference: US$ 50.00 per alert), to cover the operational cost of handling and disputing the alert.

Payout terms. The timing of payouts to the Partner is defined by Disrupty and disclosed on the Platform. Disrupty aims to offer payout terms that are shorter and more transparent than market practice, subject always to risk, reserve and anti-fraud controls.

Note: the specific reserve percentage, reserve period, chargeback-alert fee and chargeback threshold are commercial parameters. The figures above are indicative market references and should be confirmed in Disrupty’s commercial schedule / Terms of Use before publication.

Monitoring, enforcement and consequences

Given the nature of the services, Disrupty may monitor Partners’ activities, the products advertised and the purchases made, in order to verify compliance with this Policy, the Terms of Use and applicable law.

If a violation is identified or suspected, Disrupty may, at its sole discretion and without prior notice: (i) remove or refuse content or products; (ii) suspend or block access to the Platform and features; (iii) withhold, reserve or set off amounts; (iv) create or increase a security reserve; (v) terminate the accreditation and this Policy; and (vi) report the matter to the competent authorities, card schemes and acquirers.

Improper use will result in immediate blocking in order to protect intellectual property, consumers and the integrity of the Platform. The Partner remains liable, civilly and criminally, for its conduct and for any damage caused to Disrupty, consumers or third parties, and undertakes to hold Disrupty harmless from any related claim, cost or penalty.

Questions and reporting

If the Partner has doubts about whether a product or practice is permitted, it must consult Disrupty before offering it. Questions, reports of abuse and requests relating to this Policy may be sent through the Disrupty Platform or to sac@disrupty.tec.br.

This Content Policy is an integral and inseparable part of the Disrupty Terms of Use and must be read together with it.