Acceptable Use Policy

This Acceptable Use Policy (the "AUP") sets the rules for Products and activities supported through Ruba. It forms part of the Ruba Seller Services Agreement (the "Seller Agreement").

Definitions

In this AUP:

"Available Balance" means the portion of a Seller's Seller Balance that Ruba determines is currently eligible for payout under the Seller Agreement.

"Buyer" means a person who purchases a Product from Ruba through Ruba Checkout.

"Card Network" means a payment card network such as Visa, Mastercard, American Express, or Discover.

"Chargeback" means a payment dispute, reversal, retrieval, or similar process initiated by a Buyer, issuing institution, Card Network, acquirer, or Payment Processor.

"Confidential Information" means non-public information disclosed by one party to the other that is identified as confidential or that reasonably should be understood to be confidential given its nature and the circumstances of disclosure.

"Fee Schedule" means the generally applicable fees and pass-through costs published at https://getruba.com/resources/pricing, together with any different pricing expressly agreed with a Seller in writing.

"Intellectual Property Rights" means all patent, copyright, trademark, trade-secret, design, database, moral, publicity, and other intellectual-property or proprietary rights, whether registered or unregistered, together with applications, renewals, and extensions of those rights.

"Merchant of Record" means Ruba's role as the seller to the Buyer for a Transaction, including charging the Buyer in Ruba's name and administering the associated payment, transaction documentation, applicable Transaction Taxes, refunds, and Chargebacks under the agreements governing the Transaction.

"Network Rules" means the applicable rules, standards, operating regulations, and requirements of Card Networks, acquirers, and Payment Processors.

"Payment Processor" means a regulated payment, acquiring, payout, banking, fraud, or related financial-service provider used to support the Services.

"Payout Account" means an account established through a Payment Processor for an approved Seller to receive payouts of Available Balance. A Payout Account does not give the Seller access to Ruba's payment-processing account or authorize the Seller to process payments independently through Ruba's Payment Processor.

"Product" means approved software, software-as-a-service, an API, a digital download, a license key, digital content, a subscription, or another digital offering that Ruba has expressly approved for resale, including approved integration, implementation, or support fees that are secondary to that offering. An individual freelancer may sell an approved Product. A Product does not include physical goods, donations, crowdfunding, or an offering whose principal purchased value is consulting, custom design or development, agency work, coaching, managed technical support, or another manually fulfilled human service, or any prohibited or restricted offering, unless Ruba expressly approves it in writing.

"Product Information" means the information a Seller provides about a Product, including its description, functionality, pricing, billing interval, fulfillment method, tax classification, support terms, refund eligibility, cancellation method, legal restrictions, and associated websites or applications.

"Product Support" means fulfillment, delivery, access, maintenance, technical support, warranty service, and other support relating to the Product itself.

"Ruba", "we", "us", and "our" mean RUBA GLOBAL LLC, a New Jersey limited liability company with its registered office at 99 Green Grove Ave, Keyport, New Jersey 07735.

"Ruba Checkout" means the checkout interface made available by Ruba through which Buyers may purchase Products using the payment methods actually displayed at checkout.

"Ruba Fee" means the fee Ruba retains for providing the Services, as stated in the Fee Schedule or another written pricing agreement with a Seller.

"Ruba Marks" means Ruba's names, logos, trademarks, service marks, and trade names.

"Reserve" means the portion of a Seller's Seller Balance that Ruba designates as temporarily unavailable for payout to address actual or reasonably anticipated liabilities under the Seller Agreement.

"Seller", "you", and "your" mean the person or entity that has accepted the Seller Agreement.

"Seller Account" means the Seller's account through which the Seller accesses the Services.

"Seller Balance" means Ruba's bookkeeping record of Seller Proceeds, adjustments, deductions, Reserves, payouts, and other amounts recorded for a Seller Account.

"Seller Proceeds" means the net amount credited to a Seller Balance for a Transaction after deduction of applicable Transaction Taxes, Ruba Fees, refunds, Chargebacks, negative balances, and other amounts chargeable to the Seller under the Seller Agreement.

"Seller Website" means a website or application through which a Seller describes, markets, delivers, or supports a Product or directs a prospective Buyer to Ruba Checkout.

"Services" means the Seller Account, Ruba Checkout, and Ruba's reseller, payment, subscription, tax, payout, and related services.

"Transaction" means a completed sale of a Product by Ruba to a Buyer through Ruba Checkout.

"Transaction Taxes" means sales tax, use tax, value-added tax, goods and services tax, and similar indirect transaction taxes charged on a Transaction. Transaction Taxes do not include income, business, payroll, property, or other direct taxes.

"Website" means Ruba's website at https://getruba.com.

1. Scope and General Requirements

1.1. This AUP applies to each Seller, Seller Account, Product, Seller Website, Transaction, and use of the Services. It also applies to anyone who accesses or uses the Services on a Seller's behalf.

1.2. You may use the Services only for a Product, Seller Website, country, and business model that Ruba has expressly approved. Approval of one Product or use does not approve another. A Product that appears in a generally permitted category may still be rejected or restricted because of its content, functionality, marketing, fulfillment method, jurisdiction, refund or Chargeback risk, or requirements imposed by law, a Payment Processor, or Network Rules.

1.3. You are responsible for ensuring that your Products, Product Information, Seller Websites, marketing, fulfillment, Product Support, and use of the Services comply with this AUP, the Seller Agreement, applicable law, Network Rules, and any additional conditions communicated to you by Ruba or a Payment Processor.

1.4. The examples in this AUP clarify how categories are ordinarily treated but cannot identify every possible Product, feature, or use. Ruba may classify a substantially similar or newly developed offering according to its actual content, functionality, marketing, and risk rather than the label used to describe it. Ruba will not make eligibility decisions in a manner prohibited by applicable anti-discrimination law. No Product is approved merely because a similar Product has previously been approved or is available from another seller or platform.

2. Generally Permitted Products

Subject to Ruba's review and approval, the following categories are generally eligible when they are lawful, accurately described, and electronically fulfilled:

2.1. Software and software-as-a-service: cloud software, downloadable applications, mobile or desktop applications, video games, browser extensions, developer tools, APIs, plugins, and integrations.

2.2. Artificial-intelligence Products: software that generates or assists with text, code, images, audio, video, analysis, workflows, or other digital outputs, provided that it does not include a restricted feature under Section 3 or a prohibited feature, content, or use under Section 4.

2.3. Digital downloads and original digital content: eBooks, PDF guides, templates, design assets, icon or font libraries, stock media, audio samples, source-code packages, and other files that the Seller owns or is authorized to license and that provide the value described to the Buyer.

2.4. Courses, publications, and access Products: online courses, digital subscription publications, gated content repositories, and access to a Product-related user or support community. A community membership is generally eligible only when it is a genuine digital Product or a meaningful feature of another approved Product, is not a disguised donation or fundraising arrangement, and does not primarily provide prohibited content or manually fulfilled services.

2.5. Subscriptions and usage-based access: recurring or usage-based access to an approved Product, provided that pricing, renewal, cancellation, and fulfillment disclosures comply with the Seller Agreement and applicable law.

2.6. Electronic fulfillment means that the Buyer receives a usable digital Product, access credential, file, license key, or invitation without requiring the Seller to complete custom work for that Buyer. Product Support, onboarding materials, configuration guidance, implementation assistance, or other human involvement may accompany the Product only when the digital Product is usable without that work and the human work is not the principal deliverable purchased by the Buyer.

2.7. Individuals and freelancers: an individual does not need to form a company to apply as a Seller. A freelancer may sell an approved Product, including software, a template, a course, or another approved digital offering. Ruba does not currently support a Transaction whose principal purchased value is the freelancer's time or custom work performed for a particular Buyer, such as custom design, development, writing, consulting, coaching, agency work, or managed technical support. Describing custom work as a "digital product" or "solution" does not change how Ruba, a Payment Processor, or a Card Network may classify it.

3. Restricted Products Requiring Prior Written Approval

You must not use the Services for any Product in this Section unless Ruba has reviewed the specific Product and given you prior written approval. Ruba may request licenses, policies, financial records, fulfillment evidence, demonstration access, consent controls, or other information; impose limits, Reserves, or monitoring; or decline the Product. Payment Processor approval may also be required and may be changed or withdrawn.

3.1. virtual private networks, proxy services, virtual private servers, virtual dedicated servers, hosting infrastructure, cyberlockers, or file-sharing services;

3.2. artificial-intelligence Products that create or materially alter a real person's face, body, voice, likeness, or identity; make consequential decisions about identifiable individuals; host or distribute user-generated content to the public; or otherwise present elevated impersonation, infringement, privacy, safety, or abuse risk;

3.3. content-creation or content-hosting platforms that distribute third-party creator content or permit creators to receive tips or payments or sell exclusive content or digital goods;

3.4. job boards, hiring marketplaces, background-information Products, people-search Products, or directories and databases that aggregate information about identifiable individuals or allow third-party listings;

3.5. pre-orders, paid waitlists, future-release reservations, unfinished Products, or Products whose material features will be delivered after the Transaction;

3.6. ticket sales, event registrations, bookings, or admission Products;

3.7. dating, matchmaking, social-discovery, or relationship platforms that are not prohibited under Section 4;

3.8. marketing or outreach Products that send communications to third parties, collect leads or contact information, purchase or sell advertising, optimize search rankings through automated activity, or otherwise present elevated spam, privacy, artificial-engagement, or deception risk. Tools limited to creating content for a Seller's or user's own channels are generally eligible under Section 2;

3.9. educational, wellness, fitness, nutrition, legal-information, or financial-information Products that provide or appear to provide individualized medical, legal, financial, tax, investment, or other regulated professional recommendations. Ordinary career tools, resume builders, original test-preparation materials, fitness trackers, budgeting tools, and general informational Products are generally eligible when they do not provide regulated advice or perform another restricted or prohibited function;

3.10. pay-what-you-want support, tips, or sponsorship connected to an approved open-source Product or creator's own digital content, provided that the Buyer receives or supports a clearly identified Product and the arrangement is not charitable fundraising, personal crowdfunding, peer-to-peer money transmission, or payment for a prohibited Product; and

3.11. any Product or business model that a Payment Processor classifies, or Network Rules classify, as restricted; that requires additional due diligence; or that Ruba identifies in writing as requiring review before launch.

Written approval under this Section is limited to the Product, Seller Website, functionality, content, fulfillment method, jurisdictions, and other conditions reviewed. You must obtain new approval before making a material change.

4. Prohibited Products and Business Models

Every category in this Section is prohibited for use with Ruba, but the reason for the prohibition differs. Some activities are unlawful; some are prohibited or restricted by a Payment Processor, Card Network, or jurisdiction; and others fall outside Ruba's approved launch model or present financial, fulfillment, tax, consumer-protection, or reputational risk that Ruba does not currently accept. When an example is lawful, its inclusion means only that it is outside Ruba's current approved scope or risk tolerance; it is not a statement that the activity or every business in that category is illegal.

You must not market, sell, facilitate, or use the Services in connection with any of the following. A prohibition applies whether the Product directly performs the prohibited activity, enables another person to perform it, provides material instructions or tools for it, or disguises it within an otherwise permitted Product.

A. Models Ruba Does Not Support at Launch

4.1. Physical goods: tangible merchandise or any other item requiring physical shipping, handling, or delivery.

4.2. Primarily manual services: consulting, custom development or design, agency work, coaching, writing, repair, managed technical support, or other work whose principal purchased value is human labor performed for a particular Buyer. Human assistance accompanying an approved Product remains governed by Section 2.6 and the Seller Agreement.

4.3. Travel and hospitality: flights, cruises, lodging, transport, travel reservations, travel clubs, vacation packages, or travel-agency services.

4.4. Marketplaces and undisclosed sellers: multi-vendor marketplaces; payment facilitation or aggregation; receiving or routing funds for goods or services supplied by an undisclosed third party; or permitting another person to use your Seller Account, Ruba Checkout, Payout Account, or Transaction flow to sell to a Buyer.

4.5. Resale without authorization or meaningful value: unauthorized resale of a third party's Product, license key, account, credential, access token, service, or government offering; drop-shipping; or resale that provides no bona fide added value to the Buyer.

4.6. Donations, fundraising, and money movement: charitable or political donations, personal crowdfunding, general fundraising or sponsorship, grants, peer-to-peer payments, remittances, money transmission, cash advances, escrow, cheque cashing, debt collection, or any Transaction without a bona fide approved Product. Section 3.10 states the only category of Product-connected support that Ruba may approve.

4.7. Stored value and payment instruments: gift cards, prepaid cards, transferable credits, money orders, virtual currency, stored-value products, or any instrument intended to store or transfer monetary value, except limited non-transferable credits usable only for the Seller's own approved Product where Ruba and its Payment Processor have expressly approved them in writing.

B. Financial, Gambling, and Speculative Products

4.8. securities, brokerage, investment or portfolio management, lending, credit repair, debt relief, mortgage services, insurance, banking, account funding, buy-now-pay-later, currency exchange, or other regulated financial products or services;

4.9. trading bots, funded or proprietary trading, trading signals, market predictions, individualized investment guidance, or Products promising or implying guaranteed or unusually easy financial returns;

4.10. cryptocurrencies, cryptocurrency mining or staking, exchanges, wallets, initial coin offerings, non-fungible tokens, tokenized assets, or blockchain instruments with financial or transferable value;

4.11. gambling, betting, lotteries, sweepstakes, contests, fantasy sports, bidding-fee auctions, games of chance, paid competitions with prizes, or loot boxes or mystery rewards with monetary or material value; and

4.12. pyramid schemes, multi-level marketing, recruitment-based compensation, or get-rich-quick schemes.

C. Illegal, Regulated, and Unsafe Products

4.13. any Product, content, Transaction, person, jurisdiction, or end use that applicable law prohibits or that Ruba or a Payment Processor is prohibited from supporting, including activity involving fraud, theft, bribery, sanctions or tax evasion, transaction laundering, failure to disclose or material misrepresentation of beneficial ownership when disclosure is required, use of a sham entity, use of a shell entity to disguise ownership, business purpose, transaction activity, source of funds, or unlawful conduct, regulatory evasion, unlawful violence, or criminal proceeds;

4.14. controlled substances, illegal drugs, prescription drugs, cannabis or cannabidiol products, pseudo-pharmaceuticals, unsafe nutraceuticals, alcohol, tobacco, vaping products, or related production, consumption, or cultivation equipment;

4.15. firearms, weapons, explosives, dangerous materials, or instructions, components, or equipment whose principal purpose is to create or unlawfully use them;

4.16. clinical diagnosis, treatment, telemedicine, pharmacy services, prescription products, regulated medical devices, individualized medical guidance, or Products making unsafe, deceptive, or unsubstantiated health claims;

4.17. government services, company formation or incorporation, registered-agent services, government filings, license or permit applications, immigration or citizenship services, visa or passport processing, identity documents, document falsification, fake references, identity-theft protection or recovery, or services presented as authorized by a government when they are not;

4.18. SIM cards, eSIM plans, VoIP resale, telecommunications services, jamming or telecommunications-manipulation equipment, or regulated communications infrastructure;

4.19. fortune-telling, psychic readings, clairvoyance, or other personalized predictive or spiritual services marketed as fact or used to make health, legal, financial, or other consequential decisions; and

4.20. any Product requiring a license, registration, certification, or regulatory approval that the Seller does not hold or that Ruba and the applicable Payment Processor have not expressly approved.

D. Adult Content, Exploitation, and Harm to Minors

4.21. pornography, content primarily designed for sexual gratification, adult live-chat or webcam services, escort or sexual services, fetish services, sexually explicit relationship or chatbot applications, or artificial-intelligence content meeting those descriptions;

4.22. sexual content involving or appearing to involve a minor, sexual exploitation, human trafficking, non-consensual intimate content, or any attempt to solicit, groom, endanger, or exploit a minor;

4.23. Products primarily directed to children under 13, or Products directed to minors that collect personal data, enable private contact with unknown adults, or involve legally restricted content, without Ruba's prior written approval and demonstrable compliance with applicable child-safety, privacy, consent, and age-assurance requirements; and

4.24. face-swapping, nudification, deepfake, voice-cloning, impersonation, or identity-simulation Products that lack effective authorization and consent controls or are designed or likely to facilitate fraud, harassment, exploitation, or non-consensual content.

E. Infringement, Deception, and Data Abuse

4.25. pirated, counterfeit, stolen, or unlawfully imported or exported products; unauthorized copyrighted media, software, broadcasts, license keys, branded goods, or other material; or any Product that infringes or facilitates infringement of Intellectual Property Rights, privacy, publicity, or contractual rights;

4.26. unauthorized IPTV, streaming, media-download, paywall-bypass, watermark-removal, digital-rights-management circumvention, account-sharing, or other tools designed to evade access controls or third-party terms;

4.27. leaked or copyrighted examination questions, answer keys, certification dumps, academic cheating tools, plagiarism services, or falsified credentials. Original educational and test-preparation content may be eligible under Sections 2 and 3;

4.28. fake reviews, testimonials, followers, traffic, clicks, engagement, credentials, identities, documents, or social proof;

4.29. deceptive, predatory, or no-value offerings, including shovelware, materially unfinished or nonfunctional Products, hidden or misleading recurring charges, false scarcity, high-pressure or misleading upsells, exaggerated or materially unverifiable outcome claims, or a Product that delivers materially less than advertised;

4.30. sale, brokering, publication, harvesting, scraping, enrichment, or aggregation of personal data, credentials, financial records, health information, precise location, leaked information, or marketing lists without a documented lawful basis and all required notices and consents; and

4.31. people-search, surveillance, background-check, facial-recognition, open-source intelligence, doxxing, or tracking Products that enable unlawful monitoring, stalking, discrimination, exposure of sensitive data, or material harm to an individual.

F. Malicious, Abusive, and Circumvention Technology

4.32. malware, spyware, ransomware, phishing kits, credential theft, botnets, denial-of-service tools, exploits, or software designed to gain unauthorized access, damage systems, evade security controls, or exfiltrate data;

4.33. game cheats, aimbots, wallhacks, bots, macros, or other Products designed to defeat a game's technical controls or materially undermine competitive integrity;

4.34. cloaking, traffic laundering, device or identity spoofing, CAPTCHA solving, rate-limit or access-control evasion, Card Network or fraud-control evasion, or anonymization principally designed to deceive a platform, regulator, Payment Processor, or fraud monitor;

4.35. bulk unsolicited email or messages, robocalling, spam, credential stuffing, abusive account creation, artificial engagement, or tools primarily designed to enable those activities; and

4.36. content or services that promote or materially facilitate terrorism, unlawful violence, or unlawful discrimination or harassment against a protected person or group.

5. Prohibited Uses of the Services

In addition to the Product restrictions above, you must not:

5.1. provide false, manipulated, incomplete, or misleading information about your identity, entity, ownership, Product, Seller Website, business model, location, Transaction, or expected activity, or fail to notify Ruba of a material change as required by the Seller Agreement;

5.2. submit a Transaction that does not represent a bona fide sale of an approved Product; process your own payment method; test stolen payment credentials; disguise one Product as another; split, route, or structure activity to evade review; or process for an undisclosed person;

5.3. share Seller Account credentials or a Payout Account with an unauthorized person, access another user's account or data without authorization, or represent that a Payout Account is a general-purpose bank or independent payment-processing account;

5.4. obscure, alter, contradict, frame deceptively, or interfere with Ruba Checkout, Buyer consent controls, pricing or recurring-payment disclosures, the Buyer Purchase Terms, receipts, cancellation methods, or other required notices;

5.5. bypass, disable, defeat, probe, or interfere with authentication, authorization, fraud, security, rate-limit, monitoring, or access controls; introduce harmful code; overload or disrupt the Services; or use the Services to attack another system;

5.6. gain unauthorized access to, alter, destroy, disclose, scrape, or harvest Ruba's or another person's non-public systems, source code, credentials, Confidential Information, personal data, Transaction records, or Buyer lists;

5.7. copy, modify, distribute, sublicense, sell, reverse engineer, decompile, or create derivative works from the Services or Ruba's materials except to the extent expressly permitted by the Seller Agreement, an applicable open-source license, Ruba's written authorization, or law that cannot validly be excluded. An open-source license does not authorize access to Ruba's hosted deployment, production infrastructure, non-public systems, credentials, data, Confidential Information, Ruba Marks, or material that Ruba has not distributed under that license;

5.8. use the Services or non-public information obtained through them to build or operate a competing Merchant of Record, payment-processing, or reseller service, or benchmark or scrape the Services through unauthorized access. This Section does not prohibit ordinary review of publicly available information or the exercise of rights expressly granted under an applicable open-source license;

5.9. remove or alter a proprietary notice, falsely claim Ruba's endorsement, use Ruba Marks without authorization, or make a false or misleading statement about Ruba, a Payment Processor, or your relationship with either;

5.10. use the Services in a safety-critical system, including life support, nuclear-facility control, air-traffic control, or emergency-response infrastructure, where a failure of the Services could reasonably be expected to cause death, personal injury, or severe property or environmental damage;

5.11. use the Services for the benefit of a sanctioned or prohibited person, jurisdiction, Product, Transaction, or end use, or evade applicable sanctions, export controls, geographic restrictions, or Payment Processor requirements; or

5.12. use the Services for personal, family, or household transfers unrelated to a legitimate Product and digital business.

6. Review, Monitoring, and Enforcement

6.1. Ruba and its service providers may review Seller Account information, Seller Websites, Product Information, Product demonstrations, fulfillment, Transactions, refund and Chargeback activity, Buyer reports, public sources, and other information reasonably relevant to determining compliance with this AUP. Nothing in this Section requires continuous monitoring or guarantees that Ruba will identify every violation.

6.2. Ruba may request information or corrective action, reject or remove a Product, limit Transactions or features, establish or adjust a Reserve, delay or restrict payouts, suspend access, or terminate a Seller Account as permitted by the Seller Agreement. Ruba may also report suspected unlawful activity or respond to lawful requests from authorities.

6.3. Except where immediate action is required by law, a Payment Processor, Network Rules, sanctions requirements, fraud, security, or material financial risk, Ruba will use commercially reasonable efforts to notify you of a material restriction and provide a reasonable opportunity to submit corrective information or request internal review, consistent with Sections 8.5, 8.6, and 16 of the Seller Agreement.

6.4. Review, approval, or a failure to take enforcement action does not waive this AUP, transfer responsibility from you to Ruba, or guarantee future approval. A waiver is effective only as stated in Section 20.7 of the Seller Agreement.

7. Changes and Questions

7.1. Ruba may update this AUP. Ruba will update the "Last updated" date and provide reasonable advance notice of a material change by email, through the Services, or on the Website. A change may take effect sooner where required by law, Network Rules, a Payment Processor, security, fraud prevention, or an urgent operational need.

7.2. Changes apply prospectively from their stated effective date. If you do not agree, you must stop using the affected Services and may terminate the Seller Agreement. Continued use after the effective date constitutes acceptance where permitted by law. Ruba may require affirmative acceptance of a material change.

7.3. If you are uncertain whether a Product or use is permitted, contact support@getruba.com and obtain written approval before offering it through Ruba. A general response, discussion, or request for information is not approval unless Ruba expressly identifies the approved Product and use in writing.

Contact

RUBA GLOBAL LLC
99 Green Grove Ave
Keyport, New Jersey 07735
AUP and legal questions: legal@getruba.com
Product-eligibility and approval requests: support@getruba.com