Acceptable Use Policy

1. Purpose and Scope

1.1. This Acceptable Use Policy ("Policy") sets out the mandatory usage standards governing your access to and use of all services, checkout workflows, APIs, and reseller tools (collectively, the "Services") provided directly or indirectly by WRITE RUBA's FULL LEGAL NAME HERE and its subsidiaries or affiliates ("Ruba", "we", "us", or "our"). It applies to all merchants, developers, and sellers using our platform, as well as to every digital product, application, or service ("Product") processed through Ruba Checkout.

1.2. You remain solely responsible for ensuring that your business operations, marketing methods, and Products comply fully with all applicable local, national, and international laws and regulations. You must also abide by the rules of all payment card networks and financial partners. This Policy supplements and is incorporated into the Ruba Seller Agreement (the "Agreement"). Any capitalized terms used here without definition carry the meaning assigned to them in the Agreement.

1.3. Enforcement and Consequences: We monitor platform activity closely. If you violate any provision of this Policy, or if your offering generates excessive disputes or financial risk, Ruba reserves the right to take immediate action without prior notice. This includes rejecting specific Products, freezing payouts, suspending checkout access, or terminating your Seller Account entirely.

2. Permitted Offerings (What You Can Sell)

Ruba is specifically designed to support modern software creators, developers, and digital entrepreneurs. You may use our Services to distribute and resell:

(i) Software and SaaS: Cloud-based software, downloadable applications, desktop software, mobile apps, video games, browser extensions, and developer APIs;

(ii) Digital Assets and Content: Electronic books (eBooks), PDF guides, digital templates, UI/UX design kits, icon packs, font libraries, stock photography, video footage, audio samples, and source code packages; and

(iii) Premium Access and Memberships: Paid community memberships (such as private Discord servers or Slack workspaces), gated content repositories (such as private GitHub access), online courses, and digital subscription newsletters.

As a general rule, your offering must be a digital product, software tool, or online service where fulfillment occurs electronically — either automatically handled by Ruba (such as issuing license keys, file downloads, or automated invitation links) or provisioned instantly through our API upon purchase or subscription renewal.

3. Restricted Offerings (Requiring Enhanced Review)

Certain business models and product categories carry an elevated risk of consumer misunderstanding, regulatory scrutiny, or billing disputes. You may not process payments for the following categories without undergoing enhanced due diligence and receiving explicit prior written approval from Ruba:

(i) Virtual Private Network (VPN), Virtual Private Server (VPS), and Virtual Dedicated Server (VDS) providers;

(ii) Artificial intelligence (AI) content generation tools (including text, image, video, and voice synthesis software);

(iii) Online directories, curated lists, and job boards;

(iv) Pre-orders, paid waitlists, and future-release reservations;

(v) Ticket sales and event registrations;

(vi) Digital eBooks and informational guides (subject to screening for quality and copyright compliance);

(vii) Marketing automation, outreach, and lead-generation tools;

(viii) Career tools, resume builders, and professional hiring platforms;

(ix) Astrology, horoscope, tarot, and spiritual guidance services; and

(x) Audio, music, or chatbot creation software (provided they involve no voice cloning without consent, no adult content, and no intellectual property infringement).

If you operate within any of these categories, our risk team will contact you to request supplemental documentation, demonstration access, or enhanced due diligence before enabling full checkout functionality.

4. Prohibited Products and Business Categories (What You Cannot Sell)

Ruba is built strictly for digital software and content businesses. If your core business involves manual human services or physical merchandise, our Services are not appropriate for your use.

You must never use Ruba Checkout or our Services to sell, market, or facilitate any Product or transaction that involves, touches upon, or connects to the following prohibited categories and practices. To ensure clarity, we have grouped these prohibited activities by theme. This list is illustrative and non-exhaustive; Ruba determines category classification in its sole discretion:

A. Non-Digital & Manual Service Offerings

1. Physical Goods: Any tangible merchandise requiring physical shipping, handling, or logistics;
2. Human Services: Manual labor, in-person consulting, coaching, physical therapy, or real-world personal services;
3. Technical Support & Repair: Remote or on-site computer repair, IT support contracts, or hardware troubleshooting;
4. Travel & Hospitality: Flight bookings, hotel reservations, travel agency services, or vacation packages;
5. Third-Party Marketplaces: Platforms where you resell products or services created by third parties under a revenue-share or multi-vendor arrangement without direct upfront licensing;
6. Non-Ruba Seller Enablement: Platforms or tools designed to let third parties process payments or sell goods to end consumers through your Ruba account.

B. Financial, Trading & Speculative Services

7. Trading & Brokerage: Platforms facilitating financial trading, securities brokerage, crypto asset exchanges, investment advisory, or portfolio management;
8. Trading Signals & Bots: Automated trading algorithms, stock/forex/crypto signal alerts, market prediction tools, or wealth management guidance;
9. Crypto & NFTs: Cryptocurrencies, non-fungible tokens (NFTs), tokenized assets, or blockchain-based financial instruments;
10. Gambling & Betting: Online casinos, sports betting, lotteries, games of chance, bingo, and games featuring loot boxes or mystery rewards;
11. Get-Rich-Quick Schemes: Programs, guides, or courses promising unrealistic wealth, guaranteed financial returns, or multi-level marketing (MLM) opportunities;
12. Donations & Crowdfunding: Unregulated charitable fundraising, personal crowdfunding campaigns, or general financial sponsorships.

C. Illegal, Regulated & High-Risk Goods

13. Controlled & Age-Restricted Substances: Prescription drugs, narcotics, alcohol, tobacco products, e-cigarettes, vaping devices, and related paraphernalia;
14. Government Services: Unofficial fee-charging services for government forms, passport applications, visa processing, or official identification documents;
15. Telecommunications & eSIMs: SIM cards, eSIM data plans, VoIP reselling, or regulated telecommunication infrastructure;
16. Medical & Health Advice: Clinical diagnostic tools, medical treatment advice, telemedicine consultations, or pharmaceutical guidance;
17. Pseudoscience & Esoterica: Unsubstantiated health remedies, clairvoyance, psychic readings, fortune-telling, or magical lore;
18. Regulated Products: Any good or service requiring specialized governmental licensing or regulatory pre-approval without holding such verified authorization.

D. Adult Content & Exploitation

19. Adult Content & Services: Pornography, explicit media, OnlyFans-style subscription platforms, adult webcam services, and sexually explicit AI relationship or chat applications;
20. Minor-Targeted Offerings: Any service, tool, or content marketed toward, intended for, or exploiting individuals under the age of majority;
21. Non-Consensual & Deepfake Media: AI face-swapping tools, voice-cloning software lacking consent verification, or deepfake generation utilities.

E. Infringing, Deceptive & Unethical Practices

22. Intellectual Property Infringement: Selling pirated software, unauthorized copyrighted media, counterfeit goods, or assets you do not legally own or license;
23. Unauthorized License Reselling: Distributing or reselling software license keys, account credentials, or access tokens without explicit vendor permission;
24. Exam & Test Prep Dumps: Platforms selling real, leaked, or copyrighted exam questions for standardized tests (such as SAT, GMAT, IELTS, or professional certifications);
25. Fake Reviews & Social Proof: Tools or services designed to generate artificial testimonials, inflated review scores, or fraudulent social proof;
26. IPTV & Unlicensed Broadcasting: Internet Protocol Television (IPTV) subscriptions, streaming boxes, or platforms enabling unauthorized broadcast media distribution;
27. Media Downloaders: Tools, scripts, or applications designed to scrape or download copyrighted media from platforms like YouTube, Instagram, TikTok, or Snapchat;
28. Customer Data Reselling: Trading, brokering, or harvesting consumer personal data, email lists, or financial records;
29. OSINT & Data Exploitation: Open-Source Intelligence (OSINT) platforms that aggregate, search, publish, or expose personal data, background checks, or leaked information about individuals;
30. Counterfeit & Low-Quality Goods: Deceptive offerings, "shovelware," or products delivering substantially less value than advertised.

F. Malicious, Abusive & Circumvention Tools

31. Malware & Exploits: Computer viruses, spyware, ransomware, trojans, phishing kits, or software designed to gain unauthorized system access;
32. Game Cheats & Hacks: Video game cheat codes, aimbots, wallhacks, macro automation scripts, or software designed to ruin competitive integrity;
33. Paywall & Term Circumvention: Tools designed to bypass digital paywalls, circumvent website security controls, or violate third-party terms of service;
34. Cloaking & Anonymization: API cloaking utilities, IP masking services designed to deceive fraud monitors, or traffic manipulation tools;
35. Spam & Unsolicited Outreach: Bulk SMS senders, automated cold-email blasting tools, unsolicited lead-generation scrapers, or robocalling software;
36. Trademark Removal: Services or tools specifically marketed to erase, strip, or alter third-party watermarks, copyright headers, or trademark indicators.

5. Prohibited Platform Activities (How You Cannot Use Ruba)

When accessing our Website, Seller Dashboard, APIs, or checkout infrastructure, you must conduct yourself responsibly. You expressly agree not to engage in any of the following prohibited activities:

5.1. Legal & Ethical Violations: You must not use our Services to violate any law or regulation; to facilitate illegal acts; to deal in stolen digital or physical property; to promote hate speech, violence, racial intolerance, or discrimination; or to profit financially from a crime.

5.2. Intellectual Property Misappropriation: You must not copy, modify, adapt, reproduce, or create derivative works from Ruba's software, interfaces, logos, trademarks, text, or visual design (collectively, "Ruba IP"). You must never remove, obscure, or alter any copyright, trademark, or proprietary notice displayed on our platform.

5.3. Reverse Engineering: You must not decompile, disassemble, decode, reverse engineer, or attempt to reconstruct or discover the source code, underlying algorithms, or architectural concepts of our Services or Ruba IP.

5.4. Unauthorized Sublicensing & Commercial Exploitation: You must not rent, lease, loan, sell, sublicense, distribute, or publish our Services or Ruba IP. You cannot operate Ruba as a time-sharing service, service bureau, or white-label infrastructure for unaffiliated third parties.

5.5. Security Interference & Circumvention: You must not bypass, breach, disable, or defeat any security mechanism, authentication protocol, or fraud-detection control implemented by Ruba. You must access our platform solely through your own valid, authorized login credentials.

5.6. Malicious Transmission: You must never upload, transmit, or introduce any harmful code, virus, worm, logic bomb, or destructive software into our systems or network infrastructure.

5.7. System Disruption: You must not damage, overload, flood, attack, impair, or interfere with the normal operation of Ruba's servers, databases, or cloud infrastructure, nor degrade the experience of other merchants and buyers.

5.8. Competitive Analysis & Scraping: You must not access or benchmark our Services to build a competing payment or reseller platform, to conduct unauthorized competitive analysis, or to scrape data for commercial disadvantage to Ruba.

5.9. Data Harvesting: You must not gain unauthorized access to, alter, destroy, or disclose the private data, transaction records, or customer lists belonging to Ruba or any other seller on our platform.

5.10. Safety-Critical & Hazardous Applications: Our Services are not fail-safe and are not certified for use in hazardous environments requiring fail-safe performance. You must not integrate our platform into life-support systems, nuclear facilities, air traffic control, emergency safety response infrastructure, or any application where system failure could lead to death, personal injury, or severe property damage.

5.11. Sanctions & Export Control: You must not use our Services if you are located in, under the control of, or acting on behalf of a person or entity residing in a jurisdiction subject to comprehensive U.S. sanctions. You must not use Ruba for the benefit of any individual or entity listed on the U.S. Treasury Department's Specially Designated Nationals (SDN) List or similar restricted party registries.

5.12. Non-Business Usage: Ruba is a commercial reseller platform. You must not use our Services for personal, family, or household transactions unrelated to a legitimate digital business.

6. Policy Updates and Monitoring

We reserve the right to amend this Acceptable Use Policy at any time to respond to emerging legal, regulatory, or card network requirements, or to address new financial risks. We will publish updated versions on our Website. Your continued distribution of Products through Ruba Checkout following any modification constitutes your binding acceptance of the updated Policy. If you are unsure whether your proposed Product or business model complies with these standards, please contact our compliance team at support@getruba.com prior to launching your sales.