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MERCHANT PROTECTION POLICY


1. INTRODUCTION

At Finturu LLC («Finturu»), we believe that empowering small and medium-sized businesses to engage in global commerce requires more than infrastructure—it requires trust. As a U.S.-based SaaS provider of cross-border ecommerce infrastructure, we enable secure checkout, global payments, logistics, and multichannel sales operations.

This Merchant Protection Policy («Policy») formalizes our commitment to protecting the commercial integrity, financial security, and operational transparency of every merchant who operates within the Finturu ecosystem. It complements Finturu’s Terms and Conditions, AML/CFT Policy, Anti-Bribery Policy, Privacy Policy, and Acceptable Class of Trade Policy.

2. SCOPE

This Policy applies to:

  • All businesses accepted as Merchants on the Finturu platform.

  • Use of Finturu services across payment, shipping, and commerce channels.

  • B2B, DTC, and marketplace transactions across the U.S., LATAM, and Europe.

3. MERCHANT PROTECTIONS

3.1 24-Hour Fund Settlement Promise

Finturu aims to deliver settled funds to Merchants within 24 hours of authorized payment, excluding exceptional regulatory or risk conditions. Delays are promptly communicated, and resolution is prioritized.

3.2 Transactional Integrity and Fraud Protection

  • Finturu enforces a layered fraud mitigation strategy using:

  • Real-time anomaly detection

  • Device and behavioral analytics

  • Sanctions and watchlist screening (OFAC, PEP, FATF)

  • Risk profiling and pattern recognition

  • Chargeback alerts and buyer risk scoring

3.3 Data Protection

Finturu processes and stores all merchant data under strict security protocols, in compliance with U.S. data laws and GDPR where applicable. Refer to our [Privacy Policy] for full scope.

3.4 Fair Access and Non-Discrimination

Access to Finturu services is granted equitably to qualified Merchants. Eligibility requires KYB verification, beneficial ownership review, and compliance with the Acceptable Class of Trade Policy.

3.5 Escalation and Appeal Rights

Merchants may contest suspensions, delays, or risk flags by contacting compliance@finturu.com. Appeals are reviewed within 10 business days.

4. REGULATORY AND COMPLIANCE FRAMEWORK

4.1 AML/CFT Compliance

All Merchants are subject to Finturu’s AML/CFT Policy (PL-AML-02), including:

  • Customer Due Diligence (CDD)

  • Enhanced Due Diligence (EDD) for PEPs

  • Continuous sanctions screening

  • Reporting of suspicious activities

4.2 Anti-Bribery and Ethics

Finturu operates a zero-tolerance policy for bribery, corruption, and unethical conduct in accordance with its Anti-Bribery Policy (POL-APF-02).

4.3 Foreign Exchange Compliance

Cross-border settlements comply with local FX regulations. Finturu discloses FX rates, spreads, and sources transparently.

4.4 Merchant Responsibilities

Merchants must:

  • Avoid misrepresentation and prohibited activities

  • Maintain updated legal and operational data

  • Cooperate with compliance reviews and audits

5. ACCOUNT SUSPENSION & TERMINATION

Finturu may suspend or terminate accounts for:

  • Fraud or attempted fraud

  • Non-compliance with policy frameworks

  • High chargeback ratios or unresolved complaints

  • Engaging in prohibited or restricted sectors

  • Written notice will be provided, including reason and resolution options.

6. WHISTLEBLOWING AND REPORTING

Merchants and stakeholders may report misconduct or violations via: Email: compliance@finturu.com
All reports are treated with confidentiality and without retaliation.

7. POLICY GOVERNANCE AND REVIEW

This Policy is reviewed annually by Finturu’s Ethics and Compliance Committee. Updates are issued to reflect changes in laws, risk appetite, or operational scope. Merchants are notified of material changes and may opt-out within 10 business days.