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CONSUMER PROTECTION POLICY

  1. INTRODUCTION

Finturu LLC (“Finturu”) is committed to providing a safe, transparent, and fair environment for all end consumers who transact through merchants on its platform. As an infrastructure provider for cross-border e-commerce based in the United States, we help merchants deliver consistent, high-quality service experiences to customers in all regions.

This Consumer Protection Policy outlines the principles, practices, and safeguards applied to consumer-facing operations and is fully aligned with Finturu’s Terms and Conditions, Privacy Policy, AML/CFT Policy, and data governance framework.

  1. SCOPE

This Policy applies to:

  • All end consumers who purchase goods or services through Finturu-integrated commerce experiences (e.g., customized checkout, hosted links, marketplaces).
  • Customer data collected, processed, or stored by Finturu or its infrastructure partners.
  • Interactions in which Finturu enables the underlying payment, shipping, or fulfillment mechanisms.
  1. DATA PRIVACY AND SECURITY

Finturu ensures that all consumer data, including payment and shipping information, is:

  • Collected and processed in accordance with our [Privacy Policy] and relevant data protection regulations (e.g., CCPA, GDPR, and U.S. rules).
  • Stored securely in encrypted environments with limited access controls.
  • Never shared with third parties, except when necessary for the provision of services or by law.
  1. FINANCIAL INTEGRITY AND PAYMENT SECURITY

Finturu only partners with regulated financial institutions and payment service providers that are:

  • Authorized and supervised by financial regulators in the United States and/or applicable jurisdictions.
  • Compliant with PCI-DSS regulations and capable of meeting high operational and reporting standards.

Consumers can trust that:

  • Their payments are processed securely.
  • Refunds and chargebacks follow regulated dispute resolution processes.
  • Merchant funds are settled through controlled and auditable flows.
  1. TRANSPARENCY IN DELIVERY AND SHIPPING

All logistics and shipping services facilitated by Finturu are subject to:

  • Vendor fulfillment guarantees and timelines communicated at the time of purchase.
  • Tracked delivery via integrated carriers.
  • Data protection standards in the handling of consumer addresses or delivery information.
  1. DISPUTES AND SUPPORT

Consumers can contact the relevant merchant directly for order-related issues. Finturu provides backend infrastructure and does not mediate product-level disputes:

  • Records complaints submitted to compliance@finturu.com
  • Investigates patterns of merchant misconduct.
  • May suspend or delist merchants who repeatedly abuse consumers or fail to meet their obligations.
  1. ETHICAL STANDARDS AND NON-DISCRIMINATION

Finturu maintains a zero-tolerance policy towards unethical practices, including:

  • False advertising
  • Discriminatory conduct
  • Unauthorized use or manipulation of data
  1. POLICY REVIEW AND GOVERNANCE

This Policy is reviewed annually by the Ethics and Compliance Committee and updated as necessary. Consumers can consult the latest version through participating merchants or by contacting Finturu directly.