1. INTRODUCTION

At Finturu LLC (“Finturu”), we believe that enabling small and medium-sized businesses to participate in global commerce requires more than just infrastructure; it requires trust. As a U.S.-based provider of cross-border e-commerce SaaS infrastructure, we facilitate secure payments, global payments, logistics, and multi-channel sales operations.

This Merchant Protection Policy (“Policy”) formalizes our commitment to protecting the commercial integrity, financial security, and operational transparency of all merchants operating 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 OF APPLICATION

This Policy applies to:

• All businesses accepted as merchants on the Finturu platform.
• The use of Finturu services across payment, shipping, and commerce channels.
• B2B, DTC, and marketplace transactions in the United States, Latin America, and Europe.

3. MERCHANT PROTECTION

3.1 Commitment to 24-Hour Funds Settlement

Finturu commits to delivering settled funds to merchants within 24 hours of payment authorization, except under exceptional regulatory or risk conditions. Delays are promptly communicated, and resolution is prioritized.

3.2 Transactional Integrity and Fraud Protection

Finturu employs a layered fraud mitigation strategy using:

Real-time anomaly detection.

• Device and behavioral analytics.
• Sanctions and watch list 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, compliant with U.S. data laws and GDPR, where applicable. Refer to our [Privacy Policy] for the 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 adherence to the Acceptable Class of Trade Policy.

3.5 Escalation and Appeal Rights

Merchants may challenge 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), which includes:

• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD) for Politically Exposed Persons (PEPs)
• Ongoing Sanctions Monitoring
• Suspicious Activity Reporting

4.2 Anti-Bribery and Ethics

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

4.3 Compliance with Foreign Exchange Regulations

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

4.4 Merchant Responsibilities

• Merchants must:
• Avoid misrepresentations and prohibited activities.
• Maintain up-to-date legal and operational data.
• Cooperate with compliance reviews and audits.

5. ACCOUNT SUSPENSION AND TERMINATION

Finturu may suspend or terminate accounts for:

• Fraud or attempted fraud.
• Non-compliance with regulatory frameworks.
• High chargeback ratios or unresolved disputes.
• Participation in prohibited or restricted sectors.

Written notification will be sent, including the reason and resolution options.

6. REPORTING AND NOTIFICATIONS

Merchants and stakeholders can report misconduct or violations through: Email: compliance@finturu.com

All reports are treated confidentially and without retaliation.

7. POLICY GOVERNANCE AND REVIEW

This policy is reviewed annually by Finturu’s Ethics and Compliance Committee. Updates are published to reflect changes in legislation, risk propensity, or operational scope. Merchants are notified of substantive changes and may opt out within 10 business days.