Legal Documents

Governs Merchant subscription, fee terms, data handling, and dispute resolution. Chargeback reimbursement is reserved and not currently offered. Required for Growth+, Professional, Business, and Founders tier subscriptions. v1.6 sets Illinois governing law with exclusive venue in Kane County, Illinois; limits VerifyLive's aggregate liability to the lesser of the fees the Merchant has actually paid in the twelve months before the claim or US$25,000; makes the intellectual-property indemnity mutual; and extends the reservation of rights and term-limited licence to every party that uses VerifyLive intellectual property, including partners and affiliates. The evidence pack has no recovery fee and is not a chargeback guarantee.

Terms for the Pure Layer 2 Augmentation tier — signal-only supplementary fraud intelligence plus first-response dispute evidence-assist (merchant reviews and submits; multi-round auto-representment is not included) that runs alongside a merchant's existing primary fraud provider. Supplements the MSA. Includes the signal-only liability disclaimer (VerifyLive makes no transaction decision) and the mandatory de-identified cross-merchant correlation data-sharing acknowledgement. US-domiciled merchants only.

Article 28 GDPR + UK GDPR + Swiss FADP + CCPA/CPRA compliant DPA. Exhibit B to the Merchant Services Agreement. Governs Processing of Merchant Personal Data and controller/processor roles.

Dual-posture (controller and processor) disclosure, GDPR Art 6(1) legal bases, CCPA/CPRA posture, 8 individual rights, 5 distinct retention periods, SCCs + UK IDTA + Swiss FADP for cross-border transfers.

Prohibited uses and Prohibited Verticals. Incorporated by reference into MSA §11.1. v1.1 adds §4.2 Gift Card Merchant Conditions defining permitted primary-issue and authorized third-party retailer gift card models (arbitrage, P2P resale, bulk redemption, and money-laundering patterns remain prohibited for all Merchants).

GREEN / YELLOW / RED tier definitions, 12.5% and 25% premium rates, classification factors, chargeback rate safeguard, 30-day reclassification notice, appeal to the Risk Review Committee. v1.1 adds §3.3 Vertical-Specific Default Classifications — primary-issue gift card merchants default YELLOW, authorized third-party retailer gift card merchants default RED with a 1.0x annual fee cap.

Canonical companion to the DPA. Twelve (12) Sub-Processors of Merchant Personal Data, plus a footnote for infrastructure vendors that do not process Merchant Personal Data (GitHub, Vercel).

Platform usage terms for visitors, evaluators, and Shield Lite self-service subscribers. Illinois / Kane. No chargeback guarantee or reimbursement.

Reason codes that would be excluded from any chargeback reimbursement program, if offered. Currently reserved — VerifyLive does not offer a chargeback guarantee. Referenced by MSA §7.4.3.

Transaction velocity caps and how per-transaction coverage limits are determined. Referenced by MSA §4.5 and §7.4.4.