Responsible Usage

1. Our Commitment to Responsible Usage

At NorPay, we are committed to providing financial services that promote responsible and ethical behavior. We believe that digital banking should be accessible, transparent, and used in ways that benefit both individuals and society as a whole.

This Responsible Usage Policy outlines our expectations for how our Services should be used and provides guidance to ensure that your use of NorPay remains safe, legal, and beneficial.

2. Principles of Responsible Usage

2.1 Legal and Ethical Use

You agree to use NorPay's services only for legal and ethical purposes. This includes:

• Complying with all applicable local, national, and international laws and regulations
• Not using our Services for fraudulent, illegal, or deceptive activities
• Respecting the rights and privacy of other users
• Providing truthful and accurate information in all transactions
• Reporting any suspicious or unauthorized activity

2.2 Financial Security

Protect your financial information and account by:

• Using strong and unique passwords
• Enabling multi-factor authentication (MFA)
• Never sharing your login credentials
• Regularly reviewing your account activity
• Reporting any unauthorized access immediately
• Being cautious of phishing attempts and scams

2.3 Responsible Financial Management

We encourage all users to:

• Understand the fees and charges associated with our Services
• Maintain accurate records of all transactions
• Use our Services within your financial means
• Seek advice if you are unsure about a transaction or service
• Plan and budget your financial activities responsibly

3. Prohibited Activities

The following activities are strictly prohibited when using NorPay's services:

3.1 Illegal Activities

• Money laundering or terrorist financing
• Fraud, identity theft, or impersonation
• Purchasing or selling illegal goods or services
• Tax evasion or violation of tax regulations
• Violating international sanctions or embargoes

3.2 Abusive Activities

• Creating multiple accounts to circumvent limits or restrictions
• Using our Services to harass, threaten, or harm others
• Manipulating or falsifying transaction data
• Attempting unauthorized access to other users' accounts or systems
• Using bots, scripts, or automated tools without authorization

3.3 High-Risk Activities

While not illegal, certain activities may pose increased risks and require additional verification:

• Large or unusual transactions
• Frequent transactions to high-risk jurisdictions
• Business activities without proper documentation
• Transactions involving cryptocurrencies (subject to our policies)

4. Anti-Money Laundering (AML) Compliance

NorPay is required to comply with anti-money laundering (AML) and know-your-customer (KYC) regulations. This means we:

• Verify the identity of all users during registration
• Monitor transactions for suspicious activity
• Report suspicious transactions to relevant authorities
• May request additional documentation or information
• May suspend or terminate accounts involved in suspicious activities

Your cooperation with our AML/KYC processes is essential and mandatory.

5. Data Protection and Privacy

Responsible usage includes respecting privacy and data:

• Do not share other users' personal or financial information
• Use our Services in a manner that respects data protection laws
• Understand and respect our Privacy Policy
• Report any data breaches or privacy concerns
• Obtain appropriate consent when processing others' data

6. Commercial Use

If you use NorPay for business purposes, you must:

• Provide accurate and up-to-date business information
• Maintain proper business documentation
• Comply with all applicable business and tax regulations
• Disclose the nature of your business and activities
• Use a business account if required by our policies
• Respect intellectual property rights and trademarks

7. Reporting and Compliance

7.1 Reporting Suspicious Activity

If you encounter or suspect activity that violates this policy, please report it to us immediately at:

Email: compliance@norpay.co

Your report helps us maintain a safe and secure environment for all users.

7.2 Investigations and Actions

We reserve the right to:

• Investigate any suspicious or unauthorized use of our Services
• Suspend or terminate accounts that violate this policy
• Report illegal activities to relevant authorities
• Cooperate with law enforcement investigations
• Take legal action against users who violate our policies

8. Education and Awareness

NorPay is committed to promoting financial literacy and responsible usage through:

• Educational resources on financial security
• Alerts and notifications about security threats
• Tips on best practices for using our Services
• Customer support to answer questions and concerns
• Regular updates on new features and policies

9. Consequences of Violation

Violation of this Responsible Usage Policy may result in:

• Warnings and notifications
• Temporary restrictions on account features
• Account suspension
• Permanent account termination
• Reporting to relevant authorities
• Legal action and recovery of damages

The severity of the consequence will depend on the nature and severity of the violation.

10. Updates to This Policy

We may update this Responsible Usage Policy from time to time to reflect changes in our Services, legal requirements, or industry best practices. We will notify you of any material changes and update the "Last updated" date.

11. Contact Us

If you have questions about this Responsible Usage Policy or wish to report a concern, please contact us:

12. Your Responsibility

By using NorPay's services, you acknowledge that you have read, understood, and agree to comply with this Responsible Usage Policy. You agree to use our Services responsibly, ethically, and in accordance with all applicable laws and regulations.