Acceptable Use & Restricted Businesses Policy

1. Scope and application

This policy explains which professional services Playto, Inc. ("Playto") sells, which activities are prohibited, and which activities need Playto's prior written approval. It applies to Service Partners that supply services to Playto, to Buyers that buy services from Playto, and to their authorized users (together, "you").

Service Partners must comply with this policy under Section 6.3 of the Master Service Partner Agreement. Buyers must not use Playto to buy a prohibited service or to commit fraud, and the Buyer Terms and Conditions exclude prohibited activity. This policy works alongside those agreements and the Refund & Cancellation Policy, Service Delivery Policy, Recurring Payment Terms, Supplier Payment, Holdback & Set-Off Policy, Restricted Jurisdictions Policy and Privacy Policy. It does not by itself open an account, enable a payment method or create a charge.

2. Approved business-to-business services

Playto buys genuine business-to-business professional services from approved Service Partners and resells them to businesses in the United States, as seller and Merchant of Record. The approved categories are software development, IT consulting, AI implementation, marketing and agency services, design and creative services, and business consulting.

Approval is specific to the Service Partner, the actual service, the delivery model, the markets and the payment arrangement recorded for its account.
Retainers, deposits and milestones must stay within the accepted scope. Recurring services follow the Recurring Payment Terms.
Files, code or other digital deliverables produced by professional work do not turn the engagement into the sale of a standalone digital product.
Working directly with the Buyer, and using properly disclosed subcontractors, does not change Playto's role as seller.
An approved account, earlier payments or a Trust Score do not make a different service eligible, and a category name does not approve every activity that could be described by it.

3. Activities outside Playto's service model

The following are prohibited on Playto, even where the activity itself is lawful:

physical goods, inventory or merchandise;
standalone software licenses, mass-market digital downloads, paid content or community access sold apart from an approved professional engagement;
donations, charitable or political contributions, crowdfunding, tips unrelated to the agreed service, and any payment without a genuine, defined supply;
personal transfers, payroll and wages, lending and credit, debt collection, account funding, money transmission, currency exchange, stored value, cash equivalents, asset or cryptoasset trading, insurance premiums and escrow;
marketplace or payment-aggregation activity, including collecting for other sellers or asking for payment to an undisclosed beneficiary; and
consumer purchases, gambling stakes or prize funding, travel and ticket bookings, and adult content or entertainment services.

A request for a category review does not authorize any of these models. Approved milestone payments for a Service are not lending, and paying for a Service with an available payment method is not the sale of a financial product.

4. Fraud, impersonation and false records

You must not use Playto to commit, facilitate or conceal fraud, including:

stolen payment credentials, identity theft, false business identities or forged verification documents;
fictitious invoices, fabricated work, false delivery or payment confirmations, and false refund or dispute claims;
impersonating a Buyer, an employee, a bank, a government authority or Playto;
diverting funds by falsely changing a beneficiary, invoice, email domain or payment instruction; and
Ponzi or pyramid schemes, deceptive business opportunities, fictitious investment returns, fake technical-support emergencies and fraudulent refund or recovery services.

Only the Buyer or its authorized representative may accept a Buyer Service Order, authenticate a payment or confirm delivery. A Service Partner must never sign, click, authenticate or confirm on a Buyer's behalf, and a name, email address or shared login alone is not proof of identity or authority. Records must show the genuine parties, dates and history: agreements must not be backdated, consent must not be invented after the event, and a correction must not hide the original record.

5. Transaction laundering and misuse of payments

Every payment must be for a real, approved Service in that Transaction. You must not:

disguise another business's sales, concealed goods, financial activity or unrelated obligations as professional work;
use shell accounts, nominee account holders, hidden sellers, borrowed identities, substitute websites or false descriptions to obtain approval;
route prohibited work through another Service Partner, or split payments to avoid a limit or a monitoring control; or
use circular funding, cash advances disguised as purchases, self-purchases, card testing or fabricated payments to extract funds, earn rewards, inflate revenue, raise a Trust Score or hide dispute rates.

A Service Partner, its owners and their affiliates may not buy the Service Partner's own Services through Playto. Any other related-party engagement must be disclosed and reviewed before the order is accepted. An agency may use its own personnel and disclosed subcontractors to perform its accepted work, but may not operate an undisclosed marketplace.

6. Unlawful, exploitative and abusive services

You must not offer, buy, deliver or fund any activity that is unlawful, including money laundering, terrorist financing, bribery, corruption, sanctions evasion and trade-control violations. The following are prohibited whether the material is real, manipulated or AI-generated:

child sexual abuse or exploitation, non-consensual intimate material and coercive sexual services;
human trafficking and forced labor;
threats, incitement to violence, stalking, extortion and doxxing;
criminal infrastructure, and services that facilitate illegal weapons or drug transactions; and
selling stolen credentials, fabricating official identification or qualifications, and sitting examinations or submitting academic work through impersonation.

A lawful topic, protected expression, legitimate research or a good-faith complaint is not prohibited only because someone finds it controversial.

7. Intellectual property and licensed materials

You must hold the rights and permissions needed to provide the Service and the agreed deliverables. Pirated software, unauthorized streaming access, stolen work, counterfeit credentials and materials that infringe copyright, trademark, trade-secret, privacy or publicity rights are prohibited.

Service Partners must disclose material third-party licenses, usage restrictions and background tools before the Buyer relies on an ownership or usage promise, must not promise an assignment they cannot make, and must follow the intellectual-property terms of the Service Order. A Buyer's instruction, online availability or the use of an automated tool does not give permission to copy, redistribute or remove rights-management information. Report a credible rights complaint to support@playto.so with enough detail to identify the transaction or material. Playto may request evidence and restrict the affected activity while it assesses the complaint.

8. Data, AI and security-related services

Malware, credential theft, phishing, unauthorized intrusion, account takeover, unlawful surveillance, destructive attacks, and services intended to facilitate any of them are prohibited, as is bypassing access or payment controls. You must not sell stolen or unlawfully obtained personal information.

Authorized security testing, data analysis, automation and AI-assisted professional work are permitted within the approved scope and the rights and lawful purposes of the engagement. Security testing needs Playto's prior approval under Section 11 and written authorization from the owner of the systems, identifying the systems, permitted actions, timing and limits. Work outside that authorization must stop.

Confidential Buyer materials, personal information, voices and likenesses may be used only with the required lawful basis, notices and permissions, and restricted project material must not be submitted to an external AI service or used to train a general-purpose model. AI-generated deliverables remain subject to the agreed scope, applicable rights and disclosure duties. Sources, credentials, testimonials, verification results and evidence of performance must never be fabricated.

9. Marketing, outreach and commercial claims

Marketing and agency services must describe the offer, the responsible business, the price, material limitations and the expected deliverables accurately. Fake scarcity, deceptive earnings promises, invented statistics, unauthorized endorsements and unsupported guarantees are prohibited, as are fabricated clicks, leads, installs, audience metrics or affiliate conversions and the use of bots or compromised accounts to deceive a client, advertiser or platform. Legitimate advertising, disclosed sponsorship and real audience development are permitted.

Business outreach must comply with anti-spam, privacy, telemarketing, advertising and platform rules, including accurate sender information, consent where required, an opt-out method and suppression of do-not-contact requests. Contact data that was harvested, bought or scraped without the necessary rights must not be used. Telemarketing, unsolicited bulk email or SMS, lead-list brokerage and remote technical-support sales are not available on Playto (Section 11).

No one may represent Playto as a bank, insurer, escrow service or guarantor of every outcome, or promise an automatic refund, a guaranteed dispute outcome, an unapproved payment method or a payment date that Playto has not agreed.

10. Trust Score and review integrity

Trust Score information and payment-backed reviews must reflect genuine evidence and actual experience. You must not create artificial transactions, coordinated reviews, false financial records or misleading delivery events to influence a score, ranking or account assessment.

Positive ratings must not be bought, and no incentive may depend on the sentiment of a review.
Lawful criticism must not be suppressed, and a valid refund must not depend on deleting a review.
An employee, owner, agent or paid endorser must not be presented as an independent customer.
The same standards apply to review, reputation and social-media services supplied to clients, including fabricated followers or views and review sites falsely presented as independent.
Proof of payment is not proof of satisfactory delivery, a Playto assessment is not an independent certification, and verified badges and scores may be displayed only in the form and context Playto approves.

You may ask Playto to correct a factual error, but accurate adverse history and legitimate feedback are not removed because they are unfavorable.

11. Activities that are not available and activities that need approval

Not available. Playto does not approve the following, and they are treated as prohibited:

licensed or regulated professional services, including legal, accounting and audit, tax, investment advice, insurance, medical and immigration services, and engineering certification;
staffing, recruitment involving regulated placement or charges to workers, payroll and the supply of workers;
telemarketing, unsolicited bulk email or SMS, lead-list or personal-data brokerage, and remote technical-support sales; and
work that materially supports a business in gambling, adult content, weapons, cryptoassets or age-restricted products such as tobacco, vaping and cannabis.

Prior written approval required. The following are available only with Playto's specific written approval before they are offered or charged:

work for businesses in regulated financial services or healthcare, where the deliverable or its use may be subject to sector rules;
security testing, biometric data processing and safety-critical systems; and
Approved Advances, and delivery periods longer than 90 days.

Approval is not guaranteed, and Playto never approves an activity for which its payment processor or the card networks require an approval that Playto does not have. General business consulting does not become regulated advice because the client is regulated: the actual deliverables and their use decide the review, not the invoice label. Regulated client money, court or trust funds and patient payments can never be charged as consulting fees. An order above the limits in a Service Partner's Account Schedule is accepted only after Playto has reviewed and raised the limit.

12. Approval requests and material changes

Before offering a restricted activity, send Playto the actual service description, the client and its intended use of the work, the locations involved, any licenses, the delivery process, the payment profile and the controls you propose. Playto may ask for draft Service Orders, marketing materials or other proportionate evidence.

Approval is valid only when Playto gives it in writing through an authorized channel, identifying the approved activity and any conditions. Opening an account, a sales conversation, a successful transaction or silence is not approval, and approval for one business, website, service or market does not extend to another.

Tell Playto promptly about any material change to your ownership, operating locations, licenses, services, sales flow, delivery, payment exposure or payment account, and obtain approval before making a change that needs it. If a required license or approval expires or is withdrawn, stop submitting affected orders and handle existing engagements through the wind-down process in your agreement, not by moving them to another account. An activity not named in this policy is not automatically eligible, and no approval can override the law, the payment rules that apply to Playto or a Buyer's rights.

13. Sanctions and jurisdiction restrictions

Every Transaction must comply with applicable sanctions and export controls and with the Restricted Jurisdictions Policy. You must disclose relevant connections, including ownership, operating locations, the location of the Buyer and any recipient of the work, the end use and the payment account. Intermediaries, false addresses, location masking or changed payment descriptions must not be used to evade a restriction.

Screening may cover persons and entities restricted through ownership, even where they are not named on a public list. A U.S. billing address or an invoice to Playto does not remove a restriction that affects the underlying person, service, technology or destination. Playto's commercial exclusions may be broader than the law requires. Where the law requires a transaction to be rejected, property to be blocked or information to be reported, Playto follows the law; a block is not an automatic refund or a forfeiture to Playto.

14. Service Orders, delivery and subcontractors

Service Orders must be specific and accurate, identifying the scope, deliverables, prices, service periods, dates, Buyer dependencies and the review, refund and cancellation terms. Prohibited activity must not be hidden inside a bundle or behind vague wording. If a change of scope would introduce an excluded or restricted activity, the Service Partner must decline the prohibited element or obtain approval before continuing; a Buyer's instruction or an existing retainer does not override this policy.

Service Partners must have the capacity, rights and qualified personnel to perform the work, disclose material dependencies, and tell Playto promptly about material delays or any inability to continue. They remain responsible for their personnel and subcontractors, and subcontracting does not create a different seller or an undisclosed beneficiary. Delivery evidence must be accurate: empty submissions, broken links, invoices or payment confirmations are never proof of completion. Corrections, scope changes, Buyer Confirmation and handover follow the Service Delivery Policy and the accepted Service Order.

15. Buyer authorization and payment conduct

Payments may be requested only for the actual Service, amount, currency and billing arrangement the Buyer authorized, and only through Playto's checkout. No one may deceive a payer about the recipient or purpose of a payment, bypass required authentication, use another person's payment details without authority, or redirect a payment to an unverified account.

Service Partners must never ask for card numbers, security codes, passwords, private keys or authentication codes through invoices, chat, project uploads or email, and must not keep card security codes in any form, including logs, screenshots and recordings. Card testing, resubmitting declined payments without authorization, silently switching payment methods and splitting charges to defeat controls are prohibited. No one other than Playto may add a charge, change the statement descriptor, misstate the merchant location or ask a Buyer to give a false payment reference.

16. Recurring billing, refunds and disputes

Recurring services need the disclosures, separate authorization, records and cancellation process in the Recurring Payment Terms. A one-time authorization or a saved card does not authorize an unrelated or cancelled recurring charge, and effective cancellations must be honored without conditions such as a sales call.

The only refund available without a reason is the Buyer's First Order refund under the Buyer Terms and Conditions: cancellation within seven calendar days of payment, before Valid Delivery. Other refunds are decided under the Refund & Cancellation Policy. That policy does not remove any right a Buyer has under law or payment-method rules. No one may fabricate evidence, make a false claim, seek to recover the same amount twice, or pressure the other party to give up a valid dispute right as a condition of a remedy it is owed. Good-faith disputes, negative reviews and reports to a bank or authority are not abuse.

17. Websites, payment links and branding

Only approved websites, links and transaction flows may be used, and only for the actual Service. Cloaking, hidden redirects, substituted products and post-payment delivery channels that hide an ineligible offer are prohibited. Checkout pages, invoices and receipts identify Playto as the seller and show the total price, the service description, the support contact and the refund, recurring-billing and cancellation terms before acceptance.

Playto's names, logos, verification marks and transaction records may be used only as Playto authorizes. No one may claim a license, endorsement, network membership, certification, protection product or partnership that does not exist. A material change to a public offer or sales flow that affects account approval must be reviewed before it is used.

18. Account access and platform security

Accounts may be used only for the approved business and by authorized personnel, and credentials must be protected. Account access must not be sold, rented, lent or transferred to avoid onboarding or a suspension, and shared ownership does not permit moving restricted activity to another account.

You must not access another user's records without authorization, defeat security controls, disrupt Playto's systems, introduce harmful code or extract protected information, and must use integrations only within their authorized purpose. Testing Playto's live payment flow or systems needs Playto's written authorization. Report suspected compromise, fraudulent payment instructions or unauthorized account changes to support@playto.so promptly, and follow Playto's reasonable containment instructions.

19. Verification, monitoring and records

You must give Playto accurate information and proportionate evidence about the business, its services, ownership, payment purpose, delivery capacity and continuing eligibility, and disclose any material processing suspension, unresolved fraud or excessive-dispute concern, or relevant regulatory finding. Playto reviews associated websites, sales flows, transaction patterns, complaints and supporting records.

Negative outcomes must not be hidden, refund or dispute figures must not be falsified, accounts must not be switched to avoid monitoring, and records must not be replaced after a claim has arisen. Relevant records and communications must be kept for the required retention period. Unusual activity, rapid growth, a complaint or an automated alert may lead to further review, a request for evidence or a corrective plan; none is by itself proof of fraud. Evidence requests are proportionate and made through an appropriate channel.

20. Restrictions, remediation and suspension

Where reasonably necessary to address a breach, a credible fraud or security concern, unacceptable delivery or payment exposure, or a binding legal or payment requirement, Playto may request corrections, decline a Service Order, pause affected transactions, restrict account functions, or suspend or terminate the relationship under the governing agreement.

Playto may act immediately where delay would cause harm, allow prohibited activity or breach a binding requirement. Otherwise it explains the concern and the reasonable steps to correct it. Deliberate concealment or illegal activity is not offered a cure period. Where lawful and practicable, Playto's notice identifies the affected activity, the reason it can disclose, the information requested and how to ask for a review. Reinstatement depends on the evidence, the governing agreement and any required approvals.

21. Financial adjustments and existing Buyers

Holdbacks, refunds, chargeback adjustments, set-off and recovery are governed by the Master Service Partner Agreement, the Account Schedule and the Supplier Payment, Holdback & Set-Off Policy. This policy adds no fine, forfeiture, Holdback percentage, bank-debit authority, lien or personal guarantee. A breach does not allow Playto to keep unrelated amounts that are due without a contractual or legal basis, and the same loss is never recovered twice.

A suspension does not remove Playto's obligations as seller, a Buyer's valid refund or payment rights, or a Service Partner's obligations to support, preserve evidence, keep information confidential and hand over work lawfully. Prohibited performance must stop even if an order is unfinished, and Playto administers any cancellation or wind-down under the applicable terms. Paid deliverables must not be disabled, evidence must not be deleted, and a Buyer must not be asked to pay again because a supplier payment has been deferred. A sanctions restriction or court order is handled as the law requires.

22. Reporting a concern and requesting review

Send eligibility questions, suspected violations and requests to review a restriction to support@playto.so, with the business name, the account or payment reference, any relevant link and a short explanation. Share only evidence you may lawfully share, and ask for a secure route before sending sensitive records. Never download, copy or circulate child sexual abuse material or other unlawful material to make a report; give a location or transaction reference and a non-graphic description instead, and use the appropriate lawful reporting channel.

To request a review, identify the finding you dispute and provide any missing or corrected evidence. Playto assesses the information and tells you the outcome and the reasons it can lawfully share; where practicable, someone other than the original decision-maker considers it. A review does not pause bank, card-network, court or statutory deadlines. Contact your bank promptly about suspected unauthorized use, and the appropriate authorities about immediate danger or criminal activity. Malicious reports and knowingly false evidence are prohibited; good-faith reports and contact with regulators or law enforcement are never suppressed.

23. Data handling and required disclosures

Verification, monitoring, complaints and evidence are handled under applicable privacy, confidentiality and record-keeping requirements and the Privacy Policy. This policy is not consent to all processing, public disclosure or reuse of information. Playto shares relevant information with its service providers, financial institutions, payment networks, professional advisers and competent authorities where necessary and lawful.

Identity documents, bank statements, processor history, private account flags and a complainant's personal information must never be published to support a public response. Information is kept only as long as its purpose, the applicable agreement and legal duties justify; closing an account does not erase records that must be kept, and an investigation does not justify keeping unrelated information indefinitely.

24. Changes and governing terms

This policy is applied with the Buyer Terms and Conditions or the Master Service Partner Agreement and the documents validly incorporated into them. It does not amend an accepted Service Order, expand Playto's approved services or override mandatory law, and the governing-law, liability and dispute-resolution terms are those of the governing agreement. Changes apply to future activity, with the notice those agreements require. A change required sooner by law, payment rules or an urgent security need may take effect on the required timeline, with as much notice as reasonably possible. Before starting a new or uncertain activity, contact support@playto.so; a test payment is not a way to find out whether an activity is allowed.

25. Contact

For eligibility questions, approval requests and reports, contact:

support@playto.so

Playto, Inc.
8 The Green STE R
Dover, Delaware 19901
United States