TERMS AND CONDITIONS OF SERVICE
Welcome to ONE Payment Orchestration Platform. These Terms and Conditions ("Terms") govern your access to and use of the payment orchestration services provided by Oneinfinite CORP, a Delaware corporation ("ONE," "we," "us," or "our"). Our services include our website, platform, APIs, and payment orchestration functionalities (collectively, the "Services").
By creating an account or using any of our Services, you agree to be bound by these Terms and our Privacy Policy. Please read them carefully. If you do not agree with these Terms, you must not access or use our Services.
1. DEFINITIONS
Merchant: The User, whether an individual or a business entity, who uses the Platform to orchestrate payment acceptance and receive settlements for legitimate digital products or services sold to their Buyers.
Buyer: A customer of a Merchant who makes a payment for a digital product or service through the orchestrated payment methods.
Platform: The ONE payment orchestration technology infrastructure, including website (one.lat), applications, APIs, and technical systems that comprise the Services.
Payment Orchestration: The technology service of coordinating and optimizing multiple payment methods and processors to facilitate payment acceptance for Merchants.
Settlement: The process by which ONE converts collected Net Funds to USDT and transfers them to a Merchant's designated Wallet Address.
Net Funds: The funds collected from Buyers on behalf of a Merchant, minus any applicable Fees, chargebacks, refunds, or other deductions.
USDT: Tether USD, a stablecoin digital asset pegged to the value of the US Dollar.
Tron Network: The specific blockchain network on which USDT Settlements are processed.
Wallet Address: The unique public address on the Tron Network, provided by the Merchant, to which Settlements are sent.
Temporary Custody Period: The operational period (typically less than 24 hours) during which funds are held for currency conversion and settlement processing.
Chargeback: A reversal of a payment transaction initiated by a Buyer through their bank or card issuer.
2. DESCRIPTION OF SERVICES
2.1 Payment Orchestration Platform
ONE provides a technology platform designed to help digital Merchants operate globally through payment orchestration services. Our core service facilitates international payment acceptance by coordinating multiple third-party payment processors to optimize payment success rates and coverage.
2.2 Currency Conversion and Settlement Service
As part of our orchestration services, ONE provides currency conversion and settlement functionality. We collect payments on behalf of verified Merchants through our integrated payment processors and convert the Net Funds to USDT stablecoin for settlement to the Merchant's designated Wallet Address on the Tron Network.
2.3 Limited Agency Relationship
ONE acts as a limited agent for the Merchant solely for the purposes of:
- Coordinating payment acceptance through multiple processors
- Temporarily holding funds during the operational conversion process
- Converting fiat currencies to USDT for settlement purposes
- Executing blockchain-based settlement to Merchant-designated wallets
ONE does not act as a bank, financial institution, money transmitter, custodian, or investment advisor. The Platform provides technology orchestration services with temporary operational custody for settlement purposes only.
2.4 Scope of Services and Limitations
Technology Orchestration Services:
ONE provides exclusively technology infrastructure services for payment orchestration. Our platform acts solely as a technical intermediary between Merchants and payment processors.
Verification Process Limitations:
While ONE implements a comprehensive verification process and makes its best efforts to validate the legitimacy of Merchants and their business activities, the following inherent limitations exist within the service:
- Initial verification does not guarantee the ongoing quality, legality, or suitability of products or services offered by Merchants
- ONE has no operational control over the daily activities of each Merchant
- Account approval does not constitute an endorsement, recommendation, or guarantee about the Merchant or their products/services
- ONE does not monitor continuously and in real-time every transaction or business activity conducted by Merchants
- Merchants may change their business practices after initial verification
- ONE does not intervene in chargeback disputes and processes all chargebacks with automatic reversals
By using the Services, Merchants and any other parties expressly acknowledge and accept these limitations.
No Liability for Merchant Activities:
ONE is not responsible for:
- The quality, safety, legality, or suitability of digital products or services sold by Merchants
- Merchants' compliance with their own policies, terms of service, or promises to Buyers
- Disputes between Merchants and Buyers related to delivery, quality, or content of products/services
- Contractual breaches by Merchants toward their customers
- False, misleading, or incomplete information provided by Merchants to their Buyers
- Damages, losses, or harm suffered by Buyers as a result of deficient products or services
- Intellectual property rights violations committed by Merchants
- Changes in business model or business practices by Merchants after verification
- Chargebacks resulting from any dispute between Merchants and Buyers
3. ACCOUNT ELIGIBILITY AND VERIFICATION
3.1 Eligibility Requirements
To use our Services, you must:
- Be at least 18 years old
- Operate a legitimate business selling digital products or services only
- Be in good legal standing in your jurisdiction of operation
- Not be located in, or a national of, any country subject to U.S. sanctions
- Not appear on any U.S. government list of prohibited or restricted parties
3.2 Comprehensive Verification Process
All Merchants must successfully complete our verification process before accessing the Services:
a. New User Verification:
- Email address verification and confirmation
- Phone number validation and authentication
- Contact information establishment for communication purposes
b. Business Profile Assessment:
- Digital business activity type identification
- Estimated monthly sales volume declaration
- Website and online presence documentation
- Preliminary business model evaluation
c. Individual KYC (Know Your Customer):
- Government-issued identification document authentication
- Biometric validation with liveness detection
- Facial verification of business owner or authorized representative
- Individual identity confirmation and documentation
d. KYB (Know Your Business):
- Digital products/services exclusive offering confirmation
- Social media account ownership verification (primarily Instagram activity validation)
- Active digital business presence confirmation
- Risk-based business documentation requirements including business registration, tax records, or financial statements as determined by compliance assessment
e. Compliance Screening:
- Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) screening
- Sanctions list verification (OFAC, UN, EU)
- Politically Exposed Persons (PEP) identification
- Adverse media screening through third-party compliance partners
f. Manual Compliance Review:
- Mandatory human review of all collected verification data
- Business model assessment for risk profile alignment and acceptable use policy compliance
- Optional online interview when deemed necessary for additional verification
- Final approval decision with documented rationale
g. Terms and Conditions Agreement:
- Post-approval review and acceptance of Payment Orchestration Platform Terms of Service
- Privacy Policy acknowledgment and data processing consent
- Final contractual agreement before platform access activation
You acknowledge that no account activation occurs automatically and that completion of all verification requirements is mandatory. We reserve the right to request additional documentation or conduct enhanced due diligence procedures based on risk assessment outcomes at any stage of the process.
Verification Limitations:
ONE's verification process is designed to assess the apparent legitimacy of the Merchant and their business at the time of application. However, you expressly acknowledge that:
- Successful verification does not constitute a certification, guarantee, or endorsement of the Merchant's business practices
- ONE makes commercially reasonable best efforts to verify the information provided, but does not guarantee its complete accuracy or continuous updating
- Merchants are exclusively responsible for the truthfulness of information provided during the verification process
- Account approval is based on information available at the time of evaluation and does not predict future behaviors
3.3 Enhanced Due Diligence
Merchants processing volumes exceeding $100,000 USD monthly, or exhibiting unusual transaction patterns, may be subject to Enhanced Due Diligence procedures, including additional documentation requirements and ongoing monitoring protocols.
4. PAYMENT ORCHESTRATION SYSTEM
4.1 Technology Platform Operation
Fund Flow Process:
- Buyers make payments through orchestrated payment methods on Merchant checkout
- Funds are collected by integrated third-party payment processors
- ONE receives funds from processors into designated merchant fund accounts
- Funds are held in temporary custody during operational conversion period (typically <24 hours)
- Fiat funds are converted to USDT through regulated exchange partners
- USDT is settled to Merchant's designated Wallet Address on Tron Network
4.2 Temporary Custody Framework
Operational Necessity: Temporary custody of funds is maintained solely for operational purposes related to:
- Multi-currency payment coordination
- Currency conversion processing
- Blockchain settlement execution
- Risk management and compliance verification
Custody Period: Funds are typically held for less than 24 hours during the conversion and settlement process. Extended holds may occur only for compliance verification, dispute resolution, or as required by law.
4.3 Merchant Fund Tracking
Real-Time Platform:
- Merchants have real-time visibility into their account balances
- Transaction-level tracking of all payment orchestration activities
- Separate accounting maintained for each Merchant's funds
- Immutable blockchain settlement records for transparency
Beneficial Ownership: Merchants maintain beneficial ownership of all funds throughout the orchestration process. ONE's temporary custody is solely for operational settlement purposes and does not constitute fund ownership transfer.
5. THIRD-PARTY SERVICE PROVIDERS
The Services integrate with various third-party providers including payment processors, banking partners, and digital asset exchanges. ONE may change, add, or remove third-party providers at any time to optimize service performance and compliance.
You acknowledge that service availability and performance may be affected by third-party provider operations. ONE is not responsible for third-party provider performance, but will use commercially reasonable efforts to minimize service disruptions.
6. MERCHANT OBLIGATIONS AND PROHIBITED ACTIVITIES
6.1 Merchant Responsibilities
Account Management:
- Provide accurate, complete, and current information at all times
- Maintain security of account credentials and notify ONE of any unauthorized access
- Secure and maintain control of designated USDT wallet and private keys
- Promptly update business information and notify of material changes to business model
Compliance Obligations:
- Comply with all applicable laws and regulations in merchant's jurisdiction
- Determine and pay all applicable taxes related to use of Services
- Maintain appropriate business licenses and registrations
- Provide additional verification documentation upon request
Digital Products/Services Only:
- Sell only digital products or services (software, digital content, online services, etc.)
- No physical goods, shipping, or delivery services
- Clearly describe products/services to buyers
- Honor refund and cancellation policies
6.2 Prohibited Activities
Illegal Activities:
- Any violation of applicable laws, regulations, or legal requirements
- Activities involving sanctioned individuals, entities, or jurisdictions
- Unauthorized use of intellectual property rights
Prohibited Business Models:
- Sale of physical products requiring shipping or delivery
- Financial services, investment advice, or money transmission
- Adult entertainment, gambling, or gaming services
- Pharmaceutical, medical devices, or health-related products
- Weapons, controlled substances, or illegal items
Fraudulent Activities:
- Misrepresentation of products, services, or business operations
- Manipulation of payment systems or orchestration platform
- Identity theft, phishing, or deceptive practices
- Chargeback fraud or transaction manipulation
Platform Abuse:
- Attempts to circumvent security measures or verification processes
- Unauthorized access to other merchant accounts or data
- Reverse engineering or copying of platform technology
- Violation of acceptable use policies
6.3 Full Merchant Responsibility
Relationship with Buyers:
Each Merchant is solely and exclusively responsible for:
- All representations, promises, and warranties made to their Buyers
- The quality, timely delivery, and fulfillment of all products or services sold
- Compliance with all applicable consumer protection laws
- Managing complaints, claims, and disputes with Buyers
- Clear and fair refund, return, and cancellation policies
- The accuracy of all promotional and marketing information
- Accepting all chargebacks without right to dispute through ONE's platform
Indemnification:
Merchant agrees to indemnify, defend, and hold harmless ONE, its affiliates, directors, employees, and agents from and against all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
- The sale of Merchant's products or services to Buyers
- Buyer claims related to deficient, undelivered, or fraudulent products or services
- Merchant's violations of these Terms or applicable laws
- False or misleading information provided by Merchant
- Violations of third-party rights, including intellectual property
- All chargebacks and their associated costs
7. FEES AND SETTLEMENT
7.1 Service Fees
ONE charges fees for payment orchestration services, including:
- Percentage-based orchestration fees
- Fixed per-transaction processing fees
- Currency conversion and settlement fees
- Network transaction fees for blockchain settlement
Current fee structures are published on our website and incorporated by reference. Fees may be updated with advance notice to Merchants.
7.2 Settlement Process
Withdrawal Requests:
- Merchants may request settlement of Available Balance at any time
- Settlements processed as USDT transfers to designated Wallet Address
- Minimum settlement amounts may apply
- Settlement requests typically processed within 24 hours
Settlement Risks:
- Blockchain transactions are irreversible
- Merchants responsible for accuracy of Wallet Address
- Network congestion may affect settlement timing
- ONE not responsible for blockchain network performance
7.3 Chargeback Policy
Automatic Chargeback Processing:
When a chargeback is initiated by a Buyer through their bank or card issuer:
- ONE will automatically and immediately process the full reversal of the payment to the Buyer
- No dispute process will be initiated
- No documentation or evidence will be requested from the Merchant
- No analysis or review of the transaction will be conducted
- The decision to reverse the payment is automatic, final, and irreversible
- The full amount of the chargeback will be immediately deducted from the Merchant's balance
Merchant Responsibility for Chargebacks:
By using the Services, Merchant acknowledges and agrees that:
- The Merchant assumes complete and total responsibility for all chargebacks
- The Merchant expressly waives any right to dispute chargebacks through ONE's platform
- The Merchant must resolve any disputes directly with the Buyer
- ONE will not intervene, mediate, or participate in any chargeback dispute
- The Merchant accepts that all chargeback decisions are final and binding
Impact on Account:
- Multiple or excessive chargebacks may result in account suspension or termination
- ONE reserves the right to hold additional reserves for accounts with high chargeback rates
- Negative balances resulting from chargebacks must be immediately funded by the Merchant
7.4 Fund Retention for Suspicious Activity or Violations
Account Suspension and Fund Retention:
If ONE detects activity in your account that, according to internal security policies, risk prevention, and compliance procedures, may constitute:
- Fraudulent or suspicious activity
- Violation of Prohibited Activities established in Section 6.2
- Unusual or high-risk transaction patterns
- Elevated chargeback or dispute rates
- False or misleading information during the verification process
- Multiple complaints or reports from Buyers
ONE reserves the right to immediately suspend the account and retain all available funds in the Merchant's account balance.
Retention Period:
- Standard Period: Funds will be retained for a minimum of 180 days (one hundred eighty days) from the account suspension date
- Extended Period: The retention period may be extended up to 365 days (one year) or longer, in the following cases:
- When there are pending chargebacks or chargebacks are anticipated
- If internal, legal, or regulatory investigations are ongoing
- When required by competent authorities or judicial mandate
- If the nature and severity of violations justify it
Purpose of Retention:
During the retention period, funds will be maintained to:
- Cover chargebacks that may be filed (up to 180 days after each transaction, or up to 540 days depending on dispute type and payment network)
- Process refunds to Buyers affected by undelivered, deficient, or fraudulent products or services
- Cover processing fees, penalties, and applicable fines
- Compensate for damages, losses, or costs incurred by ONE as a result of Merchant violations
- Cover third-party claims related to Merchant activities
- Finance investigation costs and administrative case management
Review Process:
ONE will conduct a detailed case review during the retention period, which will include:
- Analysis of all transactions and activity patterns
- Assessment of received and potential chargebacks
- Communication with affected Buyers when necessary
- Review of documentation and evidence provided by Merchant
- Coordination with competent authorities if applicable
Final Settlement:
Upon completion of the retention period and case review:
- If balance is positive: ONE will calculate the net balance after deducting all chargebacks, refunds, fees, penalties, and other incurred costs. If a positive remaining balance exists, it will be notified to the Merchant and processed for settlement to their designated Wallet Address within 30 business days.
- If balance is zero or negative: Merchant will be notified that no funds are available for settlement. ONE reserves the right to initiate legal action to recover any owed difference.
Right of Offset:
ONE expressly reserves the right to:
- Offset any amounts owed by Merchant against retained funds
- Deduct all chargebacks, refunds, fees, fines, penalties, and damages from the retained balance
- Retain additional funds if it is determined that Merchant owes additional compensation to ONE
- Pursue collection of owed amounts through legal means if retained funds are insufficient
Fund Forfeiture:
Funds may be permanently forfeited in the following cases:
- Confirmation of fraudulent or criminal activity
- Merchant's failure to respond to official communications within 60 days
- Identity or documentation falsification during the verification process
- Court order or competent authority mandate requiring forfeiture
- When the net balance, after all permitted deductions, is zero or negative
No Interest on Retained Funds:
Merchant expressly agrees that ONE will not pay interest, returns, or any compensation on retained funds during the retention period, regardless of its duration.
Notifications and Communication:
- ONE will notify Merchant about account suspension and fund retention via registered email sent to the primary contact address
- Merchant may submit documentation, evidence, or explanations to support their case
- ONE will provide periodic updates on chargeback status and review progress
- Final settlement or forfeiture calculations will be communicated in writing at the end of the retention period
Acceptance:
By accepting these Terms and Conditions, Merchant acknowledges and expressly accepts these fund retention policies and waives any claims against ONE for legitimate fund retention as established in this section.
8. ONGOING MONITORING AND COMPLIANCE
8.1 Transaction Monitoring
Automated Systems:
- Real-time transaction analysis for unusual patterns
- Integration with payment processor fraud detection systems
- Compliance screening for sanctions and prohibited activities
- Volume and velocity monitoring for risk assessment
8.2 Periodic Reviews
Merchant Verification Updates:
- Periodic business activity verification
- Updated documentation requirements for high-volume merchants
- Compliance re-screening as required by regulations
- Business model change notifications and approval processes
8.3 Suspicious Activity Reporting
ONE maintains procedures for identifying and reporting suspicious activities in accordance with applicable regulations. Merchants agree to cooperate with compliance investigations and provide requested documentation.
9. RISK DISCLOSURES AND DISCLAIMERS
9.1 Digital Asset Risks
Blockchain Technology Risks:
- Digital asset transactions are irreversible
- Blockchain network performance affects settlement timing
- Regulatory changes may impact digital asset operations
- Technology risks including network attacks or malfunctions
Market Risks:
- Digital asset values may fluctuate
- Conversion timing may affect settlement amounts
- ONE absorbs short-term conversion risk as part of service fees
9.2 Operational Risks
Service Availability:
- Platform availability subject to maintenance and technical issues
- Third-party provider performance affects service delivery
- Internet connectivity and technical infrastructure dependencies
Regulatory Risks:
- Evolving regulatory landscape for digital assets and payments
- Potential changes in compliance requirements
- Cross-border regulatory variations
9.3 Financial Disclaimers
No Banking Services:
- ONE is not a bank and provides no banking services
- Account balances not insured by FDIC or other deposit insurance
- No guarantee of principal protection or return on funds
- Merchants responsible for own financial and tax obligations
9.4 Disclaimer Regarding Merchants
Disclaimer of Warranties About Merchants:
ONE DOES NOT WARRANT, ENDORSE, OR ASSUME ANY RESPONSIBILITY FOR:
- The conduct, integrity, capacity, or suitability of any Merchant
- The quality, safety, legality, or adequacy of products or services offered by Merchants
- The truthfulness, accuracy, or completeness of information provided by Merchants
- Merchants' compliance with laws, regulations, or industry standards
- Disputes, claims, or conflicts between Merchants and Buyers
Direct Merchant-Buyer Relationship:
All transactions are conducted directly between the Merchant and the Buyer. ONE acts solely as a payment technology infrastructure provider. Approval of a Merchant to use the platform does NOT constitute a recommendation, endorsement, or guarantee by ONE.
Reporting Suspicious Activities:
While ONE maintains monitoring processes and may take action against Merchants who violate these Terms, users who detect fraudulent, deceptive, or illegal activities should report them immediately through their account dashboard or by contacting info@one.lat.
10. LIMITATION OF LIABILITY
General Limitation:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ONE SHALL NOT BE LIABLE FOR:
- INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
- LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES
- DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THE SERVICES
- ANY DISPUTE, CLAIM, OR CONFLICT BETWEEN MERCHANTS AND BUYERS
- DEFICIENT, UNDELIVERED, OR FRAUDULENT PRODUCTS OR SERVICES PROVIDED BY MERCHANTS
- LOSSES SUFFERED BY BUYERS DUE TO ACTIONS OR OMISSIONS OF MERCHANTS
- CONTRACTUAL BREACHES BY MERCHANTS TOWARD THEIR CUSTOMERS
- ANY LOSSES RESULTING FROM CHARGEBACKS
Quantitative Limitation:
ONE's total liability to any Merchant shall not exceed the fees paid by such Merchant to ONE in the twelve (12) months preceding the event giving rise to liability.
Services Provided "AS IS":
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
ONE DOES NOT WARRANT THAT:
- The Services will be uninterrupted, secure, or error-free
- Merchants will comply with their obligations to Buyers
- Information provided by Merchants will be accurate or reliable
- Results obtained from using the Services will meet your expectations
11. TERMINATION
Either party may terminate this agreement at any time with written notice. Upon termination:
- Access to Services will be discontinued
- Outstanding balances will be settled according to standard procedures
- Merchant obligations continue until all settlements are completed
- Survival clauses remain in effect as specified
12. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms are governed by Delaware law. Any disputes will be resolved through binding arbitration in Delaware, except that ONE may seek injunctive relief in any court of competent jurisdiction.
13. AMENDMENTS AND MODIFICATIONS
ONE reserves the right to modify these Terms at any time with advance notice to Merchants. Continued use of Services after modification constitutes acceptance of updated Terms.
14. NOTICE TO BUYERS
Nature of ONE's Services:
If you are a Buyer (purchaser of products or services from a Merchant), you must understand that:
- ONE provides only payment processing services and orchestration technology
- ONE IS NOT the seller of the products or services you purchase
- Your contract is directly with the Merchant, not with ONE
- ONE does not control or guarantee the quality, delivery, or suitability of products/services
Dispute Resolution with Merchants:
For any issues related to purchased products or services:
- Contact the Merchant seller directly as a first step
- Review the Merchant's refund and return policies
- If you cannot resolve the issue with the Merchant, you may report fraudulent or deceptive activities to info@one.lat for investigation
Limitation of Liability Toward Buyers:
ONE ASSUMES NO RESPONSIBILITY WHATSOEVER for disputes between Buyers and Merchants. Our sole function is to facilitate the technical processing of payments. All claims regarding products or services must be directed to the Merchant seller.
Contact Information: For questions regarding these Terms, please contact our compliance team through your account dashboard or at info@one.lat.
These Terms constitute the complete agreement between the parties regarding the Services and supersede all prior agreements and understandings.
