Terms and Conditions of Use

Last updated: April 2025.

IMPORTANT NOTICE: THE FOLLOWING SECTIONS CONTAIN CRITICAL INFORMATION. PLEASE READ THEM CAREFULLY. SECTION 21.1 REQUIRES INDIVIDUAL ARBITRATION FOR DISPUTES, AND SECTION 17 IMPOSES TIME LIMITS FOR ANY CLAIMS AGAINST WORLDFY.

These Terms and Conditions ("Terms") constitute a legally binding agreement between each individual or entity ("You") and Worldfy OÜ("Worldfy OÜ," "We," "Our," or "Us"). These Terms apply whenever a Buyer accesses this website or a Seller offers Products for sale through it. The website is accessible at: [worldfypayments.com], including its subdomains and other related websites (collectively, the "Site"), along with all available functionalities, including purchasing products listed and delivered by Worldfy ("Products").

To simplify these Terms, the Site and its interactive features, functionalities, and services, including platform-based services, are collectively referred to as the "Services." Please carefully read these Terms and our Privacy Policy ("Privacy Policy") as they govern the sale and purchase of Products and your use of the Services.

These Terms apply irrespective of your access method, whether by desktop computer, mobile device, or otherwise, directly through Our Services, or via any third-party website linked to them. These Terms are binding regardless of your registration status—whether as a Seller registering Products or as a Buyer purchasing Products.

Worldfy OÜ, part of the Worldfy group, operates the platform available at [worldfypayments.com], enabling Buyers and Sellers to transact Products.

Under these Terms, when a Buyer submits an order to purchase a Product, the Buyer authorizes Worldfy to acquire the Product from the Seller in the Seller’s country of residence. Upon purchasing the Product from the Seller, We will then resell the Product to the Buyer, completing delivery in the Buyer’s country of residence.

IMPORTANT ARBITRATION NOTICE FOR U.S. CUSTOMERS: BY ACCEPTING THESE TERMS, YOU AGREE (WITH LIMITED EXCEPTIONS) THAT ANY DISPUTES BETWEEN YOU AND WORLDFY WILL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION INSTEAD OF THROUGH COURT LITIGATION. PLEASE REVIEW SECTION 21, "DISPUTE RESOLUTION," BELOW FOR DETAILS ON ARBITRATION PROCEDURES.

BY PLACING ORDERS, REGISTERING PRODUCTS, OR OTHERWISE USING THE SERVICES, YOU CONFIRM YOUR ACCEPTANCE AND COMPLIANCE WITH THESE TERMS. YOU MUST NOT USE THE SERVICES OR PURCHASE PRODUCTS FROM THE SITE IF YOU (A) DISAGREE WITH ANY PART OF THESE TERMS, (B) ARE BELOW THE LEGAL AGE REQUIRED TO FORM A LEGALLY BINDING CONTRACT WITH WORLDFY, OR (C) ARE OTHERWISE PROHIBITED FROM USING OR ACCESSING THE SERVICES.

If You use the Services or transact Products on behalf of a business or another legal entity, You warrant that You have the necessary authority to bind that entity to these Terms. In this scenario, the terms "You" and "Your" will refer to that entity.

If You breach these Terms, or if We have reasonable suspicion of such a breach, You may forfeit any pending Seller Payments or other payments due from Worldfy. Additionally, at Worldfy’s sole discretion, unpaid Seller Payments may be withheld or previously paid Seller Payments deducted from future amounts due ("Withholding") if:

Worldfy suspects or determines a breach of these Terms or applicable law;
Worldfy receives complaints that suggest a breach or violation of applicable rules;
Worldfy determines that previous payments were made in violation of these Terms.

Such Withholding will offset Worldfy’s actual or potential losses or liabilities, including attorneys' fees and related costs. This is supplemental to other remedies available under law or equity.

1. Modifications to Terms or Services:

Worldfy may amend these Terms at its sole discretion, without prior written notice. The latest Terms will always be available on this Site. You should review these Terms regularly, especially before purchasing Products or using the Services.

Your continued usage after any updates signifies Your acceptance and agreement to those modifications. Additionally, due to the evolving nature of Our Services, Worldfy reserves the right to modify or discontinue any or all parts of the Services at any time, without prior notice.

2. Feedback:

We welcome any feedback, comments, proposals, suggestions, or ideas for enhancing Our Products and Services ("Feedback"). By submitting Feedback, You agree that Worldfy may freely utilize it without restrictions or obligations to compensate You.

I. Specific Dispositions for Buyers

3. Acceptance of Orders:

If You are a Buyer, You acknowledge that placing an order constitutes an offer to purchase, under these Terms, all Products listed in your order. We must accept all orders, otherwise, We are not obligated to provide the Products.

We reserve the right, at Our sole discretion, to decline any orders. Upon receiving your order, We will email a confirmation containing the order number and the details of your purchase. A binding sale contract is only formed once You receive this confirmation email.

We may limit order quantities, extend delivery timelines, or refuse shipment for any reason. We shall bear no liability for product unavailability or delays.

4. Order Eligibility:

As a Buyer, You represent and warrant that: (i) You are purchasing Products for personal use, not resale or export; and (ii) You will adhere to all applicable laws regarding purchase, receipt, and use of Products. You also warrant that You have the rights to provide all submitted content and data.

II. Specific Dispositions for Sellers

5. Product Registration:

5.1 Sellers may register and list individual Products for sale. By creating a Seller account, You confirm all information is accurate and truthful.
5.2 We may review and determine eligibility at Our sole discretion.
5.3 We may remove any Product listings without notice or liability.
5.4 Sellers must protect their account credentials and avoid sharing access with others.
5.5 Sellers are responsible for all transactions and messages under their account. We are not liable for losses due to account misuse.
5.6 Sellers must notify Us of any unauthorized access or breaches.
5.7 Worldfy acts as the Merchant of Record, acquiring the Product from the Seller before reselling it to the Buyer.
5.7.1 Sellers must provide all tax, customs, or regulatory documents needed to transfer ownership. Failure may result in withheld payments or service termination.

6. Sale to Buyers:

Once a Product is registered and a Buyer finalizes an order, We will purchase the Product from the Seller, acquiring full ownership. Subsequently, Worldfy OÜ will resell the Product directly to the Buyer.

7. Seller Services:

7.1 As a reseller, Worldfy will offer Sellers the following Services:

(a) Establishment of Sellers as Product suppliers on Worldfy’s platform, including access to the Seller Dashboard for viewing sales and payments due.
(b) Acting as a non-exclusive reseller of Products via the platform across all supported territories.
(c) Facilitating Product fulfillment by connecting Buyers to Sellers for Product access or delivery.
(d) Handling order support, sales taxes, and related tax documentation between Sellers, Worldfy, and Buyers.

7.2 Sellers further agree to:

a. Comply with all applicable laws, rules, and regulations regarding sales to Worldfy, data provided to the Services, and adherence to advertising standards as outlined in the Terms Annex.
b. Observe laws concerning tax collection associated with Product sales to Worldfy, subject to jurisdictional variations.
c. Assume full responsibility for timely tax payments due or withheld by Worldfy.
d. Prominently display a privacy policy compliant with applicable laws on the Seller's website, clearly disclosing data collection, usage, and sharing practices, including those related to these Terms and data provided to Worldfy.
e. Confirm ownership or lawful rights to sell and market all Products, including rights to use related intellectual property, content, descriptions, images, reviews, and marketing materials.
f. Ensure compliance with all relevant consumer protection, marketing, and privacy regulations, including, but not limited to, the Federal Trade Commission Act, CAN-SPAM Act, state privacy laws, and other applicable federal, state, and local regulations.
g. Notify Worldfy within 24 hours of any complaints regarding Products, promotions, or advertisements associated with Products.

III. Dispositions for Sellers and Buyers:

8. Privacy and Security:

Refer to Our Privacy Policy for details on how personal data collected during Product purchases is processed. By accepting these Terms, You consent to Our data practices consistent with the Privacy Policy.

9. Pricing and Availability; Payment:

9.1 Subject to applicable law, all prices for Products displayed are subject to change at any time without prior notice. Worldfy reserves the right to alter prices and product availability without obligation to provide justification.

Quantities of some Products may be limited, and availability cannot always be assured. We retain the right to discontinue Products at any time.

The charged price for a Product shall be the effective price at the time the order is placed, detailed in the order confirmation email. Price increases will only apply to orders placed after the date of such increases.

All applicable taxes, shipping, and handling fees are additional and will be calculated and shown during checkout and in the order confirmation email.

Worldfy shall handle the calculation, collection, and payment of taxes applicable to transactions, excluding those specifically imposed on the Buyer, such as import duties or taxes, which remain the sole responsibility of the Buyer. The Buyer agrees to directly pay these taxes to relevant authorities or reimburse Worldfy if paid on the Buyer’s behalf.

Sellers must provide necessary documentation to ensure accurate tax calculations and remittance.

9.2 We assume no responsibility for pricing, typographical, or other errors, and reserve the right to cancel any orders resulting from such errors. Payment terms are at Our sole discretion, and payments must be fully received before accepting an order.

9.3 When engaging in transactions via Our Services (each, a “Transaction”), You explicitly authorize Worldfy to charge You for said Transaction. We may request additional information relevant to Your Transaction, including credit card details and billing addresses (“Payment Information”).

You represent that the provided Payment Information is accurate and that You have the authority to use the specified payment method. Charges will be honored by Your financial service provider, and You agree to pay all applicable fees.

Initiating a Transaction authorizes us to share Your Payment Information with third parties as necessary to complete Your Transaction and charge Your payment method accordingly. Additional identity verification may be required.

All payments are non-refundable except as expressly provided in these Terms. Transactions are conducted in United States dollars.

9.4 Credit card charges occur when Your order is processed. Your issuing bank dictates the timing of fund releases related to cancellations or refunds.

We reserve the right to retain Your Payment Information for future service enhancements and to prevent fraud. Payment transaction completion requires accurate information, payment method authorization, and acceptance of Your payment.

9.5 Orders are generally non-cancelable unless explicitly provided otherwise. Cancellation requests are granted or denied solely at Our discretion.

We may cancel payments or restrict future payment capabilities for reasons including, but not limited to, legal or regulatory breaches, suspected fraud, declined payment methods, excessive disputes, or other circumstances deemed appropriate by Worldfy.

9.6 Sellers must specify a recommended retail price (“Price Recommendation”) for each Product. Following Buyer order completion, Worldfy shall compensate the Seller based on the Price Recommendation minus applicable taxes and Worldfy’s mark-up as Merchant of Record (“Seller Payments”).

9.7 Seller Payments are made via the specified payment method within 180 days of purchase or as agreed otherwise. We reserve the right to extend refund and return periods to up to 365 days post-purchase, delaying Seller Payments accordingly.

9.8 Worldfy reserves the right to withhold a portion of Seller Payments for anticipated claims, including chargebacks and returns, especially if the product sales volume is low relative to product price.

9.9 Returns, refunds, or chargebacks result in the deduction of respective amounts, including associated fees, from Seller Payments. Worldfy reserves rights to withhold payments if the Seller violates these Terms or applicable laws, or if Products are suspected defective or support is inadequate.

9.10 Worldfy expressly retains the right to extend withholding periods for Seller Payments anticipating potential indemnifications such as chargebacks and returns.

10. Return and Refunds:

10.1 To request a cancellation of a Product purchase or initiate a return, Buyers must contact Us via contact@worldfypayments.com, clearly stating the reasons for the request.

We will evaluate each request within two business days. Worldfy is solely responsible for handling returns, refunds, and customer service inquiries, ensuring compliance with its obligations as the Merchant of Record.

For further details, please review our Refund and Return Policy.

11. Transfer of Title:

11.1 The title to Products transfers from Seller to Worldfy when a Buyer completes an order on the Worldfy platform. Subsequently, the title transfers from Worldfy to the Buyer once the Product is made available to the Buyer in their country of residence.

11.2 Sellers are required to complete, sign, and submit any forms required for tax, customs, regulatory, or inspection purposes, which are necessary to facilitate the title transfer in any jurisdiction.

11.3 Failure by the Seller to comply with Section 11.2 will authorize Worldfy to withhold all Seller Payments until compliance is met or terminate the Seller's access to Services.

12. Damaged or Incomplete Shipment:

If You receive a shipment that is damaged or incomplete or are dissatisfied with any Product, please contact us immediately via contact@worldfypayments.com. All refunds are determined solely at Worldfy’s discretion.

13. Temporary Inaccessibility:

Given the nature of the online environment, Worldfy does not guarantee uninterrupted availability of the Services. Access to certain features or areas of the Services may occasionally be restricted due to capacity constraints, security measures, or maintenance activities. Such restrictions will be treated as force majeure events, exempting Worldfy from liability.

14. General Prohibitions and Worldfy’s Enforcement Rights:

You agree not to engage in any of the following activities:

14.1 Use, reproduce, mirror, extract, scrape, index, or frame any part of the Services (including any content provided by us), Products, or individual elements within the Services, the name “Worldfy,” any Worldfy trademark or logo, or the design and layout of any page, without express written authorization from Worldfy OÜ;

14.2 Access or interfere with non-public areas of the Services, Worldfy’s internal systems, or the technical delivery infrastructure of its providers;

14.3 Probe, scan, or test the vulnerability of any system or network owned or operated by Worldfy, or breach any authentication or security measures;

14.4 Bypass, disable, remove, or otherwise interfere with any technical security measures implemented by Worldfy, its providers, or any third party (including another user);

14.5 Attempt to search, crawl, or retrieve content from the Services using any engine, tool, or software (including crawlers, bots, data-mining tools) not explicitly permitted by Worldfy;

14.6 Transmit any unauthorized advertisements, promotions, bulk email, spam, or other solicitations;

14.7 Use hidden tags, metadata, or other invisible content incorporating Worldfy trademarks, logos, or Product names without prior written approval;

14.8 Use the Services or any of its parts for unauthorized commercial purposes or on behalf of any third party, in ways not allowed by these Terms;

14.9 Falsify any part of the header in TCP/IP packets or emails or send misleading or false identifying information via the Services;

14.10 Attempt to decompile, disassemble, reverse engineer, or derive source code from any software provided by or through Worldfy;

14.11 Disrupt or interfere with any user, host, or network through means such as viruses, overloads, floods, spam, or similar;

14.12 Collect or store personal information from other users without their explicit consent;

14.13 Impersonate others or falsely represent an affiliation with any individual or entity;

14.14 Offer Products for sale unless you lawfully hold all rights to do so;

14.15 Use or distribute protected content or intellectual property in any promotional material unless you own or are legally authorized to use it. This includes but is not limited to Product descriptions, images, customer reviews, and all other content or data;

14.16 Violate any law or regulation applicable to your use of the Services; or

14.17 Encourage or facilitate any of the above behaviors.

14.18 Worldfy is not required to monitor user activity or content but reserves the right to do so for operational, legal, or compliance purposes. Worldfy may remove or restrict access to any content at its sole discretion and without prior notice, including if it deems the content inappropriate or in breach of these Terms. We may investigate violations and cooperate with legal authorities where necessary. You are solely responsible for your interactions with others on the platform; Worldfy will not mediate or assume responsibility for user disputes.

15. Links to Third-Party Websites or Resources:

The Services may contain links or references to external websites or resources operated by third parties. These are provided solely for your convenience. Worldfy does not control and is not responsible for the content, products, or services offered through such third-party websites. By choosing to access them, You acknowledge and accept full responsibility and risk for your use of any external resources.

16. Disclaimer of Warranties:

To the extent permitted by applicable law, the Buyer acknowledges that the use of the Services and all Products made available through the platform is at their own risk and provided strictly on an “as is” and “as available” basis. Unless expressly warranted by the Seller, no guarantees are made by Worldfy. Worldfy expressly disclaims all implied warranties, including but not limited to merchantability, fitness for a particular purpose, quiet enjoyment, non-infringement of third-party intellectual property rights, and any warranties that may arise from custom, trade usage, course of dealing, or performance. We make no assurances that the Services or Products will meet the Buyer’s expectations or function without interruption, errors, or security issues. We also make no guarantees about the quality, accuracy, reliability, timeliness, or completeness of any information or content provided. Some jurisdictions do not allow the exclusion of certain implied warranties. In such cases, parts of this disclaimer may not apply.

17. Limitation of Liability:

17.1 To the fullest extent permitted by applicable law, neither Worldfy nor its service providers involved in the development, delivery, or operation of the Services shall be liable for any indirect, incidental, special, exemplary, or consequential damages. This includes, without limitation, loss of profits, revenue, savings, data, goodwill, business opportunities, service disruptions, system or device failures, or costs of replacement products or services, arising from or related to these Terms or the inability to use the Services or Products—regardless of the legal theory invoked, including warranty, contract, tort (including negligence), or product liability—even if Worldfy has been advised of the possibility of such damages or if a limited remedy fails in its essential purpose.

17.2 To the maximum extent allowed by law, Worldfy’s aggregate liability for claims arising out of or in connection with these Terms or the use of the Services will not exceed the greater of: (a) the total amount paid by the Buyer to Worldfy for Services in the twelve (12) months preceding the incident giving rise to the claim, or (b) one hundred U.S. dollars ($100), if no such payments have been made.

17.3 The above limitations and exclusions of liability form an essential basis of the agreement between You and Worldfy regarding the use of the Services.

18. Indemnification:

You agree to defend, indemnify, and hold harmless Worldfy, its affiliates, and their respective officers, directors, employees, contractors, successors, and assigns from and against any and all claims, liabilities, demands, damages, losses, judgments, expenses, or costs (including reasonable legal and accounting fees) that arise from or are connected to: (i) your use of the Services or purchase of any Products, or (ii) your breach or violation of these Terms.

19. Intellectual Property:

19.1 You acknowledge that Worldfy remains the sole and exclusive owner of all rights, titles, and interests in and to all patents, utility models, industrial designs, copyrights, trademarks, trade dress, domain names, software (including source and object code), inventions, discoveries, technical documentation, audiovisual materials, algorithms, firmware, methods, processes, designs, specifications, layouts, confidential information, and any other tangible or intangible intellectual property or proprietary material—regardless of whether registered or eligible for registration—in any jurisdiction. This includes any improvements, modifications, or derivative works, and applies specifically to all technology and content associated with the Services.

19.2 The Worldfy name, logo, product names, branding elements, and associated designs are trademarks or registered marks owned by Worldfy, its affiliates, or licensors. You are not permitted to use any such marks without prior written authorization from Worldfy.

19.3 Subject to these Terms, Worldfy grants You a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Site and its associated infrastructure solely for conducting transactions as permitted under these Terms. All other rights are expressly reserved by Worldfy.

20. Governing Law and Jurisdiction:

These Terms and any related disputes or claims shall be governed by and interpreted in accordance with the laws of Estonia, without regard to conflict of law provisions. The parties agree to submit to the exclusive jurisdiction of the competent courts located in Tallinn, Estonia, for any legal proceedings that are not subject to arbitration as described below. Both parties waive any objections to venue or jurisdiction in such courts.

21. Dispute Resolution:

21.1 Arbitration Agreement: Any dispute, controversy, or claim arising out of or in connection with these Terms, including their validity, breach, termination, or interpretation (collectively, “Disputes”), shall be finally settled by binding arbitration under the Rules of Arbitration of the Arbitration Court of the Estonian Chamber of Commerce and Industry. The arbitration shall be conducted by a single arbitrator, in English, and the seat of arbitration shall be Tallinn, Estonia. Each party waives the right to bring any Dispute before a court, except where applicable law provides otherwise.

21.2 Exceptions to Arbitration: Notwithstanding Section 21.1, either party may bring an action before a competent court in Tallinn, Estonia, for injunctive or equitable relief to prevent unauthorized use or misuse of intellectual property, or to protect confidentiality rights. Claims that fall within the jurisdictional limits of small claims court may also be brought directly in such courts by either party.

21.3 Arbitration Procedure: The arbitration shall be confidential. The arbitrator will have the authority to grant any remedy or relief that a court could award under law or in equity, subject to the limitations of these Terms. The decision rendered by the arbitrator shall be final and binding, and may be enforced in any court of competent jurisdiction.

21.4 Arbitration Costs: Payment of all filing, administrative, and arbitrator fees will be governed by the applicable arbitration rules. Worldfy will not seek to recover any administrative or arbitrator fees it is responsible for unless the arbitrator determines that your claim was frivolous. If Worldfy prevails in arbitration, it will cover its own attorneys’ fees and costs and will not attempt to recover them from you. If you prevail, you may be entitled to attorneys’ fees and related expenses as permitted by applicable law.

21.5 Injunctive and Declaratory Relief: Except as noted in Section 21.2 above, the arbitrator shall decide all matters of liability regarding any claim raised and may award declaratory or injunctive relief solely to the individual party seeking such remedy, and only to the extent necessary. Should either party seek public injunctive relief, that request must be adjudicated by a civil court with appropriate jurisdiction and not through arbitration. Any such litigation will be stayed until the arbitration on individual claims is resolved.

21.6 Class Action Waiver: YOU AND WORLDFY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Furthermore, if a Dispute is arbitrated, the arbitrator may not consolidate any other individual’s claims with yours, nor preside over any class or representative proceeding. If this provision is held unenforceable, the entire Dispute Resolution section shall be deemed null and void.

21.7 Severability: Except for Section 21.6, if any part of these Terms is found invalid or unenforceable by an arbitrator or a court with jurisdiction, the remainder shall remain in full force and effect.

22. Miscellaneous:

22.1 You may not assign or transfer any of your rights or delegate any of your obligations under these Terms without our prior written approval. Any attempt to do so in violation of this section shall be null and void. Worldfy may assign or transfer these Terms at its sole discretion without restriction. Subject to the above, these Terms shall be binding upon and inure to the benefit of the parties, their permitted successors, and assigns.

22.2 Our failure to enforce any provision or right under these Terms shall not be interpreted as a waiver of such provision or right for future purposes. A waiver shall be effective only if explicitly set forth in a written document signed by an authorized representative of Worldfy. Except where expressly stated, the exercise of any remedy by either party shall not affect other available remedies under these Terms or at law.

22.3 These Terms are not intended to grant any rights or benefits to anyone other than you. If any part of these Terms is found invalid, unlawful, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be enforced to the greatest extent permissible, and the remaining sections will continue in full force and effect.

22.4 These Terms represent the entire and exclusive agreement between you and Worldfy concerning the Services and override any prior oral or written communications or agreements between the parties regarding the Services.

23. Notices:

We may send you notices relating to these Terms via email to the address you provided or by publishing the notice on our website. Email notices shall be considered delivered once the message is sent, and posted notices shall be deemed effective upon publication. It is your sole responsibility to ensure your contact information is up to date.

24. Termination

24.1 These Terms will become effective when you first accept them, access, or use the Services—whichever occurs first.

24.2 These Terms may terminate automatically if: (i) you breach any provision of these Terms; or (ii) you discontinue use of the Services. Such termination shall be effective immediately and without prior notice. Additionally, Worldfy may, at its sole discretion, suspend or terminate your access to the Services and/or cancel any pending product orders at any time, with or without cause or notice. Upon termination, all rights granted to you under these Terms shall cease immediately.

24.3 The following sections shall remain in force even after termination, discontinuation, or cancellation of the Services: Sections 2, 9, 10 (with respect to any outstanding payment obligations to Worldfy prior to termination), 11, 16, 18, 19, 20, 21, 22, 23, 24, 25, the final sentence of Section 24.2, and this Section 24.3.

25. Contact Information

If you have any questions about these Terms or the Services, you may contact Worldfy at: contact@worldfypayments.com

Annex – Advertisement

Advertising Rules and Restrictions

1. General Restrictions

In addition to the Seller’s obligations, no advertising content created, published, or distributed by the Seller may:

a) include any material that invades privacy, is offensive, defamatory, unlawful, misleading, vulgar, obscene, pornographic, ridiculing, embarrassing, or otherwise deemed inappropriate at Worldfy’s sole discretion;
b) trigger deceptive, malicious, or forced pop-ups or exit pop-ups;
c) generate leads that are not the result of a user’s direct and intentional action;
d) promote any unlawful activities, including but not limited to gambling, illegal substances, software piracy, or hacking;
e) promote violence, discrimination based on protected characteristics, sexually explicit content, alcohol, tobacco, or any prescription or non-prescription drugs;
f) spoof or redirect traffic to adult-oriented websites or any sites not explicitly approved by Worldfy as a landing page;
g) offer incentives (such as cash, prizes, points, or rewards) in exchange for user actions or lead generation;
h) use surveys or questionnaires as a lead generation method;
i) serve ads or direct traffic to ads using adware, spyware, browser plug-ins, pop-ups, pop-unders, or similar downloadable technologies, or use any type of offer wall unless expressly approved by Worldfy;
j) use malware, cloak IP addresses, or generate traffic through proxy servers;
k) infringe upon the intellectual property or personal rights of any third party, including the use of misspellings, typosquatting, or variations of third-party brand names in domain names, usernames, or other identifiers;
l) engage in consumer fraud, banking fraud, credit card fraud, unsolicited advertising (spam), or any unlawful sales practices that violate applicable laws;
m) use any synthetic, AI-generated, or deepfake content that mimics or implies the identity, voice, or likeness of a real person without (i) documented consent from the individual and (ii) clear and conspicuous disclosure to the viewer.

All obligations under this Annex also apply to any third party (including affiliates or marketing partners) acting on the Seller’s behalf. The Seller remains fully responsible for the actions of such third parties as if taken by the Seller directly.

Any Seller, affiliate, or third party may report suspected violations of these rules through our content flagging form or by emailing report@worldfypayments.com.

2. Advertising Rules

The Seller may only advertise its Products using marketing channels explicitly permitted by Worldfy.

a) Email Advertising

When using email as a method of advertising or promotion, the Seller agrees to comply with the following Email Content Requirements and Email Suppression and Monitoring Requirements:

a. Email Content Requirements

i. All emails must comply with applicable laws, including the CAN-SPAM Act (15 U.S.C. § 7701), relevant state anti-spam laws (e.g., California Business & Professions Code § 17529), CASL (Canada), and the GDPR (EU 2016/679).
ii. Emails must include accurate header information, including the source, destination, date and time, routing details, and truthful and non-misleading subject lines and sender names.
iii. Emails must be sent from a domain that is openly and accurately registered to the sender. Privately registered or misleading domains are prohibited. The sender’s identity must be clearly identifiable and contactable.
iv. Emails must include a clear and conspicuous statement that the message is an advertisement or solicitation. This must include the statement:

"This is an advertisement."
v. Emails must include:
(a) a clear notice of the recipient’s right to opt out of future emails; and
(b) a valid return email address or internet-based mechanism the recipient may use to submit an opt-out request.

An acceptable notice is:
This is an advertisement. If you would prefer not to receive future marketing messages from us, click here or write to [Company Name], [Street Address], [City], [State] [Zip Code].

Acceptable opt-out methods include:
- A unique unsubscribe link included in each email;
- A link to a public (non-password protected) webpage where the recipient can opt out;
- A functioning return email address that accepts replies with either a blank message or the word “Unsubscribe” in the subject line.
The opt-out process must be simple, functional, and honored promptly. The opt-out mechanism must remain valid for at least 30 days after the email is sent.
vi. Emails must include the Seller’s valid postal address.

b. Email Suppression and Monitoring Requirements

i. All emails sent by the Seller must be delivered only to addresses on email lists exclusively owned or managed by the Seller. The Seller represents and warrants that all recipients have provided explicit and verifiable consent to receive commercial emails. Upon Worldfy’s request, and within 24 hours, the Seller must provide subscriber data for each recipient, including: (a) the subscriber’s IP address; (b) date and time of sign-up; (c) location and URL of the sign-up; and (d) email address and other submitted information.
ii. The Seller must provide Worldfy with a suppression list containing all email addresses of recipients who have opted out or requested to stop receiving emails.
iii. Unsubscribe requests must be processed within ten (10) days of receipt. The Seller must maintain records confirming the removal of such addresses for Worldfy’s verification.
iv. The Seller is solely responsible for all email communications sent and for proper handling of the suppression list.
v. The Seller must not sell, share, or transfer any opt-out email address, except as legally required. The suppression list is considered confidential information.
vi. The Seller must not send emails to addresses obtained without proper consent, including those harvested from the Internet or generated randomly.
vii. The Seller must not use automated scripts or tools to create or register multiple email accounts for the purpose of sending emails.
viii. The Seller must not send emails with the intent of harvesting addresses for future unsolicited communications.
ix. Upon request by Worldfy, the Seller must immediately cease sending any specific advertisement or promotional email.
x. Before sending any emails, the Seller must scrub their list against applicable suppression files. Thereafter, suppression scrubbing must occur at least once every seven (7) days.

c) Phone and Text Message Advertising

The Seller shall not send or initiate any text messages, phone calls, SMS, MMS messages, prerecorded voice calls, or “ringless voicemails” unless Worldfy provides prior express written consent. If authorized, the Seller must comply with all of the following requirements:

a. The Seller must comply with all applicable federal, state, and local laws and regulations related to telemarketing and text message marketing, including, but not limited to, the Telephone Consumer Protection Act (TCPA, 47 C.F.R. § 227), the Telemarketing and Consumer Fraud and Abuse Prevention Act (15 U.S.C. §§ 6101–6108), the Telemarketing Sales Rule (16 C.F.R. Part 310), FCC rules implementing the TCPA, and related judicial interpretations, as well as all applicable Do Not Call (DNC) laws.
b. The Seller must obtain “prior express written consent” from each recipient before initiating any phone call or text message, in compliance with the definitions set forth by the TCPA, TSR, FCC regulations, and relevant case law.
c. The Seller must not place any calls to numbers on the U.S. National Do Not Call Registry, applicable state DNC lists, or any additional suppression lists provided by Worldfy.
d. The Seller must comply with all laws regarding proper disclosures, opt-out mechanisms, and procedures for revoking consent.
e. The Seller must establish and maintain internal written policies and procedures to ensure compliance with all telemarketing laws and regulations.
f. The Seller must maintain an internal Do Not Call list reflecting any consumer who has opted out of receiving calls or messages. The Seller must not contact any consumer listed on such internal DNC list and shall notify Worldfy within 24 hours of receiving any such request or revocation of consent related to Worldfy, its products, or services.

d) Endorsements and Testimonials

Sellers are prohibited from using any Endorsement or Testimonial to promote Products without Worldfy’s prior express written consent.

For purposes of these Terms, “Endorsement” or “Testimonial” (collectively, “Testimonial”) means any advertising message — including but not limited to Buyer reviews, influencer or celebrity endorsements, blogs, verbal statements, demonstrations, or depictions involving a name, signature, likeness, or other identifying characteristic of an individual or organization — that Buyers are likely to believe reflects the opinions, beliefs, findings, or experiences of that individual or organization.

The following restrictions apply:

a. Sellers must not use any Testimonial unless it complies with the Federal Trade Commission’s Revised Endorsement and Testimonial Guidelines (16 CFR Part 255).
b. Testimonials must reflect the honest opinions, findings, beliefs, and experiences of the Endorser, and may not include any statement or implication that would be deceptive if made directly by the Seller.
c. Testimonials must not make any representation that the Seller cannot substantiate or that would be deemed deceptive under applicable law.
d. If a Testimonial states or implies that the Endorser uses the Seller’s Product, the Endorser must have been a bona fide user of the Product at the time the Testimonial was provided. The Seller may continue to use the Testimonial only if it has a reasonable basis to believe that the Endorser continues to hold the expressed views.
e. Any material connection between the Endorser and the Seller must be clearly and conspicuously disclosed in the advertisement. “Material connections” include, but are not limited to, compensation or incentives such as money, free or discounted products, review units, prizes, services, affiliate commissions, access privileges, or any other benefit provided by the Seller.