PAYPAL ZETTLE TERMS AND CONDITIONS

These PayPal Zettle Terms and Conditions, including the terms, policies, guidelines, and instructions referred to herein (“Terms”), comprise an agreement between PayPal Inc. (“PayPal”, “we”, “our”, or “us”) and you, the company, or other business entity (“Merchant”, “you”, or “your”), and govern your access to and use of the PayPal Zettle payment processing services (the “PayPal Zettle Services”).

By signing up for and using the PayPal Zettle Services, you accept and agree to comply with these Terms. If you do not agree to these Terms, you are not permitted to access or use the PayPal Zettle Services.

These Terms, along with the PayPal User Agreement and any other applicable agreement you have entered into with PayPal for the use of the PayPal Zettle Services, including but not limited to the PayPal Zettle Hardware and Delivery Terms (collectively “PayPal Agreements”), apply to your use of the PayPal Zettle Services, and as such, the PayPal Agreements shall be deemed an integral part of these Terms. The PayPal services, as described in the PayPal User Agreement, include the PayPal Zettle Services, except that any pricing generally applicable to those services shall not apply to the PayPal Zettle Services unless expressly agreed to by PayPal. In the event of any inconsistency between the terms of the PayPal User Agreement, or other agreement you have entered into with PayPal, and these Terms, these Terms shall prevail on the subject matter of these Terms.

Defined terms used in these Terms will have the same meaning as those used in the PayPal User Agreement, unless otherwise defined herein.

We facilitate the processing of payment transactions and, in order for us to do this, we have partnered with acquiring banks (“Acquirers”).

In addition to these Terms and any applicable laws, rules, or regulations, the PayPal Zettle Services are also governed by the requirements and guidelines established by our Acquirers as well as the requirements and guidelines (together, the “Card Scheme Rules”) established by Visa, MasterCard, American Express, and other applicable card schemes (together, the “Card Schemes”).

For the purposes of these Terms, “PayPal business account” shall have the same meaning as set forth in the PayPal User Agreement. Any terms and conditions in the PayPal User Agreement that pertain to a PayPal business account shall also be deemed to extend to your PayPal Zettle Account (as defined below), unless otherwise set forth herein.

PART 1 – ACCESS TO AND USE OF THE PAYPAL ZETTLE SERVICES

In addition to opening and maintaining a PayPal business account, you must accept these Terms and open a specific PayPal Zettle account (“PayPal Zettle Account”) in order to access the PayPal Zettle Services. The PayPal Zettle Services are only available to businesses selling goods and services; it is not available for personal, family, or household purposes. You may create only one PayPal Zettle Account, unless we approve the creation of additional PayPal Zettle Accounts.

You warrant to us that: a) you are either a legal resident or citizen of the United States or a company or other business entity duly authorized to conduct business in said country, b) you will use the PayPal Zettle Services solely for the selling of goods and services for trade, business, or professional purposes in such country, c) you will not directly or indirectly use the PayPal Zettle Services in or into any other country outside the United States unless otherwise agreed with us, and d) you, as a natural person, are at least 18 years old and have full legal capacity to accept and perform under these Terms and use of the PayPal Zettle Services in the manner prescribed by us. If you sign up on behalf of a company or under a business name, you represent that you are a legal representative of the business, and that you are authorized to provide any information about the business and accept these Terms on its behalf. If you sign up as a sole proprietor, you represent that you are not acting on behalf of, or for the benefit of, anyone else.

Through your PayPal Zettle Account settings, you may create sub-accounts and authorize your employees and other eligible representatives (each, an “Authorized User”) to use such sub-accounts to use the PayPal Zettle Services on your behalf for your business. You must register each Authorized User with us and create a username and password for each Authorized User to be able to use the PayPal Zettle Services. We reserve the right to limit the number of Authorized Users you may have or refuse the registration of an Authorized User. Your Authorized Users will have the ability to perform those limited actions that you select in your PayPal Zettle Account settings.

It is your responsibility to ensure that your Authorized Users comply with these Terms when using the PayPal Zettle Services. We reserve the right to deny any Authorized User access to the PayPal Zettle Services at any time. In addition to the terms set out in the PayPal User Agreement, you agree that you are at all times liable for the actions or omissions of your Authorized Users and that you will indemnify and hold us harmless from any actions or omissions of your Authorized Users in connection with their use or misuse of the PayPal Zettle Services.

The PayPal Zettle Services will enable you to accept and process payments from your customers (a) by Card (as defined below) or by using their smartphone, tablet, or other compatible mobile device which enables them to make contactless smartphone/device transactions through the use of the App installed on the Terminal (as defined below) or on your smartphone, tablet, or other compatible mobile device connected to your Reader (as defined below), (b) on a compatible mobile device that allows you to receive contactless payments directly in the App (“Tap to Pay Service”) and (c) by redeeming gift cards issued by you using our gift card service (the “PayPal Zettle Gift Card Service”).

In providing the PayPal Zettle Services, we will facilitate the processing of payment transactions carried out through the use of the PayPal Zettle Services on your behalf, credit the funds received by us from such transactions on your PayPal Zettle Account, and settle such funds (less our Fees, Chargebacks, reversals, claims, and other funds owed to us or another company within the PayPal Group) to your PayPal business account in accordance with these Terms.

You authorize and instruct us to receive, hold, and disburse funds in accordance with these Terms on your behalf. This authorization and instruction will remain in full force and effect until your PayPal Zettle Account is closed or terminated.

You represent and warrant to us that each transaction that you process using the PayPal Zettle Services is solely in payment for your provision of bona fide goods and/or services, other than money transmission services, to your customers (each, a “Payor”). To the extent any transaction funds are received by us from your Payors, you hereby designate us, and we hereby agree to serve, as your limited agent for the sole purpose of receiving and processing such payments on your behalf. You agree that upon us receiving payment from your Payor: (a) you shall be deemed to have received payment from your Payor, (b) your Payor’s obligation to you in connection with such payment shall be satisfied in full, (c) any claim you have for such payment against your Payor shall be extinguished, and (d) you are obligated to deliver the applicable goods and/or services to your Payor, in each case regardless of whether or when we remit such payment to you.

You shall identify to your Payors that PayPal is acting as your agent for purposes of receiving payment on your behalf. Further, you represent and warrant to PayPal that for each transaction that you process using the PayPal Zettle Services, promptly upon payment by your Payor, you will provide a dated receipt which shall constitute a record of your acceptance of the Payor’s payment and the satisfaction of the Payor’s obligation to you in the amount stated on the receipt. Customers may receive an electronic receipt via email or SMS, rather than a paper receipt. You agree that the receipts will satisfy all applicable regulatory and Card Scheme Rules requirements, and that upon PayPal’s request, you will provide to PayPal copies of any such previously issued receipts. You further agree that you will hold out PayPal to your Payors as your agent for purposes of accepting payments on your behalf, including in response to any Payor inquiry as to PayPal’s role with respect to a transaction or other reference to PayPal in connection with a transaction. You agree that the transaction reports provided by PayPal to you constitute a receipt evidencing your Payor transactions.

This section states the entirety of PayPal’s duties as your agent for receipt of payments, and no other duties shall be implied by PayPal’s undertaking to act in that capacity. This section does not limit in any way PayPal’s rights against you or any funds held by PayPal, including any right of setoff or security interest in such funds. In accordance with these Terms, we will remit to you, or apply as an offset to any obligation you may have to us, any payments we receive on your behalf.

You agree that you will comply with the Card Scheme Rules, which can be found here and here. The Card Scheme Rules have precedence over these Terms with regards to the relevant payment method.

We may revise these Terms from time to time. The revised version will be effective at the time we post it unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the Policy updates page of our website and provide you with the same length of advance notice as set forth in the PayPal User Agreement. By continuing to use the PayPal Zettle Services after any changes to these Terms, you agree to abide and be bound by those changes. If you do not agree with any changes to these Terms, you may terminate your use of the PayPal Zettle Services before such changes become effective and/or close your PayPal Zettle account.

The purchase, delivery, and use of any PayPal Zettle-related hardware (“Hardware”), including any payment terminal device (“Terminal”) or compatible card reader device (“Reader”) will be subject to our separate PayPal Zettle Hardware and Delivery Terms. You must download and use the most recent version of the PayPal Zettle app (the “App”) that is available, including downloading and installing any updates that become available from time to time, with your Reader or Terminal or using the Tap to Pay Service.

You are responsible to contact us if you suspect that your Reader, Terminal, or any other Hardware has been tampered with or stolen.

If you use Invoicing, the Invoicing Terms and Conditions will apply.

In addition to any other obligations, requirements, restrictions, or limitations set out in these Terms, you agree that you will not: a) apply a price threshold for accepting a Card, b) apply a higher price or additional fees for the use of a Card in connection with a transaction, unless permitted to do so under any laws, rules, and regulations of your specific jurisdiction, c) carry out transactions in territories other than the United States and in currencies other than USD, d) discriminate between Cards for any reason, unless permitted to do so under any laws, rules, and regulations of your specific jurisdiction, e) submit any transaction for processing that does not arise from your sale of products or services to your customer (i.e., you may not submit any transaction for processing originating from sales or activities offered by other parties), f) submit for processing any transaction representing the refinancing of an existing obligation of a customer, g) require any customer to waive his/her right to dispute a transaction, h) require any customer to disclose his/her PIN at any point during a Card transaction, i) print data referencing any customer's PIN on any receipt where a customer uses a chip and PIN Card, or j) process one purchase of goods and/or services as several payment transactions unless otherwise authorized by us.

You may not use the PayPal Zettle Services provided to you to carry out Card transactions with your own Cards or any Cards that are issued in your name.

Unless otherwise authorized by us, you may not in any way refer to us, our Acquirers, or the Card Schemes as having endorsed your products and/or services.

The use of the PayPal Zettle Services is subject to certain limits relating to daily Card transaction volume as further specified on our Website.

The PayPal Zettle Services can be used to accept card transactions with most credit, debit, and other payment cards (each a “Card”) bearing the trademark of the Card Schemes as further specified on our Website. We may remove or add Cards we accept at any time without prior notice to you. We will only process Card transactions that have been authorized by the applicable Card Scheme or Card issuer.

You agree that you are solely responsible for verifying the identity of your customers and the eligibility of each presented Card used to purchase your products and services and for all reversed or charged back transactions, regardless of the reason for, or timing of, the reversal or chargeback as further described herein.

Provided you have a physical store, you will undertake to inform your customers of the possibility to pay by Card by displaying signage for all Card options provided by us as possible payment methods at your point of sale.

For the use of the PayPal Zettle Services you agree to pay the fees (“Fees”), assessed and calculated by us, as set out on the Fees page.

We reserve the right to amend our fees at any time in accordance with the PayPal User Agreement. Fees will be assessed at the time a transaction is processed and will be deducted from the funds received by us and credited to your PayPal business account.

You must comply with any and all instructions provided by us to you regarding the acceptance and authorization of payment transactions. You undertake to ensure that all your employees and other eligible representatives who handle payment transactions on your behalf are informed of the content of these Terms in advance.

An authorized payment transaction may not be withdrawn by you or your customer after the end of the day on which your customer authorized the transaction.

We reserve the right not to authorize or process any payment transaction that you submit through the PayPal Zettle Services that we believe may be in violation of the Terms, the PayPal User Agreement, or any applicable laws, rules or regulations or may expose you or us to harm, including but not limited to fraud or other criminal acts. You authorize us to share information with law enforcement about you, your transactions, or your use of the PayPal Zettle Services if we reasonably suspect that these have been used for unauthorized, illegal, or criminal purposes.

In addition to your obligations set out in the PayPal User Agreement, you authorize and instruct our Acquirers and us to, from time to time, retrieve information about you from, and provide information about you to, third parties, including credit reporting agencies or bureaus and other information providers, and you authorize and instruct such third parties to compile and provide such information to us.

If a customer’s Card includes an electronic chip, you must always prioritize obtaining chip and PIN authorization before obtaining a signature. Unless you are using the Tap to Pay Service, you must always prioritize processing a transaction by inserting the Card into the Reader or Terminal and obtaining the customer’s PIN or the customer’s signature when your customer’s Card is present.

You may not process a contactless transaction with a value exceeding the prevailing amount limit for that transaction set by an Acquirer, a Card Scheme, and/or us from time to time, as set out on herein.

You may use manual card entry (“Manual Card Entry”) to accept Card transactions from customers who aren’t physically present in your store. To be eligible to use Manual Card Entry, you must have connected your PayPal Zettle Account to a PayPal business account and successfully completed a Card transaction through a Reader or Terminal. To enable the use of Manual Card Entry, you must follow the instructions and comply with any requirements as determined by us, an Acquirer, or a Card Scheme. There are specific Fees associated with using Manual Card Entry to accept Card transactions, as set forth on the Fees page.

You must submit all requests for refunds for returns of your products and services through the PayPal Zettle Services in accordance with these Terms and the applicable Card Scheme Rules. All refunds related to Card transactions must be made to the customer’s Card. You undertake to: a) maintain a fair return and cancelation policy, b) disclose your return or cancelation policy to customers at the time of purchase, c) not give cash refunds to a customer in connection with a Card transaction, unless required by law, and d) not accept cash or any other item of value for preparing a Card transaction refund.

Any amount attributable to a payment transaction may be reversed or charged back to your PayPal Zettle Account (a “Chargeback”) if the transaction: a) is disputed in any way, b) is reversed for any reason by the Card Scheme, our Acquirers, the cardholder or the Card issuer, c) was not authorized or we have reason to believe that it was not authorized, and/or d) is alleged to be illegal, suspicious or in violation of these Terms.

For any payment transaction we determine may result in a Chargeback, we have the right to withhold the potential amount of the Chargeback in a reserve. We may recover the amount of any Chargeback and any associated fees, fines, and/or penalties assessed by the Card Schemes or our Acquirers from funds credited to your PayPal business account or any other funds due to you under these Terms. If we believe that a Chargeback is likely with respect to any payment transaction, we may withhold the amount of the potential Chargeback from payments due to you under these Terms until such time that: a) a Chargeback is assessed due to a customer’s complaint, in which case we will retain the funds, b) the period of time under applicable law or regulation by which the customer may dispute the transaction has expired, or c) we determine that a Chargeback on the transaction will not occur. If we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately on demand. You agree to pay all costs and expenses, including without limitation attorneys’ fees and other legal expenses, incurred by or on behalf of us in connection with the collection of all balances unpaid by you.

If we determine that you are incurring an excessive number of Chargebacks or that Chargebacks related to you are too frequent, we may establish controls or conditions governing your PayPal Zettle Account, including without limitation: a) creating a reserve in an amount reasonably determined by us to cover anticipated Chargebacks and related fees, penalties, or fines, b) suspending your access to and use of the PayPal Zettle Services, and/or c) terminating and closing your PayPal Zettle Account and your PayPal business account.

You agree to assist us when requested, at your expense, to investigate any transaction processed through the PayPal Zettle Services. You further agree that we may share information about a Chargeback with your customer, the customer’s financial institution, and your financial institution in order to investigate and/or mediate a Chargeback. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary information and documentation within ten days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.

The PayPal Privacy Statement and the “Your use (as a seller) of personal data; Data protection laws” provision of the PayPal User Agreement apply to your use of the PayPal Zettle Services.

You acknowledge that we are required to report your business name and the name of your beneficial owners and/or principals to the MATCH listing maintained by MasterCard and accessed and updated by American Express, the VMAS database upheld by Visa, if applicable, pursuant to the requirements of the Card Scheme Rules. You acknowledge that we must fulfil the obligations related to such listing and reporting, and you waive and agree to hold us harmless from all claims and liabilities you may have as a result of such listing and reporting.

We are responsible for protecting the security of Card information in our possession. We have implemented administrative, technical, and organizational procedures to protect Card information that is stored in our servers from unauthorized access and accidental loss, modification, or disclosure.

You are fully responsible for the security of data in your possession or control as a result of using the PayPal Zettle Services. You shall comply with all applicable laws pertaining to the privacy, secrecy, confidentiality, collection, usage, sharing, security, protection, disposal, or international transfer, of any personal, financial, Card, or transaction information (“Data”), including laws applicable to direct marketing, telemarketing, and unsolicited e-mails or text messages.

In particular, you are solely responsible for ensuring that each of your Payors has agreed to the handling, collection and storing of their contact details as well as your subsequent marketing activities, including sending digital receipts, per email or text message (as applicable). You must inform each Payor that you will use the App to send such marketing messages based on the data they provide. By using the PayPal Zettle Services, you represent that the emails or phone numbers you use to contact your Payors are provided to you and authorized by each Payor, and that your use of the PayPal Zettle Services to contact your Payors complies with applicable laws and regulations, as well as your privacy policy.

You agree that at all times you shall be compliant with the Payment Card Industry Data Security Standards (PCI DSS) and the Payment Application Data Security Standards (PA DSS), as applicable, and refrain from any actions which may lead to us to fail to comply with such standards.

If we believe that a security breach or compromise of Data has occurred, we may require you to have a third-party auditor approved by us conduct a security audit of your systems and facilities.

By accepting these Terms, you agree that you will comply with the PayPal User Agreement, including but not limited to our Acceptable Use Policy and Electronic Communication Delivery Policy.

You warrant to us that: a) the name identified by you when you registered is your name or business name under which you sell products and/or services, b) you and your use of the PayPal Zettle Services will comply with all laws, rules, and regulations applicable to your business, c) you will fulfil all of your obligations to each customer on behalf of whom you submit a payment transaction and will resolve any customer dispute or complaint directly with the customer, and d) except in the ordinary course of business, no payment transaction submitted by you through the PayPal Zettle Services will represent a sale to any principal, partner, proprietor, or owner of your business.

Through your PayPal Zettle Account settings, you may give, remove and manage authorizations for certain third-party service providers (“Partners”) to take certain actions on your behalf by connecting to your PayPal Zettle Account, such as to access and retrieve your PayPal Zettle Account data. By authorizing a third-party software application (a “Partner App”) to connect to your PayPal Zettle Account you are authorizing and instructing us to permit the Partner App to take such actions as are permitted by your authorizations. A Partner App, once authorized, will continue to have access to your PayPal Zettle Account and be authorized to take such actions as are permitted by your authorizations until you actively withdraw your authorization by changing the settings in your PayPal Zettle Account. You acknowledge that the access to your PayPal Zettle Account data by a Partner and the use of any service of a Partner is governed solely by the terms and conditions and policies of such Partner. You are solely responsible for your access to and use of Partner Apps and you are therefore advised to carefully read any terms and conditions and policies concerning your access to and use of Partner Apps.

Notwithstanding the above or any other provision of these Terms and in addition to what is set out in the PayPal User Agreement, you agree to defend, indemnify, and hold us, our Acquirers, the Card Schemes, and each of our respective directors, agents, affiliates, and representatives harmless from and against any claim (including all third-party claims), cost, suit, demand, loss, liability, damage, action, proceeding judgment, penalty, interest, and expense (including without limitation reasonable attorneys’ fees) arising out of or relating to: a) any actual or alleged breach by you of any provision of these Terms, the Card Scheme Rules, and/or applicable law, and b) any payment transaction submitted by you through the PayPal Zettle Services.

We are liable to ensure that funds credited to your PayPal Zettle Account are paid out to your PayPal business account, provided that we have received such funds from the relevant Card Scheme, Acquirer, or third-party financial institution.

If an authorized payment transaction is not executed properly or not executed at all, we will, upon your request, use reasonable endeavors to trace the transaction and attempt to rectify any errors that you or we discover and notify you of the result. We will only attempt to correct transactions that you process incorrectly if you notify us of such error without undue delay and no later than 60 days of when the error first appeared on your electronic transaction history.

American Express may use the information obtained in your application at the time of setup to screen and/or monitor you in connection with American Express Card marketing and administrative purposes.

You may be converted from these Terms to a direct card acceptance agreement with American Express if you reach certain monthly sales volumes. Upon conversion, (i) you will be bound by American Express’ then-current Card Acceptance Agreement; and (ii) American Express will set your pricing and other fees for American Express Card acceptance.

By accepting these Terms, you agree to receive commercial marketing communications from American Express. You may opt out by contacting PayPal at (888) 221-1161.

American Express shall be a third-party beneficiary of these Terms for purposes of American Express Card acceptance. As a third-party beneficiary, American Express shall have the right to enforce directly against you these Terms, as related to American Express Card acceptance. You acknowledge and agree that American Express shall have no responsibility or liability with regard to PayPal’s obligations to you under these Terms.

The American Express Merchant Operating Guide, which is incorporated herein by this reference, sets forth policies and procedures governing your acceptance of the American Express Card and can be accessed here: www.americanexpress.com/Merchantopguide.

You may terminate your acceptance of American Express at any time upon notice.

In addition to what is stated in the PayPal User Agreement, we may terminate these Terms or your use of all or part of the PayPal Zettle Services, or suspend or close your PayPal Zettle Account and PayPal business account, without prior notice to you: a) upon request of a Card Scheme or an Acquirer, b) if our agreement with an Acquirer or Card Scheme expires or terminates for any reason, c) if we are de-registered as a payment facilitator by a Card Scheme or an Acquirer, d) if, in our reasonable opinion, your activities or actions are damaging or may damage our image or reputation or the image or reputation of a Card Scheme or an Acquirer, e) if you have signed up for the PayPal Zettle Services as a company or other business entity and there is a change of control of such company or other business entity, f) if owners or other persons associated with you appear on European or American sanction lists (such as OFAC’s SDN list and the EU’s list of economic sanctions or list of terrorists), g) if we determine that your use of the PayPal Zettle Services carries an unacceptable amount of risk, including credit or fraud risk, or h) if your PayPal business account is closed down, either by us or by you.

The PayPal Zettle Gift Card Service provides you a platform where you can offer your customers gift cards to use in your physical store for your products and services and manage and administer the sale of gift cards. The PayPal Zettle Gift Card Service is integrated into your PayPal Zettle Account and enables you to sell, track, and redeem gift cards in your physical store. The PayPal Zettle Gift Card Service does not include the supply of physical cards or other value certificates.

You agree you are solely responsible for issuance and management of your gift cards. We assume no liability to verify or otherwise control gift cards issued by you to customers, and you are solely responsible for providing accurate descriptions, information, and content relating to gift cards issued by you under the PayPal Zettle Gift Card Service.

Gift cards issued by you must only be redeemable at your store(s) for goods and/or services provided by you at your premise(s).

Gift cards you sell to your customers shall only be redeemable for your goods and services. You agree to pay PayPal the fees on each gift card you issue as well as all other fees under these Terms. PayPal does not assess a fee to redeem a gift card for customer purchases from you, and you shall not assess or impose on your customers any fees or charges on the issuance, maintenance, or redemption of gift cards. You may not issue a gift card with a value less than $1 or in a value in excess of $100 or add value to a previously issued gift card so that the total funds loaded on a gift card in any single day exceed $100. Further, you may not issue more than $10,000 in gift cards to any single person in any one day. You may not impose an expiration date on gift cards and any unused balance of a gift card must remain available to the holder of the gift card until fully redeemed, even if your PayPal Zettle Account is closed, suspended, or terminated.

You may not provide a cash refund on gift cards except to the extent required by law. You may not redeem a previously issued gift card with another gift card. If a purchase exceeds the holder’s gift card balance, the holder must pay the remaining amount with another payment method. You agree any liability for the use or misuse of your gift cards, and any third-party claims arising from or relating to your gift cards, are your sole responsibility.

You may only accept payment of gift cards through such payment methods offered by us from time to time in your jurisdiction, such as Card payments or cash.

You are responsible for providing information to your customers about the terms in these Terms applying to issued gift cards, for example that you may not provide a cash refund, that amount thresholds apply and that there are only certain payment methods that are accepted.

You are solely responsible for compliance with laws and regulations that apply to your gift cards, including but not limited to notice and disclosure requirements, expiration dates and fees, refunds, unclaimed property or escheat requirements, including to tracking, reporting, and remittance of unclaimed property balances in all states, and customer service for customers and gift card holders. You are also responsible for providing customer services for buyers and holders of gift cards.

The PayPal Zettle Customers feature (the “Feature”) provides you with the ability to collect your customers’ data, get insights about your customers, and send your customers marketing communications.

By using the Feature, you agree that: a) you are responsible for obtaining customer consent to collect your customers’ information for marketing purposes, including by email, phone, or text messages, and you are required to turn your device to your customer to obtain this consent; b) you will only collect data from customers who are thirteen (13) years or older; c) you will respect all opt out requests from your customers, and you will not use the Feature to contact them if they remove their names from the Feature; d) you are responsible for providing your privacy policy to your customers; and e) your use of the Feature will be in accordance with applicable laws, rules, and regulations.