Acceptable Use Policy

1. General Rules

The Seller and its users must use the Service lawfully, ethically and in a manner that does not endanger the Service, its users, buyers or third parties. Because Lernaura acts as the Merchant of Record and is the legal seller of record to the buyer, the Seller's compliance with this AUP is essential to Lernaura's regulatory, payment-network and tax obligations. Without limiting the general rule, the Seller and its users must not engage in any of the activities described below.

2. Prohibited Content and Activities

2.1 Illegal or infringing activity

• Using the Service in violation of applicable law, including consumer-protection, anti-fraud, anti-money-laundering, counter-terrorist-financing, sanctions, export-control and tax law.
• Selling goods or services that are unlawful in the buyer's jurisdiction or in any jurisdiction in which Lernaura is required to remit tax.
• Uploading, storing, transmitting or processing content that infringes a third party's intellectual property, privacy, publicity or other rights.
• Processing personal data without the legal basis or consents required under applicable data-protection law.

2.2 Harmful, offensive or deceptive content

• Content that is threatening, abusive, harassing, defamatory or that promotes hate speech, discrimination or violence.
• Child sexual abuse material or any content that sexualises, exploits or endangers minors.
• Deceptive, fraudulent or misleading content, including deepfakes, impersonation and false claims about the seller, the product or its origin.
• Content that misrepresents who is responsible for the sale, the seller's identity, the product's nature, price, taxes, refund terms or delivery terms.

2.3 Restricted and prohibited business categories

The Service may not be used to sell, promote, distribute or process payments for the following categories of products or services. Lernaura may, in its sole discretion, expand, narrow or otherwise modify this list, including by reference to a separate Restricted Business Categories list published on the Lernaura website (www.lernaura.eu/compliance/restricted-businesses).

• Goods or services that are illegal in the seller's, the buyer's or Lernaura's jurisdiction.
• Sanctioned persons, entities, regions and dual-use or export-controlled goods.
• Firearms, weapons, ammunition and weapon parts; explosives; controlled substances; cannabis, tobacco and nicotine products where prohibited.
• Pornography and adult-only content; escort or sexual services; "high-risk" or otherwise card-scheme-restricted adult categories.
• Gambling, betting, lotteries, sweepstakes and skill-gaming where regulated, unless expressly approved in writing by Lernaura and operated under the necessary licences.
• Regulated financial services, securities, crypto-asset exchanges, cash-equivalent instruments, money-services-business activity and unlicensed payment, lending or investment products.
• Multi-level-marketing, pyramid or Ponzi schemes; "get rich quick" or chain-letter schemes; sales of leads or shell-company services.
• Counterfeit, replica or unauthorised-resale goods; stolen property; goods or services that infringe third-party rights.
• Pharmaceuticals, prescription products, medical devices and health products in jurisdictions where their sale is regulated, unless expressly approved in writing by Lernaura.
• "Transaction laundering," factoring or aggregation of third-party transactions; processing payments on behalf of any party other than the Seller named on the Services Agreement.

2.4 Security and integrity

• Attempting to gain unauthorised access to the Service, other sellers' or buyers' data, or any related system or network.
• Probing, scanning, penetration testing or vulnerability assessment of the Service without Lernaura's prior written consent.
• Distributing malware, viruses, ransomware, worms or any code intended to disrupt, damage or gain unauthorised access.
• Circumventing or disabling authentication, access controls, usage limits, rate limits or licence enforcement.
• Reverse engineering, decompiling or disassembling the Service, except to the limited extent permitted by mandatory law and only after giving Lernaura a reasonable opportunity to provide the necessary information.

2.5 Service abuse

• Interfering with, overloading or disrupting the Service (including through denial-of-service attacks, excessive automated requests or unnecessary polling).
• Using automated means to access the Service in a way that exceeds normal human use or documented API limits.
• Reselling, sublicensing, leasing or providing the Service to third parties outside the scope of the Seller's Order Form.
• Using the Service to build a competing product or to benchmark the Service without Lernaura's prior written consent.
• Removing, altering or obscuring proprietary notices or branding, including required Lernaura branding on receipts, invoices and checkout pages.

2.6 Communications

• Sending unsolicited bulk or commercial messages (spam) through the Service.
• Phishing, credential harvesting or other deceptive communications.
• Transmitting communications in breach of the Danish Marketing Practices Act (Markedsføringsloven), the ePrivacy rules or applicable foreign equivalents.

2.7 Payment, fraud and chargeback abuse

• Processing transactions that are fraudulent, unauthorised or associated with money laundering, terrorist financing or sanctions evasion.
• Submitting test, fake or self-funded transactions through the live Service, or otherwise inflating sales volumes.
• Encouraging or coordinating chargebacks, "friendly fraud," chargeback gaming or chargeback-mitigation tactics that mislead buyers, issuing banks or card networks.
• Refusing to honour the Seller's stated refund, cancellation or delivery terms, or making such terms misleading or impossible to comply with.
• Processing transactions for goods or services that the Seller is not lawfully entitled to sell, or for categories of business prohibited by the relevant payment service provider, acquiring bank or card scheme.
• Using the Service in a manner that violates PCI-DSS requirements applicable to the Seller's role in the payment flow, or any obligation imposed by a payment service provider, acquirer or card scheme.
• Avoiding or attempting to avoid Lernaura's tax determination, invoicing, fraud-screening or KYC/KYB controls.

2.8 Tax and regulatory compliance

• Misrepresenting the seller's identity, the buyer's location, the product's nature or price, or the country of supply, in a way that affects tax determination, customs declarations or regulatory reporting.
• Splitting, structuring or otherwise arranging transactions to circumvent applicable VAT, GST or sales-tax thresholds, registration obligations or reporting obligations.
• Failing to provide accurate KYC/KYB information, beneficial-ownership information, tax-residency information or supporting documentation requested by Lernaura.

2.9 Buyer protection

• Failing to deliver products or services for which payment has been collected, within the timeframe stated at checkout.
• Withholding refunds, cancellations or other remedies that are required under applicable consumer-protection law (including, where applicable, the EU Consumer Rights Directive and the Danish Consumer Contracts Act / Forbrugeraftaleloven).
• Engaging in dark patterns, drip pricing, hidden subscription terms or other practices that mislead buyers about the terms of the sale.

2.10 Integration, data and AI misuse

• Integrating the Service with external systems in a way that introduces vulnerabilities or exposes buyer, seller or platform data beyond its intended scope.
• Using data retrieved from the Service for purposes incompatible with the purpose for which it was collected, or sharing it with third parties without a lawful basis.
• Using the Service to train machine-learning or AI models on data that does not belong to the Seller, without the necessary rights.

3. Fair Use

Where the Service is offered with unlimited or high-volume entitlements (e.g., users, transactions, API calls, storage, refunds, dispute responses), use must remain within patterns reasonably typical of similar businesses of comparable size. Lernaura may contact the Seller to discuss usage that materially exceeds such patterns or that affects the stability, security or cost of the Service.

4. Seller Responsibility

The Seller is responsible for (i) the conduct of its users and any third parties it permits to access the Service; (ii) all content, products, services and data offered through, or submitted to, the Service through its account; (iii) the accuracy of product descriptions, pricing, tax classification, country-of-supply information, refund and delivery terms, and KYC/KYB information; and (iv) promptly addressing any violation of this AUP by its users or any third party using its credentials.

5. Reporting Violations

Suspected violations of this AUP — including suspected fraud, prohibited content or unsafe products — should be reported to abuse@lernaura.eu. Reports of intellectual-property infringement should be sent to legal@lernaura.eu. Lernaura will investigate credible reports and take appropriate action, including, where required, reporting to competent authorities.

6. Enforcement

If Lernaura reasonably determines that the Seller or a user has violated this AUP, Lernaura may take any one or more of the following actions:

• (i)request that the Seller remedy the violation;
• (ii)remove or disable access to violating content, products or configurations;
• (iii)decline, reverse, hold or refund individual transactions;
• (iv)place the Seller's account in a higher-risk tier or apply additional verification, fraud screening or holdback against payouts;
• (v)suspend the Service in whole or in part in accordance with the Services Agreement;
• (vi)withhold or delay payouts to the extent necessary to manage chargeback, refund, tax or regulatory exposure arising from the violation;
• (vii)terminate the Services Agreement in accordance with its terms; and/or
• (viii)report the violation to competent authorities, payment service providers, acquirers, card networks or other affected third parties where required by law, by card-scheme rules or to protect Lernaura, buyers or other sellers.

Lernaura will, where practicable, give notice and an opportunity to cure before taking enforcement action, but may act without prior notice where the violation poses an imminent risk to the Service, other sellers or buyers, payment networks or third parties, or where required by law, regulator or payment-network rule.

7. Changes to this AUP

Lernaura may update this AUP from time to time, including to reflect changes in law, payment-network rules or the Restricted Business Categories list. Material changes will be notified in accordance with the Services Agreement.