PRIVACY AND TERMS OF USE

PRIVACY POLICY

Effective Date: 2/13/2025

1. Introduction ABKA SARL ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal data of our users, clients, and partners. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our services, including:

• Our e-commerce marketplace platform (e-mall247.com)
• ERP onboarding and support using Odoo
• Digital marketing services for online businesses

By accessing or using our services, you agree to the terms of this Privacy Policy.

2. Information We Collect We collect the following types of information:

(a) Personal Information – Name, email address, phone number, billing details, business information, etc. (b) Account Information – Login credentials, profile information, and user preferences. (c) Transaction Data – Payments, invoices, and purchase history. (d) Usage Data – Browsing behavior, cookies, and analytics from our platforms. (e) Communication Data – Emails, support tickets, and customer service interactions.

3. How We Use Your Information We use the collected data to:

• Provide and manage our services.
• Process payments and manage subscriptions.
• Enhance user experience and improve service offerings.
• Comply with legal obligations.
• Conduct marketing, promotions, and customer outreach.
• Prevent fraud and security threats.

4. Data Sharing and Disclosure We may share data with third parties under the following circumstances:

• Service Providers: Payment processors, hosting providers, analytics services.
• Legal Compliance: When required by law or in response to legal requests.
• Business Transactions: In case of mergers, acquisitions, or business restructuring.

5. Data Security We implement industry-standard security measures to protect user data from unauthorized access, alteration, or disclosure.

6. Your Rights You have the right to:

• Access, update, or delete your personal information.
• Opt out of marketing communications.
• Request a copy of your data.
• Withdraw consent for data processing.

For requests, contact us at support@abkasarl.com.

7. Cookies and Tracking Technologies We use cookies to improve user experience. Users can manage cookie preferences via browser settings.

8. Updates to this Privacy Policy We may update this policy from time to time. Changes will be posted on our website.

9. Contact Us For privacy-related inquiries, contact us at support@abkasarl.com.

Our company specializes in consulting, product development, and customer support. We tailor our services to fit the unique needs of businesses across various sectors, helping them grow and succeed in a competitive market.

TERMS OF USE

Effective Date: 2/13/2024

1. Introduction These Terms of Use ("Terms") govern your access and use of the services provided by ABKA SARL, including our e-commerce marketplace (e-mall247.com), ERP onboarding and support, and digital marketing services. By using our services, you agree to comply with these Terms.

2. Eligibility To use our services, you must be at least 18 years old or have legal parental/guardian consent.

3. User Accounts

• Users must provide accurate information when registering.
• Account security is the user’s responsibility.
• We reserve the right to suspend accounts for any violations.

4. Service Use Restrictions Users shall not:

• Engage in fraudulent, unlawful, or abusive activities.
• Use our services for unauthorized reselling or commercial exploitation.
• Violate intellectual property rights.

5. Payment and Subscription Terms

• Payments for services are due as per agreed pricing.
• No refunds for services rendered unless otherwise specified.
• We reserve the right to update pricing with notice.

6. Intellectual Property All content, trademarks, and services are owned by ABKA SARL. Unauthorized use or reproduction is prohibited.

7. Termination of Services We reserve the right to suspend or terminate access to our services for violations of these Terms.

8. Limitation of Liability ABKA SARL is not liable for indirect or consequential damages resulting from the use of our services.

9. Governing Law These Terms are governed by the laws of Cote d'Ivoire.

10. Contact Information For questions regarding these Terms, /contactus-thank-youcontact us at support@abkasarl.com.

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for Companies

We are a team of passionate people whose goal is to improve everyone's life.

Our services are designed for small to medium size companies.

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Prohibited and Restricted Businesses

Last updated: November 2024

ABKA SARL require sellers to fully comply with our payment partners requirements. Our payment partners are Stripe and PayPal.

How to use this service

This page provides information on the types of businesses, products, and industries that can’t use ABKA SARL ’s services. To use ABKA SARL ’s services, you must remain compliant with these rules and restrictions. For more information about why we can’t work with every business, please see this terms  about our business limitations.

High risk jurisdictions and persons

Use of ABKA SARL 's services for any dealings, engagement, or sale of goods or services either directly or indirectly with the following are prohibited:

High-risk jurisdictions

Persons located in, resident in, or a citizen of, or products or services originating from jurisdictions that ABKA SARL  has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, including, Cuba, Iran, North Korea, and Syria, and the Crimea, Donetsk, and Luhansk regions.

High-risk persons

Persons ABKA SARL  has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, such as those individuals or entities named to a restricted person or party list of, or otherwise restricted by, the United States, United Kingdom, European Union, or United Nations, including the sanctions maintained by the US Office of Foreign Assets Control or the Denied Persons List or Entity List maintained by the US Department of Commerce.

Additionally, it’s prohibited to use ABKA SARL 's products and services to directly or indirectly:

Prohibited services

Export, re-export, sell, or supply accounting services; trust and corporate formation services; management consulting services; architecture services; engineering services; quantum computing services; information technology (IT) consultancy and design services; and IT-support services and cloud-based services for enterprise management software and design and manufacturing software to any person located in Russia. In the European Union and the United Kingdom, it is prohibited to use ABKA SARL ’s products and services, directly or indirectly, to provide credit-rating services, market research and public relations services, advertising services, auditing services, or legal advisory services to any person located in Russia.

Prohibited goods

Deal in any goods prohibited by law for export to or import from Russia (for example, luxury goods, sensitive goods included in the Common High Priority Items List, enterprise management software and design software).

Prohibited businesses

You must not use ABKA SARL ’s services for any illegal activities or for the businesses or product types listed below. The types of businesses listed here are representative of prohibited categories, but this is not an exhaustive list.

Any illegal products and services

• Illegal drugs, substances designed to mimic illegal drugs, including kava
• Equipment and items intended to be used for making or using drugs
• Fake references or ID-providing services
• Telecommunications manipulation equipment, including jamming devices
• Businesses that engage in, encourage, promote, or celebrate unlawful violence or physical harm to persons or property
• Businesses that engage in, encourage, promote, or celebrate unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
• Any other products or services that are in violation of law in the jurisdictions where your business is located or to which your business is targeted

Adult content and services (see the FAQs for additional details)

• Adult services, including prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live-chat features
• Adult video stores
• Gentleman's clubs, topless bars, and strip clubs
• All online dating services, including matchmakers
• Pornography and other mature audience content (including literature, imagery, and other media) depicting nudity or explicit sexual acts
• Any artificial intelligence generated content that meets the above criteria

Debt relief companies

• Debt settlement, debt negotiation, and debt consolidation

The following financial products and services

• ATMs 
• Check cashing
• Debt collection agencies
• Funded prop trading
• Money orders and traveler’s checks 
• Payable-through accounts
• Peer-to-peer money transmission
• Selling bearer shares
• Shell banks

Gambling

• Games of chance including gambling, internet gambling, casino games, sweepstakes and contests, and fantasy sports leagues with a monetary or material prize
• Games of skill including video game and mobile game tournaments or competitions, darts, card games, and board games with a monetary or material prize
• Payments of an entry or player fee that promise the entrant or player will win a prize of value
• Sports forecasting or odds-making with a monetary or material prize
• Lotteries
• Bidding fee auctions

Government services

• Offering products and services by or on behalf of embassies and consulates
• Offering government services without authorization or value-add 
• Offering government services with misleading claims
• Disbursement of government economic support, such as grants

Identity services

• Identity theft protection, services including monitoring and recovery

Products and services that infringe on intellectual property rights

• Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorization
• Counterfeit goods
• Illegally imported or exported products
• Unauthorized sale of brand-name or designer products or services
• Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary, or privacy rights of any third party

The following legal services

• Bankruptcy attorneys
• Bail bonds
• Law firms collecting funds for purposes other than legal service fee payment

Lending and credit

• Loan repayments with credit cards
• Credit monitoring, credit repair, and counseling services

Marijuana (see the FAQs for additional details)

• Cannabis products 
• Cannabis dispensaries and related businesses
• CBD products with THC levels greater than the applicable local jurisdiction’s legal limit, including CBD edibles
• Hydroponic equipment and other cultivation or production equipment marketed for growing marijuana
• Courses and information on cultivating marijuana

Nutraceuticals and pseudo-pharmaceuticals

• Pseudo-pharmaceuticals or nutraceuticals that are not safe or make harmful claims

Non-fiat currency 

• Cryptocurrency mining and staking
• Initial coin offerings (ICOs)
• Secondary NFT sales

Travel

• Commercial airlines and cruises
• Charter and private airlines
• Timeshare services

Unfair, deceptive, or abusive acts or practices (acts or practices that contravene rules, laws, regulations, or guidance prescribed by the Federal Trade Commission, Consumer Financial Protection Bureau, or other local consumer regulatory bodies) 

• Pyramid schemes
• Multilevel marketing services offering commission or recruitment-based sales
• “Get rich quick” schemes, including investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up-front work; and sites that promise fast and easy money
• Businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, or use fake testimonials (with or without a written contract) 
• Businesses offering unrealistic incentives or rewards as an inducement to purchase products or services 
• No-value-added services, including the sale or resale of a service without added benefit to the buyer and resale of government offerings without authorization or added value
• Sales of online traffic or engagement
• Negative option marketing, negative option membership clubs, and reduced price trials with unclear or hidden pricing 
• Telemarketing
• Predatory mortgage consulting 
• Predatory investment opportunities with no or low money down
• Suspicious remote technical support
• Door-to-door sales
• Document falsification services
• Any other businesses that ABKA SARL  considers unfair, deceptive, or predatory towards consumers

Weapons, firearms, explosives, and dangerous materials

• Guns, gunpowders, ammunitions, fireworks, and other explosives
• Weapon components such as firing pins, magazines, clips, and firearm conversion kits and any 3D-printed weapons
• Improperly marked replicas of modern firearms, including toys
• Pepper spray and stun guns
• Swords and katanas, unless they are meant as replicas or for the practice of martial arts
• Machetes
• Disguised knives and knives with opening mechanisms designed for quick deployment of a blade
• Pesticides requiring application by a certified professional 
• Research chemicals 
• Toxic, flammable, combustible, or radioactive materials
• Unmailable goods, per the United States Postal Service

Restricted businesses

Businesses in these categories require additional due diligence by ABKA SARL  in order to confirm our ability to support them. When you create your ABKA SARL  account, you will be asked to provide additional information (such as proof of relevant licenses or more details about your business model) to confirm your eligibility to use ABKA SARL . Due to card network rules, requirements of financial partners, and our own compliance and legal obligations, if your business falls into one of the categories below, ABKA SARL  might not be able to grant approval for your business to use our products. If we do provide approval, note that the approval is specific to each service offer, and it may be modified or revoked by ABKA SARL  at any time per the terms of the ABKA SARL  Services Agreement.

Read more about restricted businesses in our FAQs  

The types of businesses listed below are representative of our restricted businesses but not exhaustive.

Content creation platforms (see the FAQs for additional details)

Platforms that host or distribute third-party content and enable content creators to:

• Receive content-related tips and other payments in exchange for their content
• Sell exclusive content or digital goods

Note: Individual content creators on approved platforms (for example, connected accounts of an approved ABKA SARL  Connect user) and those directly distributing their own content (for example, on their own website) do not require preapproval. However, all content creators must comply with the ABKA SARL  Services Agreement and this Prohibited and Restricted Businesses list (which, for example, prohibits the sale of adult content) and are subject to monitoring by ABKA SARL  to ensure compliance.

Cyberlockers

• Cyberlocker and file-sharing services

Regulated industries

Cannabidiol (CBD) (see the FAQs for additional details)

• CBD products containing only negligible amounts of THC, per local limits

Cryptocurrency (limited availability: Contact our sales team if you would like to work with ABKA SARL .)

• Cryptocurrency (for example, Bitcoin, Ripple, Ethereum, Dogecoin, Cardano, etc.) exchanges and wallets. For crypto and NFT support and availability by region, please see crypto supportability. 

Financial products and services (limited availability: Contact our sales team if you would like to work with ABKA SARL )

• Investment and brokerage services, including real estate–based investments
• Lending services, including real estate loans
• Bank account funding
• Buy now, pay later services
• Money transmitters, remittances, currency exchange services, and other money service businesses
• Escrow services
• Neobanks or challenger banks
• Other financial services

Pharmaceuticals, medical devices, and telemedicine (see the FAQs for additional details)

• Online pharmacies, including SaaS platforms
• Card-not-present prescription-only products and pharmaceuticals
• Prescription-only and regulated medical devices
• Prescription delivery services
• Telemedicine and telehealth services

Tobacco

• Tobacco products including e-cigarettes, cigars, and e-liquid
• Herbal cigarettes
• Production equipment specifically marketed for the production of tobacco products

Non-fiat currency and stored value

• First-party non-fungible tokens (NFTs) minting and sales, including marketplaces and SaaS platforms 
• Sale of stored value or credits maintained, accepted, and issued by anyone other than the seller
• Sale of in-game currency or game items, unless the business is the operator of the virtual world
• Preloaded payment cards, gift cards, virtual credits, or other products and services in which a monetary value is stored within the item (digital or physical)

Third-party agents

• Payment facilitation and aggregation (including receiving settlement proceeds for goods or services that you did not provide, on behalf of one or multiple third-party sellers)

Businesses that might pose elevated financial risk

Travel

• Travel reservation services and clubs
• In-flight purchases

Businesses that are prone to abuse by fraudulent actors

• Crowdfunding, fundraising, and other donation-soliciting activities
• Charity sweepstakes and raffles for the explicit purpose of fundraising

To learn more about ABKA SARL ’s approach to prohibited businesses and why some businesses aren’t allowed to use ABKA SARL ’s services, you can read our support page about business limitations.

Jurisdiction-specific prohibited businesses

Prohibited uses of ABKA SARL  products

• Use of ABKA SARL  products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of the business, and any other information requested by ABKA SARL  
• • If there are any changes to your personal and business information, you must notify ABKA SARL  immediately
• Use of ABKA SARL  products to facilitate transactions on behalf of another undisclosed merchant or for products or services that weren’t disclosed in the business’s ABKA SARL  account application
• Use of ABKA SARL  principally as a virtual terminal (for example, submitting card transactions by manually inputting card information)
• Processing where there is no bona fide good or service sold, or donation accepted; card testing
• Evasion of card network chargeback monitoring programs
• Cross-border acquiring where the business address of the merchant is outside of the jurisdiction of the acquiring ABKA SARL  entity, unless permitted under the card network rules
• Sharing cardholder information with another business for payment or cross-sell products or services
• Use of ABKA SARL  intellectual property without prior written consent from ABKA SARL ; use of the ABKA SARL  name or logo including use of ABKA SARL  trade or service marks inconsistent with the ABKA SARL  Marks Usage Agreement, or in a manner that otherwise harms ABKA SARL  or the ABKA SARL  brand; any action that implies an untrue endorsement by, or affiliation, with ABKA SARL 

Prohibitions for ABKA SARL  Issuing products

You must not use ABKA SARL  Issuing for the following activities.

Consumer use

• Consumer use of ABKA SARL  Issuing is when an Issuing card is created to fully or partially enable payments for personal, family, or household use, including: 
• • Providing a payment method loaded with or that accesses consumer funds
  • Cards that disburse payroll or payouts
  • Any other uses that directly or indirectly enable payments using the consumer’s funds

International use

When you sign up for ABKA SARL  Issuing, you share with ABKA SARL  the location of your business, the physical address of your beneficial owners, and the jurisdiction in which your business is registered. ABKA SARL  requires that the physical location of your business, its jurisdiction of registration, and the physical address of at least one of your beneficial owners all match. Furthermore, you must use Issuing cards primarily in the same jurisdiction.

Lending use

You can’t use ABKA SARL  Issuing as a method to extend credit to your customers using your own funds, unless you have the appropriate licensing to do so and you have received express consent from ABKA SARL  to use Issuing for that purpose.  

Other abusive use

Any other abusive use of ABKA SARL  Issuing, including:

• Using Issuing cards to abuse free-trial products at scale
• Using Issuing cards to buy in-demand items or services with the sole intent to sell them for profit (for example, retail scalping)
• Using Issuing cards for any other illegitimate purposes

Noncompliance

As a user of ABKA SARL  Issuing, you must comply with our US compliance guidelines (or see the EU- and UK-specific guidelines) and our compliance teams might ask you to update your marketing materials or aspects of your user experience. This helps to make sure that both you and ABKA SARL  continue to comply with federal, state or any equivalent local or country-specific laws and regulations that govern the use of these financial products. Failure to comply within the requested time frames might result in the closure of your ABKA SARL  account. 

Inactivity

If there is inactivity on all cards associated with an account for a period of 12 consecutive months, ABKA SARL  automatically closes your Issuing account.

Integration type

If you plan to enable your customers to use ABKA SARL  Issuing for purposes of creating cards for your customers’ employees or contractors, you must implement ABKA SARL  Issuing on Connect (for example, if you’re a platform that wants to enable your customers to create cards for their employees to use for business travel or marketing expenses, you must create a Connect account for each of your customers). Please consult ABKA SARL  if you have any questions regarding the correct integration type for your business. 

Prohibited items

These are products that cannot be shipped via Packlink PayPal platform services due to carrier limitations, security reasons and because they require a specific type of handling:

1. Alcohol and derivatives

Any liquid containing alcohol, regardless of its alcoholic concentration.

2. Animals

Alive, dead, stuffed and any of their parts.

3. Antiques

Technological products manufactured with 20 years of antiquity. Other articles manufactured with 50 years of antiquity.

4. Art

Any work and type of art, painting or sculpture that cannot be reproduced by the artist, whose author has died, or that has an economic value of more than £700.

5. Biological samples

Organs, tissues, cells, bacteria, viruses, DNA, RNA, clinical waste, body fluids such as: blood, urine, faeces, saliva, sweat, etc.

6. Dangerous goods ADR/LQ

Perfumes, lighter, paint, chemical products, gunpowder, gas (aerosol/spray), fire extinguishers, magnets, batteries, radioactive materials, flammable, oxidizing, corrosive or adhesive substances, agricultural products, etc. More info.

7. Funerary items

Human remains, ashes, etc.

8. International restrictions

Any goods prohibited at origin or destination.

9. Jewellery

Jewels, watches, gems, precious metals, real pearls, silver, gold, etc.

10. Medicines

Any kind of medicine, regardless of its prescription.

11. Money

Including, but not limited to, cheques, coins, banknotes, collector's money, credit/debit cards, smart cards (e.g. gift card, sim card, etc.).

12. Narcotics

Narcotic and/or psychotropic substances, as well as any derived products.

13. Perishable goods

Goods that require any kind of particular and/or a specific temperature, humidity, luminosity or manipulation.

14. Plants

Plants of all species, live or dried, flowers, terrariums, etc.

15. Stamps

Any stamp or stamped document issued by a government or related official agencies. Tobacco, alcohol, state lotteries, etc.

16. Tobacco

All types of tobacco, e-cigarette included.

17. Vehicles and engine parts

Power generators or generator sets, motor vehicles of any kind, as well as their engines and their mechanical parts. More info.

18. Weapons and ammunition

Any type of weapon, ammunition, including knives and replicas (toys).

19. Liquids, aerosols and gels (LAGs)

Liquids, semi-solid products, mixtures of liquids and solids, articles with a creamy, pasty or oily consistency, or the contents of any pressurized container.