1. Ethical Business Practices

All merchants using SRCheckFlow agree to conduct business ethically and in accordance with all applicable laws and regulations. Merchants must:

• Operate their business in compliance with federal, state, and local laws
• Provide accurate and truthful information in all transactions
• Treat customers with respect and fairness
• Maintain transparent business practices
• Disclose all material terms and conditions to customers

2. Authorization and Consent

Merchants must obtain proper written authorization from customers before initiating any eCheck transactions. Authorization must:

• Be in writing or via electronic signature
• Clearly specify the amount, payee, and transaction purpose
• Be obtained before the eCheck is submitted
• Be retained for audit and verification purposes
• Include confirmation that the customer understands the transaction

3. Prohibited Activities

Merchants agree NOT to engage in the following activities:

• Fraudulent transactions or misrepresentation of goods/services
• Processing eChecks without proper customer authorization
• Duplicate transactions or repeated billing without consent
• Using customer banking information for unauthorized purposes
• Engaging in money laundering or financing of illegal activities
• Processing transactions related to illegal products or services
• Harassment, abuse, or coercion of customers
• Manipulation of transaction records or falsification of documents

4. Customer Data Protection

Merchants must protect customer financial information and comply with:

• PCI-DSS requirements for payment card security
• Privacy laws and regulations
• Data retention policies
• Secure disposal of customer information
• Limitations on sharing customer data with third parties

5. Dispute Resolution

In case of disputes:

• Merchants agree to work cooperatively with customers to resolve disputes
• Merchants must respond to customer inquiries within 10 business days
• Merchants accept responsibility for transaction accuracy
• Merchants agree to follow ACH dispute procedures
• Merchants must maintain records to support transactions

6. Compliance and Auditing

Merchants agree to:

• Allow SRCheckFlow to audit transactions and records as necessary
• Maintain accurate transaction documentation
• Report suspicious activities or potential fraud
• Comply with regulatory inquiries and audits
• Provide requested documentation within specified timeframes

7. Consequences of Violation

Merchants in violation of this Code of Conduct may face:

• Suspension of account privileges
• Termination of merchant agreement
• Forfeiture of funds or chargebacks
• Referral to law enforcement if illegal activity is involved
• Liability for damages caused by violations

Contact Information

For questions about our Merchant Code of Conduct:

Email: compliance@srcheckflow.com
Phone: +1-800-982-9999