Terms of Service

Acceptance of Terms

By accessing or using the Delivery Disruptor platform (“Service”), you agree to be bound by these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree to these Terms, please do not use the Service.

Consent to SMS and Electronic Communications

By agreeing to these Terms, you expressly consent to receive SMS messages and other electronic communications regarding your orders, deliveries, account status, and promotional offers. Standard messaging rates may apply. Your continued use of our Service confirms your consent to these communications.

Merchant of Record and Legal Compliance

Delivery Disruptor acts as the merchant of record only for the delivery transactions processed through our platform. The Store from which you are purchasing goods or services is the merchant of record for the sale of those goods or services. You agree to communicate directly with the Store for refunds, disputes, or other issues related to purchased items or services. You agree to comply with all applicable federal, state, county, and local laws and regulations when using the Service. Any use of the Service that violates these laws may result in suspension or termination of your account.

Dispute Resolution

In the event of a dispute arising between you (whether you are a Customer, Driver, or Store) and any other party using the Service, the following steps outline our recommended resolution process:

Initial Contact: Attempt to resolve the dispute directly by contacting the appropriate party. For product-related issues, contact the Store. For delivery-related issues, contact the Driver or the platform.
Notify Delivery Disruptor: If a resolution cannot be reached, notify Delivery Disruptor to facilitate communication. We will review the details provided by all parties.
Internal Review: Delivery Disruptor may conduct an internal review of relevant transaction logs, messages, and other pertinent information.
Escalation: If internal resolution efforts fail, either party may seek third-party mediation, arbitration, or proceed to an appropriate judicial or small-claims court, subject to applicable laws and jurisdiction.

You agree that all disputes shall be handled in good faith and in accordance with applicable laws and regulations.

Independent Contractor Terms for Drivers

If you sign up as a Driver, you acknowledge and agree that you are an independent contractor, not an employee of Delivery Disruptor or any Store utilizing our platform. You are solely responsible for determining your work schedule, routes, and the manner in which you provide delivery services.

By offering your services through the Delivery Disruptor platform, you agree to be bound by these Terms and any Store-specific terms where applicable. You further agree that your services are provided under a contract for services, and that you bear all risks and costs associated with operating as an independent contractor, including but not limited to insurance, fuel, and vehicle maintenance.

You must comply with all applicable traffic laws, licensing requirements, and safety regulations while fulfilling any delivery. You assume full liability for any accidents, losses, or damages that occur in the course of your deliveries, except as otherwise provided by law or any separate agreement. Delivery Disruptor reserves the right to suspend or terminate your account if it determines that you have violated these Terms or any applicable law or regulation.

Sign-Up and Verification Responsibilities

In order to access certain features of the Service, you may be required to register and provide information such as your full name, valid contact information, vehicle details (for Drivers), and proof of a valid driver’s license. You agree to provide accurate and complete information, and to update this information when necessary to maintain its accuracy.

Delivery Disruptor reserves the right to verify your information at any time, including but not limited to conducting background checks, motor vehicle record checks, and identity verification procedures. You acknowledge that Delivery Disruptor may suspend or terminate your account if any information provided is found to be false, incomplete, or otherwise in violation of these Terms.

Anti-Fraud Measures and Liability

To help prevent fraud, Delivery Disruptor may employ verification methods including but not limited to identity verification, address verification, geolocation tracking, payment validation, and other fraud detection protocols. You consent to these measures and agree not to engage in fraudulent or deceptive practices while using the Service.

Any individual or entity found to be involved in fraudulent activities, including submitting false information or misrepresenting the status of a delivery or transaction, may be subject to legal action, account suspension, or termination. You acknowledge that Delivery Disruptor and any participating Store assume no liability for losses resulting from fraudulent activities beyond reasonable anti-fraud measures. You agree to indemnify and hold Delivery Disruptor and the Store harmless in the event of unauthorized or illegal activity through your account.

Negative Balance Liability Policy

You acknowledge your responsibility to manage risk and potential losses in connection with using our Service. If your account or the connected accounts you oversee fall into a negative balance, you agree to the following:

Liability for Seller Losses: You are liable for seller losses and negative balances that occur. Our payment processor (Stripe) may hold reserves on your account to cover the total value of any negative balances.
Onboarding and Compliance: You agree to review each seller to ensure they are not operating in a restricted business category or selling restricted products. For more information, see the “Prohibited Businesses” and “Restricted Businesses” sections within these Terms.
Risk Underwriting: You agree to examine the financial health and risk factors of sellers to determine whether you can cover any potential losses or defaults.
Risk Monitoring and Detection: You agree to maintain systems to continuously monitor risk, identify sellers likely to encounter losses, and detect potential fraud.
Risk Actions to Mitigate Losses: You may use the tools provided by Stripe—at your own discretion—to minimize losses while ensuring minimal disruption to seller operations.
Seller Communication: You agree to promptly notify connected accounts when actions are taken against them due to risk, fraud prevention, or mitigation measures.
Seller Remediation: You will collect and review all necessary information to help sellers restore a healthy account status if actions were taken due to risk or fraudulent activity.
Support for Payment and Risk Inquiries: You will provide guidance and support to your sellers regarding your risk management processes and the steps required for remediation.

By continuing to use the Service, you confirm that you have reviewed these responsibilities and agree to comply with them.

Collections Policy

Seller Communication: You will notify sellers if their account is impacted by risk or fraud mitigation measures. This includes informing them of any steps they need to take to resolve the issue.
Seller Remediation: You agree to collect any additional information required from sellers to support their remediation process. You may use Stripe-hosted onboarding or embedded onboarding components to facilitate information gathering and compliance checks.

Privacy and Data Usage

Delivery Disruptor is committed to protecting your personal information. This section describes what data we collect, how we use it, and the safeguards we have in place to ensure it is kept secure.

Data Collection: We only collect information necessary to facilitate transactions and deliveries, such as names, contact details, payment information, and chat history. When you register, we may request additional information to verify identity or compliance with legal requirements.
Data Usage: We use your data for payment processing, background checks (for Drivers), customer support, fraud prevention, and to improve our Service. We do not sell or lease your personal data to any third party without your express consent, except as required by law.
Data Retention: We retain your data as long as is necessary to fulfill orders, comply with legal obligations, and maintain transactional records. Chat histories and transaction logs may be stored for reference in case of disputes or legal requests.
Data Security: We implement security measures such as encryption, restricted access, and secure servers to protect your information. While we make every effort to secure your data, no method of transmission or storage is entirely foolproof, and you assume some risk by using our Service.
User Rights: Depending on your jurisdiction, you may have the right to request access to the personal data we hold about you, to request corrections or deletions of such data, or to object to certain processing activities. You can exercise these rights by contacting us through the information provided on our platform.

Your Obligations

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are solely responsible for ensuring that your actions, including any electronic communications you receive or send, comply with all applicable laws, including those relating to consumer protection and data privacy.

Modifications to the Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of the Service after any modifications constitutes your acceptance of the new Terms.

Prohibited Businesses

You must not use Stripe’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 targeted to

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
Cyberlockers, regardless of if they host adult content

Debt relief companies

Debt settlement, debt negotiation, and debt consolidation

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 promises 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
Cyberlockers, regardless of if they host infringing content
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 that are 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 focused on significant weight loss or sexual performance
Pseudo pharmaceuticals or nutraceuticals making unsupportable or harmful claims

Non-fiat currency

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

Travel

Commercial airlines and cruises
Timeshare services

Unfair, deceptive, or abusive acts or practices

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

Pyramid schemes
Multi-level 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;
- Sites that promise fast and easy money
Businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, or use fake testimonials
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 Stripe 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

You must not use Stripe’s services for the following activities, unless you have received prior written approval from Stripe. If you think your business falls into one of the restricted categories, please contact us. 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, Stripe 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 Stripe at any time per the terms of the Stripe 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 Stripe Connect user) and those directly distributing their own content (for example, on their own website) do not require pre-approval. However, all content creators must comply with the Stripe Services Agreement and this Prohibited and Restricted Businesses list and are subject to monitoring by Stripe to ensure compliance.

Regulated industries

Cannabidiol (CBD) (See the FAQs for additional details)
Financial products and services
Pharmaceuticals, medical devices and telemedicine (See the FAQs for additional details)
Tobacco
Non-fiat currency and stored value
Others

Jurisdiction-Specific Prohibited Businesses

Genital prosthetics
Sex accessories and lifelike sex toys

Mortgage consulting

Alcohol
Captive insurance companies
Cash couriers
Charities
Chit funds
Currency exchange
Currency transportation
Dating and matchmaking services
Gambling equipment
Genital prosthetics
Junket operators
Lobby groups and political organizations
Mining and oil drilling and refining
Personal investment vehicles / companies
Religious organizations
Sex accessories and sex toys
Trust service providers
Unlicensed financial institutions

Advisory Services Related to Drop Shipping and the Resale of Goods
Animals
C2C services outside of Stripe Connect
Consultation and advisory or prediction services relating to online gaming or gambling
Consultation or advisory services providing guidance, information or tools on how to profit through trading or investments in financial products or cryptocurrency or running a resale or dropshipping business
Donations to individuals
Fundraising for or financing of businesses that are listed as prohibited or restricted above
Genital prosthetics
Health instruments
Industrial waste disposal and garbage disposal devices and water purifiers
International marriage brokerage businesses
Mortgage consulting
Private investigators or protection services
Psychic services and fortune tellers
Sex accessories and lifelike sex toys
Businesses without a “Commercial Disclosure” page on their website as required by the Specified Commercial Transactions Act (SCT)

Genital prosthetics
Matchmaking
Sex accessories or sex toys

Adoption agencies
Cross-border currency exchange services
Debt collection agencies
Direct marketing-travel
Electronic cigarettes for card-not-present transactions
Ephedrine
Game console modification devices
Genital prosthetics
HCG weight loss
Investment services
Sex accessories or lifelike sex toys
Penny auctions
Private investigators or protection services
Psychic services and fortune tellers
Search engine optimization
Telemedicine

Prepaid phone cards and sim cards
Sale of ads for any products or services deemed illegal in Singapore
Sex accessories or sex toys

P: Charities
P: Dating services
R: Food and cosmetics
P: Historical artifacts
R: Hotels, tour operators, and transportation services
P: Online alcohol sales
P: Private investigators or detective agencies
P: Psychic services and fortune tellers
P: Timeshares
P: Vehicle sales
P: Vitamins

Gambling equipment
Genital prosthetics
Historical artifacts, ivory products, prison-made products
Private investigators or detective agencies
Matchmaking services
Sex accessories or sex toys

Extended warranties and subscriptions over one year
Mortgage consulting
Pseudo pharmaceuticals or nutraceuticals focused on weight loss
Shipping brokers and freight forwarders, without prior authorization from Stripe

Prohibited Uses of Stripe Products

Use of Stripe products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of the business, and any other information requested by Stripe
- If there are any changes to your personal and business information, you must notify Stripe immediately
Use of Stripe products to facilitate transactions on behalf of another undisclosed merchant or for products or services that weren’t disclosed in the business’s Stripe account application
Use of Stripe 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 Stripe entity, unless permitted under the card network rules
Sharing cardholder information with another business for payment or cross-sell products or services
Use of Stripe intellectual property without prior written consent from Stripe; use of the Stripe name or logo including use of Stripe trade or service marks inconsistent with the Stripe Marks Usage Agreement, or in a manner that otherwise harms Stripe or the Stripe brand; any action that implies an untrue endorsement by, or affiliation, with Stripe

Prohibitions for Stripe Issuing Products

Consumer use

Consumer use of Stripe 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 Stripe Issuing, you share with Stripe the location of your business, the physical address of your beneficial owners, and the jurisdiction in which your business is registered. Stripe 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 Stripe 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 Stripe to use Issuing for that purpose.

Other abusive use

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 Stripe 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 Stripe 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 Stripe account.

Inactivity

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

Integration type

If you plan to enable your customers to use Stripe Issuing for purposes of creating cards for your customers’ employees or contractors, you must implement Stripe Issuing on Connect. Please consult Stripe if you have any questions regarding the correct integration type for your business.