UC Give

Effective Date: 10/1/2024

Welcome to United City! By accessing or using our platform, you agree to the following Terms of Service, which form a legally binding agreement between you and United City. If you do not agree with these terms, please refrain from using our services.

1. Acceptance of Terms

By creating an account, accessing, or using United City, you acknowledge and agree that you have read, understood, and agree to be bound by these Terms of Service, our Privacy Policy, and any other applicable agreements. Use of the platform is at your own risk, and we assume no responsibility for any consequences arising from its use.

2. Platform Use at Your Own Risk

Your use of United City is entirely at your own risk. We provide our services “as is” and “as available,” with no guarantees or warranties of any kind, whether express or implied. This includes, but is not limited to, the accuracy, reliability, availability, or performance of the platform.

• No Warranty of Accuracy: The content and information shared on United City may not be accurate, and we are not liable for any reliance placed on such content.
• No Guarantee of Service: We do not guarantee uninterrupted or error-free service. Your access to the platform may be suspended or terminated at any time, without notice, for any reason, including system maintenance, outages, or violations of our terms.

3. Limitation of Liability

To the fullest extent permitted by law, in no event will United City, its officers, directors, employees, agents, partners, affiliates, or licensors be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, damages for lost profits, goodwill, use, data, or other intangible losses, resulting from:

• Your use or inability to use the platform;
• Any unauthorized access or alteration of your transmissions or data;
• Any content posted on the platform by users or third parties;
• Any viruses, bugs, or other harmful elements encountered while using the platform;
• Any other matter relating to the platform, even if we have been advised of the possibility of such damages.

4. No Responsibility for User Content

United City does not take responsibility for user-generated content, comments, or interactions that occur on the platform. Any offensive, inappropriate, or illegal content shared by users is the sole responsibility of the user who posted it.

• User Conduct: You are responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, or any other content or materials that you submit, post, or display on or via the platform.

5. No Legal Recourse Against United City

By using United City, you agree to waive any legal claims, rights, or remedies you may have against United City under any jurisdiction. This includes, but is not limited to, claims based on negligence, misrepresentation, or any breach of contract or statutory duties.

You expressly acknowledge and agree that United City is not liable or responsible for:

• Any damage or loss that may result from your interactions with other users;
• Any malfunction, delays, errors, or disruptions in service;
• Any unauthorized access to or use of your account;
• Any disputes between you and third parties arising from your use of the platform.

6. Indemnity

You agree to indemnify, defend, and hold harmless United City, its affiliates, directors, employees, and agents from any and all claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your use of the platform, violation of these Terms of Service, or infringement of any third-party rights.

7. Termination of Service

United City reserves the right to suspend or terminate your account and access to the platform at any time for any reason, without notice. This includes violations of these Terms of Service or behavior that we deem harmful to the platform or its users.

8. Governing Law

These Terms of Service will be governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of laws principles. Any legal action arising from the use of the platform must be brought in the courts located in [Insert Location], and you consent to the jurisdiction of such courts.

Privacy Policy

Effective Date: 10/1/2024

At United City, we value your privacy. By using our platform, you agree to the collection, use, and disclosure of your information as outlined in this Privacy Policy.

1. Information We Collect

We collect information you provide directly to us when creating an account, posting content, or interacting with other users. This includes personal information such as your name, email address, and any other details you voluntarily provide. We may also collect technical data such as your IP address, browser type, and device information.

2. How We Use Your Information

The information we collect is used solely to operate, maintain, and improve the platform. We do not sell or share your personal data with third parties for marketing purposes.

3. Data Security

We take reasonable precautions to protect your personal information. However, no method of transmission over the internet is entirely secure, and we cannot guarantee the absolute security of your data.

4. Cookies

United City uses cookies to enhance your user experience. You can control your cookie preferences through your browser settings, but certain functionalities of the platform may be affected.

5. User Responsibility

You are responsible for the information you share on United City. Please be cautious when sharing personal details or sensitive information publicly.

Acceptable Use Policy

1. Prohibited Activities

You may not use United City to engage in any illegal, harmful, or disruptive activities. This includes but is not limited to:

• Posting abusive, hateful, or harassing content;
• Engaging in fraud or misleading activities;
• Spreading malware or harmful software;
• Interfering with other users’ enjoyment of the platform.
• All post’s, interactions, and use of the platform MUST fall within the guidelines of traditional Biblical values.
• United City retains the right to modify, remove, or restrict any of your content that we determine, at our discretion, violates our community guidelines.

2. Content Responsibility

You are solely responsible for any content you post, share, or transmit through the platform. United City is not responsible for monitoring user activity and assumes no responsibility for the accuracy or legality of user-generated content.

3. Enforcement

We reserve the right to take action, including suspension or termination of your account, if you violate this Acceptable Use Policy.

Disclaimer

The platform is provided “as is” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the platform will be error-free, uninterrupted, or free from viruses or other harmful components.

By using United City, you agree to these Terms of Service, the Privacy Policy, and the Acceptable Use Policy.

Vendor Onboarding Terms of Use
Marketplace Seller Onboarding Policy and Procedures

1. Introduction

This policy outlines the procedures for onboarding sellers to our multi-vendor marketplace, which operates on the United City platform integrated with our ERP system, Unifya. These procedures ensure compliance with all relevant regulations and protect the integrity of our payment processors’ brands by mitigating risks associated with fraud and illegal activities.

2. Objectives To establish a clear and consistent process for onboarding new sellers.
   To verify the identity and legitimacy of sellers before they can list products on the marketplace.
   To ensure compliance with payment processor requirements and protect their brand integrity.
   To maintain a safe and secure marketplace for all users.
3. Seller Onboarding Procedures

3.1. Application Submission

Sellers must complete an online application form through our marketplace website.
Required information includes:
Business name and registration number
Contact details (address, phone number, email)
Description of the business and product categories
Bank account details for payments

3.2. Documentation Requirements

Sellers must upload the following documents during the application process:
Government-issued identification (e.g., passport, driver’s license) of the business owner(s)
Business registration certificate
Tax identification number (TIN) or equivalent
Bank statement or proof of bank account ownership
Any relevant licenses or permits required for the sale of specific products

3.3. Identity and Business Verification

Our compliance team will review the submitted information and documents.
Identity verification will include checking the government-issued ID against the business registration information.
Business verification will involve validating the business registration certificate and any relevant licenses.
Additional verification steps may include:
Cross-referencing with third-party databases.
Conducting online searches to verify the legitimacy of the business.

3.4. Risk Assessment

Each seller application will be assessed for risk based on several factors:
Geographic location
Product categories
Historical business performance (if applicable)
Sellers deemed high-risk will undergo enhanced due diligence (EDD), which may include:
Additional background checks
More stringent verification of business documentation

3.5. Approval and Onboarding

Once the verification and risk assessment are completed, the compliance team will approve or reject the application.
Approved sellers will receive an onboarding package that includes:
A welcome email with login credentials for the seller portal.
Detailed instructions on how to set up their online store, including product listing guidelines, pricing, and inventory management.
Access to training materials and resources.
Sellers must agree to the marketplace terms and conditions, privacy policy, and compliance requirements before they can start listing products.

4. Ongoing Compliance and Monitoring

4.1. Transaction Monitoring

All seller transactions will be monitored for unusual or suspicious activity.
Automated systems will flag transactions that exceed predefined thresholds or exhibit irregular patterns.
Suspicious activities will be investigated by the compliance team and reported to relevant authorities if necessary.

4.2. Periodic Reviews

Seller accounts will be subject to periodic reviews to ensure ongoing compliance with marketplace policies.
Reviews will include re-verification of business information and documentation.
Sellers may be required to provide updated documents or additional information during these reviews.

4.3. Training and Support

We provide ongoing training and support to sellers to help them comply with marketplace policies and regulatory requirements.
Sellers can access a dedicated support team for assistance with compliance-related queries and issues.

4.4. Penalties for Non-Compliance

Sellers found to be in violation of marketplace policies or engaging in fraudulent activities will face penalties, including:
Temporary suspension of their account
Permanent termination of their account
Reporting to relevant authorities and payment processors

5. Data Protection and Privacy We are committed to protecting the privacy and confidentiality of seller information.
   All data collected during the onboarding process is stored securely and accessed only by authorized personnel.
   We comply with all relevant data protection regulations, including GDPR and CCPA.
6. Review and Updates This policy will be reviewed and updated annually or as required to reflect changes in regulations and industry best practices.
   Sellers will be notified of any significant changes to the onboarding procedures.
7. Conclusion

By following these onboarding procedures, we aim to create a trustworthy and compliant multi-vendor marketplace that upholds the highest standards of integrity, thereby protecting our payment processors’ brand and ensuring a safe environment for all users.

For any queries or further information regarding this policy, please contact our compliance team at support@unitedcity.org.

AML Policy
Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy

1. Introduction

Our multi-vendor marketplace is committed to ensuring the highest standards of Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance. This policy outlines the procedures and measures implemented to prevent money laundering, terrorist financing, and other illicit activities while ensuring the safety and security of our consumers and merchants.

2. Objectives To prevent the marketplace from being used as a conduit for illegal activities.
   To establish a robust KYC process to identify and verify the identity of all users (both consumers and merchants).
   To continuously monitor transactions and user activities to detect and report suspicious activities.
   To comply with all applicable AML and KYC regulations and guidelines.
3. Scope

This policy applies to all users of the marketplace, including but not limited to:

Consumers
Merchants
Employees
Third-party service providers

4. AML and KYC Compliance Team

We have established a dedicated AML and KYC compliance team responsible for:

Implementing and enforcing this policy.
Regularly reviewing and updating AML/KYC procedures.
Conducting training programs for employees.
Reporting suspicious activities to relevant authorities.

5. Know Your Customer (KYC) Procedures

5.1. Identification and Verification

Consumers:
Collect basic information (name, address, email, phone number).
Verify identity using government-issued ID (passport, driver’s license).
Merchants:
Collect business information (business name, address, registration number).
Verify identity of key personnel and beneficial owners.
Validate business licenses and other relevant documents.

5.2. Risk Assessment

Assign a risk level to each user (low, medium, high) based on factors such as geographic location, transaction patterns, and user profile.
Conduct enhanced due diligence (EDD) for high-risk users, which may include additional documentation and background checks.

5.3. Ongoing Monitoring

Continuously monitor user transactions and activities.
Utilize automated systems to flag suspicious activities based on predefined criteria.
Conduct periodic reviews and updates of user information.

6. Anti-Money Laundering (AML) Measures

6.1. Transaction Monitoring

Implement automated systems to monitor and analyze transactions in real-time.
Set thresholds for transaction amounts and frequencies that trigger further investigation.
Generate alerts for transactions that appear unusual or suspicious.

6.2. Reporting

Maintain records of all transactions and user activities for a minimum period as required by law.
Report suspicious transactions to the relevant authorities (e.g., Financial Intelligence Unit) in accordance with regulatory requirements.
Cooperate with law enforcement agencies in their investigations.

6.3. Record Keeping

Retain copies of all identification documents, transaction records, and communications with users.
Ensure records are securely stored and accessible only to authorized personnel.

7. Training and Awareness Conduct regular training sessions for employees on AML and KYC policies and procedures.
   Provide updates on regulatory changes and emerging risks related to money laundering and terrorist financing.
   Encourage employees to report any concerns or suspicious activities to the AML/KYC compliance team.
8. Review and Audit Conduct periodic internal audits to assess the effectiveness of AML and KYC controls.
   Review and update this policy annually or as required to reflect changes in regulations and industry best practices.
   Engage external auditors to evaluate the robustness of the AML/KYC program.
9. Penalties for Non-Compliance Users found to be engaging in suspicious or illegal activities will be reported to the relevant authorities and may face account suspension or termination.
   Employees found to be in breach of this policy may face disciplinary action, including termination of employment.
10. Conclusion

Our commitment to AML and KYC compliance is integral to maintaining the integrity and trustworthiness of our marketplace. By adhering to the procedures outlined in this policy, we aim to create a safe and secure environment for all users.