🎓Ethical Guidelines

PayLux is designed for secure, consensual financial interactions between adults. Our goal is to support legitimate community use while preventing harm, fraud, and abuse.

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What We Support

• Adults using PayLux for community-based financial features

• Creators and professionals monetizing their work ethically

• Server owners offering premium or structured member experiences

• Transparent pricing, clear terms, and straightforward fees

• Full user control over their funds

• Strong privacy, security, and fraud prevention protections

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When We Intervene

We suspend accounts or remove PayLux from servers when behaviour violates safety, legality, or platform integrity.

1. Fraud and Scams

• Chargeback fraud

• Accepting payment and not delivering promised services

• Identity theft or impersonation

• Exploiting system vulnerabilities

• Coordinated fraud or multi-account abuse

2. Minors (Zero Tolerance)

• Anyone under 18 using PayLux

• Lack of required age verification

• Any content or activity involving or endangering minors

3. Coercion and Manipulation

• Exploiting vulnerable individuals, including those in distress

• Threats, blackmail, or forced payments

• Misusing personal information to pressure others

• Sharing private information without consent

• Aggressive or manipulative behaviour designed to obtain payments

4. Illegal Activity

• Money laundering

• Tax evasion schemes

• Payments for illegal services

• Violations of PayPal’s Terms of Service

• Any breach of local or federal law

5. Platform Abuse

• Attempting to bypass transaction fees

• Fake accounts to manipulate statistics

• Exploiting system weaknesses

• Automated or bot-driven transactions

• Attempts to harm other users or the platform

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Server Owner Responsibilities

You must:

• Enforce clear anti-scam and anti-fraud rules

• Maintain an 18+ environment

• Handle disputes fairly

• Report suspected fraud immediately

• Avoid encouraging rule violations

• Respond to PayLux intervention notices

You are not responsible for:

• Personal user-to-user payment disputes

• PayPal issues (handled by PayPal)

• Users’ financial decisions

• Technical issues with PayLux

• Enforcement outside your own server

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Reporting Issues

Report immediately if you observe:

• Fraud or suspicious behaviour

• Minors accessing PayLux

• Manipulation, coercion, or safety concerns

• System abuse or exploits

• Unusual transaction patterns

Include relevant user IDs, logs, screenshots, or evidence. All reports are handled confidentially.

Response Times:

• Fraud, minors, safety threats: within hours

• Other violations: 24–48 hours

• Appeals: handled case-by-case

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Automated Protection Systems

7-Day Fraud Hold

New accounts cannot withdraw purchased points for 7 days to prevent abuse and protect communities from chargebacks.

Dual Balance System

• Total Balance: All points owned

• Available Balance: Points eligible for withdrawal Points unlock automatically after the 7-day period.

Chargeback Recovery

If someone issues a fraudulent chargeback, the system:

• Detects the transaction

• Traces every transfer involved

• Recovers points from all recipients

• Permanently bans the offender

• Logs the entire recovery chain

Transaction Monitoring

Automatic reviews are triggered by:

• Rapid back-and-forth transfers

• High-volume activity from new accounts

• Suspicious timing or patterns

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Our Commitment

PayLux aims to set a professional standard for financial tools in Discord communities.

We commit to:

• Transparent, user-respecting policies

• Fast action against harmful or fraudulent behaviour

• Support for legitimate community use

• Continuous improvement

• Privacy-focused security measures

• Clear communication during interventions

These guidelines will continue to evolve during beta based on community feedback and real-world scenarios.