# Recievio — Terms of Service

**⚠️ SAMPLE DOCUMENT — REPLACE WITH FINAL LEGAL TEXT BEFORE PRODUCTION ⚠️**

## 1. Introduction
These Terms of Service ("Terms") govern your use of the Recievio platform ("Platform"), which facilitates the sale of trade receivables between sellers and fund managers.

## 2. Acceptance
By registering an account, you accept these Terms in full. If you do not agree, you must not use the Platform.

## 3. Account Registration
You agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your credentials and all activities that occur under your account. Two-factor authentication is mandatory for all accounts.

## 4. KYB / KYC / AML
Recievio performs Know-Your-Business, Know-Your-Customer, Anti-Money-Laundering, and sanctions screening on every registered entity. You consent to these checks as a condition of platform access.

## 5. Platform Role
Recievio acts solely as a marketplace facilitator. Recievio is not a party to any transaction between sellers and fund managers and does not guarantee any payment, rate, or outcome.

## 6. Platform Fees
Recievio may charge a subscription fee for fund managers to access the global seller database. Sellers do not pay platform fees at this time.

## 7. Data Protection
We process personal data in accordance with our Privacy Policy and applicable data protection laws (including GDPR).

## 8. Limitation of Liability
To the maximum extent permitted by law, Recievio is not liable for any indirect, incidental, or consequential damages arising from your use of the Platform.

## 9. Termination
We may suspend or terminate your account if you breach these Terms, fail compliance screening, or engage in fraudulent activity.

## 10. Governing Law
These Terms are governed by the laws of [JURISDICTION — TBC].

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*Last updated: Sample v1.0 — this is placeholder text pending final legal review.*