Compliance Policy
PURPOSE
The purpose of this Compliance Manual is to define the standards, expectations, and rules governing the use of the software-as-a-service platform provided by Disruptive Studio, Inc. This document is designed to promote lawful, ethical, and responsible use of the platform while protecting the integrity, security, and reliability of the services offered.
Disruptive Studio provides a technology platform intended to support business operations, including the management of multi-level marketing structures, user systems, and related processes. The platform is designed to be flexible and configurable; however, all configurations, business models, compensation structures, and operational decisions implemented through the platform are defined and controlled exclusively by each client.
Disruptive Studio acts solely as a technology provider. It does not operate, manage, or participate in the business activities conducted by its clients, and it does not validate, approve, or endorse any specific business model, compensation plan, or commercial activity executed through the platform.
This Compliance Manual establishes the baseline expectations for acceptable use, outlines prohibited activities, and defines the responsibilities of clients when using the platform. It is intended to ensure that all clients operate within applicable legal and regulatory frameworks in their respective jurisdictions.
Clients are solely responsible for ensuring that their use of the platform complies with all applicable laws, regulations, and industry standards, including but not limited to consumer protection laws, advertising regulations, data protection requirements, financial regulations, and any rules applicable to direct selling or multi-level marketing structures.
Disruptive Studio reserves the right to implement reasonable measures to protect its platform and users, including requesting information, limiting functionality, suspending access, or taking other appropriate actions where necessary to address risk, ensure compliance, or maintain the integrity of the system.
Use of the platform constitutes acceptance of this Compliance Manual and acknowledgment of the responsibilities described herein.
SCOPE
This Compliance Manual applies to all clients, users, and entities that access or use the software-as-a-service platform provided by Disruptive Studio, as well as to any activities, transactions, configurations, or business models implemented through the platform.
It covers all functionalities of the Software, including but not limited to user management, compensation systems, reporting tools, integrations with third-party services, payment-related features, communication tools, and any additional modules or capabilities made available to clients.
This Manual applies to all individuals or entities acting on behalf of a client, including employees, contractors, affiliates, partners, distributors, or end users. Each client is responsible for ensuring that all such persons comply with the standards and requirements described in this Manual.
The provisions of this Manual apply globally and are intended to complement applicable laws and regulations in each jurisdiction where the client operates. Clients are responsible for understanding and complying with local legal requirements, including those related to consumer protection, data privacy, financial transactions, marketing practices, and direct selling or multi-level marketing activities.
This Manual also applies to any integrations, third-party services, or external systems connected to the Software. While Disruptive Studio may provide technical capabilities to support such integrations, it does not control or assume responsibility for third-party services or their compliance.
Disruptive Studio may update, modify, or expand the scope of this Manual from time to time to reflect changes in the platform, applicable laws, or risk considerations. Continued use of the Software after such updates constitutes acceptance of the revised terms.
This Manual forms part of the broader framework governing the use of the Software and should be read in conjunction with Disruptive Studio’s Terms and Conditions, Privacy Policy, and any other applicable policies.
SCOPE
This Compliance Manual applies to all clients, users, and entities that access or use the software-as-a-service platform provided by Disruptive Studio, as well as to any activities, transactions, configurations, or business models implemented through the platform.
It covers all functionalities of the Software, including but not limited to user management, compensation systems, reporting tools, integrations with third-party services, payment-related features, communication tools, and any additional modules or capabilities made available to clients.
This Manual applies to all individuals or entities acting on behalf of a client, including employees, contractors, affiliates, partners, distributors, or end users. Each client is responsible for ensuring that all such persons comply with the standards and requirements described in this Manual.
The provisions of this Manual apply globally and are intended to complement applicable laws and regulations in each jurisdiction where the client operates. Clients are responsible for understanding and complying with local legal requirements, including those related to consumer protection, data privacy, financial transactions, marketing practices, and direct selling or multi-level marketing activities.
This Manual also applies to any integrations, third-party services, or external systems connected to the Software. While Disruptive Studio may provide technical capabilities to support such integrations, it does not control or assume responsibility for third-party services or their compliance.
Disruptive Studio may update, modify, or expand the scope of this Manual from time to time to reflect changes in the platform, applicable laws, or risk considerations. Continued use of the Software after such updates constitutes acceptance of the revised terms.
This Manual forms part of the broader framework governing the use of the Software and should be read in conjunction with Disruptive Studio’s Terms and Conditions, Privacy Policy, and any other applicable policies.
CLIENT RESPONSIBILITIES
Clients are solely responsible for how they configure, deploy, and operate the Software, including all business models, compensation structures, user flows, and commercial activities conducted through the platform.
Each client is responsible for ensuring that its use of the Software complies with all applicable laws and regulations in every jurisdiction in which it operates. This includes, without limitation, laws related to consumer protection, advertising, data privacy, financial transactions, anti-fraud, anti-money laundering, and direct selling or multi-level marketing practices.
Clients are responsible for the accuracy, legality, and transparency of all content, communications, and representations made through the Software, including marketing materials, income claims, product descriptions, and user-facing information.
Clients are fully responsible for the actions of their users, affiliates, distributors, employees, contractors, and any other persons who access or use the Software on their behalf. This includes ensuring that all such persons comply with this Compliance Manual and any applicable legal requirements.
Clients are responsible for implementing appropriate internal controls, policies, and procedures to manage their operations, including user onboarding, monitoring of activity, handling of complaints, and prevention of misuse or abuse of their systems.
Clients must ensure that any financial flows, compensation structures, or transaction mechanisms implemented through the Software are lawful, transparent, and compliant with applicable regulations. Disruptive Studio does not manage or oversee such financial activities.
Clients are responsible for maintaining appropriate data protection and cybersecurity practices, including safeguarding user information, implementing access controls, and maintaining backups where necessary.
Clients are expected to cooperate with reasonable requests from Disruptive Studio related to compliance, risk assessment, or system integrity, including providing information about their business model, operations, or use of the Software when requested.
Failure to meet these responsibilities may result in limitations, suspension, or termination of access to the Software, in accordance with the applicable Terms and Conditions.
These responsibilities are fundamental to maintaining a safe, compliant, and sustainable ecosystem for all users of the platform.
CLIENT RESPONSIBILITIES
Clients are solely responsible for how they configure, deploy, and operate the Software, including all business models, compensation structures, user flows, and commercial activities conducted through the platform.
Each client is responsible for ensuring that its use of the Software complies with all applicable laws and regulations in every jurisdiction in which it operates. This includes, without limitation, laws related to consumer protection, advertising, data privacy, financial transactions, anti-fraud, anti-money laundering, and direct selling or multi-level marketing practices.
Clients are responsible for the accuracy, legality, and transparency of all content, communications, and representations made through the Software, including marketing materials, income claims, product descriptions, and user-facing information.
Clients are fully responsible for the actions of their users, affiliates, distributors, employees, contractors, and any other persons who access or use the Software on their behalf. This includes ensuring that all such persons comply with this Compliance Manual and any applicable legal requirements.
Clients are responsible for implementing appropriate internal controls, policies, and procedures to manage their operations, including user onboarding, monitoring of activity, handling of complaints, and prevention of misuse or abuse of their systems.
Clients must ensure that any financial flows, compensation structures, or transaction mechanisms implemented through the Software are lawful, transparent, and compliant with applicable regulations. Disruptive Studio does not manage or oversee such financial activities.
Clients are responsible for maintaining appropriate data protection and cybersecurity practices, including safeguarding user information, implementing access controls, and maintaining backups where necessary.
Clients are expected to cooperate with reasonable requests from Disruptive Studio related to compliance, risk assessment, or system integrity, including providing information about their business model, operations, or use of the Software when requested.
Failure to meet these responsibilities may result in limitations, suspension, or termination of access to the Software, in accordance with the applicable Terms and Conditions.
These responsibilities are fundamental to maintaining a safe, compliant, and sustainable ecosystem for all users of the platform.
PROHIBITED USE
The Software may not be used for any activity that is unlawful, misleading, abusive, or otherwise inconsistent with this Compliance Manual or applicable laws and regulations. Clients are expected to use the platform in a responsible and transparent manner at all times.
Use of the Software to operate or support illegal pyramid schemes or compensation structures that rely primarily on recruitment rather than the sale of legitimate products or services is strictly prohibited. Clients must ensure that their business models provide real value and comply with applicable direct selling and consumer protection laws.
The Software may not be used for any form of fraud, deception, or misrepresentation, including false income claims, misleading marketing, manipulation of user data, or any activity intended to mislead users, customers, or regulators.
Clients may not use the Software to facilitate or engage in money laundering, terrorist financing, or any other activity involving the movement of funds derived from illegal sources or intended to conceal the origin of funds.
The Software may not be used to offer, promote, or facilitate securities, investment products, or financial instruments in violation of applicable laws, including unregistered offerings or schemes that promise returns based on the efforts of others without proper regulatory compliance.
Clients are prohibited from using the Software to generate artificial activity, including the creation of fake users, simulated transactions, or manipulation of compensation systems for the purpose of inflating metrics, commissions, or perceived business performance.
The introduction of malicious code, viruses, or any attempt to interfere with the operation, security, or integrity of the Software is strictly prohibited. Clients must not attempt to bypass system controls, exploit vulnerabilities, or gain unauthorized access to any part of the platform.
Clients may not use the Software to distribute unlawful content, including content that infringes intellectual property rights, violates privacy rights, or is otherwise prohibited under applicable law.
Any use of the Software that may harm the reputation, operations, or users of Disruptive Studio, including abusive practices, deceptive conduct, or activities that create regulatory risk, is not permitted.
Disruptive Studio reserves the right to determine, in its reasonable discretion, whether a particular use of the Software constitutes prohibited activity. In cases of uncertainty, clients are encouraged to seek clarification before implementing specific business models or features.
Violation of this Section may result in immediate restriction, suspension, or termination of access to the Software, as well as any additional actions deemed necessary to protect the platform and its users.
CLIENT VERIFICATION AND INFORMATION REQUESTS
To maintain a secure and compliant environment, Disruptive Studio may request information from clients regarding their identity, business structure, and use of the Software.
Such information may include, without limitation, corporate registration documents, identification of beneficial owners, business descriptions, compensation plan details, marketing materials, and explanations of financial or operational flows implemented through the platform.
The purpose of these requests is to better understand how the Software is being used and to assess potential risks related to compliance, security, and platform integrity. These requests do not constitute approval, certification, or validation of any client business model.
Clients are expected to provide accurate, complete, and up-to-date information in response to such requests. Failure to provide requested information, or providing misleading or incomplete information, may result in limitations on access, suspension of services, or termination of the client’s account.
Disruptive Studio may also request updates or additional documentation from time to time, particularly where there are changes in the client’s business model, ownership structure, geographic scope, or operational practices.
All information provided by clients will be handled in accordance with applicable privacy standards and Disruptive Studio’s Privacy Policy. However, clients acknowledge that Disruptive Studio may retain and use such information for internal compliance, risk management, and operational purposes.
Disruptive Studio reserves the right to determine, in its reasonable discretion, whether the information provided is sufficient to support continued use of the Software.
These verification practices are intended to support a safe and responsible platform environment while enabling legitimate business use.
MONITORING AND RISK MANAGEMENT
Disruptive Studio may implement reasonable monitoring practices to protect the integrity, security, and lawful use of the Software. Such monitoring is limited to operational, technical, and risk-related indicators and is not intended to supervise or manage the client’s business activities.
Monitoring may include the analysis of system usage patterns, abnormal activity, unusual transaction behavior, performance anomalies, or other indicators that may suggest misuse, technical issues, or elevated risk.
Disruptive Studio does not continuously monitor all client activity and does not assume responsibility for detecting or preventing all forms of misuse, fraud, or non-compliant behavior. Clients remain solely responsible for overseeing their own operations and ensuring compliance.
Where potential risks or irregularities are identified, Disruptive Studio may conduct internal reviews to assess the situation. This may involve reviewing system logs, usage data, or other relevant technical information.
If necessary, Disruptive Studio may request clarification or additional information from the client to better understand the nature of the activity and determine appropriate next steps.
Based on its assessment, Disruptive Studio may take reasonable actions to mitigate risk, including limiting certain features, applying temporary restrictions, or suspending access to the Software.
Disruptive Studio may also retain relevant information or records where necessary to support internal analysis, compliance requirements, or potential cooperation with third parties or authorities.
These monitoring and risk management practices are intended to maintain a secure and reliable platform environment while respecting the client’s independence and control over its business operations.
ENFORCEMENT AND RESPONSE MEASURES
Disruptive Studio reserves the right to take appropriate action in response to any activity that may violate this Compliance Manual, the applicable Terms, or relevant laws and regulations.
Where a potential issue is identified, Disruptive Studio may, at its reasonable discretion, assess the nature and severity of the situation and determine the appropriate course of action. Responses may vary depending on the level of risk, the information available, and the client’s cooperation.
Possible actions may include requesting additional information, providing guidance or clarification, applying temporary limitations on certain features, or restricting access to specific functionalities of the Software.
In cases where risks are elevated or unresolved, Disruptive Studio may suspend access to the Software, either in whole or in part, until the issue is adequately addressed.
Where a violation is confirmed, or where continued use of the Software presents a material risk, Disruptive Studio may terminate access to the platform in accordance with the applicable Terms and Conditions.
Disruptive Studio may also take steps to protect its platform, users, and partners, including preserving relevant information, cooperating with third parties, or taking other actions deemed necessary under the circumstances.
All decisions regarding enforcement are made in a manner intended to be reasonable and proportionate to the situation, while prioritizing the integrity, security, and lawful use of the Software.
Clients are expected to cooperate in good faith during any review or enforcement process. Failure to cooperate may result in additional restrictions or termination of access.
These measures are designed to maintain a responsible and compliant environment for all users of the platform.
ENFORCEMENT AND RESPONSE MEASURES
Disruptive Studio reserves the right to take appropriate action in response to any activity that may violate this Compliance Manual, the applicable Terms, or relevant laws and regulations.
Where a potential issue is identified, Disruptive Studio may, at its reasonable discretion, assess the nature and severity of the situation and determine the appropriate course of action. Responses may vary depending on the level of risk, the information available, and the client’s cooperation.
Possible actions may include requesting additional information, providing guidance or clarification, applying temporary limitations on certain features, or restricting access to specific functionalities of the Software.
In cases where risks are elevated or unresolved, Disruptive Studio may suspend access to the Software, either in whole or in part, until the issue is adequately addressed.
Where a violation is confirmed, or where continued use of the Software presents a material risk, Disruptive Studio may terminate access to the platform in accordance with the applicable Terms and Conditions.
Disruptive Studio may also take steps to protect its platform, users, and partners, including preserving relevant information, cooperating with third parties, or taking other actions deemed necessary under the circumstances.
All decisions regarding enforcement are made in a manner intended to be reasonable and proportionate to the situation, while prioritizing the integrity, security, and lawful use of the Software.
Clients are expected to cooperate in good faith during any review or enforcement process. Failure to cooperate may result in additional restrictions or termination of access.
These measures are designed to maintain a responsible and compliant environment for all users of the platform.
DATA PROTECTION AND SECURITY RESPONSIBILITIES
Clients are responsible for ensuring that all data collected, processed, stored, or transmitted through the Software complies with applicable data protection and privacy laws in all relevant jurisdictions.
This includes, without limitation, obtaining any necessary consents from users, providing required disclosures, implementing lawful data processing practices, and honoring user rights such as access, correction, or deletion where applicable.
Disruptive Studio provides technical infrastructure designed to support secure operations; however, clients are responsible for how they use the Software in relation to personal data and for ensuring that their internal practices meet applicable legal and regulatory requirements.
Clients are responsible for implementing appropriate security measures within their own operations, including access controls, credential management, and internal policies to prevent unauthorized access or misuse of data.
Clients must ensure that any third parties with access to the Software or related data, including employees, contractors, or service providers, are subject to appropriate confidentiality and data protection obligations.
While Disruptive Studio may implement reasonable security measures at the platform level, no system can be guaranteed to be completely secure. Clients acknowledge and accept the inherent risks associated with internet-based systems and are responsible for implementing additional safeguards as appropriate for their business.
Clients are encouraged to maintain their own backups of critical data where necessary and to implement internal procedures for data recovery and business continuity.
Disruptive Studio shall not be responsible for any data breaches, losses, or unauthorized access arising from client actions, third-party services, or factors outside its reasonable control.
These responsibilities are intended to ensure that data is handled responsibly and securely while preserving the flexibility of the platform for client use.
THIRD-PARTY SERVICES AND INTEGRATIONS
The Software may allow or support integration with third-party services, including, without limitation, payment processors, messaging providers, blockchain networks, hosting services, APIs, and other external platforms.
Such third-party services are operated independently and are not owned, controlled, or managed by Disruptive Studio. Disruptive Studio does not guarantee the availability, performance, security, or compliance of any third-party service.
Clients are solely responsible for selecting, implementing, and using any third-party integrations in connection with the Software. This includes ensuring that such services comply with applicable laws and meet the client’s operational, security, and compliance requirements.
Any terms, conditions, policies, or agreements governing third-party services are between the client and the respective third-party provider. Disruptive Studio is not a party to such agreements and assumes no responsibility or liability arising from them.
Clients acknowledge that the use of third-party services may introduce additional risks, including service interruptions, data exposure, compliance issues, or operational dependencies. Clients assume all risks associated with such integrations.
Disruptive Studio may provide technical capabilities to enable integrations but does not validate or endorse any third-party service. The availability of an integration feature does not imply approval of the underlying service.
Where necessary to protect the platform or ensure operational integrity, Disruptive Studio may limit, restrict, or disable certain integrations, particularly if they present security, legal, or performance risks.
Clients are responsible for monitoring the performance and compliance of any third-party services they use in connection with the Software and for taking appropriate action if issues arise.
These provisions are intended to clarify the separation of responsibility between the Software platform and any external services used by clients.
THIRD-PARTY SERVICES AND INTEGRATIONS
The Software may allow or support integration with third-party services, including, without limitation, payment processors, messaging providers, blockchain networks, hosting services, APIs, and other external platforms.
Such third-party services are operated independently and are not owned, controlled, or managed by Disruptive Studio. Disruptive Studio does not guarantee the availability, performance, security, or compliance of any third-party service.
Clients are solely responsible for selecting, implementing, and using any third-party integrations in connection with the Software. This includes ensuring that such services comply with applicable laws and meet the client’s operational, security, and compliance requirements.
Any terms, conditions, policies, or agreements governing third-party services are between the client and the respective third-party provider. Disruptive Studio is not a party to such agreements and assumes no responsibility or liability arising from them.
Clients acknowledge that the use of third-party services may introduce additional risks, including service interruptions, data exposure, compliance issues, or operational dependencies. Clients assume all risks associated with such integrations.
Disruptive Studio may provide technical capabilities to enable integrations but does not validate or endorse any third-party service. The availability of an integration feature does not imply approval of the underlying service.
Where necessary to protect the platform or ensure operational integrity, Disruptive Studio may limit, restrict, or disable certain integrations, particularly if they present security, legal, or performance risks.
Clients are responsible for monitoring the performance and compliance of any third-party services they use in connection with the Software and for taking appropriate action if issues arise.
These provisions are intended to clarify the separation of responsibility between the Software platform and any external services used by clients.
RECORDKEEPING AND INTERNAL CONTROLS
Clients are responsible for maintaining accurate, complete, and up-to-date records of their business activities conducted through the Software. This includes, without limitation, records related to users, transactions, commissions, communications, and any financial or operational data relevant to their business.
Clients must ensure that their recordkeeping practices comply with all applicable legal and regulatory requirements, including any obligations related to financial reporting, consumer protection, tax compliance, or audit requirements in their respective jurisdictions.
The Software may provide tools for data storage, reporting, and analytics; however, clients are responsible for verifying the accuracy of their data and for maintaining any additional records required for compliance purposes.
Clients are expected to implement appropriate internal controls to manage their operations, including processes for monitoring transactions, reviewing user activity, handling disputes, and detecting irregular or potentially harmful behavior.
Clients should establish procedures for addressing complaints, refunds, disputes, and customer inquiries in a timely and transparent manner, consistent with applicable laws and industry standards.
Where applicable, clients should maintain documentation supporting their compensation structures, marketing claims, and business practices, including evidence of product or service value and compliance with applicable direct selling regulations.
Disruptive Studio does not maintain official records on behalf of clients for legal or regulatory purposes and shall not be responsible for record retention, audit readiness, or compliance documentation.
Clients are encouraged to implement backup and data retention strategies appropriate to their business needs, including periodic exports of critical data where necessary.
These practices are intended to support transparency, accountability, and compliance in the client’s use of the Software.
AUDITS AND COMPLIANCE REVIEWS
Disruptive Studio may, from time to time, conduct reasonable compliance reviews to ensure that the Software is being used in accordance with this Compliance Manual, the applicable Terms, and relevant laws and regulations.
Such reviews are limited in scope and are intended to assess general risk indicators, system configurations, and patterns of use. They do not constitute a full audit of the client’s business and do not imply approval or certification of the client’s operations.
As part of a compliance review, Disruptive Studio may request information from the client regarding its business model, compensation structure, user flows, marketing practices, or use of specific features within the Software.
Clients are expected to cooperate in good faith with such requests and to provide accurate and complete information within a reasonable timeframe.
If a compliance review identifies potential risks, inconsistencies, or areas of concern, Disruptive Studio may request clarifications, recommend adjustments, or implement reasonable limitations on certain functionalities.
In cases where identified risks cannot be adequately addressed, or where the client fails to cooperate, Disruptive Studio may suspend or restrict access to the Software in accordance with the applicable Terms.
Compliance reviews are conducted solely for the purpose of protecting the platform, its users, and its partners. They do not create any obligation for Disruptive Studio to monitor, validate, or ensure ongoing compliance of the client’s business.
Clients remain solely responsible for ensuring that their operations comply with all applicable legal and regulatory requirements.
These practices are intended to support a secure, reliable, and compliant platform environment.
AUDITS AND COMPLIANCE REVIEWS
Disruptive Studio may, from time to time, conduct reasonable compliance reviews to ensure that the Software is being used in accordance with this Compliance Manual, the applicable Terms, and relevant laws and regulations.
Such reviews are limited in scope and are intended to assess general risk indicators, system configurations, and patterns of use. They do not constitute a full audit of the client’s business and do not imply approval or certification of the client’s operations.
As part of a compliance review, Disruptive Studio may request information from the client regarding its business model, compensation structure, user flows, marketing practices, or use of specific features within the Software.
Clients are expected to cooperate in good faith with such requests and to provide accurate and complete information within a reasonable timeframe.
If a compliance review identifies potential risks, inconsistencies, or areas of concern, Disruptive Studio may request clarifications, recommend adjustments, or implement reasonable limitations on certain functionalities.
In cases where identified risks cannot be adequately addressed, or where the client fails to cooperate, Disruptive Studio may suspend or restrict access to the Software in accordance with the applicable Terms.
Compliance reviews are conducted solely for the purpose of protecting the platform, its users, and its partners. They do not create any obligation for Disruptive Studio to monitor, validate, or ensure ongoing compliance of the client’s business.
Clients remain solely responsible for ensuring that their operations comply with all applicable legal and regulatory requirements.
These practices are intended to support a secure, reliable, and compliant platform environment.
AUDITS AND COMPLIANCE REVIEWS
Disruptive Studio may, from time to time, conduct reasonable compliance reviews to ensure that the Software is being used in accordance with this Compliance Manual, the applicable Terms, and relevant laws and regulations.
Such reviews are limited in scope and are intended to assess general risk indicators, system configurations, and patterns of use. They do not constitute a full audit of the client’s business and do not imply approval or certification of the client’s operations.
As part of a compliance review, Disruptive Studio may request information from the client regarding its business model, compensation structure, user flows, marketing practices, or use of specific features within the Software.
Clients are expected to cooperate in good faith with such requests and to provide accurate and complete information within a reasonable timeframe.
If a compliance review identifies potential risks, inconsistencies, or areas of concern, Disruptive Studio may request clarifications, recommend adjustments, or implement reasonable limitations on certain functionalities.
In cases where identified risks cannot be adequately addressed, or where the client fails to cooperate, Disruptive Studio may suspend or restrict access to the Software in accordance with the applicable Terms.
Compliance reviews are conducted solely for the purpose of protecting the platform, its users, and its partners. They do not create any obligation for Disruptive Studio to monitor, validate, or ensure ongoing compliance of the client’s business.
Clients remain solely responsible for ensuring that their operations comply with all applicable legal and regulatory requirements.
These practices are intended to support a secure, reliable, and compliant platform environment.
AUDITS AND COMPLIANCE REVIEWS
Disruptive Studio may, from time to time, conduct reasonable compliance reviews to ensure that the Software is being used in accordance with this Compliance Manual, the applicable Terms, and relevant laws and regulations.
Such reviews are limited in scope and are intended to assess general risk indicators, system configurations, and patterns of use. They do not constitute a full audit of the client’s business and do not imply approval or certification of the client’s operations.
As part of a compliance review, Disruptive Studio may request information from the client regarding its business model, compensation structure, user flows, marketing practices, or use of specific features within the Software.
Clients are expected to cooperate in good faith with such requests and to provide accurate and complete information within a reasonable timeframe.
If a compliance review identifies potential risks, inconsistencies, or areas of concern, Disruptive Studio may request clarifications, recommend adjustments, or implement reasonable limitations on certain functionalities.
In cases where identified risks cannot be adequately addressed, or where the client fails to cooperate, Disruptive Studio may suspend or restrict access to the Software in accordance with the applicable Terms.
Compliance reviews are conducted solely for the purpose of protecting the platform, its users, and its partners. They do not create any obligation for Disruptive Studio to monitor, validate, or ensure ongoing compliance of the client’s business.
Clients remain solely responsible for ensuring that their operations comply with all applicable legal and regulatory requirements.
These practices are intended to support a secure, reliable, and compliant platform environment.
INTERPRETATION AND ENFORCEMENT
This Compliance Manual is intended to establish general standards and expectations for the use of the Software. It is not an exhaustive list of all possible prohibited or restricted activities.
In cases where a specific activity, configuration, or use of the Software is not expressly addressed in this Manual, Disruptive Studio reserves the right to evaluate such activity in light of the overall purpose of this Manual, applicable laws, and the need to protect the platform and its users.
Disruptive Studio shall have the right, in its reasonable discretion, to interpret and apply the provisions of this Manual, including determining whether a particular use constitutes acceptable use, high-risk activity, or prohibited conduct.
The absence of a specific restriction shall not be interpreted as permission or approval. Clients are expected to exercise independent judgment and, where appropriate, seek professional advice before implementing business models or features through the Software.
Disruptive Studio’s decisions regarding interpretation and enforcement are intended to be reasonable and proportionate, taking into account the information available, the level of risk, and the potential impact on the platform.
This Manual operates in conjunction with Disruptive Studio’s Terms and Conditions and other applicable policies. In the event of any conflict, the Terms and Conditions shall prevail.
Failure by Disruptive Studio to enforce any provision of this Manual in a particular instance shall not constitute a waiver of its right to enforce such provision or any other provision in the future.
These principles ensure that the Manual remains flexible, effective, and capable of addressing evolving risks and use cases.
LIMITATION OF RESPONSIBILITY
Disruptive Studio provides the Software as a technology platform and does not participate in, control, or assume responsibility for any client’s business operations, commercial activities, or outcomes.
Clients acknowledge that all business decisions, configurations, compensation structures, financial flows, marketing practices, and user interactions conducted through the Software are solely determined and managed by the client.
Disruptive Studio does not guarantee the legality, compliance, profitability, sustainability, or performance of any business model implemented through the Software. The availability of features or functionality does not constitute approval, endorsement, or validation of any specific use.
Clients are solely responsible for ensuring that their activities comply with all applicable laws and regulations, including those related to consumer protection, financial practices, direct selling, data privacy, and advertising.
Disruptive Studio shall not be responsible for any losses, damages, claims, or liabilities arising from or related to the client’s use of the Software, including but not limited to business losses, regulatory actions, disputes with users, or third-party claims.
Disruptive Studio shall not be responsible for any actions or omissions of the client’s users, affiliates, distributors, employees, contractors, or third parties interacting with the client’s system.
Clients acknowledge that use of the Software involves inherent risks, including operational, technical, and regulatory risks, and accept full responsibility for evaluating and managing such risks.
Nothing in this Compliance Manual shall be interpreted as creating any partnership, joint venture, agency, or fiduciary relationship between Disruptive Studio and any client.
This limitation of responsibility is a fundamental condition for access to and use of the Software and is intended to clearly define the separation between the technology provider and client-operated businesses.
LIMITATION OF RESPONSIBILITY
Disruptive Studio provides the Software as a technology platform and does not participate in, control, or assume responsibility for any client’s business operations, commercial activities, or outcomes.
Clients acknowledge that all business decisions, configurations, compensation structures, financial flows, marketing practices, and user interactions conducted through the Software are solely determined and managed by the client.
Disruptive Studio does not guarantee the legality, compliance, profitability, sustainability, or performance of any business model implemented through the Software. The availability of features or functionality does not constitute approval, endorsement, or validation of any specific use.
Clients are solely responsible for ensuring that their activities comply with all applicable laws and regulations, including those related to consumer protection, financial practices, direct selling, data privacy, and advertising.
Disruptive Studio shall not be responsible for any losses, damages, claims, or liabilities arising from or related to the client’s use of the Software, including but not limited to business losses, regulatory actions, disputes with users, or third-party claims.
Disruptive Studio shall not be responsible for any actions or omissions of the client’s users, affiliates, distributors, employees, contractors, or third parties interacting with the client’s system.
Clients acknowledge that use of the Software involves inherent risks, including operational, technical, and regulatory risks, and accept full responsibility for evaluating and managing such risks.
Nothing in this Compliance Manual shall be interpreted as creating any partnership, joint venture, agency, or fiduciary relationship between Disruptive Studio and any client.
This limitation of responsibility is a fundamental condition for access to and use of the Software and is intended to clearly define the separation between the technology provider and client-operated businesses.
BUSINESS MODEL INDEPENDENCE
Clients operate independently from Disruptive Studio and are solely responsible for the design, implementation, and execution of their business models.
Disruptive Studio does not design, control, or influence client compensation plans, pricing strategies, product offerings, marketing approaches, or distribution structures. All such elements are determined exclusively by the client.
The Software provides configurable tools that may be used in a variety of ways; however, the manner in which these tools are configured and applied is entirely under the client’s control and responsibility.
Disruptive Studio does not review, approve, or certify the legality or compliance of any client’s business model. Clients must independently ensure that their operations meet all applicable legal and regulatory requirements.
Clients acknowledge that similar tools or functionalities may be used across different industries and use cases, and that the availability of such features does not imply suitability for any particular purpose.
Clients are responsible for evaluating whether their intended use of the Software aligns with applicable laws, industry standards, and best practices in their jurisdiction.
Disruptive Studio maintains a neutral position with respect to client business models and does not assume any role in the client’s commercial relationships, user interactions, or financial activities.
This separation ensures that clients retain full control over their operations while Disruptive Studio remains focused on providing a reliable and flexible technology platform.
BUSINESS MODEL INDEPENDENCE
Clients operate independently from Disruptive Studio and are solely responsible for the design, implementation, and execution of their business models.
Disruptive Studio does not design, control, or influence client compensation plans, pricing strategies, product offerings, marketing approaches, or distribution structures. All such elements are determined exclusively by the client.
The Software provides configurable tools that may be used in a variety of ways; however, the manner in which these tools are configured and applied is entirely under the client’s control and responsibility.
Disruptive Studio does not review, approve, or certify the legality or compliance of any client’s business model. Clients must independently ensure that their operations meet all applicable legal and regulatory requirements.
Clients acknowledge that similar tools or functionalities may be used across different industries and use cases, and that the availability of such features does not imply suitability for any particular purpose.
Clients are responsible for evaluating whether their intended use of the Software aligns with applicable laws, industry standards, and best practices in their jurisdiction.
Disruptive Studio maintains a neutral position with respect to client business models and does not assume any role in the client’s commercial relationships, user interactions, or financial activities.
This separation ensures that clients retain full control over their operations while Disruptive Studio remains focused on providing a reliable and flexible technology platform.
FINANCIAL FLOW AND PAYMENT RESPONSIBILITY
Clients are solely responsible for all financial activities conducted through or in connection with the Software, including the collection, management, distribution, and reporting of funds.
The Software may provide tools to configure compensation systems, track balances, or integrate with payment providers; however, Disruptive Studio does not process, hold, transmit, or control client funds.
Clients are responsible for selecting and managing any payment processors, banking partners, or financial service providers used in their operations. All financial relationships and obligations related to such providers are solely between the client and the respective third party.
Clients must ensure that all financial flows implemented through the Software are lawful, transparent, and compliant with applicable regulations, including those related to anti-money laundering, consumer protection, and financial reporting.
Clients are responsible for accurately calculating, reporting, and distributing commissions, payouts, or other financial benefits to their users, in accordance with their own business rules and applicable laws.
Disruptive Studio does not guarantee the accuracy of financial outcomes generated by client-configured systems and shall not be responsible for discrepancies, errors, or disputes arising from client-defined compensation structures or financial logic.
Clients must maintain appropriate records of all financial transactions and ensure that such records meet any applicable legal or audit requirements.
Any disputes related to payments, commissions, or financial transactions between clients and their users or third parties are the sole responsibility of the client.
Disruptive Studio may, where necessary to protect the platform or comply with legal obligations, limit or disable certain financial-related features, particularly where risks are identified.
This section clarifies that all financial responsibility remains with the client and that Disruptive Studio operates solely as a technology provider.
MARKETING AND REPRESENTATIONS
Clients are solely responsible for all marketing, promotional, and communication activities conducted in connection with their use of the Software.
All statements, claims, and representations made by the client or its users, including but not limited to income claims, product descriptions, business opportunities, or performance expectations, must be accurate, truthful, and compliant with applicable laws and advertising standards.
Clients must not make misleading, deceptive, or unsubstantiated claims, including exaggerated earnings potential, guaranteed returns, or representations that could create false expectations among users or the public.
Clients must ensure that their marketing practices comply with all applicable regulations, including consumer protection laws, advertising laws, and any rules specific to direct selling or multi-level marketing.
The Software may provide tools to facilitate communication or content distribution; however, Disruptive Studio does not create, review, approve, or endorse any marketing content generated by clients.
Clients are responsible for monitoring the communications of their users, affiliates, or distributors and for taking appropriate action in response to non-compliant or misleading behavior.
Any use of Disruptive Studio’s name, brand, or platform in client marketing materials must be accurate and must not imply endorsement, partnership, or validation unless expressly authorized in writing.
Disruptive Studio reserves the right to request removal or correction of marketing materials that may create legal, reputational, or operational risk.
Failure to comply with these standards may result in limitations, suspension, or termination of access to the Software.
This section is intended to promote transparent and responsible communication practices while protecting users and maintaining the integrity of the platform.
COMPLAINTS AND DISPUTE HANDLING
Clients are solely responsible for managing all complaints, disputes, claims, and inquiries arising from their business operations conducted through the Software.
This includes, without limitation, complaints related to products or services, compensation, payments, user accounts, marketing representations, or any interactions between the client and its users, affiliates, or customers.
Clients must establish and maintain clear, fair, and accessible processes for receiving, reviewing, and resolving complaints in a timely and transparent manner.
Clients are expected to communicate with their users in good faith and to make reasonable efforts to resolve disputes in accordance with applicable laws and industry standards.
Disruptive Studio does not act as a mediator, arbitrator, or adjudicator in disputes between clients and their users or third parties, and it shall have no obligation to intervene in such matters.
Clients must ensure that their terms of service, refund policies, and dispute resolution mechanisms are clearly communicated to their users and are consistent with applicable legal requirements.
Where disputes involve financial transactions, commissions, or payouts, clients are responsible for investigating and resolving such matters based on their own business rules and applicable laws.
Disruptive Studio may, at its reasonable discretion, take action if a dispute or pattern of complaints presents a risk to the platform, its users, or its partners, including requesting information or applying limitations to the client’s account.
Clients are responsible for maintaining records of complaints and resolutions where required by applicable laws or internal policies.
This section ensures that responsibility for customer and user relationships remains with the client, consistent with the independent nature of the platform.
COMPLAINTS AND DISPUTE HANDLING
Clients are solely responsible for managing all complaints, disputes, claims, and inquiries arising from their business operations conducted through the Software.
This includes, without limitation, complaints related to products or services, compensation, payments, user accounts, marketing representations, or any interactions between the client and its users, affiliates, or customers.
Clients must establish and maintain clear, fair, and accessible processes for receiving, reviewing, and resolving complaints in a timely and transparent manner.
Clients are expected to communicate with their users in good faith and to make reasonable efforts to resolve disputes in accordance with applicable laws and industry standards.
Disruptive Studio does not act as a mediator, arbitrator, or adjudicator in disputes between clients and their users or third parties, and it shall have no obligation to intervene in such matters.
Clients must ensure that their terms of service, refund policies, and dispute resolution mechanisms are clearly communicated to their users and are consistent with applicable legal requirements.
Where disputes involve financial transactions, commissions, or payouts, clients are responsible for investigating and resolving such matters based on their own business rules and applicable laws.
Disruptive Studio may, at its reasonable discretion, take action if a dispute or pattern of complaints presents a risk to the platform, its users, or its partners, including requesting information or applying limitations to the client’s account.
Clients are responsible for maintaining records of complaints and resolutions where required by applicable laws or internal policies.
This section ensures that responsibility for customer and user relationships remains with the client, consistent with the independent nature of the platform.
PLATFORM INTEGRITY AND FAIR USE
Clients are expected to use the Software in a manner that preserves the stability, performance, and integrity of the platform.
Clients must not engage in any activity that may disrupt, overload, degrade, or otherwise negatively impact the operation of the Software, including excessive or abnormal use of system resources beyond reasonable operational needs.
The use of automated scripts, bots, or bulk operations that generate artificial traffic, manipulate system behavior, or create disproportionate load on the platform is not permitted unless expressly authorized.
Clients must not attempt to bypass system limitations, exploit vulnerabilities, interfere with security mechanisms, or gain unauthorized access to any part of the Software or related systems.
Clients are responsible for ensuring that their configurations, integrations, and usage patterns do not create instability or performance issues for the platform or other users.
Disruptive Studio may implement technical safeguards, usage thresholds, or resource limitations to maintain platform performance and reliability.
Where necessary, Disruptive Studio may limit or restrict certain activities, features, or usage patterns that are determined to pose a risk to system integrity.
Clients are expected to cooperate with reasonable requests to adjust usage patterns or configurations in order to maintain platform stability.
Failure to comply with fair use expectations may result in temporary limitations, suspension, or termination of access to the Software.
This section is intended to ensure a stable and reliable environment for all users of the platform.
CHARGEBACKS AND PAYMENT DISPUTES
Clients are responsible for managing their billing practices and ensuring that all charges made to their users are clearly disclosed, properly authorized, and consistent with applicable laws and their own terms and policies.
Clients must establish clear refund policies, billing disclosures, and customer communication practices to minimize disputes and chargebacks.
Clients are responsible for handling all chargebacks, disputes, or payment reversals initiated by their users, including responding to inquiries, providing documentation, and resolving issues in accordance with the rules of their payment providers and applicable laws.
Disruptive Studio does not process client payments and is not responsible for any chargebacks, disputes, or financial claims arising between clients and their users.
Clients must not engage in practices that increase the likelihood of chargebacks, including misleading offers, unclear billing terms, unauthorized charges, or failure to provide adequate customer support.
A high volume of disputes or chargebacks may indicate elevated risk. In such cases, Disruptive Studio may request information, recommend corrective actions, or apply reasonable limitations to protect the platform and its partners.
Clients are responsible for maintaining relationships with their payment processors and ensuring compliance with the terms and requirements of such providers.
Disruptive Studio reserves the right to take appropriate action if payment-related risks are identified, including restricting access to certain features or suspending services where necessary.
This section is intended to promote transparent billing practices and reduce financial risk across the platform.
TERMINATION AND EXIT RESPONSIBILITIES
Clients may discontinue use of the Software at any time in accordance with the applicable Terms and Conditions; however, termination of access to the Software does not relieve the client of any obligations arising from its prior use of the platform.
Upon termination, clients are responsible for managing the closure or transition of their operations, including notifying users, resolving outstanding obligations, and ensuring continuity where required.
Clients are responsible for addressing any pending payments, commissions, refunds, or disputes with their users or third parties following termination.
Disruptive Studio does not manage or oversee the client’s shutdown process and shall not be responsible for any operational, financial, or reputational impact resulting from the termination of services.
Clients are encouraged to export or retain any data necessary for their records prior to termination, in accordance with the capabilities provided by the Software.
Disruptive Studio may, in accordance with its Terms, limit access to or delete data following termination. Clients are responsible for understanding and managing any data retention requirements applicable to their business.
Termination of access to the Software does not constitute a transfer of responsibility to Disruptive Studio for any client activities conducted prior to termination.
Clients remain solely responsible for compliance with any post-termination obligations, including legal, financial, or regulatory requirements applicable to their operations.
This section clarifies that responsibility for business operations and obligations continues with the client beyond the use of the Software.
TERMINATION AND EXIT RESPONSIBILITIES
Clients may discontinue use of the Software at any time in accordance with the applicable Terms and Conditions; however, termination of access to the Software does not relieve the client of any obligations arising from its prior use of the platform.
Upon termination, clients are responsible for managing the closure or transition of their operations, including notifying users, resolving outstanding obligations, and ensuring continuity where required.
Clients are responsible for addressing any pending payments, commissions, refunds, or disputes with their users or third parties following termination.
Disruptive Studio does not manage or oversee the client’s shutdown process and shall not be responsible for any operational, financial, or reputational impact resulting from the termination of services.
Clients are encouraged to export or retain any data necessary for their records prior to termination, in accordance with the capabilities provided by the Software.
Disruptive Studio may, in accordance with its Terms, limit access to or delete data following termination. Clients are responsible for understanding and managing any data retention requirements applicable to their business.
Termination of access to the Software does not constitute a transfer of responsibility to Disruptive Studio for any client activities conducted prior to termination.
Clients remain solely responsible for compliance with any post-termination obligations, including legal, financial, or regulatory requirements applicable to their operations.
This section clarifies that responsibility for business operations and obligations continues with the client beyond the use of the Software.
NO WAIVER AND RIGHTS RESERVATION
The failure or delay by Disruptive Studio to exercise any right, power, or remedy under this Compliance Manual shall not operate as a waiver of such right, power, or remedy.
Any waiver of any provision must be made in writing and shall apply only to the specific instance for which it is granted. No waiver shall be deemed a continuing waiver or a waiver of any other provision.
Disruptive Studio reserves all rights not expressly granted in this Compliance Manual, including the right to interpret, enforce, and apply its policies in a manner reasonably necessary to protect its platform, users, partners, and legal interests.
Any rights or remedies available to Disruptive Studio under this Manual are cumulative and in addition to any rights or remedies available under the applicable Terms, policies, or law.
RELATIONSHIP WITH TERMS AND CONDITIONS
This Compliance Manual forms part of the overall framework governing the use of the Software and should be read together with Disruptive Studio’s Terms and Conditions, Privacy Policy, Refund Policy, and any other applicable documents.
In the event of any inconsistency between this Compliance Manual and the Terms and Conditions, the Terms and Conditions shall prevail.
Nothing in this Manual shall be interpreted as modifying, limiting, or expanding any contractual obligations beyond those expressly set forth in the applicable Terms.
FINAL PROVISIONS
This Compliance Manual is intended to promote responsible, lawful, and sustainable use of the Software while preserving flexibility for legitimate business operations.
Clients acknowledge that the Software is a general-purpose technology platform and that its proper use depends on the client’s independent judgment, compliance efforts, and business practices.
Disruptive Studio reserves the right to interpret and apply this Manual in a manner consistent with its purpose of protecting the platform, its users, and its commercial and legal interests.
If any provision of this Manual is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
This Manual shall be interpreted in accordance with applicable laws, without creating any obligation for Disruptive Studio to monitor, supervise, or ensure compliance of client activities.