Privacy Policy

• From distributors: business name, EIN, website URL, contact email, monthly processing volume estimate, buyer-base description, and onboarding documentation (entity records, certificates of analysis, storefront URLs).
• From verified counterparties on connected storefronts: institution name, professional credentials, stated research purpose, IP address, timestamp, attestation signature, and the cryptographic hash of the signed agreement.
• Automatically: log data, device identifiers, scan results from compliance monitoring, and processor-related metadata.

To operate the platform, verify counterparties, generate and seal audit records, run weekly storefront compliance scans, enforce jurisdiction controls, respond to processor inquiries with exportable audit trails, communicate with distributors, prevent fraud and abuse, and comply with our legal obligations.

solRUO processes information on the basis of (a) contract performance with the distributor, (b) legitimate interests in operating a compliant payment infrastructure platform, (c) compliance with legal obligations, and (d) consent where required.

solRUO shares information with: (a) the distributor's connected payment processor, when required to substantiate a transaction, attestation, or compliance posture; (b) infrastructure subprocessors that provide hosting, database, monitoring, and email services under written contracts; (c) law enforcement or regulators when legally required; (d) successors in the event of a corporate transaction.

solRUO does not sell personal information.

Audit records and signed attestations are retained for a minimum of seven (7) years from the date of the underlying transaction, consistent with processor expectations and regulatory good-practice norms. Distributor account data is retained for the life of the account plus 24 months. You may request earlier deletion subject to legal-hold obligations.

solRUO maintains administrative, technical, and physical safeguards designed to protect information, including encryption in transit and at rest, role-based access controls, cryptographic sealing of audit records, and routine security review. No system is fully secure; solRUO does not warrant absolute security.

Depending on your jurisdiction, you may have rights to access, correct, port, or delete information about you. Distributors may exercise these rights from within the platform. Verified counterparties on a connected storefront may direct requests to the distributor; solRUO acts as a processor in that relationship.

Information may be processed in the United States. Where applicable, solRUO relies on standard contractual clauses or equivalent transfer mechanisms.

The platform is exclusively B2B and is not directed to anyone under 18. solRUO does not knowingly collect information from minors.

By submitting an application through solRUO, you automatically agree to our Terms of Service, Acceptable Use Policy, and Compliance Policy, which are incorporated by reference.

solRUO does not guarantee approval of any application, and approval is granted solely at our discretion. If approved, we do not guarantee the duration for which any account remains active, and we may suspend, restrict, or terminate any account, with or without notice, for any reason, including reasons outside of our control, such as payment processor requirements, regulatory changes, security incidents, or compliance findings.

solRUO does not hold, custody, control, or have access to your money at any point. All funds from card transactions flow directly from the payment processor to the bank account you provide during onboarding, on the processor's schedule and under the processor's terms. solRUO is not a bank, money transmitter, escrow agent, or fiduciary with respect to any funds.

solRUO is not liable, financially or otherwise, for any freeze, hold, reserve, delay, seizure, clawback, reversal, or forfeiture of funds by any payment processor, acquiring bank, card network, receiving bank, or regulator, and is not liable for any suspension, restriction, offboarding, or shutdown of your connected merchant account, regardless of cause. Full liability terms are set out in the Terms of Service and are incorporated here by reference.

solRUO operates in collaboration with Stripe as its payment processor. Stripe has reviewed and approved solRUO's compliance auditing methods, and approves the connected accounts that operate under the solRUO platform, conditioned on each RUO brand following all discretion, guidance, and directives provided by the solRUO team, including the preventive measures described in the Compliance Policy.

This approval is not a guarantee. Stripe's approval of solRUO's methods, or of any connected account, does not guarantee account approval, continued account standing, uninterrupted processing, payout timing, or protection from holds, reserves, freezes, or termination. Stripe retains sole discretion over every connected account, and solRUO makes no representation or warranty about any processor decision, present or future.

All privacy inquiries and requests, and all other questions about solRUO, must be sent to info@solruo.com. This is the single contact address for solRUO.