Terms & Conditions (T&C) – shittest.me

1. Scope of Application

These Terms & Conditions ("T&C") govern all services provided by
Shittest me Ltd
("Provider")
to the client ("Client").

By registering, placing an order, or using the services, the Client accepts these T&C in full.

2. Service Description

(1) The Provider conducts payment tests, PSP tests, KYC/KYB flow evaluations, UX/UI checks, localization checks, and platform testing, primarily within the iGaming, FinTech, High-Risk, and eCommerce industries.

(2) All services are conducted strictly for analysis, QA, compliance and reporting purposes.
The Provider does not:

• offer payment services,
• process funds on behalf of clients,
• engage in gambling operations,
• manage player accounts or balance movements.

(3) Each test may include:

• Account registration
• Deposit, withdrawal or payment scenario testing (within limits)
• Screenshots, videos and documentation
• UX/UI, localization and functional assessment
• Issue reporting and recommendations

3. Transaction Limits

(1) The maximum deposit per test is USD 50, unless explicitly approved in writing by the Provider.

(2) Higher amounts are prohibited for AML, risk and compliance reasons.

(3) Test deposits are testing costs, not user funds.
No refunds, withdrawals, or reclaiming of deposited amounts are possible.

4. Prohibited Test Requests

The Provider will not conduct tests that are illegal or violate regulatory, banking or PSP rules, including but not limited to:

• Tests on unlicensed gambling platforms in regulated markets
• Tests intended to hide, bypass or manipulate PSP rules
• Use of stolen, fake or compromised payment instruments
• Fake identity verification, forged documents or fake KYC
• Activities classified as money laundering, tax evasion or fraudulent
• Manipulation of MID risk scores, chargeback ratios or fraud thresholds
• Testing on prohibited products or services
• Tests involving VPNs/Proxies where restricted by law or PSP rules

The Provider may reject, suspend, or terminate any test or client account at any time without justification.

5. AML / KYC / KYB Requirements

(1) Due to the nature of high-risk operations, all Clients must pass enhanced AML/KYC/KYB procedures.

These may include:

• Company documents
• Proof of incorporation
• Ultimate Beneficial Owner (UBO) declaration
• Proof of address and identity
• Proof of funds, if required

(2) The Provider may reject or suspend a Client without explanation if AML/KYC results are unsatisfactory.

(3) If AML, fraud, terrorism financing or suspicious activity indicators arise, the Provider may:

• Immediately block the Client account
• Halt all active tests
• Permanently blacklist the Client
• Report the activity to relevant authorities (if legally required)

6. Account Suspension & Termination

The Provider may block or terminate a Client account immediately if:

• There are inconsistencies in Client behaviour
• AML/KYC documentation is missing or suspicious
• Illegal tests are requested
• Fraud, chargeback risk or PSP violations are detected
• Technical, security or compliance risks arise
• The Client provides vague or contradictory instructions
• The Client attempts to influence test outcomes

No explanation is required for suspensions.

7. High-Risk iGaming Liability Disclaimer

(1) The Client acknowledges that testing in iGaming markets involves high regulatory, legal and transactional risks.

(2) The Provider assumes no liability for:

• PSP approvals, rejections or risk flags
• Acquirer-level reviews or MID closures
• Compliance status of the Client's platform
• Licensing requirements of the Client's markets
• Regulatory intervention or audits triggered by test activity
• Risk categorization by banks, PSPs or card schemes
• Reputational impacts on the Client's business

Responsibility remains fully with the Client.

8. PSP / Banking / Payment Flow Risks

(1) The Provider is not responsible for:

• Lost, delayed or blocked deposits
• PSP downtime or banking errors
• Fraud-scoring decisions by acquirers
• Transaction monitoring queues or manual reviews
• Card declines related to geo-restrictions or issuer policies
• Regulatory or scheme-based blocking (Visa/MC rules)

(2) The Client accepts that many risk parameters are outside the Provider's control.

9. Forbidden Intentions

The Provider will not participate in or support:

• Chargeback engineering
• Card scheme manipulation
• Merchant category code (MCC) evasion
• Layering or structuring of payments
• Testing with the intent to defraud PSPs or banks
• Artificial increase of transaction volume for boosting merchant approvals
• Circumventing deposit limits, velocity checks, KYC or AML triggers

Clients who attempt these actions will be permanently blacklisted.

10. Internal Risk Analysis & Emergency Stop

(1) The Provider performs continuous internal risk assessment.

(2) The Provider may stop tests immediately if:

• Suspicious behaviour is detected
• Unusual or dangerous instructions are given
• Legal or compliance conflicts arise
• PSPs or banks issue warnings
• Tester safety or legal compliance is at risk

(3) No refunds or compensations are provided for emergency terminations.

11. Client Compliance Responsibility

(1) The Client is solely responsible for ensuring that all tests are legal in the target jurisdiction.

(2) The Client is fully responsible for:

• Licensing (gambling or non-gambling)
• PSP/Acquirer approval and compliance
• AML/CTF adherence
• Visa/MC scheme rules
• Local market regulations
• GDPR and data protection
• Consumer protection and gambling responsibility laws

The Provider does not verify or guarantee compliance.

12. Reputational Risk Disclaimer

The Provider is not liable for:

• Merchant reputation damage
• PSP risk scoring changes
• Negative risk category escalations
• Regulatory questions or audits
• Any action taken by acquirers, card schemes or banks

Risk is exclusively on the Client.

13. Ownership of Reports

(1) All reports, screenshots, videos and documentation remain intellectual property of the Provider.

(2) The Client receives a non-exclusive internal-use license.

(3) Public distribution, resale or reproduction require written approval.

14. Payment Terms

• Payments must be made in advance unless agreed otherwise.
• Chargebacks result in immediate account termination.
• No refunds for completed or partially completed tests.

15. Governing Law & Jurisdiction

These T&C are governed by the laws of Cyprus.
Exclusive place of jurisdiction is Limassol, Cyprus.

16. Final Provisions

(1) The Provider may modify these T&C at any time.

(2) Continued usage constitutes acceptance.

(3) If any clause is invalid, the remaining clauses stay in effect.