SForest

Financial & Merchant Policies

Last Updated: January 1, 2026

Fraud Prevention Policy

1. Purpose

Prevent and mitigate fraudulent activity affecting users, merchants, or the platform.

2. Monitoring

  • Automated and manual review of payment and account activity
  • Behavioral analysis, device fingerprinting, IP/geolocation checks

3. Risk Indicators

  • Rapid or unusual transaction patterns
  • Failed payment attempts, multiple chargebacks
  • Mismatched account information

4. Actions

  • Account or transaction suspension
  • Temporary holds pending verification
  • Merchant review and investigation

5. Escalation

Fraud team → Compliance → Legal

Document all investigations and resolutions

6. Record-Keeping

  • Maintain fraud logs for minimum 5 years
  • Retain evidence for audits and regulatory reviews

Sanctions Compliance Statement

1. Scope

  • Prevent transactions with sanctioned individuals, entities, or countries.
  • Screen all users and merchants against OFAC, EU, UK, UN lists.

2. Controls

  • Automated screening at onboarding and periodic intervals
  • High-risk geographies restricted
  • Transactions flagged or blocked automatically

3. Reporting

Escalate and report suspicious transactions to authorities as required.

4. Governing Law

Washington State, USA. Dispute resolution per Terms of Service.

Chargeback & Dispute Handling Policy

1. Notification

Company notifies merchants immediately upon dispute or chargeback.

2. Timeline

  • Merchant responds within 5 business days
  • Company reviews evidence and communicates with payment providers

3. Investigation

Assess validity, transaction history, and fraud indicators.

Decision: uphold, reverse, or adjust transaction

4. Record-Keeping

  • All disputes logged minimum 5 years
  • Audit-ready documentation

5. Governing Law

Washington State, USA

Merchant / Publisher Agreement

This Merchant / Publisher Agreement (“Agreement”) governs the distribution of digital content through SLUMBERING FOREST LLC.

1. Appointment & Scope

  • Merchant grants Company non-exclusive license to distribute content
  • Applies to digital games, DLCs, in-app purchases

2. Revenue & Settlement

  • Revenue share defined per schedule
  • Settlement monthly or as agreed
  • Fees, taxes, and currency conversion responsibility defined

3. Merchant Representations

📝Ownership of content and rights
⚖️Compliance with AML/CFT, sanctions, IP laws
🔞No distribution to minors

4. Compliance Policies

  • DPA: Merchant data processing
  • Payments & Refund Policy
  • AML / CFT Policy
  • Fraud Prevention Policy
  • Sanctions Compliance Statement

5. Termination

  • Company may terminate for legal, policy, or compliance violations
  • Post-termination: access revoked, unsettled amounts processed per agreement

6. Liability

Limited to total revenue paid to Company in prior 12 months. No indirect or consequential damages.

7. Governing Law

Washington State, USA. Arbitration (AAA / JAMS), individual claims only, no class actions.

8. Entire Agreement

Includes all referenced policies and attachments. Order of precedence: DPA > Policies > Terms of Service > Agreement