Acceptable Use Policy

Preliminary document. The full Acceptable Use Policy will be expanded with sponsor bank operating-letter restrictions before operational expense card features launch. Last updated: 2026-05-06.

1. Who this applies to

This policy applies to all users of OpenClaw to Business operated by LPJ Services LLC at clawtobusiness.com, including business owners (Subscribers), end users interacting with subscriber-powered AI assistants, and any party using the platform's three operational pillars (Digital Presence, Business Infrastructure, and Operational Expense Management when launched).

2. General acceptable use

OpenClaw to Business is intended for verified businesses to:

• Operate professional digital presence (websites, AI customer communication, lead capture, SEO).
• Set up and operate U.S. business entities through our trusted partner Northwest Registered Agent.
• Manage operational business expenses (when card features launch) — advertising spend, SaaS subscriptions, operational tools.

3. Prohibited uses (general platform)

You may not use OpenClaw to Business to:

• Generate, distribute, or facilitate illegal content.
• Send unsolicited bulk communications, phishing, or abusive messages.
• Attempt to access another business's data or reverse-engineer the platform.
• Resell the service without prior written authorization.
• Perform resource-intensive operations unrelated to business operations (automated bulk extraction, scraping, model training data harvesting).
• Violate any applicable federal, state, local, or international law.
• Infringe intellectual property rights of any third party.
• Engage in deceptive, misleading, or fraudulent practices.

4. Prohibited uses (operational expense card features — when launched)

When operational expense card features launch, the following uses are prohibited under both our policy and the sponsor bank's operating letter:

4.1 Strictly prohibited under any circumstances

• Consumer use — cards may not be used for personal, family, or household expenses.
• Lending without applicable licenses — cards may not be issued or used as a substitute for credit, loan, or factoring products that require state or federal lending licenses.
• Payroll disbursement — cards may not be used to pay employee wages as a workaround to compliant payroll systems and tax withholding.
• Retail scalping — purchasing in-demand inventory (sneakers, electronics, event tickets) for arbitrage resale.
• Free-trial abuse — using disposable card credentials to evade trial-period restrictions on third-party services.
• Stored-value resale — selling balances, credits, or program access maintained on the cards to third parties.
• Cryptocurrency trading — using cards to fund speculative crypto purchases or trading.

4.2 Restricted by sponsor bank policy (subject to program rules)

• Gambling and gaming-related transactions.
• Cannabis, marijuana, and CBD products (state-dependent and program-dependent).
• Adult content and adult-services merchant categories.
• Specific high-risk Merchant Category Codes (MCCs) flagged by the sponsor bank.
• Foreign exchange beyond ordinary operational FX needs.

5. Verification and ongoing monitoring

Use of operational expense card features requires:

• Successful Know-Your-Business (KYB) verification of the legal entity.
• Successful Know-Your-Customer (KYC) verification of beneficial owners and control persons.
• Acknowledgment of this Acceptable Use Policy with timestamp and IP record.
• Ongoing transaction monitoring per Bank Secrecy Act and sponsor bank requirements.
• Sanctions screening at onboarding and continuously throughout the relationship.

6. Consequences of violation

Violation of this Acceptable Use Policy may result in:

• Immediate freeze of cards or operational accounts.
• Account suspension or termination without refund.
• Filing of regulatory reports (SAR, CTR) where required by law.
• Cooperation with law enforcement where legally compelled.
• Civil action to recover losses or enforce contractual remedies.

7. Reporting violations

If you believe another user is violating this policy, contact: [email protected]

8. Changes to this policy

We may update this Acceptable Use Policy as our compliance program evolves and as sponsor bank rules change. Material changes will be communicated with at least 30 days prior notice via email to subscribers.

9. Contact

Questions about acceptable use, contact: [email protected]

LPJ SERVICES LLC
6800 NW 39th Ave
Coconut Creek, FL 33073
United States