Peptide Platform Terms

1Incorporated Policies

These Terms incorporate by reference the AltirasPay Privacy Policy, Opt-In Communications, SMS and Email Preferences, Cookies and Tracking Technologies Policy, and all applicable merchant-eligibility, acceptable-use and application disclosures published on AltirasPay.ai.

Use of the Peptide Platform constitutes acceptance of these Terms and the incorporated policies.

2Limited Merchant Eligibility — 503A and 503B Only

The AltirasPay Peptide Platform is intended solely for qualifying United States pharmacy and pharmaceutical-compounding businesses operating within an applicable framework under Section 503A or Section 503B of the Federal Food, Drug, and Cosmetic Act.

2.1 503A Compounding Pharmacies. A state-licensed pharmacy lawfully conducting applicable compounding activities in accordance with Section 503A and all applicable federal and state requirements. The applicant must maintain all licenses, permits, pharmacist supervision, prescription procedures, dispensing controls, sourcing practices and other requirements applicable to its operations.

2.2 503B Outsourcing Facilities. An outsourcing facility currently registered with the United States Food and Drug Administration under Section 503B and otherwise operating subject to applicable federal and state requirements. Registration with FDA alone does not constitute a representation by AltirasPay that the facility, any particular product, or any particular transaction complies with applicable law.

2.3 Merchant of Record. The entity presented for payment-processing consideration must accurately correspond to the lawful operating entity disclosed in the application. AltirasPay may require that the merchant of record, settlement relationship, website, billing descriptor, legal entity, pharmacy or facility licenses, and applicable registrations reasonably correspond with one another.

A marketing company, shell entity, management company, research company, unrelated affiliate, laboratory supplier or other entity may not be substituted for the actual operating merchant for the purpose of obscuring the nature of the business.

3Merchant Eligibility Does Not Mean Product Eligibility

Acceptance of an application from a 503A pharmacy or 503B outsourcing facility does not mean that every product sold, prescribed, compounded, dispensed, distributed or advertised by that merchant is eligible for payment processing or lawful under applicable federal or state law.

Each merchant remains independently responsible for determining whether each compounded drug, active ingredient, bulk drug substance, formulation, prescription practice, distribution model, marketing claim and sales activity complies with applicable law.

AltirasPay does not determine whether a particular peptide may lawfully be compounded, whether a particular bulk drug substance satisfies applicable requirements, or whether a compounded preparation qualifies for an exemption under Section 503A or Section 503B.

AltirasPay may decline to submit any product, merchant, URL, formulation or business model that presents regulatory, acquiring-bank, card-network or compliance concerns.

4503A Merchant Representations

A merchant applying as a 503A compounding pharmacy represents that, to the extent applicable to its operations:

1. It maintains required pharmacy licenses and registrations.

2. Its pharmacy licenses are current and in good standing.

3. Compounding is performed by appropriately licensed persons.

4. Patient-specific prescription requirements applicable to its operations are followed.

5. Prescription, prescriber and patient information is handled in accordance with applicable law.

6. Compounded products are prepared, dispensed and distributed in accordance with applicable federal and state requirements.

7. Bulk drug substances are sourced and used only when legally permissible.

8. Required Certificates of Analysis and supplier documentation are maintained where applicable.

9. Product labeling and packaging accurately reflect the merchant’s operations and applicable requirements.

10. Advertising does not falsely represent compounded products as FDA-approved.

11. The merchant does not use the processing account for undisclosed RUO transactions.

12. The merchant will notify AltirasPay of any material change to licensing, ownership, pharmacy operations, product mix, prescribing practices or regulatory status while an application is pending.

5503B Merchant Representations

A merchant applying as a 503B outsourcing facility represents that, to the extent applicable:

1. The specific facility submitted to AltirasPay is currently registered with FDA as an outsourcing facility.

2. Required registration has been maintained and renewed.

3. Compounding is performed by or under the direct supervision of appropriately licensed pharmacists as required.

4. The facility maintains applicable current good manufacturing practice controls.

5. Applicable product-reporting and adverse-event-reporting obligations are maintained.

6. Bulk drug substances are used only when permitted under applicable law.

7. Supplier, Certificate of Analysis, manufacturing and product documentation required for its operations is maintained.

8. The facility accurately discloses inspection, warning-letter, Form FDA 483, recall and enforcement information requested by an acquiring Provider.

9. The facility does not represent FDA registration as FDA approval of its compounded products.

10. The merchant does not use the processing relationship for undisclosed RUO transactions.

6Peptide Merchant Documentation

AltirasPay or an applicable Provider may request documentation reasonably necessary to accurately identify and present the merchant, including: legal entity documentation; beneficial ownership information; state pharmacy licenses; pharmacist licensing information; FDA outsourcing-facility registration information; facility information; inspection or regulatory information; product lists; ingredient and formulation information; supplier information; Certificates of Analysis; product labels; packaging; fulfillment procedures; prescription workflows; prescribing relationships; pharmacy relationships; applicable patient workflows; websites; checkout pages; marketing materials; advertisements; social-media accounts; affiliate programs; processing history; refunds and disputes; regulatory correspondence; and other information requested by the applicable acquiring Provider.

Providing documents to AltirasPay does not constitute certification or approval of those documents by AltirasPay.

7Peptide-Specific Prohibited Conduct

In addition to the generally prohibited conduct stated elsewhere in these Terms, Peptide Platform merchants may not: disguise an RUO business as a pharmacy business; process RUO transactions through a 503A or 503B merchant account; use an approved pharmacy URL to process transactions originating from an undisclosed website; route transactions for another entity without Provider authorization; misrepresent a research product as a prescribed compounded drug; misrepresent a compounded drug as FDA-approved; misrepresent 503A status; misrepresent 503B registration; falsify pharmacy licenses; falsify prescriptions; falsify Certificates of Analysis; falsify supplier information; falsify FDA documentation; omit material regulatory correspondence requested during underwriting; conceal products from AltirasPay or the Provider; substitute product names to evade review; use undisclosed checkout pages; use undisclosed affiliate or marketing funnels; use an inaccurate merchant category code or billing descriptor; commingle transactions from an unrelated business; or instruct AltirasPay to minimize, disguise or inaccurately describe the merchant’s actual business.

8Provider Decision-Making

AltirasPay is a merchant-services sales, technology, application-support and placement-support organization. AltirasPay is not the acquiring bank and does not make the final underwriting decision.

The applicable bank, acquirer, processor or other Provider independently determines: whether it will consider the merchant; whether the products are acceptable; whether additional regulatory or legal review is required; whether the merchant must provide additional documentation; appropriate merchant classification; card-network registration requirements; pricing; reserve requirements; processing limits; settlement schedules; account conditions; approval; decline; suspension; and termination.

Eligibility to use the AltirasPay Peptide Platform does not guarantee merchant-account approval.

9No FDA, Pharmacy or Medical Endorsement

Nothing on AltirasPay.ai should be interpreted as representing that AltirasPay has determined that: a merchant complies with Section 503A; a facility complies with Section 503B; a compounded drug is legally marketable; a peptide is legally compoundable; a prescription is medically appropriate; a particular bulk drug substance may legally be used; a compounded product is safe or effective; FDA has approved a compounded drug; or a Provider will approve processing.

AltirasPay is not a pharmacy, prescriber, healthcare provider, pharmaceutical manufacturer, FDA consultant or law firm.

10Continuing Eligibility

Peptide Platform eligibility is continuing rather than one-time.

A merchant must promptly disclose any material event affecting the information submitted to AltirasPay or a Provider, including: expiration or suspension of a pharmacy license; loss or change of FDA outsourcing-facility registration; significant regulatory action; material FDA correspondence; material state pharmacy-board action; product recalls; substantial changes to products; addition of RUO products; addition of new websites or checkout pages; ownership changes; changes to fulfillment; changes to prescribing or pharmacy relationships; or material changes to the merchant’s business model.

11Suspension or Termination

AltirasPay may immediately suspend, decline or terminate Peptide Platform services when AltirasPay reasonably determines that: the merchant does not satisfy the platform’s 503A/503B eligibility requirements; the application materially misstates the merchant’s regulatory status; required pharmacy licensing cannot be verified; applicable 503B registration cannot be verified; RUO activity is discovered; the merchant attempts to place RUO transactions through an account submitted through the platform; products, URLs or sales channels were not disclosed; requested information is not provided; information provided is false or materially misleading; the applicable Provider declines the business; continued service would create unacceptable regulatory or payment-network risk; or continued service would violate law, Provider policy or these Terms.