> ## Documentation Index
> Fetch the complete documentation index at: https://documentation.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Reviews

> Learn how account reviews work on Suby, and how to make yours successful.

As a **Merchant of Record**, Suby acts as the reseller of your digital goods and services. All accounts must pass a compliance review before going live. This involves verifying legitimacy, preventing fraud, and ensuring alignment with our acceptable use guidelines.

## Checklist

<CardGroup cols={2}>
  <Card title="Product is live" icon="circle-check">
    Your product is ready for production.
  </Card>

  <Card title="No false information" icon="circle-check">
    No fake reviews, inflated user counts, or misleading testimonials on your website.
  </Card>

  <Card title="Privacy Policy & Terms of Service" icon="circle-check">
    Both pages must be publicly accessible on your website.
  </Card>

  <Card title="Product clearly visible" icon="circle-check">
    We can understand what you sell from your landing page without guessing.
  </Card>

  <Card title="Pricing displayed" icon="circle-check">
    Pricing must be visible and accessible to users before checkout.
  </Card>

  <Card title="Branded support email" icon="circle-check">
    A reachable, branded email (e.g. `support@yourproduct.com`) not a generic Gmail address.
  </Card>

  <Card title="No trademark conflicts" icon="circle-check">
    Your product name doesn't infringe on existing trademarks or create consumer confusion.
  </Card>

  <Card title="AI content moderation" icon="circle-check">
    If your product generates AI images, video, or audio, NSFW filters are mandatory.
  </Card>
</CardGroup>

***

## How to submit

Navigate to **Balance → Payout Account** in your Suby dashboard to start the review process.

You'll need to provide:

* Your full name and/or business entity name
* Your store or product name
* The URL of your product or landing page
* A description of your business and how it operates
* A description of the products you intend to sell through Suby
* Your country of tax residency (or country of incorporation for business entities)

***

## The review process

Reviews are typically completed within **24 hours**. During peak periods, up to 48 hours.

<Steps>
  <Step title="Submit your application">
    Go to **Balance → Payout Account** and fill in your business and product details.
  </Step>

  <Step title="We review your account">
    Our team reviews your website, product, and submitted information. No action needed on your end.
  </Step>

  <Step title="Approved, you're live" stepNumber={3}>
    You'll receive an email confirmation. Payouts are now enabled.
  </Step>
</Steps>

### Common reasons for change requests

<Warning>
  These are the most frequent issues that delay or block account approval.
</Warning>

| Issue                  | Fix                                                                |
| ---------------------- | ------------------------------------------------------------------ |
| Support email mismatch | Update it in **Settings → Business Details** to match your website |
| Website not accessible | Make sure your site is live, public, and not returning errors      |
| Missing legal pages    | Add a Privacy Policy and Terms of Service                          |
| False information      | Remove fake reviews, testimonials, or inflated metrics             |
| Product not ready      | Use test mode until your product is live                           |

***

## Accepted products

Suby supports digital goods and services that can be fulfilled online. Examples include:

<CardGroup cols={3}>
  <Card title="Software & SaaS" icon="code" />

  <Card title="eBooks & PDFs" icon="book" />

  <Card title="Design assets" icon="pen-nib" />

  <Card title="Photos, video, audio" icon="photo-film" />

  <Card title="Code, fonts, icons" icon="brackets-curly" />

  <Card title="Discord & Telegram access" icon="lock-open" />

  <Card title="Online courses" icon="graduation-cap" />

  <Card title="License keys" icon="key" />

  <Card title="Premium content" icon="star" />
</CardGroup>

***

## Prohibited & restricted products

<Tabs>
  <Tab title="Prohibited">
    The following are **not permitted** on Suby. Attempting to sell these will result in suspension.

    <Warning>
      This list is non-exhaustive. Our partners and providers may flag additional categories at any time.
    </Warning>

    * Sexually-oriented or pornographic content of any kind
    * Face-swap, deepfake, and face-manipulation tools or services
    * IPTV services
    * Spyware or parental control apps
    * Products for which you do not hold proper IP rights
    * Marketplaces where you use Suby to resell other people's products
    * Dating sites
    * Counterfeit goods
    * Illegal or age-restricted products (drugs, alcohol, tobacco, vaping, puffs, nicotine pouches)
    * Regulated products (CBD, gambling, weapons, sweepstakes, lotteries, get-rich-quick schemes)
    * Regulated services (real estate, mortgage, lending, legal, banking, debt relief, warranties)
    * Pharmacies, pharmaceuticals, nutraceuticals, steroids, SARMs, peptides, hormones
    * Homework or essay mills
    * MLM, pyramid schemes, or IBO schemes
    * Cryptocurrencies, NFTs, tokens, ICOs, and mining-as-a-service
    * Forex, trading signals, copy-trading, prop firms, and high-yield investment programs
    * Crowdfunding, donation collection, fundraising platforms, and cash-advance services
    * Gift cards, prepaid cards, e-money, mobile top-ups, and money transfer services
    * Travel agencies, ticket resale, and timeshare offers
    * High-ticket coaching or mentoring promising guaranteed income or results
    * Dropshipping with delivery times exceeding 30 days
    * Auto-renewing subscriptions without clear and explicit consent (negative option billing)
    * Pre-orders or crowdfunded products that are not yet manufactured or in stock
    * Fake or fraudulent document generators (invoices, payslips, IDs, diplomas, proof of address)
    * Game cheats, hacks, bots, boosted accounts, and unauthorized in-game currency
    * Scraped data, email lists, lead databases, and personal data marketplaces
    * Sale or rental of social media, streaming, or online accounts
    * Sale of followers, likes, views, comments, or any artificial engagement
    * DRM circumvention, SIM unlocking, and jailbreak-as-a-service
    * Weapons, ammunition, weapon parts, and lethal tactical gear
    * Live animals and products derived from protected species (CITES, ivory, exotic wildlife)
    * Extremist, hateful, or violence-inciting content
    * Occult or esoteric services (psychic readings, spell casting, curse removal, love spells)
    * Kratom, kava, poppers, research chemicals, and unapproved nootropics
    * Contact lenses, medical devices, and direct-to-consumer diagnostic tests
    * Stresser, booter, or DDoS-for-hire services
    * VPNs or proxies marketed to bypass sanctions or commit fraud
    * SMS pumping, OTP bypass, and traffic-inflation services
    * OSINT or surveillance tools sold for tracking individuals without consent
  </Tab>

  <Tab title="Restricted">
    These categories require **strict due diligence**. Approval is not guaranteed — contact us before submitting.

    * Services of any kind (marketing, design, web development, consulting)
    * Job boards
    * Newsletter advertising
    * Social media advertising

    <Info>
      Reach out to [support@suby.fi](mailto:support@suby.fi) with a description of your product before you apply.
    </Info>
  </Tab>
</Tabs>

***

## Customer support requirements

<CardGroup cols={3}>
  <Card title="Branded support email" icon="envelope">
    Visible on your website and in customer receipts. Must match your product domain.
  </Card>

  <Card title="Subscription cancellation" icon="circle-xmark">
    Users must be able to cancel directly from your product via the Suby API or Customer Portal.
  </Card>

  <Card title="3-day response SLA" icon="clock">
    Respond to customer requests within 3 business days, or Suby may issue refunds on your behalf.
  </Card>
</CardGroup>

***

## Ongoing monitoring

Suby continuously monitors all active accounts, not just at onboarding. Random audits are performed at any time and are typically completed within hours.

We look at:

* Product description and accuracy
* Pricing and payment methods
* Customer support and contact information
* Website and landing page
* Risk scores across historical transactions
* Refund and chargeback ratios

<Info>
  If we detect suspicious activity, your account may be placed under review without prior notice. Maintaining compliance at all times, not just during the initial review, is your responsibility as a merchant.
</Info>