Legal · For business accounts

Business Use Policy

Additional rules that apply when you use Hustl.it to run a business — accept payments, manage clients, or operate commercially.

Last updatedApr 10, 2026Reading time14 min

BUSINESS USE POLICY

Hustlit Operated by Mosco Holdings LLC

Last Updated: April 2026

1. APPLICABILITY

This Business Use Policy ("Policy") applies to users who use Hustlit to conduct business operations, accept customer payments, provide services, or engage in any commercial activity (collectively, "Business Users" or "you").

If you use Hustlit for personal, non-commercial purposes, the standard Terms of Service apply. If you are a Business User, you agree to both the Terms of Service and this Business Use Policy. In case of conflict, this Policy takes precedence for business use.

2. BUSINESS ACCOUNT REQUIREMENTS

2.1 Eligibility

To establish a Business Account, you must:

Be at least 18 years of age (no exceptions for minors)
Provide accurate business information and ownership details
Complete full KYC verification and identity confirmation
Comply with all local, state, and federal business licensing requirements
Have a valid tax identification number or equivalent
Not be engaged in prohibited business activities (detailed below)

2.2 Business Information

You must provide and maintain accurate:

Business name and legal entity structure
Business address
Ownership and principal contact information
Tax identification number
Bank account information for payouts
Nature and description of business
Products or services provided

2.3 Verification and Compliance

All business information is verified by our Processing Partner, Whop, or third-party verification services. Mosco Holdings LLC reserves the right to:

Request additional documentation at any time
Conduct background checks on business owners
Verify business licenses and authorizations
Monitor business activities and compliance
Suspend accounts pending verification

3. PROHIBITED BUSINESS ACTIVITIES

3.1 Categorically Prohibited

Business Accounts may NOT be used for:

Financial and Investment Services:

Offering loans or lending services
Operating as a financial institution
Providing investment advice or services
Operating cryptocurrency exchanges (unless specifically licensed)
Operating as an unlicensed money transmitter

Illegal Activities:

Selling illegal goods or services
Money laundering or financial fraud
Operating gambling or lottery services (unless specifically licensed)
Drug trafficking or related activities
Human trafficking or exploitation
Weapons trafficking

Adult and Sexual Content:

Adult entertainment or sexual services
Pornography or sexually explicit material
Sexual paraphernalia (unless specifically licensed)
Escort services or prostitution

Deceptive and Harmful Practices:

Counterfeit goods
Intellectual property infringement
Ponzi schemes or multi-level marketing schemes
Pyramid schemes
Fraudulent services or "get rich quick" schemes
Unlicensed insurance services

High-Risk Activities:

Unlicensed pharmaceutical or drug sales
Medical devices or prescription medications without licensing
Unlicensed healthcare services
Unregistered securities or offerings

3.2 Restricted Activities

The following activities require pre-approval and additional documentation:

Subscription services or recurring billing
Collections or debt services
Payment processing for other merchants (without authorization)
Business services to other business users
Multi-channel payment acceptance
High-volume or high-value transactions (over $[AMOUNT]/month)
International or cross-border payment processing

4. TRANSACTION TERMS FOR BUSINESS ACCOUNTS

4. PAYMENT PROCESSING AND FUND MANAGEMENT

4.1 Whop as Payment Processor

All transactions on Hustlit are processed exclusively by Whop. Whop serves as the intermediate payment processor and handles:

Payment acceptance and processing
Fraud detection and prevention
Transaction settlement
Chargeback management
KYC and identity verification

4.2 Fund Release and Completion Requirements

Critical Timing Requirement:

No customer funds are awarded to or released to your business until you mark the service or transaction as complete in the Hustlit system.

Transaction States:

Pending State: Transaction accepted, funds held by Hustlit/Whop, awaiting your completion
Complete State: You mark service as delivered/complete in the system
Available State: Funds move from pending to available in your Balance
Withdrawn State: You initiate withdrawal of available funds

Your Obligation: You must mark transactions as complete only when the service has been fully delivered or the product has been transferred to the customer.

4.3 Transactions Handled by Whop

4.2 Settlement Timeline

Standard transactions settle within 1-3 business days
High-value transactions may require additional verification (3-7 business days)
International transactions may require additional time
Settlement delays are not Hustlit's responsibility; direct disputes to Whop

4.3 Fees and Commissions

Processing Fees:

Hustlit charges a percentage commission on all transactions (current rate: [X]%)
Payment processor fees and bank charges apply (see fee schedule)
Additional fees apply for chargebacks, disputes, and reversals

Subscription Fees (if applicable):

Monthly or annual subscription fees for service access
Fees are non-refundable regardless of usage
Subscription fees deduct directly from your Balance

Payout Fees:

Withdrawal fees apply to all payouts
ACH transfers: [X] per transfer
Expedited transfers: [X] per transfer
International payouts: [X] + percentage fee

5. CHARGEBACKS AND DISPUTES

5.1 Chargeback Process

A chargeback occurs when a customer disputes a transaction through their bank or payment card company. Husth[lit and Whop manage the chargeback process:

Customer initiates dispute with their bank
Bank issues preliminary chargeback
Business User is notified and may submit evidence
Whop reviews the evidence
Final determination made by the bank/processor

5.2 Chargeback Fees

Standard chargeback fee: $[X] per chargeback
Multiple chargebacks may result in increased fees or account suspension
You are responsible for all chargeback fees regardless of outcome

5.3 Dispute Resolution

Customer Disputes Through Hustlit:

Customers may file disputes through our internal dispute system
You will be notified and given opportunity to respond
Hustlit may investigate and make determinations
We reserve the right to deduct disputed amounts from your Balance

Whop Disputes:

Disputes involving payment processing go directly to Whop
Whop's dispute team will contact you with additional information
You must respond to Whop within the specified timeframe (typically 7-10 days)
Failure to respond results in automatic loss of dispute

5.4 Balance Deduction for Disputes

Hustlit reserves the right to:

Immediately deduct disputed transaction amounts from your Balance
Hold funds pending dispute resolution
Deduct chargeback fees from your Balance
Retain disputed amounts if the customer prevails
Pursue collection action for disputed amounts exceeding your Balance

6. REFUNDS AND RETURN POLICIES

6.1 Fund Holding and Transaction Flow

Hustlit Fund Management:

When a customer purchases your product or service through Hustlit:

Payment Processing: The transaction is processed by Whop (our payment processor)
Fund Hold: Hustlit holds all customer funds in a pending state
Service Completion: You must mark the service/product as "complete" in the Hustlit system
Funds Released: Only after you mark the transaction as complete do funds move from pending to available for withdrawal
Withdrawal: You may then initiate withdrawal of available funds

Important: No customer funds are released to your account until you mark the service as complete. This protects both you and the customer.

6.2 Customer Dispute Resolution

Hustlit's Role as Dispute Middleman:

Hustlit acts as the middleman between you and your customers for all disputes filed on our platform. This includes:

Refund requests and disputes
Service quality complaints
Non-delivery or partial delivery claims
Product or service issues
Any other transaction disputes

Hustlit's Dispute Resolution Authority:

Hustlit has full authority to:

Investigate disputes fairly and impartially
Request information and evidence from both parties
Make determinations on dispute outcomes
Award No Refund, Partial Refund, or Full Refund
Reverse completed transactions
Adjust your Balance based on dispute outcomes

Hustlit Discretionary Decision Making:

Hustlit reserves the right to favor either party (customer or business) for any reason or no reason in our sole discretion. We may:

Side with the customer regardless of circumstances
Side with you regardless of circumstances
Make determinations based on factors not disclosed to either party
Change decisions without explanation

You acknowledge that dispute outcomes may not be favorable to your business and accept this as a condition of using the Service.

6.3 Hustlit Refund Policy

Subscription and Service Fees:

Hustlit does NOT provide refunds for:

Subscription fees (non-refundable regardless of reason)
Service fees or usage charges
Payout fees already processed
Chargeback fees
Account closure or termination

6.4 Customer Refunds and Refund Process

Your Responsibility:

As the Business User, you are responsible for:

Providing quality products and services as described
Communicating your service terms and completion timeline to customers
Marking transactions as complete when service is delivered
Responding to customer disputes promptly

Customer-Initiated Refund Process:

If a customer files a dispute requesting a refund:

Customer submits dispute through Hustlit's platform
You are notified and given opportunity to respond
Hustlit reviews all information from both parties
Hustlit makes final determination (No Refund, Partial Refund, or Full Refund)
If refund is awarded, Hustlit initiates the refund to customer's original payment method
Funds are deducted from your Balance or pending funds
You do not process the refund yourself; Hustlit handles it

You Cannot Prevent Refunds:

Even if you disagree with a refund decision, if Hustlit determines a refund is warranted, the refund will be issued from your Balance. You have no right to appeal or reverse Hustlit's refund decision.

6.5 Refund Reversals and Fraud

Hustlit reserves the right to reverse any transaction or dispute decision if:

Fraud is detected
Abuse of the dispute system is discovered
Your account violates our policies
Regulatory requirements mandate reversal

7. ACCOUNT SUSPENSION AND TERMINATION

7.1 Reasons for Suspension or Termination

Hustlit may suspend, place on hold, or terminate your Business Account at any time, for any reason or no reason, including but not limited to:

Violation of these Terms or Business Use Policy
Violation of prohibited business activities
Multiple chargebacks or disputes
Customer complaints or disputes
Suspicious or fraudulent activity
Failure to maintain accurate business information
Failure to pass compliance or KYC requirements
Regulatory requirements or law enforcement requests
Non-compliance with payment processor requirements
Operational or security risks
Business reputation or association concerns

7.2 Immediate Suspension

Hustlit may suspend your account immediately without notice for:

Suspected fraud or illegal activity
Violation of prohibited activities
Security or system risks
Regulatory compliance concerns

7.3 Effects of Suspension or Termination

Upon suspension or termination:

All transactions are immediately halted
New customer payments are not accepted
Pending transactions may be cancelled or reversed
Your Balance may be frozen or forfeited
You lose access to all Service features

8. BALANCE AND FUNDS MANAGEMENT

8.1 Balance Ownership and Control

Your Balance is:

Proprietary data owned and controlled by Mosco Holdings LLC
Not a bank account or deposit
Not insured by the FDIC or similar insurance
Subject to deduction at Hustlit's discretion

8.2 Balance Holds and Reserves

Hustlit and Whop may:

Hold a percentage of your transactions in reserve (reserve requirement: [X]%)
Increase reserves if there is increased risk or dispute activity
Release reserves on a rolling basis ([X] days after transaction)
Forfeit reserves if your account is terminated

8.3 Deductions from Balance

Hustlit reserves the right to deduct from your Balance:

Automatically:

Transaction fees and commissions
Processing fees and charges
Payout fees
Subscription fees
Chargeback fees
Dispute resolution fees
ACH return fees
Other processing-related fees

At Hustlit's Discretion:

Chargebacks and customer refunds
Fraud-related losses
Disputed transactions
Regulatory fines or penalties
Legal costs and settlements
Business rule violations or misuse

8.4 Balance Expiration and Forfeiture

Any Balance remaining upon account termination may be forfeited
Inactive accounts ([X] days) may accrue fees or forfeit Balance
Abandoned Balances are subject to escheat laws (unclaimed property)

9. REPORTING AND COMPLIANCE

9.1 Financial Reporting

You understand that:

All transactions are reported to tax authorities as required by law
1099-K forms are issued for qualifying transaction volumes
You are responsible for reporting all income on your tax returns
We provide records upon request for tax purposes

9.2 Know Your Customer (KYC) Compliance

All KYC information is handled by Whop
You must maintain current and accurate KYC information
You must update information within 10 days of any changes
Failure to maintain KYC compliance results in suspension

9.3 Record Keeping

You agree to maintain records of:

All customer transactions
Refunds and reversals
Customer disputes and complaints
Business operations and activities

You grant Hustlit access to these records for compliance and audit purposes.

10. CUSTOMER DATA AND PRIVACY

10.1 Customer Information Collection

When you use Hustlit to process customer payments:

Customer information (name, email, address, etc.) is collected
Payment information is processed by Whop and affiliated banks
Transaction records are maintained for compliance

10.2 Your Obligations

You must:

Clearly disclose to customers that payments are processed through Hustlit
Maintain a privacy policy disclosing data handling practices
Comply with all applicable privacy and data protection laws
Not use customer data for unauthorized purposes
Not share customer data without consent
Maintain reasonable security for customer information

10.3 Data Access and Deletion

Customers have the right to request their data from you (not from Hustlit)
You are responsible for responding to customer data requests
Hustlit retains transaction records as required by law
Deletion requests are subject to regulatory retention requirements

11. REPRESENTATIONS AND WARRANTIES

11.1 Your Representations

By using a Business Account, you represent and warrant:

You are legally authorized to enter into this Policy
Your business is lawful and authorized
You comply with all applicable laws and regulations
The information you provided is accurate and complete
You will not engage in prohibited activities
You have authority to bind your business to these terms
Your business will not violate intellectual property rights
You will not defraud customers or misrepresent products/services
You have obtained all necessary licenses and permits

11.2 Our Disclaimers

WE DO NOT WARRANT:

The Service is error-free or uninterrupted
The Service will meet your business needs
Payment processing will never fail
Customers will never dispute transactions
Your business will be profitable

12. INDEMNIFICATION

You agree to indemnify and hold harmless Hustlit, Whop, and their respective owners, officers, employees, and agents from any claims, damages, or losses arising from:

Your use of the Service
Your violation of this Policy
Your violation of applicable laws
Your business operations or practices
Chargebacks or customer disputes
Customer complaints or claims
Misrepresentation to customers
Intellectual property infringement
Fraud or illegal activity

13. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, HUSTLIT SHALL NOT BE LIABLE FOR:

Loss of profits or revenue
Loss of customers or business opportunities
Failed transactions or payment processing delays
Chargebacks or customer disputes
Suspension or termination of your account
Loss of Balance or funds
Any indirect, consequential, or punitive damages

The maximum liability of Hustlit for any claims is limited to the total fees you paid in the 12 months preceding the claim.

15. CHANGES TO THIS POLICY

Hustlit may update this Policy at any time. Changes to fees and pricing require 15 days' notice. Other changes take effect immediately upon posting. Your continued use of your Business Account constitutes acceptance of updated terms.

16. AGREEMENT TO ALL POLICIES

By using a Business Account and accepting this Business Use Policy, you acknowledge and agree that you have read and agree to be bound by:

The Hustlit Terms of Service
The Hustlit Privacy Policy
The Hustlit Customer Service Policy (for customers using your business)
This Business Use Policy

These policies are interconnected and form the complete agreement between you and Hustlit. If there is any conflict between policies, the most restrictive provision shall apply. Your agreement to one policy constitutes your agreement to all policies.

17. CONTACT AND SUPPORT

For Business Account questions, disputes, or concerns:

Hustlit Business Support Email: [Your Business Contact Email] Address: [Your Address] Phone: [Your Business Phone Number]

For processing-related issues, disputes, or chargebacks:

Whop Support Email: [Whop Contact Email] Website: [Whop Website]

END OF BUSINESS USE POLICY

APPENDIX A: FEE SCHEDULE

Fee Type	Amount	Notes
Transaction Commission	[X]%	Deducted from each transaction
Monthly Subscription	$[X]	If applicable
Payout Fee (Standard)	$[X]	Per withdrawal
Payout Fee (Expedited)	$[X]	Faster processing
Chargeback Fee	$[X]	Per chargeback
ACH Return Fee	$[X]	Failed bank transfer
Dispute Fee	$[X]	Customer dispute through system
Refund Processing	$[X]	If applicable

Effective Date: [DATE]

Fees are subject to change with 15 days' notice for Business Accounts.

APPENDIX B: PROHIBITED INDUSTRIES LIST

The following industries and business types are prohibited unless specifically authorized in writing:

Financial services and lending
Securities and investment services
Cryptocurrency exchanges and services
Gambling, casinos, and betting
Adult entertainment and related services
Unlicensed healthcare and pharmaceutical
Legal services (with restrictions)
Insurance services
Escrow and trust services
Money transmission and remittance
Unlicensed debt collection
Weapons and firearms
Tobacco and related products
Alcohol and beverage (with restrictions)
Multi-level marketing and pyramid schemes
Other high-risk categories as determined by Whop or Hustlit

Unauthorized operation in these categories will result in immediate account termination.