Developer Documentation

Policies Needed

Policies Needed Before Public Launch

| Policy | Purpose | Owner | Required | Backend support | Missing controls |

| --- | --- | --- | --- | --- | --- |

| Privacy Policy | Explain personal data use | Legal/Data Protection | Pilot draft, production final | Privacy data map, access controls | DSR workflow UI |

| Terms and Conditions | User legal terms | Legal | Pilot draft | Auth, audit, disputes | Final legal approval |

| Merchant Agreement | Merchant obligations | Legal/Ops | Pilot | Merchant onboarding/KYC/settlements | Signed agreement workflow |

| Customer Terms of Use | Customer responsibilities | Legal | Pilot | Auth, wallet, transaction limits | Acceptance tracking versioning |

| Acceptable Use Policy | Prohibited activity | Risk/Legal | Pilot | risk blacklist, fraud alerts | automated enforcement tuning |

| KYC Policy | Identity requirements | Compliance | Pilot | KYC tables/docs | final document matrix |

| AML/CFT Policy | Financial crime controls | Compliance/Risk | Production | fraud rules/risk alerts | SAR workflow |

| Data Protection Policy | Data handling controls | Data Protection | Pilot | privacy map/log controls | DSR/erasure operations |

| Information Security Policy | Security governance | Security/Tech | Pilot | headers, auth, logging | formal access review |

| Incident Response Policy | Incident handling | Security/Ops | Pilot | runbooks/logging | notification templates |

| Business Continuity Policy | Recovery planning | Ops/Tech | Production | backups/DR docs | restore evidence |

| Dispute Resolution Policy | Complaints and disputes | Support/Legal | Pilot | dispute module | SLA reporting |

| Refund/Reversal Policy | Reversal rules | Finance/Legal | Pilot | reversal workflow | dual approval enforcement |

| Settlement Policy | Merchant settlement rules | Finance | Pilot | settlement module | bank/provider SOP |

| Developer/API Terms | API use and limits | Legal/Developer Relations | Before developer beta | API keys/scopes/logs | acceptance/versioning |

| Cookie Policy | Website cookies | Legal/Marketing | Website launch | not API-specific | website implementation |

| Vulnerability Disclosure Policy | Security reporting | Security | Production | security contact docs | public intake process |