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import { memo } from "react";
import { TermsOfServiceProps } from "./types";
import {
  Heading,
  ListElement,
  ParagraphGeneric,
  ParagraphPage,
  UList,
  AddressSpan,
  Title,
} from "./TermsOfServiceContent.styles";
import { giveCorpAddress } from "@constants/constants";
import TermsOfServiceContentVersion from "./TermsOfServiceContentVersion";
 
const TermsOfServiceContentGeneral = ({
  ...props
}: Omit<TermsOfServiceProps, "customStyles"> & { isPage?: boolean }) => {
  const { isPage } = props;
 
  const Paragraph = isPage ? ParagraphPage : ParagraphGeneric;
 
  return (
    <>
      {!isPage && (
        <Title>GiveCorporation Terms of Service - United States</Title>
      )}
      <TermsOfServiceContentVersion {...props} />
      <Heading>Introduction</Heading>
      <Paragraph>
        These Terms of Service govern your use of all websites, checkout pages,
        applications, and services operated by GiveCorporation Inc.
        (“GiveCorporation,” “we,” “us,” or “our”). By accessing or using any
        GiveCorporation-operated site or payment interface, you agree to these
        Terms.
        <br />
        <br />
        Depending on how you use our platform, different sections may apply to
        you:
        <br />
        <br />
        <UList>
          <ListElement>
            <strong>Cardholder Terms</strong> apply if you are only making a
            card payment as a payer/cardholder. (Unless you also use other
            GiveCorporation services, such as the GivePayments platform as a
            merchant or provider.)
          </ListElement>
          <ListElement>
            <strong>Both the Cardholder Terms and the Extended Terms</strong>{" "}
            apply if you are a merchant, provider, partner, or business user
            using GiveCorporation services for commercial purposes. It applies
            also if you use APIs, business dashboards, payout services, or any
            GiveCorporation-operated platform features.
          </ListElement>
        </UList>
        <br />
        Please review the section that corresponds to your role when interacting
        with our services.
      </Paragraph>
      <Heading>
        Cardholder Terms (applies only when you are making a payment)
      </Heading>
      <Paragraph>
        <strong>Applicability</strong>
      </Paragraph>
 
      <Paragraph>
        If you are making a payment using your credit card, debit card, or other
        supported payment method to a merchant using our platform, only the
        Cardholder Terms in this section apply to you.
        <br />
        You are not entering into a separate commercial agreement with
        GiveCorporation. You are simply authorizing a card payment to the
        merchant.
        <br />
        <strong>
          If you are also a merchant or a provider, the Extended Terms (below)
          also apply.
        </strong>
      </Paragraph>
      <Paragraph>
        <strong>Your Payment</strong>
      </Paragraph>
      <Paragraph>
        You are making a payment to a merchant (sometimes referred to as
        “recipient,” “creator,” “campaign owner,” or “business”).
        <br />
        GiveCorporation is acting solely as a regulated payments service
        provider that securely processes the transaction.
        <br />
        Your purchase, donation, booking, or contribution is governed by the
        merchant’s policies, not by GiveCorporation.
        <br />
      </Paragraph>
 
      <Paragraph>
        <strong>Refunds, Returns & Merchant Responsibilities</strong>
        <UList>
          <ListElement>
            All refund, return, or product/service issues must be directed to
            the merchant.
          </ListElement>
          <ListElement>
            GiveCorporation is not a party to your underlying purchase or
            donation.
          </ListElement>
          <ListElement>
            Refunds follow the merchant’s policy and any applicable
            consumer-protection laws.
          </ListElement>
        </UList>
      </Paragraph>
      <Paragraph>
        <strong>Your Card Network Rights</strong>
      </Paragraph>
      <Paragraph>
        Your rights under Visa, Mastercard, American Express, Discover, or any
        other payment network remain unchanged.
        <br />
        This includes your rights to:
        <UList>
          <ListElement>
            File a dispute or chargeback with your issuing bank. The dispute is
            handled between you and your bank.
          </ListElement>
          <ListElement>Request information from your issuer</ListElement>
          <ListElement>Challenge unauthorized charges</ListElement>
        </UList>
      </Paragraph>
 
      <Paragraph>
        <strong>Security & Compliance</strong>
      </Paragraph>
      <Paragraph>
        GiveCorporation processes your payment:
        <UList>
          <ListElement>Securely</ListElement>
          <ListElement>
            In compliance with banking and regulatory requirements
          </ListElement>
          <ListElement>Following all applicable card-network rules</ListElement>
        </UList>
        We may conduct fraud screening or verification to protect both
        cardholders and merchants.
      </Paragraph>
 
      <Paragraph>
        <strong>No Contract Needed to Make a Payment</strong>
      </Paragraph>
      <Paragraph>
        You are not required to enter into a service agreement with
        GiveCorporation in order to make a payment.
        <br />
        The checkout notice and these Terms exist only to explain:
        <UList>
          <ListElement>How your payment is processed</ListElement>
          <ListElement>How your data is handled</ListElement>
          <ListElement>Your rights and protections</ListElement>
          <ListElement>
            Our obligations as a regulated payments provider
          </ListElement>
        </UList>
        They are not a merchant contract and are not intended to burden you.
      </Paragraph>
      <Heading>
        Extended terms (applies only to merchants and providers)
      </Heading>
      <Paragraph>
        <strong>Applicability</strong>
      </Paragraph>
      <Paragraph>
        These Extended Terms govern your use of GiveCorporation’s platforms,
        dashboards, APIs, systems, and financial technology services as a
        merchant, provider, enterprise client, or partner.
        <br />
        These Terms apply in addition to any product-specific agreements or
        policies, including but not limited to Service Agreements such as
        Merchant Agreements, Provider Agreements, SaaS Agreements, or Licensing
        Terms that govern your access to specific features or offerings made
        available by GiveCorporation.
        <br />
        If there is a conflict between a service agreement and these Terms, the
        service agreement governs.
      </Paragraph>
      <Paragraph>
        <strong>Definitions</strong>
      </Paragraph>
      <Paragraph>
        <strong>“GiveCorporation” “we,” “us,”</strong> or <strong>“our”</strong>{" "}
        means Give Corporation Inc., including its affiliates, subsidiaries, and
        authorized representatives.
        <br />
        <strong>“You”</strong> or <strong>“your”</strong> refers to the
        individual or legal entity accessing or using the Services, and any
        authorized agents or representatives acting on their behalf.
        <br />
        <strong>“Services”</strong> means all websites, applications, platforms,
        systems, tools, APIs, documentation, features, products, content, and
        technologies offered or operated by GiveCorporation, including but not
        limited to its various payment processing, P2P transfers, financial
        management, infrastructure, and compliance offerings.
        <br />
        <strong>“User Data”</strong> means any data, information, or content
        submitted, uploaded, or transmitted by you or on your behalf through or
        to the Services, including personal data, business data, payment data,
        and communications.
        <br />
        <strong>“Service Agreement”</strong> means any formal agreement entered
        into between you and GiveCorporation for the use of specific Services,
        including but not limited to a Merchant Agreement, Provider Agreement,
        SaaS Agreement, Licensing Agreement, or P2P Agreement, etc..
        <br />
        <strong>“Applicable Law”</strong> means all applicable federal, state,
        local, and international statutes, regulations, directives, rules,
        ordinances, judicial decisions, and industry standards that apply to you
        or to GiveCorporation in connection with the use of the Services.
        <br />
        <strong>“Third-Party Services”</strong> means any services, products,
        content, software, or platforms provided by third parties that may be
        integrated with or accessible through the GiveCorporation Services.
        <br />
        <strong>“Account”</strong> means any administrative, operational, or
        financial profile established by or for you with GiveCorporation to
        enable access to one or more Services.
        <br />
        <strong>“Confidential Information”</strong> means non-public business,
        technical, or financial information disclosed by one party to the other
        in connection with the Services, which is marked or otherwise designated
        as confidential or would reasonably be understood as confidential given
        the nature of the information.
        <br />
        <strong>“Force Majeure Event”</strong> means any event beyond the
        reasonable control of a party, including acts of God, labor disputes,
        civil unrest, war, pandemics, governmental actions, network or internet
        outages, or third-party service interruptions.
        <br />
        <strong>“P2P transfer”</strong> means Peer to Peer. A user can digitally
        transfer funds from his bank account to another's bank account.
      </Paragraph>
      <Heading>Eligibility and Registration</Heading>
      <Paragraph>
        You must be legally authorized to enter into a binding agreement in your
        jurisdiction including being at least 18 years old, and must use the
        Services only for lawful business purposes. You represent and warrant
        that all information you provide during registration is true, complete,
        and kept up to date.
      </Paragraph>
      <Heading>Our Services</Heading>
      <Paragraph>
        GiveCorporation offers a suite of financial technology products and
        platforms that support payment processing, P2P transfers, risk
        management, infrastructure licensing, financial tools, and account
        services. These offerings may vary over time.
      </Paragraph>
      <Paragraph>
        Specific product names or features may change without notice and are
        governed by the applicable Service Agreement or documentation presented
        at the time of use.
      </Paragraph>
      <Heading>Account & Access</Heading>
      <Paragraph>You are responsible for:</Paragraph>
      <UList>
        <ListElement>Maintaining the security of your credentials.</ListElement>
        <ListElement>All activity conducted under your account.</ListElement>
        <ListElement>
          Promptly notifying us of any unauthorized access.
        </ListElement>
      </UList>
      <Paragraph>
        We may suspend access if suspicious activity or violations are detected.
      </Paragraph>
      <Heading>Use Restrictions</Heading>
      <Paragraph>You agree not to:</Paragraph>
      <UList>
        <ListElement>
          Use the Services for any unlawful purpose or in violation of
          applicable laws.
        </ListElement>
        <ListElement>
          Engage in activity that is fraudulent, deceptive, harmful, or abusive.
        </ListElement>
        <ListElement>
          Interfere with the operation, integrity, or security of our Services.
        </ListElement>
        <ListElement>
          Attempt to reverse engineer, disassemble, or misuse GiveCorporation’s
          proprietary software or services.
        </ListElement>
        <ListElement>
          Engage in card testing activities or automated scripting attacks;
        </ListElement>
        <ListElement>
          Submit test transactions or conduct behavior designed to probe system
          security, authorization limits, or response behavior;
        </ListElement>
        <ListElement>
          Use the Services in a way that causes disproportionate load, or mimics
          fraudulent or high-risk patterns, including repeated small-value
          transactions or abnormal card usage velocity;
        </ListElement>
        <ListElement>
          Aid or abet any collusive or coordinated activity with the intent to
          defraud cardholders, issuers, or the platform.
        </ListElement>
      </UList>
      <Paragraph>
        GiveCorporation reserves the right to monitor activity and apply
        restrictions, reserves, or account suspension based on detected abuse
        patterns or card network alerts.
      </Paragraph>
      <Heading>Intellectual Property</Heading>
      <Paragraph>
        GiveCorporation retains all right, title, and interest in and to its
        trademarks, service marks, logos, software, and content, whether
        registered or not. Use of our intellectual property without express
        written permission is strictly prohibited.
      </Paragraph>
      <Paragraph>
        If you choose to provide feedback, suggestions, or ideas about our
        Services, you grant GiveCorporation a non-exclusive, royalty-free,
        worldwide, irrevocable, perpetual license to use and incorporate such
        feedback into our Services without obligation to compensate or credit
        you.
      </Paragraph>
      <Heading>Data and Privacy</Heading>
      <Paragraph>
        GiveCorporation handles personal and business data in accordance with
        our Privacy Policy. You acknowledge and consent to our use of your data
        as necessary to provide and improve our Services. You are responsible
        for your own data compliance obligations, including under PCI DSS, CCPA,
        GDPR, and any applicable local laws. To opt out you can do so on our
        website.
      </Paragraph>
      <Heading>Compliance, Verification & Monitoring</Heading>
      <Paragraph>
        These Terms apply to all visitors and prospective customers of
        GiveCorporation. If you choose to access or use any of our platforms or
        services — whether GivePaid, GiveTrust, Givei, GiveCash, GivePayments,
        or any future offering — you will be required to:
      </Paragraph>
      <UList>
        <ListElement>
          Execute a separate Service Agreement that governs your specific
          relationship with us and the scope of services provided.
        </ListElement>
        <ListElement>
          Agree to product-specific terms and policies, including but not
          limited to our Merchant Agreement, SaaS Agreement, P2P Agreement,
          Acceptable Use Policy, and any applicable risk, security, or
          compliance guidelines.
        </ListElement>
      </UList>
      <Paragraph>
        Once under contract, you agree to the following compliance obligations:
      </Paragraph>
      <UList>
        <ListElement>
          Know Your Business/Customer (KYB/C) & Anti-Money Laundering (AML): You
          must provide accurate information and documentation regarding your
          business, beneficial ownership, and operations, as required under
          applicable law or our internal risk policies.
        </ListElement>
        <ListElement>
          Ongoing Verification: GiveCorporation reserves the right to conduct
          background checks, credit evaluations, or other due diligence during
          onboarding and at any time thereafter.
        </ListElement>
        <ListElement>
          Monitoring & Risk Controls: We may monitor your activity, transaction
          patterns, or account behavior to detect fraud, financial crime, or
          violations of applicable laws. We may also implement reserves,
          transaction limits, or service restrictions at our discretion.
        </ListElement>
        <ListElement>
          Cooperation Requirement: You agree to promptly respond to requests for
          additional documentation, investigations, account verification, or
          operational clarification.
        </ListElement>
      </UList>
      <Paragraph>
        For complete terms and operational requirements, please refer to your
        applicable Service Agreement.
      </Paragraph>
      <Heading>Risk and Underwriting</Heading>
      <Paragraph>
        For services involving financial transactions, GiveCorporation may
        evaluate your business activity and reserves the right to suspend,
        withhold, or terminate service if we detect excessive chargebacks,
        fraud, or policy violations. Risk controls, reserves, transaction
        limits, or onboarding re-evaluations may be imposed at our discretion.
      </Paragraph>
      <Heading>Third-Party Services and APIs</Heading>
      <Paragraph>
        If you access or integrate with third-party platforms or use our APIs:
      </Paragraph>
      <UList>
        <ListElement>
          You do so at your own risk and subject to third-party terms.
        </ListElement>
        <ListElement>
          We are not liable for third-party performance or security.
        </ListElement>
        <ListElement>
          You must not use our APIs in any manner that degrades, disrupts,
          damages, or interferes with the Service or violates these Terms.
        </ListElement>
      </UList>
      <Heading>Fees and Payments</Heading>
      <Paragraph>
        You agree to pay all applicable fees, charges, and taxes incurred
        through your use of the Services, as outlined in the applicable Service
        Agreement or pricing documentation.
      </Paragraph>
      <Paragraph>Fees may include but are not limited to:</Paragraph>
      <UList>
        <ListElement>
          Interchange fees set by card networks (including VISA Credit Fee,
          MasterCard Credit Fee, AMEX Fee, Discover Credit Fee, VISA Debit Fee,
          MasterCard Debit Fee, and Discover Debit Fee)
        </ListElement>
        <ListElement>
          Processing and platform service fees (including Network Fee, Gateway
          Connectivity, Security & Fraud Prevention, Concierge Fee, and
          Settlement Fee)
        </ListElement>
        <ListElement>
          Processing fees for P2P transactions, such as standard and
          crossborder,
        </ListElement>
        <ListElement>
          Risk-based fees (including Normal Risk Fee Category, High Risk
          Category Fee, and Restricted Category Fee)
        </ListElement>
        <ListElement>
          Compliance and dispute-related fees (including PCI Non Compliance Fee,
          Chargeback Fee, and Refund Fee)
        </ListElement>
        <ListElement>
          Transfer fees (including Transfer Fee Tier 1, Transfer Fee Tier 2, and
          Transfer Fee Tier 3)
        </ListElement>
      </UList>
      <Paragraph>
        GiveCorporation may adjust fees from time to time in accordance with
        your applicable Service Agreement, and may pass along costs incurred
        from payment networks, processors, or sponsor banks.
      </Paragraph>
      <Heading>Refunds and Chargebacks</Heading>
      <Paragraph>
        Refunds must be requested directly from the merchant or P2P initiator
        responsible for the original transaction. However, GiveCorporation
        reserves the right to issue refunds at its sole discretion.
        GiveCorporation is not a party to the sales contract between you and the
        merchant. Merchants are responsible for managing their refund policies
        and ensuring compliance with applicable consumer protection laws.
        Refunds may be subject to applicable fees.
      </Paragraph>
      <Paragraph>
        Chargebacks are disputes initiated by cardholders through their issuing
        bank. In the event of a chargeback, GiveCorporation may submit
        transaction evidence provided by the merchant. A completed transaction
        may serve as valid proof of purchase and may be submitted to counter the
        dispute.
      </Paragraph>
      <Paragraph>
        GiveCorporation may deduct any associated chargeback fees or losses from
        future settlements. If GiveCorporation determines that your account
        exhibits elevated refund or dispute activity, we may apply enhanced risk
        controls, such as reserves, delayed payouts, or account suspension.
      </Paragraph>
      <Paragraph>
        Additional obligations regarding refunds and chargebacks may be defined
        in your applicable Service Agreement.
      </Paragraph>
      <Heading>Termination</Heading>
      <Paragraph>
        We may suspend or terminate your access to Services for any breach of
        these Terms or applicable agreements. You may terminate at any time by
        ceasing to use our Services and complying with applicable wind-down or
        data retrieval procedures.
      </Paragraph>
      <Heading>Force Majeure</Heading>
      <Paragraph>
        GiveCorporation will not be liable for any delay or failure in
        performance resulting from causes beyond its reasonable control,
        including natural disasters, power or internet outages, cyberattacks,
        labor disputes, war, civil unrest, pandemics, or government actions.
      </Paragraph>
      <Heading>Disclaimers and Limitations</Heading>
      <Paragraph>
        The Services are provided “AS IS” and “AS AVAILABLE.” We do not
        guarantee uninterrupted service or error-free operations. To the extent
        permitted by law, GiveCorporation disclaims all warranties and shall not
        be liable for indirect, incidental, or consequential damages arising
        from use of the Services.
      </Paragraph>
      <Heading>Indemnification</Heading>
      <Paragraph>
        You agree to indemnify and hold harmless GiveCorporation, its
        affiliates, and its officers, directors, and employees against all
        claims, liabilities, damages, and expenses (including legal fees)
        arising from your use of the Services or violation of these Terms.
      </Paragraph>
      <Heading>Governing Law and Disputes</Heading>
      <Paragraph>
        These Terms are governed by the laws of Arizona law and/or applicable
        federal law (including the Federal Arbitration Act). All disputes
        arising from or relating to these Terms or the Services shall be subject
        to exclusive jurisdiction in the courts of the County of Maricopa,
        Arizona, or federal court for the District of Arizona.
        <br />
        If any provision of these Terms is found to be invalid or unenforceable,
        the remainder of the Terms shall remain in full force and effect.
      </Paragraph>
      <Heading>Changes to Terms</Heading>
      <Paragraph>
        We may modify these Terms at any time. Continued use of the Services
        after a change constitutes acceptance of the updated Terms. We will
        notify you of material changes through the website or other
        communication channels.
      </Paragraph>
      <Heading>Contact Us</Heading>
      <Paragraph>
        For questions about these Terms or our Services, contact{" "}
        <a href="mailto:legal@givecorporation.com">legal@givecorporation.com</a>{" "}
        or write to:
      </Paragraph>
      <Paragraph>
        GiveCorporation
        <br />
        Attn: Legal Department
        <br />
        <AddressSpan>{giveCorpAddress.line1}</AddressSpan>
        <br />
        <AddressSpan>{giveCorpAddress.line2}</AddressSpan>
        <br />
      </Paragraph>
    </>
  );
};
 
export default memo(TermsOfServiceContentGeneral);