Please update your Privacy Policy and Refund policy prior to your merchant account application, this is one thing they will need to see.  

The one there is boilerplate text but does not represent accurate or legal recommended policy. You should consult your attorney to make sure your business is represented properly and do not use this as the default. Make sure to update it to what your attorney recommends for you. 

This is in the footer of any page we host.

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