That's true. And there are no written rules to abide by. When you use Google Ads or Facebook Ads, they make sure that you have a Terms of Service. If you apply for a merchant account through a 3rd party merchant to take payments on your website, they make sure you have a privacy policy, TOS, and Terms and Conditions. There are no rules here regarding that. And I personally don't think there needs to be. But some common sense would say, hey we need to let people know that we're taking 25% of their rewards lol.
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