🏢 Merchant Executive Summary

This executive summary provides payment processors, banking partners, and underwriting teams with a consolidated view of SquareBoards merchant operations operated by ALTIVORA LABS LLC.

SquareBoards is a premium competitive sports platform where customers participate in skill-based contests — not wagering against the house. Revenue is derived from contest entry fees, platform service fees, and optional premium membership products.

• Legal entity: ALTIVORA LABS LLC, a United States limited liability company.
• Consumer brand: SquareBoards™ — premium multi-game competitive sports platform.
• Primary website: www.squareboards.pro
• Business classification: Skill-based contest platform with digital wallet and prize distribution.
• Geographic focus: United States, with state-level eligibility controls enforced at registration and entry.

SquareBoards operates as the merchant of record for contest entry purchases. Customer funds are collected through PCI-compliant payment processors, credited to internal SquareWallet™ ledger accounts, and applied to contest entries under published contest rules.

• Customer onboarding with identity verification (KYC) prior to withdrawals.
• Contest catalog management with published rules, scoring, and payout schedules.
• SquareBank™ ledger for all balance movements — no direct balance manipulation.
• SquareWallet™ for customer-facing balances, deposits, and withdrawals.
• Customer support via email, in-app messaging, and documented dispute resolution.

Payment processing is handled through PaymentEngine™, a provider-agnostic orchestration layer. Card-present and card-not-present transactions are tokenized at the processor; SquareBoards does not store primary account numbers.

• Deposits: Customer-initiated funding of SquareWallet via approved payment methods.
• Contest entries: Internal ledger debits against wallet balance or direct charge at checkout.
• Payouts: Winner distributions via approved payout rails (ACH, instant payout where available).
• Reconciliation: Daily settlement matching between processor reports and internal ledger.
• Refunds: Governed by published Refund Policy with audit trail on all reversals.

• Published Terms of Service, Privacy Policy, Official Contest Rules, and Fair Play Policy.
• Identity verification (KYC) required before first withdrawal and on risk triggers.
• Fraud monitoring, velocity checks, and device fingerprinting on sensitive actions.
• Responsible competition tools including deposit limits and self-exclusion options.
• Admin audit logging on all financial and account-status changes.
• Regulatory inquiry channel: legal@squareboards.pro

Support is available at support@squareboards.pro. Disputes related to contest outcomes follow published Official Contest Rules. Payment disputes are investigated with processor chargeback data and internal transaction records. Response targets: acknowledgment within one business day; resolution within five business days for standard inquiries.

• Average transaction size: contest entry fees typically $5–$50 per transaction.
• Chargeback target: maintained below industry benchmarks through clear contest rules and proactive support.
• No high-risk MCC gambling classification — skill-based contest model.
• Seasonal volume patterns aligned with major U.S. sports calendars.