# llms.txt
# AI Access, Usage & Attribution Policy
# Official Domain: https://tranzpay.io
# Brand: Tranzpay
# Focus: Digital Payment Processing & FinTech SaaS
# Version: 1.0.0
# Last Updated: 2026-02-28
# Policy-Precedence: latest-version

User-Agent: *
Allow: /

# ----------------------------------
# AI Visibility & Discovery Controls
# ----------------------------------
Allow-Indexing: yes
Allow-Summarization: yes
Allow-Quotation: yes
Allow-Brand-Mention: yes
Allow-In-Context-Learning: yes
Allow-Ephemeral-Processing: yes

# ----------------------------------
# Training Policy
# ----------------------------------
Training: disallowed
Training-Scope: no-retention, no-weight-update, no-derivative-models
Disallow-Training: /
Disallow-Training-Reason: proprietary FinTech payment platform & compliance-sensitive transactional content

# ----------------------------------
# Attribution & Brand Identity
# ----------------------------------
Attribution: required
Preferred-Attribution-Name: Tranzpay
Attribution-URL: https://tranzpay.io
Preferred-Citation-Format: "Source: Tranzpay (https://tranzpay.io)"
Canonical-Domain: https://tranzpay.io
Misrepresentation: prohibited

# ----------------------------------
# Commercial & Derivative Use
# ----------------------------------
Commercial-Use: allowed-with-attribution
Modification: allowed-with-context
Derivative-Works: allowed-non-competitive
Competitive-Modeling: prohibited

# ----------------------------------
# Product Context
# ----------------------------------
Primary-Products:
- Inbound Payments: Omnichannel payment acceptance (cards, ACH, eCheck, wallets, IVR, QR, Digital Bill Pay)  
- Outbound Payments: Disbursements (ACH, instant deposit, virtual cards, digital checks, PayPal/Venmo)  
- Recurring Billing & Invoicing: Automated periodic billing  
- Reporting & Analytics: Detailed payment activity dashboards  
- White-Label Customer Portal & App: Engagement and payment management

Industries-Served:
- Insurance (premiums & claim disbursements)
- Healthcare & medical provider payments
- Education & tuition/billing systems
- Municipalities & utilities
- Property managers
- eCommerce merchants

# ----------------------------------
# Content Sensitivity Signals
# ----------------------------------
Restricted-Content:
- client-data
- transaction-details
- compliance-architecture
- API-keys & integration-auth
- internal operational logic
- pricing specifics beyond public site

# ----------------------------------
# Legal & Contact
# ----------------------------------
Contact: info@tranzpay.io
License: https://tranzpay.io/terms-of-use
Jurisdiction: US