# 4.4 不正利用とペナルティ（重要）

* **チャージバックや現金化目的のカード利用**はカード会社規約違反です。
* 不正が発覚した場合：
  * アカウントBAN
  * 資産の一時停止／没収
  * 出金制限
  * 損害賠償請求の対象になる場合があります。
* ポイントや報酬の不正取得は **詐欺罪相当**となるリスクがあります。


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